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Ninety months to pay off mortgage - or as near as dammit!
Comments
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Phew for payday โฆ.! ๐๐Twiddling my thumbs here, waiting for mine, focusing on NSDs โฆ. ๐
KKAs at 17.04.26:
- When bought house ยฃ315,995 mortgage debt and end date at start = October 2039 - now ยฃ216,847
- OPs to mortgage = ยฃ18,925 Estd. interest saved = ยฃ9,670 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.ย
Produce tracker: ยฃ108 of ยฃ400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.ยWatch your actions, they become your reality.ย1 -
I need to concentrate on those NSDs myself KK! This monthโs focus needs to be decluttering as I have too many clothes, so many itโs hard to find what I am looking for and I now wear uniform five days a week ๐ย
I had a nice moment at work when someone told me they are delighted to see how much the residents are enjoying themselves since I started, reading back that may seem dodgy if you donโt know what I do๐Mortgage OP 2026 ยฃ860/2000Mortgage balance: ยฃ31,763
Make ยฃ50 a month Jan ยฃ20, Feb ยฃ0, March ยฃ31, Apr ยฃ20, May ยฃ20
Boiler fund ยฃ2085/30003 -
What a lovely complimentย
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.4 -
It was Beanie!ยManaged to fit a wee walk at the beach in after work today before getting weighed and I am delighted to be back close enough to goal to not have to pay any more๐ four pounds to target.Mortgage OP 2026 ยฃ860/2000Mortgage balance: ยฃ31,763
Make ยฃ50 a month Jan ยฃ20, Feb ยฃ0, March ยฃ31, Apr ยฃ20, May ยฃ20
Boiler fund ยฃ2085/30002 -
Ooh that's great
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 -
Great progress on the job and weight lossAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 ยฃ202K now ยฃ167.4K Equity 38% 3/4/26
2) ยฃ2.1K Net savings after CCs 14/5/26 (but owed ยฃ1.3K) so ยฃ3.4K
3) Mortgage neutral by 06/30 (AVC ยฃ41.6K + Lump Sums DB ยฃ4.6K + (25% of SIPP 1.4K) = 47.6K of ยฃ127.5K target 37.33% 16/5/26 (If took bigger lump sum = 69.5K or 54.5%)
4) FI Age 60 income target min ยฃ17.1/30K 57% (may need more) If bigger lump sum ยฃ15.8/30K 52.67%
5) SIPP ยฃ5.6K updated 16/5/262 -
I think I have spent the last couple of days eating! I have also spent a small fortune at the supermarket so I am aiming to get to next Saturday spending only ยฃ20max.Mortgage OP 2026 ยฃ860/2000Mortgage balance: ยฃ31,763
Make ยฃ50 a month Jan ยฃ20, Feb ยฃ0, March ยฃ31, Apr ยฃ20, May ยฃ20
Boiler fund ยฃ2085/30003 -
I am in target to make it to Fri without overspending but I am out of noisy cat treats so I will have to shake popcorn kernels to I give the cat in๐ she has those cat yogurt things so sheโs got treats.
Only two more days then I have a weekend to myself, I am shattered and just fancy a rest. Work is going well but I will enjoy a weekend off of entertainment ๐Mortgage OP 2026 ยฃ860/2000Mortgage balance: ยฃ31,763
Make ยฃ50 a month Jan ยฃ20, Feb ยฃ0, March ยฃ31, Apr ยฃ20, May ยฃ20
Boiler fund ยฃ2085/30000 -
Enjoy your weekendย
S only eats the youg things if I squeeze them into her bowl
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 -
Itโs the weekend! I have declined invites in order to recharge, I have mainly spent this evening tweaking what if financial scenarios๐ย
The cat is currently under my car refusing to come indoors so it may be a long night!
ยMortgage OP 2026 ยฃ860/2000Mortgage balance: ยฃ31,763
Make ยฃ50 a month Jan ยฃ20, Feb ยฃ0, March ยฃ31, Apr ยฃ20, May ยฃ20
Boiler fund ยฃ2085/30002
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