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Ninety months to pay off mortgage - or as near as dammit!
Comments
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Stunning scenery for your walk. Well done for prioritising your health.
Good luck with budget balancing.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 -
Well done for ringfencing time and energy to do something for yourself! I am trying hard to do the same at the moment. Now I am back working full time and caring full time and nursing a slow-healing injury I have had every reason not to, but I know a bit of exercise and fresh air is the single most important thing I could be doing to stay healthy mentally and physically. I'll be cheering you on! x2
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Not long until he’s back😂 I was thinking 1st April but that’s a Saturday, is it same days and times as R2?beanielou said:You can do it.
I on the other hand have just bought an echo dot thingy so I can listen to Ken Bruce!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 -
Thanks SH and Starlight, I walked with someone for work yesterday and went out for a walk today too between sessions, having a break but back soon, got three long days coming up that are not going to be walk friendly.
Staying put would be best for my finances but I feel health and balance must have priority.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 -
I think it may be the 4th.skint_spice said:
Not long until he’s back😂 I was thinking 1st April but that’s a Saturday, is it same days and times as R2?beanielou said:You can do it.
I on the other hand have just bought an echo dot thingy so I can listen to Ken Bruce!
SAme times but not sure about the adverts.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 -
I forgot this and tried to listen today🤦♀️beanielou said:
I think it may be the 4th.skint_spice said:
Not long until he’s back😂 I was thinking 1st April but that’s a Saturday, is it same days and times as R2?beanielou said:You can do it.
I on the other hand have just bought an echo dot thingy so I can listen to Ken Bruce!
SAme times but not sure about the adverts.
well I have been paid again, must not spend! DS has told me he’s planning to move out soon too so income will drop further but it will be good for him too.
Lots of long days but finished up one job and have a few days off before starting new job on Monday. I shall be resting and exercising, 2lb off this week 🎉
I am trying to reduce my food bill so eating from the freezer. There is way too much in there!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 -
Exciting times ahead for DS!
Woohoo to the 2 lbs off
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 -
Just got a tenner in cash back on my current account, nice wee bonus and straight into the fun spending account!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 -
Nice to have cashback.
Well done on the weightloss. Never easy.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 13/9/252 -
That’s too true but I am going to a wedding later in the year and really want to wear a dress I have already - tried it on yesterday and while it zips up it’s far r from comfortable 😩 I want to wear it because I love it and also because it saves spending in something else I won’t wear again😂savingholmes said:Nice to have cashback.
Well done on the weightloss. Never easy.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
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