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Here’s where the story ends…
Comments
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Have fun on your day off.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K with 227 payments to go - now £177.5K Equity 29%
2) CC1 £12465 (0% expires Aug 26), CC2 £9208 (0% expires Aug 25) & CC3 £240 (0% exp Mar 25)
3) CC debt offset by £26.1K savings & £5.1K investments
3) Mortgage neutral by 06/30 (AVC £17.7K + Lump Sums DB £4.6K + (25% of SIPP 1.18K) = 23.48/£127.5K target 18.4% value 17/1/25
4) FI Age 60 income target £13.7/30K 45.7%
5) SIPP £4.7K 17/1/25
6) Set up new income streams: Start up costs £2601 -
Glad the freezer,icky dip was a win! 😊🥳 (I use masking tape and biro.)
Enjoy your time off 😊KKAs at 15.0125:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £244,153
- OPs to mortgage = £7,443 , Interest saved £2,775 to date
Fixed rate 3.85% ends November 2029
Read 2 books of target 52 in 2025, as @ 18th January
Produce tracker: £0 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.2 -
I like living on the edge😂KajiKita said:Glad the freezer,icky dip was a win! 😊🥳 (I use masking tape and biro.)
Enjoy your time off 😊KKI had a great catchup - lunch, art gallery then a museum with coffee and cake and amazingly we missed the showers. Came home to a late but lovely birthday present from a friend who was down this way for the first time in months, shame I missed her…
Also got my pension payslip through which advised that I have an increase from this month 🎉Mortgage End Date: Apr 36/Aiming for Apr 28/Current Jan 34
Mortgage OP 2025 £700/10000Mortgage OP 2024 £7700/7000
Mortgage balance: £43,713
40 pay days until freedom!
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)3 -
Woohoo on the pension.
Glad you had a lovely day out and escaped the worst of the weather.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K with 227 payments to go - now £177.5K Equity 29%
2) CC1 £12465 (0% expires Aug 26), CC2 £9208 (0% expires Aug 25) & CC3 £240 (0% exp Mar 25)
3) CC debt offset by £26.1K savings & £5.1K investments
3) Mortgage neutral by 06/30 (AVC £17.7K + Lump Sums DB £4.6K + (25% of SIPP 1.18K) = 23.48/£127.5K target 18.4% value 17/1/25
4) FI Age 60 income target £13.7/30K 45.7%
5) SIPP £4.7K 17/1/25
6) Set up new income streams: Start up costs £2603 -
Glad that you had a good day & good news on pension increase.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.3 -
Took cat to vets this morning and went for a run. Got soaked on the return lap😱 look at those clouds, my app told me it was 6C but would feel like 0C, very true! Came home to a shower and breakfast and just waiting to hear when to pick her ladyship up so tea and Greys Anatomy for me.
I had been hoping to cut the grass today but it will have to wait till later in the week.Mortgage End Date: Apr 36/Aiming for Apr 28/Current Jan 34
Mortgage OP 2025 £700/10000Mortgage OP 2024 £7700/7000
Mortgage balance: £43,713
40 pay days until freedom!
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)6 -
We've had a storm all morning here! So cold, wet and windy! Great picture there though
MORTGAGE BALANCE January 1st £118,267.06
Savings:-
EF:- £1613.43/3000
MOP:- £233.73/ 1000 (before August '25)
SnowBallFund:- £400/936.30(before March '25)
Debts 2025:-
Car- 0/12386
Carpet -563.70/1500
2 -
Hope Her Ladyship is ok.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.2 -
Thanks Beanie, it’s her usual issue but she was there recently so I am worried she is getting worse.beanielou said:Hope Her Ladyship is ok.Mortgage End Date: Apr 36/Aiming for Apr 28/Current Jan 34
Mortgage OP 2025 £700/10000Mortgage OP 2024 £7700/7000
Mortgage balance: £43,713
40 pay days until freedom!
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)2 -
I really hope not. 😿skint_spice said:
Thanks Beanie, it’s her usual issue but she was there recently so I am worried she is getting worse.beanielou said:Hope Her Ladyship is ok.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.4
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