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Comments

  • skint_spice
    skint_spice Posts: 13,728 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 3 April at 9:29PM
    https://forums.moneysavingexpert.com/discussion/comment/81949281#Comment_81949281

    It’s just a local park with a walled garden, council tax is worth it at times😂

    Mortgage OP 2026 £640/2000
    Mortgage balance: £32,222

    Make £50 a month Jan £20, Feb £0, March £31, Apr
    Boiler fund £1981/3000

  • skint_spice
    skint_spice Posts: 13,728 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    Day off and the sun is shining so bedding is in the machine and will be out drying in the sunshine shortly.

    I seem to have overspent a little in the food budget this month so will be delving into the freezer trying to claw it back.

    I have a gym class later on but today will be mostly housework and gardening and keeping Miss S company.

    I finished at 8pm last night and it was still light when I went home, it really lifts my mood. I had to pop to the shops on the way home and had a lovely glimpse of the sunset over Arran - gorgeous!

    Mortgage OP 2026 £640/2000
    Mortgage balance: £32,222

    Make £50 a month Jan £20, Feb £0, March £31, Apr
    Boiler fund £1981/3000

  • savingholmes
    savingholmes Posts: 29,152 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    Just caught up.

    Sorry things are tough with your Mum. Good you have the support of your DS.

    Thanks for the photos - always interesting seeing other places.

    Sorry the tax man is wanting a bigger cut of your £.

    Well done on the OPs.

    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
    2) £3K Net savings after CCs March 26 (but owed £1.1K) so £4.1K
    3) Mortgage neutral by 06/30 (AVC £36.2K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 42.1£127.5K target 33% 27/2/26 (If took bigger lump sum = 64K or 50.1%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £5.2K updated 16/1/26
  • skint_spice
    skint_spice Posts: 13,728 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    Thanks SH, I hope all is well with you and you have another Italian adventure planned. I haven’t booked anything yet but I am thinking June is calling me!

    Mortgage OP 2026 £640/2000
    Mortgage balance: £32,222

    Make £50 a month Jan £20, Feb £0, March £31, Apr
    Boiler fund £1981/3000

  • skint_spice
    skint_spice Posts: 13,728 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    Well I did the housework and the gym but I must confess my garden time was spent reading in the sunshine!
    The money invested in the fencing toward the end of last year was so worth it as I was never comfortable sitting in the garden before as I felt so overlooked.

    It was warm today! Many confused people around as we had sleet and hail at the weekend.

    Mortgage OP 2026 £640/2000
    Mortgage balance: £32,222

    Make £50 a month Jan £20, Feb £0, March £31, Apr
    Boiler fund £1981/3000

  • KajiKita
    KajiKita Posts: 9,908 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic

    Time spent reading in the sunshine is never wasted … 😉

    Glad the fence makes you feel more comfortable 😊

    KK

    As at 17.03.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £219,071
    - OPs to mortgage = £17,793 Estd. interest saved = £9,021 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 25 books of target 52 in 2026 as @ 5th April. 
    Produce tracker: £73 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. 
  • debtfreewannabe321
    debtfreewannabe321 Posts: 10,613 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    Time spent reading in the sunshine is never wasted … 😉

    I agree!

    And we had confusing weather here too. One minute was lovely t shirt weather the next week had hail stones and then gale force winds 🤔 finished with overnight downpour where I thought we should have perhaps invested in an Ark not a house.

    Emergency Fund goal - £1000/2000
    Mortgage OP goal 2026 - £1200/£4500 
    Read 24 books this year 8/24

  • skint_spice
    skint_spice Posts: 13,728 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    We are back with wind and rain today!

    Today is five years to the day I moved here and I have paid 54% of the mortgage so far although it was a 15 year term so I’m pretty happy about that.

    Delivery today so Miss S was happy!

    IMG_1463.jpeg
    Mortgage OP 2026 £640/2000
    Mortgage balance: £32,222

    Make £50 a month Jan £20, Feb £0, March £31, Apr
    Boiler fund £1981/3000

  • beanielou
    beanielou Posts: 99,147 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!

    Five years already! Half the mortgage paid off already is amazing. Be proud of yourself.

    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*** in ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger.
    One debt remaining. Home improvement loan. 19months left.
  • skint_spice
    skint_spice Posts: 13,728 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    Thanks Beanie, it’s flown in!

    Mortgage OP 2026 £640/2000
    Mortgage balance: £32,222

    Make £50 a month Jan £20, Feb £0, March £31, Apr
    Boiler fund £1981/3000

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