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Ninety months to pay off mortgage - or as near as dammit!
Comments
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Hopefully they won’t get any lower before you have to get a new deal. Mine nearly doubled the interest rate😩KajiKita said:That looks lovely 😊
I am being cautious about my valuations and very much crossing my fingers!KK
working today and I had forgotten the workplace politics were awful in here! Must get paying down the mortgage and escape asap!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)3 -
At the new job
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 still love the actual job and interacting with the folk just not the workplace politics.beanielou said:At the new jobMortgage 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)3 -
I hate office poilitics.skint_spice said:
I still love the actual job and interacting with the folk just not the workplace politics.beanielou said:At the new job
They are everywhere.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.3 -
and it is so hard to avoid or be unaffected by it in my experience.beanielou said:
I hate office poilitics.skint_spice said:
I still love the actual job and interacting with the folk just not the workplace politics.beanielou said:At the new job
They are everywhere.Nevertheless she persisted.3 -
Too true Buffy, you can try to avoid but it’s still 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)2 -
FWIW, in my experience, those that that can avoid or surf over the top of the office politics and just get on with doing their job well, are the ones that earn the respect of their peers and managers. It can take a lot of extra mental effort though, not to get sucked in to the drama ….The fact that you love the actual job will help. Watch for where the triggers, or as I call them ‘land mines’, are and executing a tactical mental, verbal and even physical withdrawal at the times they appear will keep you reasonably safe from them. If changes in terms and conditions arise as a result of the politics, weigh them up and ask yourself, will they affect me? If they affect me, are they fair? If they are unfair, challenge them. Either way, am I prepared to accept these changes or will I walk to something else? I know that you know all this 😊 it’s just sometimes having a ‘defined plan’ for managing this kind of nonsense can be very empowering and comforting and it means you are clear about *your* boundaries *before* the nonsense comes at you!You give the impression of being able to switch jobs quite easily so I think you could change jobs if you had to, so you have that safety net as well.
Aplologies for the download! 😉😂
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,148 Interest saved £5,738 to date
Fixed rate 3.85% ends October 2030
Read 50 books of target 52 in 2025, as @ 13th September
Produce tracker: £389 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.2 -
KK, I could get another job fairly easily I think - it’s social care - but my plan is stay put for a wee while then move if I have to. There’s lots of nice folks too, it’s not completely toxic😂
I hate moving about though, it’s so not me!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 -
Photo from your walk looks nice.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 -
If it was the beach it was nice but if it was the one from the weekend it wasn’t 😂 El and I are heading out for a walk on Tuesday so hopefully that will erase the memories of the other walk😂savingholmes said:Photo from your walk looks nice.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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