GAP and LMG, can we become mortgage free?



  • EssexHebridean
    EssexHebridean Posts: 21,482 Forumite
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    I would not be screeding under units unless it was being done at the same time that I was ripping the kitchen out anyway I think - I suspect it would cause more problems than it would solve otherwise. It's likely that as and when the kitchen is done you'll be getting new flooring in there anyway I should think, so any discrepancies in floor level can be sorted at that stage? 

    The boxes thing - honestly, I'm well aware that we're far from the normal on this one! 

    GAP - I hear you on the meal planning. When I get on a proper roll with it then it's great - but it doesn't  take that much to derail me! 
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00
    Balance as at 31/12/23 = £112,000.00
    SOA CALCULATOR (for DFW newbies): SOA Calculator
  • savingholmes
    savingholmes Posts: 27,580 Forumite
    Name Dropper First Anniversary Photogenic First Post
    Hope you are and yours are okay GAP.
    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 £4.6K 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%
  • beanielou
    beanielou Posts: 90,700 Ambassador
    Academoney Grad I'm a Volunteer Ambassador Mortgage-free Glee! Name Dropper
    Missing you GAP.
    Hope you are ok  xx
    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 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.
  • astrocytic_kitten
    Just adding my hellos and well wishes GAP. We keep missing each other having active periods on the forum!
    Debt at LBM (Dec 2018): £23,167
    Debt free Feb 2021
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