Halving our income and still aiming for mortgage free!

smetf

Hi all, 

New mortgage all eventually sorted. It's 41k, and we are tied to 10% OP, hopefully will make the majority of this OP in the next few months.

Looking forward to being able to sort getting it back to £39,900 once I have the app set up! May have to do some work on actual OPs as in effect this remortgage has undone £1052 of OPs this year...

SA being paid through tax code all sorted - took a phone call as the website sent me in never ending circles. I stopped being self employed in August 25 so am planning to get the return done as soon as I can after April this year.

This year our focus will be on future planning once the Japan trip is over and paid for, our initial thoughts are to increase my pension contributions, continue to build long term savings fund and to boost both the short and medium term savings (this also will enable a good chunk to be paid off the mortgage once the two year deal ends in Feb 2028).
S