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Ninety months to pay off mortgage - or as near as dammit!
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๐๐๐beanielou said:Neither had I but perfect for me as no one wants to see my feetย
I had a spendy day but it was my second haircut of the year and meds for the cat so neither optional really.
Had a lovely walk down the beach and hopefully will have a few NSDs from here on in for a while.
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 -
Stunning.
My hair is currently like a bush.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 -
One of the old dears at work didnโt approve - I have a side fringe so got told I would get a squint๐๐beanielou said:Stunning.
My hair is currently like a bush.
NSD!
inspired by many of you I decluttered a bit this evening, got lots of recycling out of my coffee table, it hides so much๐Mortgage 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 -
WEll done on the declutteringย
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 -
Lovely photo of the sea.ย
Well done on the decluttering too.Achieve 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 16/5/263 -
NSD 2! Hoping to make it to next weekend with 5 so 2/7 so far.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 -
Well done. They're harder to do than they sound... I rarely go a day without spending something...ยAchieve 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 spent today but only about ยฃ15 and hopefully thatโs me until the weekend.
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 -
NSD 3 but I forgot to buy milk so need to shop tomorrow.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 -
NSD 4! Got payslip today so budget for next month worked out.
Just realised that my remortgage has taken my progress off and I am right back at the start ending in April 36 again
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
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