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Here’s where the story ends…

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And another way of life begins? Another old tune that’s been stuck in my head this week.  No more ninety months for me, aiming for four years from now so forty eight months.

I have rejigged my budget as food prices and prices in general have gone up. Hopefully giving myself a reasonable amount to spend will stop me overspending or going crazy.

My mortgage currently stands at £54,765 which is tiny for some but my wages are equally tiny 😂😂😂

I shall endeavour to keep social spends down where possible so it will be lots more walking, running and swimming for me.  
Mortgage OP 2025 £6000/7000
Mortgage OP 2024 £7700/7000

Mortgage balance: £36,680
2029 Holiday fund £356/7000

”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
«13456782

Comments

  • redofromstart
    redofromstart Posts: 5,792 Forumite
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper
    edited 22 February 2024 at 10:51PM
    Calling in to wave pom poms and cheer you along. 
  • KajiKita
    KajiKita Posts: 7,416 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    I’m enrolled 🎉🤩🥳😊👏

    KK
    As at 15.06.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £234,698
    - OPs to mortgage = £11,338 Interest saved £5225 to date
    Fixed rate 3.85% ends January 2030

    Read 35 books of target 52 in 2025, as @ 13th July
    Produce tracker: £205 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • savingholmes
    savingholmes Posts: 28,932 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Congrats on starting the next chapter. I will be following along and cheering you on!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £3K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.6K updated 6/7/25
  • KajiKita
    KajiKita Posts: 7,416 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    That’s lovely 😊❤️

    KK
    As at 15.06.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £234,698
    - OPs to mortgage = £11,338 Interest saved £5225 to date
    Fixed rate 3.85% ends January 2030

    Read 35 books of target 52 in 2025, as @ 13th July
    Produce tracker: £205 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • Watty1
    Watty1 Posts: 6,672 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    What a lovely place for a break - even  it if is cold!
    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
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