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Ninety months to pay off mortgage - or as near as dammit!
Comments
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She's fine thanks, out noising up next doors dog, it's just her regular stuff.elantan said:Hope Miss L is ok ... and hope you get a great sleep
I have slept and I am off out to see a film tonight with a friend. I have gone a bit mad and agreed to do a fair bit of overtime next month - I am thinking I need to recoup what the tax man is taking off me!Mortgage OP 2026 £860/2000Mortgage balance: £31,763
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £202 -
So does that mean more nights?Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
3) Mortgage neutral by 06/30 (AVC £41.6K + Lump Sums DB £4.6K + (25% of SIPP 1.4K) = 47.6K of £127.5K target 37.33% 16/5/26 (If took bigger lump sum = 69.5K or 54.5%)
4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
5) SIPP £5.6K updated 16/5/261 -
With it coming into winter I dont blame you, now is the time to do it, I love how Miss L winds up the dog 🤣🤣🤣skint_spice said:
She's fine thanks, out noising up next doors dog, it's just her regular stuff.elantan said:Hope Miss L is ok ... and hope you get a great sleep
I have slept and I am off out to see a film tonight with a friend. I have gone a bit mad and agreed to do a fair bit of overtime next month - I am thinking I need to recoup what the tax man is taking off me!
what film you watching ? is it the same club as before ? any penguinos in it ?2 -
No chance!😂 only taking them to suit me too😎savingholmes said:So does that mean more nights?elantan said:
With it coming into winter I dont blame you, now is the time to do it, I love how Miss L winds up the dog 🤣🤣🤣
what film you watching ? is it the same club as before ? any penguinos in it ?
It’s the same film club El but not a pinguino in sight, I enjoyed the film though. And I walked despite being gubbed😂Mortgage OP 2026 £860/2000Mortgage balance: £31,763
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £202 -
well done you, keep it up and you'll be ready for WHW next year, looked at some hostels for accomadation for us 🤣🤣🤣1
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Enjoy the break...Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
3) Mortgage neutral by 06/30 (AVC £41.6K + Lump Sums DB £4.6K + (25% of SIPP 1.4K) = 47.6K of £127.5K target 37.33% 16/5/26 (If took bigger lump sum = 69.5K or 54.5%)
4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
5) SIPP £5.6K updated 16/5/261 -
Quite a quiet weekend, did a wee hours overtime yesterday which was good as I needed to walk to town to get something for dinner anyway. Resisted a takeaway and got a curry from @ldi which was nice but portion seemed very small.
Ordered a couple of dresses online and need some boots as I chucked out most of mine as they were done. I am going to try a local ish factory shop today for them.
Work looks much better this week doing more of what I expected the job to be.Mortgage OP 2026 £860/2000Mortgage balance: £31,763
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £201 -
Glad the job is settling down.
Good luck with finding the right boots.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
3) Mortgage neutral by 06/30 (AVC £41.6K + Lump Sums DB £4.6K + (25% of SIPP 1.4K) = 47.6K of £127.5K target 37.33% 16/5/26 (If took bigger lump sum = 69.5K or 54.5%)
4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
5) SIPP £5.6K updated 16/5/261 -
Hope you got nice boots
I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.2 -
I did thanks Beanie 🎉 no more shopping thank goodness!beanielou said:Hope you got nice bootsMortgage OP 2026 £860/2000Mortgage balance: £31,763
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £201
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