We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
Ninety months to pay off mortgage - or as near as dammit!
Comments
-
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 2026 £860/2000Mortgage balance: £31,763
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £20
Boiler fund £2085/30003 -
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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.2 -
I still love the actual job and interacting with the folk just not the workplace politics.beanielou said:At the new jobMortgage OP 2026 £860/2000Mortgage balance: £31,763
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £20
Boiler fund £2085/30003 -
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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.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 2026 £860/2000Mortgage balance: £31,763
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £20
Boiler fund £2085/30002 -
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 17.04.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
- OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 32 books of target 52 in 2026 as @ 17th May.
Produce tracker: £119 of £400 in 2026
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 2026 £860/2000Mortgage balance: £31,763
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £20
Boiler fund £2085/30002 -
Photo from your walk looks nice.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
3) Mortgage neutral by 06/30 (AVC £41.6K + Lump Sums DB £4.6K + (25% of SIPP 1.4K) = 47.6K of £127.5K target 37.33% 16/5/26 (If took bigger lump sum = 69.5K or 54.5%)
4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
5) SIPP £5.6K updated 16/5/261 -
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 2026 £860/2000Mortgage balance: £31,763
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £20
Boiler fund £2085/30002
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 354.6K Banking & Borrowing
- 254.5K Reduce Debt & Boost Income
- 455.5K Spending & Discounts
- 247.5K Work, Benefits & Business
- 604.3K Mortgages, Homes & Bills
- 178.6K Life & Family
- 261.9K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.7K Read-Only Boards