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Ninety months to pay off mortgage - or as near as dammit!
Comments
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Busy day today, ran this morning then went for lunch with DS, walked a bit and did three loads of washing, ironed and cut the grass. Bed is remade with fresh sheets💗
Spent a bit more for lunch than I intended to but it was worth it.As for work… I will see how it goes, at least it spurs me into running! Three times this week already.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 -
Sorry about work. Runs sound really positive though as does lunch with DS.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 -
Off now for a week, I started clearing my attic room and it looks lots better already. Weather is awful so not sure how much I will be able to do outdoors but at least I am off.
I have realised I have been hanging on to clothes etc to sell but not selling and just making myself live with piles of unwanted stuff. So it is all going, slowly but surely…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 -
I feel you Skint on the piles of stuff.
I'm currently clearing my garrage ahead of viewings on Wednesday and reminding myself that whatever £ something could earn me is unlikely to outweigh the perceived value of space. Now my house is tidier I can't believe I loved with so much unnecessary carp for so long!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 13/9/253 -
Enjoy your week off.
I just get rid off stuff.
So handy volunteering in a charity shop!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.4 -
Absolutely SH, I have wasted enough time looking at the stuff, it needs to be gone. I hope you get a rest soon after all your work but it will be worth it in the end.
Beanie, I see some lovely clothes in slow fashion and second hand shopping folk I follow I would be tempted to bring things home if I were you!
Last day before payday and I had money left! Not a lot but still… sending it to top up savings as those are looking dire.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 -
👏👏👏 for the monies left over at before payday! That’s always a win 😊
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: £385 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 -
And today was a NSD apart from petrol but that was needed for the month ahead. A day out with my favourite MSEr today, it didn’t go as planned due to the weather but we saw a few cute animals anyway and had a decent walk.
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 -
Stunning sceneryAchieve 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 13/9/252 -
Thanks SH, I was introducing El to the goats, we saw lots of tiny frogs and a stoat too😂 on our last day out we only saw seals and close to where I live too, always hoping for red squirrels but it’s been a while.
So have paid a bit extra to cc this morning and I am trying a new approach this month and have moved my spending money and food money to a different account. Hopefully this will keep me firmly on track…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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