GAP and LMG, can we become mortgage free?

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  • girlatplay
    girlatplay Posts: 3,883 Forumite
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    I got another message from the sofa manufacturer confirming that the sofa will definitely be delivered to the shop on 11th August and the shop will call me then to arrange delivery here.  We have stuff to move and a wall to paint before it arrives so that is a job for Saturday.  I moved a lot of the boxes tonight but I got tired so stopped at a suitable point.  LMG will help me with the rest.

    I have ordered my bed frame and that is due to arrive on Friday.  Again, boxes and stuff to move in my bedroom before it arrives.  I'll need to do that tomorrow night.

    My best friends are coming round on Sunday for lunch and to see the new house so I'll prep the meal on Saturday in between painting.  My interior designer friend will talk wardrobes with LMG so we can hopefully get those under way soon too.

    The good thing about having just moved and being in a mess is that I don't feel I need to make excuses which means I'm so much more relaxed about everything (apart from when I can't find stuff).

    Today's OP = £1
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £166,457.86
    300 282 payments to go.
    House buyout fund £3,261.67/£40,000
    Random Pick Fridays = £80.01
  • beanielou
    beanielou Posts: 90,193 Ambassador
    Academoney Grad I'm a Volunteer Ambassador Mortgage-free Glee! Name Dropper
    All hapenning  :)
    Have a lovely day with your friends  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 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*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • girlatplay
    girlatplay Posts: 3,883 Forumite
    Photogenic Name Dropper First Anniversary First Post
    beanielou said:
    All hapenning  :)
    Have a lovely day with your friends  xx
    Thank you.  They're my best friends and I'm really looking forward to it.


    Got a wash on the line this morning and pottered about in the garden after work this afternoon.  I love being able to say that.

    Today's OP = £1
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £166,457.86
    300 282 payments to go.
    House buyout fund £3,261.67/£40,000
    Random Pick Fridays = £80.01
  • savingholmes
    savingholmes Posts: 27,334 Forumite
    Name Dropper First Anniversary Photogenic First Post
    I am so happy you are using your garden and loving your new home and making it yours. Have a fun time with friends.
    Achieve FIRE/Mortgage Neutrality by mid 2030
    1) MFW Nov 21 £201,999 with 237 payments to go - now £184,341 Equity 26.26%
    2) Spend on handyman & external building works & new patio door £11.9K
    3) CC £3.9K on 0% spends card but offset by £34.1K savings (part EF, part future home improvement)
    4) Mortgage neutral by June 2030 AVC £9.6K/£127.5K AVC target 7.5% value @15/4
    5) FI Age 60 annual income target £13.7/30K 45.7%
  • girlatplay
    girlatplay Posts: 3,883 Forumite
    Photogenic Name Dropper First Anniversary First Post
    I am so happy you are using your garden and loving your new home and making it yours. Have a fun time with friends.
    It really has been life-changing moving here.  I already feel fitter and healthier.  I am able to do stuff when I finish work instead of moving from the dining chair to the sofa for the evening (nothing to do with the fact we don't have a sofa yet).


    Today's OP = £1
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £166,457.86
    300 282 payments to go.
    House buyout fund £3,261.67/£40,000
    Random Pick Fridays = £80.01
  • girlatplay
    girlatplay Posts: 3,883 Forumite
    Photogenic Name Dropper First Anniversary First Post
    I've done so much today.  Ate breakfast outside 😊, ran lots of errands, dropped off groceries to my folks (they both have covid 😞), did bits in the garden and prepped lunch for tomorrow (all HM: chilli, salsa and guacamole).  Doesn't sound like much but that has been my whole day.  Sat down only for breakfast, and for lunch at 3.30pm.

