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Watty's Awakening

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  • KajiKita
    KajiKita Posts: 11,020
    10,000 Posts Fifth Anniversary Name Dropper Photogenic
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    This is all coming on really well 😊👏

    KK
    As at 16.10.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £209,304
    - OPs to mortgage = £20,603 Estd. interest saved = £10,635 to date
    c. 18 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 80 books of target 52 in 2026 as @ 7th November. 
    Produce tracker: £356 of £400 in 2026

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • greenbee
    greenbee Posts: 20,005
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    When you've finished with your builder can you send him over please? Mine didn't turn up last week to look at what needs doing and I REALLY need the dog flap turned into a cat flap and the sitting room door blocked up. 
  • Well done Watty, you are proving you can do amazing things alone and live a rich life 😁
    Mortgage start date Nov 2014  - £90,545 over 25 years
    Re-mortgage Oct 2017 - 78,295 over 23 years
    Re-mortgage Jan 2020 - 55,000 over 26 years @ 1.94%
    Current Mortgage Outstanding Middle December 2020 - £
    47893.35 - a reduction of £42,652 in just over 6 years!  


  • savingholmes
    savingholmes Posts: 29,235
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
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    Well done Watty, you are proving you can do amazing things alone and live a rich life 😁
    So agree with this. You are being very resourceful and developing your skills and contacts. All good.
    Achieve FIRE/Mortgage Neutrality
    1) MFW Nov 21 £202K now £165K Equity 38.88% 6/9/26
    2) £1.5K Net savings after CCs 29/8/26 (but owed £130) so £1.6K
    3) 47/82K @29/8/26 = 57.31% AVC Goal by mid 2028
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