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Ninety months to pay off mortgage - or as near as dammit!
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Current hobbies seem to include putting lots of things into online shopping baskets and coming to my senses at the last minute and closing the browser.... must not spend.
Mainly working and sleeping at the moment, nothing to see here really.
Have a lunch with a friend arranged at the weekend and one more week to work after that and I have a whole week off. Happy, happy, happy!Mortgage OP 2025 £6750/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £35,463
Declutter 13/244
Money making challenge £58/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)2 -
LOL at the online baskets. I do that too - sometimes I win and sometimes it does!!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
(If bigger lump sum £15.8/30K 52.67%)
5) SIPP £4.8K updated 13/9/251 -
It’s all the amazing savings! On things I don’t need😩savingholmes said:LOL at the online baskets. I do that too - sometimes I win and sometimes it does!!Mortgage OP 2025 £6750/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £35,463
Declutter 13/244
Money making challenge £58/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)1 -
I'm thinking of using a different email for sign up offers so they don't clog my inbox and don't tempt me. I'd have to go and consciously search for them then.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
(If bigger lump sum £15.8/30K 52.67%)
5) SIPP £4.8K updated 13/9/251 -
Another online basket person here~~maybe in more ways than one!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*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.2 -
😂😂😂 can also relate to that 😂beanielou said:Another online basket person here~~maybe in more ways than one!
I managed to say no to some overtime next week - do I want an extra 15/16 hours? Ehhh no thanks, I thankfully had arranged to meet a friend already😅Mortgage OP 2025 £6750/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £35,463
Declutter 13/244
Money making challenge £58/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)1 -
Good to be kind to yourself. Enjoy seeing your friend.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
(If bigger lump sum £15.8/30K 52.67%)
5) SIPP £4.8K updated 13/9/251 -
Met a friend for lunch today and then her son appeared, all went back to mine and DS and his girlfriend appeared too so a nice catch up. Chilling tonight as I am working tomorrow.I had an odd amount in my lottery account so spent £1 on scratch cards and won a tenner - it’s off to the car loan already😇
Nearly bought a dress in supermarket tonight due to the 20% off thing but I don’t really need another dress so put it back but there were boots I really liked but none in my size, working in different town tomorrow so shall try to nip in before I start and see if there are any there.Mortgage OP 2025 £6750/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £35,463
Declutter 13/244
Money making challenge £58/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)1 -
Or online? Though what I wanted nor available online so planning on calling in a store tomorrow2
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I hadn’t thought of that but just checked and none online either, thanks for the prompt though! There were none in the other store either so I shall live without them… good luck with your item.peb said:Or online? Though what I wanted nor available online so planning on calling in a store tomorrow
Long shift at work today so glad to be home at last, was very grumpy when I got back - had litter tray to do, kitchen was a mess and then the cat threw up in the hall but I looked up when I was putting stuff in the bin and the stars are amazingly clear tonight, it calmed me down completely. I sent DS out for a look too😂Mortgage OP 2025 £6750/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £35,463
Declutter 13/244
Money making challenge £58/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)1
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