Ninety months to pay off mortgage - or as near as dammit!
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What makes my heart sing? Travel and seeing different sights. Not even necessarily to different countries within Scotland is great too, walking, running and wild swimming none of which cost anything really. I have decided to set up a separate count and scoop some slush money in here each month in order to fund wee trips home and abroad. There are many places to do as a day trip but not all possible, I did manage a wee meet up with Beanie earlier this year when I went to visit beautiful lavender fields up her way.
Mortgage End Date: Apr 36/Aiming for Aug 28/Current Sep 35
Mortgage OP 2024 £2250/7000
Mortgage balance: £526601 -
Yah.
Great idea.
It was lovely to see you.
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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 -
Definitely sounds like a good plan. Makes life worth living and gives you memories to see you through hard timesAchieve FIRE/Mortgage Neutrality by mid 2030
1) MFW Nov 21 £201,999 with 237 payments to go - now £184,341 Equity 26.26%
2) Spend on handyman & external building works & new patio door £12.3K
3) CC £4.9K on 0% spends card but offset by £34.1K savings (part EF, part future home improvement)
4) Mortgage neutral by June 2030 AVC £9.6K/£127.5K AVC target 7.5% value at 15/4
5) FI Age 60 annual income target £13.7/30K 45.7%1 -
Separate savings account has now been sidelined as a "fun account", so I can use this without feeling guilty for trips away and leisure purchasesMortgage End Date: Apr 36/Aiming for Aug 28/Current Sep 35
Mortgage OP 2024 £2250/7000
Mortgage balance: £526601 -
I like it and I think it will help you stay on trackAchieve FIRE/Mortgage Neutrality by mid 2030
1) MFW Nov 21 £201,999 with 237 payments to go - now £184,341 Equity 26.26%
2) Spend on handyman & external building works & new patio door £12.3K
3) CC £4.9K on 0% spends card but offset by £34.1K savings (part EF, part future home improvement)
4) Mortgage neutral by June 2030 AVC £9.6K/£127.5K AVC target 7.5% value at 15/4
5) FI Age 60 annual income target £13.7/30K 45.7%1 -
I keep watching gardening programmes - I need an improved savings plan!Mortgage End Date: Apr 36/Aiming for Aug 28/Current Sep 35
Mortgage OP 2024 £2250/7000
Mortgage balance: £526601 -
Start with seeds - can get a lot of flowers / veg from a few seedsAchieve FIRE/Mortgage Neutrality by mid 2030
1) MFW Nov 21 £201,999 with 237 payments to go - now £184,341 Equity 26.26%
2) Spend on handyman & external building works & new patio door £12.3K
3) CC £4.9K on 0% spends card but offset by £34.1K savings (part EF, part future home improvement)
4) Mortgage neutral by June 2030 AVC £9.6K/£127.5K AVC target 7.5% value at 15/4
5) FI Age 60 annual income target £13.7/30K 45.7%1 -
savingholmes said:Start with seeds - can get a lot of flowers / veg from a few seedsMortgage End Date: Apr 36/Aiming for Aug 28/Current Sep 35
Mortgage OP 2024 £2250/7000
Mortgage balance: £526601 -
Can you do it in stages? Start with pots in hard landscaping?Achieve FIRE/Mortgage Neutrality by mid 2030
1) MFW Nov 21 £201,999 with 237 payments to go - now £184,341 Equity 26.26%
2) Spend on handyman & external building works & new patio door £12.3K
3) CC £4.9K on 0% spends card but offset by £34.1K savings (part EF, part future home improvement)
4) Mortgage neutral by June 2030 AVC £9.6K/£127.5K AVC target 7.5% value at 15/4
5) FI Age 60 annual income target £13.7/30K 45.7%1 -
savingholmes said:Can you do it in stages? Start with pots in hard landscaping?Mortgage End Date: Apr 36/Aiming for Aug 28/Current Sep 35
Mortgage OP 2024 £2250/7000
Mortgage balance: £526601
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