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Ninety months to pay off mortgage - or as near as dammit!
Comments
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๐๐๐ I spoke too soon - I looked out of the window and it looked like it was snowing it was so heavy! Unfortunately it was at this point the cat had decided to go out for a wander, poor wee soul!KajiKita said:
Bed remade, ironing done, everywhere cleaned, hoover and mopped, all set to return to work tomorrow ๐ซMortgage OP 2025 ยฃ6750/7000Mortgage OP 2024 ยฃ7700/7000
Mortgage balance: ยฃ35,463
Declutter 12/244
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 -
Not too long to go now!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 -
No itโs still too long๐beanielou said:Not too long to go now!Mortgage OP 2025 ยฃ6750/7000Mortgage OP 2024 ยฃ7700/7000
Mortgage balance: ยฃ35,463
Declutter 12/244
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 -
It's always hard at the end. You'll be in your new job before you know it.skint_spice said:
No itโs still too long๐beanielou said:Not too long to go now!
Hope the weather settles.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 13/9/251 -
Hope you are surviving the weather.ยI 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 -
We have no storm as yet! But thank you both for your kind thoughts. ย I went to see a film with a friend and took the car as I thought it might have started by the time it finished but itโs still dry and calm here (as opposed to the norm of wet and windy), hope itโs better up your way soon Beanie.Mortgage OP 2025 ยฃ6750/7000Mortgage OP 2024 ยฃ7700/7000
Mortgage balance: ยฃ35,463
Declutter 12/244
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 -
The weather does sound severe in places. Hope everyone stays okay.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 -
Cold and frosty here today, I have a late start so hopefully no need to scrape the car. Last week and frankly dreading it but I shall grin and bear it and enjoy time with the lovely residents and staff (not all bad).Mortgage OP 2025 ยฃ6750/7000Mortgage OP 2024 ยฃ7700/7000
Mortgage balance: ยฃ35,463
Declutter 12/244
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 -
Prework cuddle sesh!
Mortgage OP 2025 ยฃ6750/7000Mortgage OP 2024 ยฃ7700/7000
Mortgage balance: ยฃ35,463
Declutter 12/244
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)4 -
Hope last week bearable.ยThat wee face ๐ปI 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
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