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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 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)1 -
Well done on avoiding the takeaway.
I don't see you as negativeAchieve 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 -
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 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)1 -
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 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 -
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 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 -
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*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.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*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.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 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 -
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*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.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 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)1
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