Ninety months to pay off mortgage - or as near as dammit!
Comments
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First day off in ages but new job is going well, enjoying it so far and we will hopefully get out a bit more in the coming weeks.
Still got three weeks or so for first wage and it seems an eternity since I was last paid😂 I am currently doing my meal plan for the week and chilling with the cat.
Original Mortgage End Date: Apr 36/Aiming for Sep 28/Current April 36
Car loan £5503/10000 CC £18503 -
Yup, it’s been eleventy-billion months since payday! I don’t know how, but that’s how it’s felt! 😂
Good to hear that the new job is going well 😊
Hello btw, I have read all your thread so I feel I know you a bit, but you are probably wondering who’s just crash landed on your thread! 😂😂😂
KKAs at 16.11.2023:
- £15,934 of target £10,000 YNAB savings pots and EF (been doing quite a bit of work on the house this summer)
- When bought house £315,995 mortgage debt and end date at start = October 2039 <gulp>, now £261,031 end date brought closer by 2 months (been catching up mortgage holiday during furlough)
- OPs to mortgage = £5,330.24 to date
- LTV 52% @ccord, 51% Yopa
Fixed rate 2.17% deal ends October 2024
Proud member of Tilly-Tidy Club since January 2022:
TOTAL for 2022 = £2,008.67
Jan ‘23 £50.53, Feb £2.52, Mar £55.40, Apr £265.15, May £101.25, Jun £708.10, Jul £3.93, Aug £2.02, Sep £2.94, Oct £4.02
Read 53 books of target 52 in 2023 (Last updated 24th November).
Produce tracker: £171.78 of £100 target 😊
Watch your thoughts, they become your words. Watch your words, they become your actions. Watch your actions, they become your reality.3 -
Thanks for reading KK, not too much OPing going on at the moment but I will hopefully get back to that soon ☺️KajiKita said:Yup, it’s been eleventy-billion months since payday! I don’t know how, but that’s how it’s felt! 😂
Good to hear that the new job is going well 😊
Hello btw, I have read all your thread so I feel I know you a bit, but you are probably wondering who’s just crash landed on your thread! 😂😂😂
KKOriginal Mortgage End Date: Apr 36/Aiming for Sep 28/Current April 36
Car loan £5503/10000 CC £18503 -
It will be good when pay day comes. I'm lucky as most of my working life I've been paid 2 weeks in arrears and 2 in advance. It helps so much (well the first month at least).Moving goals: Anticipated costs £8.2K (excluding new furniture or any post move renovations)
1) Upfront house move costs Paid £1034/£2,609 (£448 for legal, £586 for mortgage, £76 post redirection, £1,500 removals)
2) Balance of likely house move costs Paid £0/£5,372 (£1,772 legal, £3,600 land tax from equity)
Longer term financial goals
3) £6,519/£10,000 Emergency/Freedom/Home/Moving Fund 65.19%
4) MFW Nov 21 £201,999 with 264 240 payments to go - now £186,368 Equity 38%
5) Mortgage neutral by June 2030 £6,289/£127,466 AVC target 4.93%
6) FI Age 60 annual income target £12,500/30,000 41.66%
7) CC Debt free April 22 (now stay that way!!)2 -
It’s only going to be a normal pay no overtime but hopefully I will get February overtime from previous job this Friday.
Walked over 8 miles today but balanced this with a fish supper for dinner😱
Original Mortgage End Date: Apr 36/Aiming for Sep 28/Current April 36
Car loan £5503/10000 CC £18503 -
Hope you enjoyed walk & your tea!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 [email protected]. All views are my own & not the official line of Money Saving Expert.Lou~ Debt free Wanabe No 55 DF 03/03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free February 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.It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***Weight loss. ** 2 stone 7 lbs.***2
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Beautiful view
Roll on Friday!! (Tomorrow for me, TG!)
KKAs at 16.11.2023:
- £15,934 of target £10,000 YNAB savings pots and EF (been doing quite a bit of work on the house this summer)
- When bought house £315,995 mortgage debt and end date at start = October 2039 <gulp>, now £261,031 end date brought closer by 2 months (been catching up mortgage holiday during furlough)
- OPs to mortgage = £5,330.24 to date
- LTV 52% @ccord, 51% Yopa
Fixed rate 2.17% deal ends October 2024
Proud member of Tilly-Tidy Club since January 2022:
TOTAL for 2022 = £2,008.67
Jan ‘23 £50.53, Feb £2.52, Mar £55.40, Apr £265.15, May £101.25, Jun £708.10, Jul £3.93, Aug £2.02, Sep £2.94, Oct £4.02
Read 53 books of target 52 in 2023 (Last updated 24th November).
Produce tracker: £171.78 of £100 target 😊
Watch your thoughts, they become your words. Watch your words, they become your actions. Watch your actions, they become your reality.2 -
Going for balance again today - walked about five miles with a friend and then had the biggest scone ever! Delicious 🤤Original Mortgage End Date: Apr 36/Aiming for Sep 28/Current April 36
Car loan £5503/10000 CC £18502 -
THat's the best balance 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 [email protected]. All views are my own & not the official line of Money Saving Expert.Lou~ Debt free Wanabe No 55 DF 03/03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free February 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.It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***Weight loss. ** 2 stone 7 lbs.***3
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Well one has to replace the calories consumed you know …..! 😉🤔😂😉
KKAs at 16.11.2023:
- £15,934 of target £10,000 YNAB savings pots and EF (been doing quite a bit of work on the house this summer)
- When bought house £315,995 mortgage debt and end date at start = October 2039 <gulp>, now £261,031 end date brought closer by 2 months (been catching up mortgage holiday during furlough)
- OPs to mortgage = £5,330.24 to date
- LTV 52% @ccord, 51% Yopa
Fixed rate 2.17% deal ends October 2024
Proud member of Tilly-Tidy Club since January 2022:
TOTAL for 2022 = £2,008.67
Jan ‘23 £50.53, Feb £2.52, Mar £55.40, Apr £265.15, May £101.25, Jun £708.10, Jul £3.93, Aug £2.02, Sep £2.94, Oct £4.02
Read 53 books of target 52 in 2023 (Last updated 24th November).
Produce tracker: £171.78 of £100 target 😊
Watch your thoughts, they become your words. Watch your words, they become your actions. Watch your actions, they become your reality.3
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