    I forgot to pick up juice for lunch tomorrow so I'll need to get that in the morning but once I do I will have spent £30 in total, which includes the food, a nice bottle of Prosecco and the juice (rose lemonade, it's a favourite "posh juice" right now), for 4 people.  That's way better than the at least £50 we each spend when we go out.  Also, I think there might be a portion of chilli left over so that will do me a meal another night.  I have a couple of baking potatoes so I'll have that one night when LMG is away.  Also, I only used 2/3 of the mince so I will probably freeze what is left and use that another time.  Maybe mince and tatties or spag bol.  I felt like I had lost my cooking mojo a bit as LMG tends to cook most of our meals but I actually really enjoyed my stint in the kitchen tonight.  It didn't feel strange cooking in the new kitchen either which I thought it might.

    We are thinking about painting the wall in the livingroom in Egyptian cotton.  LMG bought a sample and put it on her bedroom wall.  She didn't like it there but I thought it would work well in the livingroom.  She agreed.  I then saw it in someone's room on the 'gram and it looked really nice, I thought it would work well with the new suite and the colour scheme I had in mind.  However, it turns out bf has it in his kitchen and I've never liked the colour!  His looks more like beigey-peach.  Do we risk it and put it on or do we pick another colour?  It would just be a case of painting over it if we hated it but I don't want to waste money.

    Today's OP = £1
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £166,457.86
    300 282 payments to go.
    House buyout fund £3,261.67/£40,000
    Random Pick Fridays = £80.01
  • joedenise
    joedenise Posts: 16,560 Forumite
    First Post Name Dropper First Anniversary
    How about getting a sample pot of the colour and trying a largish square on the wall you want to paint it and live with it for a week or so to see if you like it.  The same colour can look so different from different angles and also depending on how the light is in any particular room and at different times of the day?

    It's what we did when we decided to paint one wall.  We loved the colour on the colour chart but it looked absolutely awful in our living room!  We ended up with a deep purple on the alcove walls but not on the returns that was left white the same as the rest of the room!  Not a colour we would normally of gone for but it works really well and we bought blinds in the same colour to tie it all together and it looks and feels great!

  • girlatplay
    girlatplay Posts: 3,883 Forumite
    Photogenic Name Dropper First Anniversary First Post
    Thank you @joedenise
    We have the small sample that LMG put on her wall so I put that on the mustard coloured wall but it looks white against the yellow.  My interior designer friend was in today (for the girls' lunch) and unashamedly put a test square on every wall in the livingroom.  We were just going to paint the one wall but apparently feature walls are not so much of a thing now.  She wasn't sure about the colour at first but once she had vandalised all our walls she said we should go with the Egyptian cotton as the light is right and it will work with the suite colour.

    Talking of the suite, I have missed two calls from the sofa shop today telling me that the suite has arrived and they want to deliver it.  WE'RE NOT READY!  I'll have to call them tomorrow and try to put them off for a few days so that we can move stuff around as when they deliver they set up too.  We're going to have to cover it when we paint.

    Girls' lunch was great.  The food was well complimented and they love the house.  We sat outside and the weather was kind to us.

    Back to the grind tomorrow.

    Today's OP = £1
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £166,457.86
    300 282 payments to go.
    House buyout fund £3,261.67/£40,000
    Random Pick Fridays = £80.01
  • beanielou
    beanielou Posts: 90,193 Ambassador
    Academoney Grad I'm a Volunteer Ambassador Mortgage-free Glee! Name Dropper
    Have to say as I am so much older than you I just go with what I like!


    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*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • savingholmes
    savingholmes Posts: 27,334 Forumite
    Name Dropper First Anniversary Photogenic First Post
    Well done on OP 

    Enjoy your paint choices 
    Achieve FIRE/Mortgage Neutrality by mid 2030
    1) MFW Nov 21 £201,999 with 237 payments to go - now £184,341 Equity 26.26%
    2) Spend on handyman & external building works & new patio door £11.9K
    3) CC £3.9K on 0% spends card but offset by £34.1K savings (part EF, part future home improvement)
    4) Mortgage neutral by June 2030 AVC £9.6K/£127.5K AVC target 7.5% value @15/4
    5) FI Age 60 annual income target £13.7/30K 45.7%
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