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Ninety months to pay off mortgage - or as near as dammit!
Comments
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Thank you Buffy, I am a bit whiny at times😂
Parkrun this morning, hope it’s dry!Mortgage OP 2026 £860/2000Mortgage balance: £31,763
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £201 -
Well done on avoiding the takeaway.
I don't see you as negativeAchieve 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 -
Thanks SH, I am aware of the fact I am moaning about something and doing nothing about it 😫 my reasoning is that I shall be better placed to move job come February as I will have some income from pension so if I hang on til then my choices are going to be better.
So today, it was pouring so didn’t do parkrun but waited an hour and ran to the beach instead. I am following a training program as I have previous for overdoing things and becoming injured but it’s so hard to stop and the stated mileage 😂
After that (and a shower obviously 😂) i walked back to town with DS to get him organised for a wedding we are going to next month. The usual Scottish attire organised and another thing ticked off.
I think the rest of the day will be cleaning and tidying, perhaps a cheeky takeaway later but first a nap with the cat😂Mortgage OP 2026 £860/2000Mortgage balance: £31,763
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £201 -
I am another who doesn’t think you are a dreary Deidre - you work in a tough role and managers being idiots is an unnecessary additional burden. If you can stick it until February then fair enough, you have a plan, but if not, then get moving now. The closer you get to the c-word the less recruitment there is happening as everyone winds down for year end (financially and energetically) so I would start the search before September if you want to have shifted before C-mas.
Are there specific things that would make the current role better or easier to bear?
Yaay for the cc payment - solid progress! 😊👏👍 And bravo on the running … I would have no issues about stopping at the recommended mileage! 😉😂
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 33 books of target 52 in 2026 as @ 20th 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 -
Thanks KK, I don’t think there is anything I can do to help with current role. Management made promises and have failed to deliver. The best I can do is try to reduce the stress I feel regarding it.
House is sparkling and all washing and ironing has been done so I am feeling quite organised for once😅Mortgage OP 2026 £860/2000Mortgage balance: £31,763
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £203 -
Dreary Deirdre
Hardly.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 -
DS & GF are going to a wedding next month too & DS is also wearing Scottish attire!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 -
I think it looks very smart! Although no doubt jacket and tie will be off early doors😂beanielou said:DS & GF are going to a wedding next month too & DS is also wearing Scottish attire!Mortgage OP 2026 £860/2000Mortgage balance: £31,763
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £202 -
Yes.skint_spice said:
I think it looks very smart! Although no doubt jacket and tie will be off early doors😂beanielou said:DS & GF are going to a wedding next month too & DS is also wearing Scottish attire!
DS is even thinking about a jacket for work.Blimey!!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 -
All grown up now Beanie! Is his job nearby ish or will they need to move?beanielou said:
Yes.skint_spice said:
I think it looks very smart! Although no doubt jacket and tie will be off early doors😂beanielou said:DS & GF are going to a wedding next month too & DS is also wearing Scottish attire!
DS is even thinking about a jacket for work.Blimey!!Mortgage OP 2026 £860/2000Mortgage balance: £31,763
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £201
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