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Ninety months to pay off mortgage - or as near as dammit!
Comments
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Felt awful yesterday, haven’t been sleeping well and think it must have been that as I feel human again today🎉
Catching up with the washing mountain but off to get my nails done so a bit of pampering to enjoy. Hoping to get out for a run later but I think there’s a storm coming in 😱Mortgage OP 2026 £860/2000Mortgage balance: £31,763
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £202 -
Stay safe in the storm.
The drive out sounds beautiful.
Glad the new job is going well and you are making time for rest and pampering.Achieve 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, the rain has been causing flash flooding everywhere here, I drove to meet a friend yesterday and it was quite hairy! Surprisingly ok once I left my town, we must be getting everyone’s rain.
Today’s plan is a run, housework and a dance class later but waiting for a parcel to be delivered first. Back to work tomorrow…Mortgage OP 2026 £860/2000Mortgage balance: £31,763
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £202 -
How’s work?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 -
It’s good so far Beanie but I have had nearly a week off due to shifts which has been fab!beanielou said:How’s work?Mortgage OP 2026 £860/2000Mortgage balance: £31,763
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £203 -
Flash flooding doesn't sound great. The shifts falling in your favour sounds good though.Achieve 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 -
Now on the other side of it SH with six on in a row, things will calm down soon. This seems to be my mantra these days…savingholmes said:Flash flooding doesn't sound great. The shifts falling in your favour sounds good though.
Mortgage OP 2026 £860/2000Mortgage balance: £31,763
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £202 -
Feeling saintly - fancied going to the chippie but made some in the air fryer instead, better for purse and waistline. Claimed another £25 from 0nep0ll and seem sto be accumulating lots of nect@r points so hopefully a free week of shopping coming soon. I really need to look at my shopping budget though as it’s growing by the week.Mortgage OP 2026 £860/2000Mortgage balance: £31,763
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £203 -
You’re not alone on the food shop running away with you …. I just can’t seem to cut it back.skint_spice said:Feeling saintly - fancied going to the chippie but made some in the air fryer instead, better for purse and waistline. Claimed another £25 from 0nep0ll and seem sto be accumulating lots of nect@r points so hopefully a free week of shopping coming soon. I really need to look at my shopping budget though as it’s growing by the week.Well done on the £25 for 1Poll 👏😊
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 32 books of target 52 in 2026 as @ 17th 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 -
Well done on the survey £.
The week with six shifts in a row doesn't sound fun.
I have just been shopping and completely overspent. I think there's something about xmas though which seems to loosen the purse strings across all areas,...Achieve 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 16/5/262
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