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Ninety months to pay off mortgage - or as near as dammit!
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It has been, not working until Wednesday now so still got my weekend to go. Tomorrow involves taking the oldies shopping though - such fun🙄beanielou said:A good day then
Mortgage OP 2025 £6750/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £35,463
Declutter 16/244
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 -
Oh I meant to say I was listening to a podcast earlier and they were talking about animals responding to stress etc and gave the example of a cat - has a scary moment does that stance, realises everything is fine and curls up and falls asleep on you within minutes. We stress for ages about what people say, what they actually meant, what might happen next but we need to be like cats and get stressed then move on. So new aim is to be more cat…Mortgage OP 2025 £6750/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £35,463
Declutter 16/244
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 -
That's a good image... just wish I couldAchieve 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 -
We can but try SH🙏Mortgage OP 2025 £6750/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £35,463
Declutter 16/244
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 -
be more cat, I like that, enjoy your time off,
You know how you love camping ? fancy a wee camp at loch Eck ? Thinking 10th/ 11th March before the midges arrive, we could go swimming, visit pucks glen, maybe have a meringue ?2 -
Working, sorry - I need to query my hours that week though so definitely maybe…elantan said:be more cat, I like that, enjoy your time off,
You know how you love camping ? fancy a wee camp at loch Eck ? Thinking 10th/ 11th March before the midges arrive, we could go swimming, visit pucks glen, maybe have a meringue ?Mortgage OP 2025 £6750/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £35,463
Declutter 16/244
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 -
Today after living here nearly two years I have finally put my pictures up in the living room😂 my son asked if I had bought them at the weekend 🤦♀️ ehh that one is from a holiday over a year ago, that one I got framed nearly two years ago… still they are up now and it’s much cheerier. NSD so far, my folks took me out for a coffee and DS bought lunch 😂Mortgage OP 2025 £6750/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £35,463
Declutter 16/244
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 -
Well done on getting the pictures upAchieve 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 -
So payday on Tuesday but I have been offered a new job so I will have to put most of my excess into savings as I know the pay days are off kilter and I will have to use savings in May for DDs etc rather than paying off the loan😩 it will all work out in the end🙏
Three visits to the gym this week so I have been getting back on track. Calmed down on the food front too, need to lose a stone now though.March seems to be a month of overtime so hopefully that will give me some money in April’s pay…Mortgage OP 2025 £6750/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £35,463
Declutter 16/244
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 -
You pleased then?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
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