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Here’s where the story ends…

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Comments

  • skint_spice
    skint_spice Posts: 13,165 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Ahhh lovely dfw321, gorgeous colours. 
    Mortgage End Date: Apr 36/Aiming for Apr 28/Current Oct 33

    Mortgage OP 2025 £1850/10000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £42,232

    39 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)
  • beanielou
    beanielou Posts: 93,975 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    That’s lovely dfw321. 
    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: 28,700 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Loving all the tulip talk and the photo. Massive fan of tulips here too.
    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 £260
  • KajiKita
    KajiKita Posts: 6,227 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Oh those are lovely 🤩❤️

    KK
    As at 15.01.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £244,153
    - OPs to mortgage = £9,694 Interest saved £4,182 to date
    Fixed rate 3.85% ends November 2029

    Read 4 books of target 52 in 2025, as @ 7th February
    Produce tracker: £11 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. 
  • skint_spice
    skint_spice Posts: 13,165 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    That sounds lovely Watty, I love purples I find it very soothing.

    Oh and the bulbs my friendly squirrel stole from next door and planted in my garden didn’t come to much just a couple of leaves, perhaps if I plant them deeper😂 next door neighbour has some beautiful tulips that are delicate pink and white two tone, I might get some of those for next year.
    Mortgage End Date: Apr 36/Aiming for Apr 28/Current Oct 33

    Mortgage OP 2025 £1850/10000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £42,232

    39 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)
  • savingholmes
    savingholmes Posts: 28,700 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Watty - you may find some garden centres have flowering tulips on clearance - I got loads half price last weekend.
    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 £260
  • skint_spice
    skint_spice Posts: 13,165 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Finally caught up with the washing and ironing today. All housework done and feeling a bit more organised.  
    This afternoon I went for a walk at a nearby town and went to the harbour to watch some seals for a while, very relaxing. It’s been a mainly dry and sunny day for once.
    Mortgage End Date: Apr 36/Aiming for Apr 28/Current Oct 33

    Mortgage OP 2025 £1850/10000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £42,232

    39 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)
  • savingholmes
    savingholmes Posts: 28,700 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the housework.

    How lovely to see seals in the wild. Were they noisy or too far away?
    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 £260
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