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Ninety months to pay off mortgage - or as near as dammit!

edited 23 May 2021 at 6:55PM in Mortgage-free wannabe
733 replies 28.5K views
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  • savingholmessavingholmes Forumite
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    That sounds like a good plan.
    Target 1) Prioritise health & social connection 2) Write regularly 51,745/70,000 words Book 2 and 10,787/70,000 Priestess book, 44,000/95000 Memoir Prep 3) Get to £10K EF/Savings Now £6,291 4) MFW starting at £201,999 Nov 21 with 264 245 payments to go. Now £189,678 5) Mortgage neutral progress via pension £3,687 invested since Nov 21 6) Declutter 7) Invest in fun and frolics - and not just future self! 8) CC Debt free April 22 (now stay that way!!)
  • Are there any easy offers you could take advantage of to bring in some extra dosh? 
    Long time lurker here! I don't think you're allowed referral codes on the forum (not sure about by PM?) but I have some easy offers you can sign up for if anyone is interested drop me a message!
  • skint_spiceskint_spice Forumite
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    So with all the updated guidance I have had to reluctantly cancel a night out - too many folk, in the city etc... but on the upside this means I can add the money to my fun account to have fun at a later date.
    Original Mortgage End Date: Apr 36/Aiming for Sep 28/Current April 36

    Car loan £6329/10000 CC £3080 Emergency fund target 13% achieved 
  • savingholmessavingholmes Forumite
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    Good to find the silver lining... 
    Target 1) Prioritise health & social connection 2) Write regularly 51,745/70,000 words Book 2 and 10,787/70,000 Priestess book, 44,000/95000 Memoir Prep 3) Get to £10K EF/Savings Now £6,291 4) MFW starting at £201,999 Nov 21 with 264 245 payments to go. Now £189,678 5) Mortgage neutral progress via pension £3,687 invested since Nov 21 6) Declutter 7) Invest in fun and frolics - and not just future self! 8) CC Debt free April 22 (now stay that way!!)
  • skint_spiceskint_spice Forumite
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    Now the Christmas mayhem is subsiding I feel much calmer. Got some money for Christmas and put it in the “fun” account for future adventures also got a gift voucher which I will put towards a rug for the living room when I decorate.

    I have no notion to buy any bargains, I hope this keeps up!
    Original Mortgage End Date: Apr 36/Aiming for Sep 28/Current April 36

    Car loan £6329/10000 CC £3080 Emergency fund target 13% achieved 
  • savingholmessavingholmes Forumite
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    Part of the Furniture 10,000 Posts Name Dropper Photogenic
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    Hope you had a lovely Xmas. Fun £ pot for adventures sounds good. Anything in particular you are hoping for?
    Target 1) Prioritise health & social connection 2) Write regularly 51,745/70,000 words Book 2 and 10,787/70,000 Priestess book, 44,000/95000 Memoir Prep 3) Get to £10K EF/Savings Now £6,291 4) MFW starting at £201,999 Nov 21 with 264 245 payments to go. Now £189,678 5) Mortgage neutral progress via pension £3,687 invested since Nov 21 6) Declutter 7) Invest in fun and frolics - and not just future self! 8) CC Debt free April 22 (now stay that way!!)
  • skint_spiceskint_spice Forumite
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    A paddle board or a kayak, I like to be by water. The fund is also there to cover holidays etc but I think next year is going to be another one staying in Scotland. Luckily I am quite fond of the place😎
    Original Mortgage End Date: Apr 36/Aiming for Sep 28/Current April 36

    Car loan £6329/10000 CC £3080 Emergency fund target 13% achieved 
  • savingholmessavingholmes Forumite
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    Part of the Furniture 10,000 Posts Name Dropper Photogenic
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    I like the idea of trying a paddle board. Need to lose a lot of weight first though. 

    Scotland country/seaside is beautiful.
    Target 1) Prioritise health & social connection 2) Write regularly 51,745/70,000 words Book 2 and 10,787/70,000 Priestess book, 44,000/95000 Memoir Prep 3) Get to £10K EF/Savings Now £6,291 4) MFW starting at £201,999 Nov 21 with 264 245 payments to go. Now £189,678 5) Mortgage neutral progress via pension £3,687 invested since Nov 21 6) Declutter 7) Invest in fun and frolics - and not just future self! 8) CC Debt free April 22 (now stay that way!!)
  • skint_spiceskint_spice Forumite
    12K Posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
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    I like the idea of trying a paddle board. Need to lose a lot of weight first though. 

    Scotland country/seaside is beautiful.

    I have had a go at both just in case I was rubbish, no need to diet for paddle boarding just book a wee lesson - go on.

    It is lovely, even though I live in the coast I still feel good whenever I walk by the beach.
    Original Mortgage End Date: Apr 36/Aiming for Sep 28/Current April 36

    Car loan £6329/10000 CC £3080 Emergency fund target 13% achieved 
  • savingholmessavingholmes Forumite
    24.1K Posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Forumite
    I love the seaside. There is a paddle boarding place at a lake within a short drive for me - so I could put that on the bucket list. I would like to lose weight first though...
    Target 1) Prioritise health & social connection 2) Write regularly 51,745/70,000 words Book 2 and 10,787/70,000 Priestess book, 44,000/95000 Memoir Prep 3) Get to £10K EF/Savings Now £6,291 4) MFW starting at £201,999 Nov 21 with 264 245 payments to go. Now £189,678 5) Mortgage neutral progress via pension £3,687 invested since Nov 21 6) Declutter 7) Invest in fun and frolics - and not just future self! 8) CC Debt free April 22 (now stay that way!!)
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