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Ninety months to pay off mortgage - or as near as dammit!
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I fell asleep in the armchair in the conservatory last night - hubby was amazed as he was cutting holes in walls! ๐ Well done on all the chores and the run ๐๐
KKAs at 15.08.25:
- When bought house ยฃ315,995 mortgage debt and end date at start = October 2039 - now ยฃ232,244
- OPs to mortgage = ยฃ12,148ย Interest saved ยฃ5,738 to date
Fixed rate 3.85% ends October 2030
Read 50 books of target 52 in 2025, as @ 13th September
Produce tracker: ยฃ385 of ยฃ300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.ยWatch your actions, they become your reality.ย2 -
I was out with work today which involved driving the works vehicle into the nearest city. I am ok driving there in my car but in the rust bucket it was a daunting thought. Still I did it and everyone had a good day out so worth it in the end๐
This evening I ran five miles and sadly was phone free as there was so much prettiness! Deer playing in a field on the way out, pretty ruined castle then a double rainbow on the way back, I followed this with a pizza and some wine so now very chilled. I could be asleep on the sofa anytime now๐Mortgage OP 2025 ยฃ6750/7000Mortgage OP 2024 ยฃ7700/7000
Mortgage balance: ยฃ35,463
Declutter 16/244
Money making challenge ยฃ58/400
โDo what others wonโt early in life so you can do what others canโt later in lifeโ (stolen from Gally Girl)3 -
Blimey, I take my hat off to you.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 -
Double rainbow, deer and castle while out running!! - the stuff of dreams for me. I did see a big rainbow while out driving yesterday though.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 ยฃ202K now ยฃ172.5K Equity 36.11%
2) ยฃ1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC ยฃ26.8K + Lump Sums DB ยฃ4.6K + (25% of SIPP 1.2K) = 32.6/ยฃ127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
4) FI Age 60 income target ยฃ17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
(If bigger lump sum ยฃ15.8/30K 52.67%)
5) SIPP ยฃ4.8K updated 13/9/252 -
All the rain does have some benefits SH๐Mortgage OP 2025 ยฃ6750/7000Mortgage OP 2024 ยฃ7700/7000
Mortgage balance: ยฃ35,463
Declutter 16/244
Money making challenge ยฃ58/400
โDo what others wonโt early in life so you can do what others canโt later in lifeโ (stolen from Gally Girl)3 -
In your description I completely missed the rain in rainbow.... Ah well good you're looking on the bright side.skint_spice said:All the rain does have some benefits SH๐Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 ยฃ202K now ยฃ172.5K Equity 36.11%
2) ยฃ1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC ยฃ26.8K + Lump Sums DB ยฃ4.6K + (25% of SIPP 1.2K) = 32.6/ยฃ127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
4) FI Age 60 income target ยฃ17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
(If bigger lump sum ยฃ15.8/30K 52.67%)
5) SIPP ยฃ4.8K updated 13/9/251 -
Although I love rainbows the rain makes my weeds growย
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.2 -
It hasnโt actually been too rainy here SH but I went to Lewis a couple of years ago around this time and there were hundreds of rainbows due to all the rain!
Much weeding being done here too Beanie๐ฑMortgage OP 2025 ยฃ6750/7000Mortgage OP 2024 ยฃ7700/7000
Mortgage balance: ยฃ35,463
Declutter 16/244
Money making challenge ยฃ58/400
โDo what others wonโt early in life so you can do what others canโt later in lifeโ (stolen from Gally Girl)3 -
I have plenty of weeds if you want a share....ยAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 ยฃ202K now ยฃ172.5K Equity 36.11%
2) ยฃ1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC ยฃ26.8K + Lump Sums DB ยฃ4.6K + (25% of SIPP 1.2K) = 32.6/ยฃ127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
4) FI Age 60 income target ยฃ17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
(If bigger lump sum ยฃ15.8/30K 52.67%)
5) SIPP ยฃ4.8K updated 13/9/251 -
Lovely evening for a run today, so glad I declined the offer to work overtime ๐
No thanks to your weeds SH, I am failing to keep on top of mineโฆMortgage OP 2025 ยฃ6750/7000Mortgage OP 2024 ยฃ7700/7000
Mortgage balance: ยฃ35,463
Declutter 16/244
Money making challenge ยฃ58/400
โDo what others wonโt early in life so you can do what others canโt later in lifeโ (stolen from Gally Girl)2
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