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GAP and LMG, can we become mortgage free?

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Comments

  • I’m sure there’s a Glaswegian woman who’s huge in that space
    I think she's called Mama FurFur?

    I like Paula P too, I like the message that cutting costs alone won't get you there. Now need to kick BF out of his house for a few hours so I can use his Netflix to watch it 🤣!
    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    I’m sure there’s a Glaswegian woman who’s huge in that space
    I think she's called Mama FurFur?

    I like Paula P too, I like the message that cutting costs alone won't get you there. Now need to kick BF out of his house for a few hours so I can use his Netflix to watch it 🤣!
    I had a quick search and I found her.  I'll watch a couple of her videos and if I think LMG will like her I'll suggest it.  Thanks both.
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    edited 8 September 2022 at 8:19PM
    I'm not a big Royalist but I do feel sad about the passing of The Queen.  My grandparents were hugely respectful of her so we grew up knowing a lot about The Royal Family.  I couldn't let the day pass without giving it a nod.
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    It's the mama one with the fur - if that helps.

    P*nt is good - and she has friends who in their twenties become millionaires through property investing. She does it too.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    The weather has been decent this weekend.  I weeded the driveway (it had got to an embarrassing state).

    I made up my bed frame, just waiting for the mattress to be delivered.

    I've been doing the usual PADing over the weekend so total, including today = £4
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
  • When does your new mattress come?

    Well done on doing jobs and the OP.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    @savingholmes the mattress arrived today.  I have to leave it out for a while before using it so I'll probably open it first thing tomorrow morning.  Once that is done and made up, that will be another job done.

    I called the wardrobe guy yesterday but he doesn't have availability until December.  He has been highly recommended and is reasonably priced so we will wait.  I'm just getting normal wardrobes so I'll probably go ahead and get them, if I can find ones I actually like. We can then move boxes out of LMG's room so that she can find things again.

    I've not posted much as I've not had much to say.  Work has been really busy so it has been a fast week for us.

    OP'd another £4 since I last posted so I'm up to £321.19 now.
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
  • You could look on FB for wardrobes 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    You could look on FB for wardrobes 
    Yes, I can.  I'm looking everywhere but I just can't see any I like.  LMG's need to be fitted to make best use of the space as her room is small but my room is big so I have more choice.
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
  • I found the free places to be really annoying to look for wardrobes when I moved, they all seemed to be flooded with what was basically companies selling new ones instead. I’ve put it on hold for now and sticking with my current broken one instead 😂 
    Debt at LBM (Dec 2018): £23,167
    Debt free Feb 2021
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