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Here’s where the story ends…

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  • skint_spice
    skint_spice Posts: 13,372 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    You can see one them in this photo SH, I don’t think I heard them just the gulls😂
    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)
  • savingholmes
    savingholmes Posts: 28,932 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Lovely photo again.
    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
  • newgirly
    newgirly Posts: 9,322 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    How lovely, I think I want to come and live where you live 😊
    MFW 67 - Finally mortgage free! 💙😁
  • Loving all the pictures 😍 
    Pay day for us too tomorrow... I'm waiting impatiently 😁
    I used to do a lot of steps in my old job 20 thousand sometimes in two hours carrying all sorts up and down flights of stairs. My knees and legs and feet suffered ...I got a nice balm from a maz on with arnica in that helped soothe them though...hope yours are feeling better soon! Sometimes a day on the couch is good for us 😁

    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!


    Mortgage Overpayments - September-December, £152.46. Jan £103.27, Feb £115, March £91.50, April £100, May £200, June £200. July £200.
    Total- £1162.23
    Goal to pay off 1% of current mortgage in one year. £1200. (96.83% there)

  • skint_spice
    skint_spice Posts: 13,372 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks dfw321, the stairs are exhausting 😂 being of a certain age I quite often get to the bottom and realise I forgot to pick up the thing I went up for in the first place😂. My knee seems fine now although I didn’t get the chance to rest it, more work walks due to nice weather.  
    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)
  • savingholmes
    savingholmes Posts: 28,932 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Lovely photo. Well done on the exercise. Sounds like your job keeps you fit.
    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
  • beanielou
    beanielou Posts: 95,330 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    That's how I make the wee OP's to the loan.
    Woohoo to 3 days off. Enjoy.
    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.
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