£80,000 in 4 years

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  • themadvix
    themadvix Posts: 7,953 Forumite
    Mortgage-free Glee! Photogenic First Anniversary Name Dropper
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    It is hard. Maybe get a couple of agents in to value and ask them what they think? 
    Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days

    'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway


  • try_harder
    try_harder Posts: 1,527 Forumite
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    Yes ,definitely ,that is the most sensible thing to do i know ..Thank you
  • savingholmes
    savingholmes Posts: 27,596 Forumite
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    I am in the same boat. The EA I spoke to said not to bother
    Achieve FIRE/Mortgage Neutrality by mid 2030
    1) MFW Nov 21 £201,999 with 236 payments to go - now £183,036 Equity 26.8%
    2) Spend on handyman & external building works & new patio door £12.65K
    3) CC £5.4K on 0% spends card but offset by £33.8K savings (part EF, part future home improvement)
    4) Mortgage neutral by June 2030 AVC £10.2K/£127.5K AVC target 8% value at 15/5
    5) FI Age 60 annual income target £13.7/30K 45.7%
  • try_harder
    try_harder Posts: 1,527 Forumite
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    Week 17 is over and i have achieved the following 

    Mortgage overpayment £200 ..Total overpayments this year so far are £5600

    MC ..Not so good this week but still ok .£100.64..Total saved this year £3252.81 mostly now in our ISAs but some in PBs ..

    My earnings this week have also gone in to PBs ready for any work we need to do on our house and garden 

    We are away now for a weeks holiday so apart from any money made on Ebax this week we wont have any money coming in so wont be paying any mortgage overpayments this week
  • savingholmes
    savingholmes Posts: 27,596 Forumite
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    Great progress. Enjoy your holiday.
    Achieve FIRE/Mortgage Neutrality by mid 2030
    1) MFW Nov 21 £201,999 with 236 payments to go - now £183,036 Equity 26.8%
    2) Spend on handyman & external building works & new patio door £12.65K
    3) CC £5.4K on 0% spends card but offset by £33.8K savings (part EF, part future home improvement)
    4) Mortgage neutral by June 2030 AVC £10.2K/£127.5K AVC target 8% value at 15/5
    5) FI Age 60 annual income target £13.7/30K 45.7%
  • CCW007
    CCW007 Posts: 850 Forumite
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    Fantastic numbers, well done
  • Busy_Mee
    Busy_Mee Posts: 422 Forumite
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    Just popping in to say Hello and well done. You are doing amazingly well x
  • try_harder
    try_harder Posts: 1,527 Forumite
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    Thank you savingholmes ,we are having a great time with the family and Thank you too CCW007 ,i am trying very hard

    Thank you too BM ,i am so very pleased to see you back ..  
  • try_harder
    try_harder Posts: 1,527 Forumite
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    Week 18 is over and numbers are 

    Mort OPs Nothing for last week as we were on holiday until yesterday so we had no income .Total to date £5600

    MC.£176.95 from sales .I was very pleased with that ,it was mostly all jewellery which was also good ..Total so far this year in to the MC is £3429.76 ,a very good number and averaging just under £200 a week which is absolutely amazing 
  • savingholmes
    savingholmes Posts: 27,596 Forumite
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    That's a fabulous amount. Hope you enjoyed your time away.
    Achieve FIRE/Mortgage Neutrality by mid 2030
    1) MFW Nov 21 £201,999 with 236 payments to go - now £183,036 Equity 26.8%
    2) Spend on handyman & external building works & new patio door £12.65K
    3) CC £5.4K on 0% spends card but offset by £33.8K savings (part EF, part future home improvement)
    4) Mortgage neutral by June 2030 AVC £10.2K/£127.5K AVC target 8% value at 15/5
    5) FI Age 60 annual income target £13.7/30K 45.7%
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