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Here’s where the story ends…
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You can see one them in this photo SH, I don’t think I heard them just the gulls😂
Mortgage OP 2025 £6750/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £35,463
Declutter 12/244
Money making challenge £58/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)2 -
Lovely photo again.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
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 £4.8K updated 29/7/252 -
How lovely, I think I want to come and live where you live 😊MFW 67 - Finally mortgage free! 💙😁3
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Come up, the more the merrier NG, we can go pj shopping together as I love pjs too😂
I had a lovely day at work yesterday not so much today and I have hurt my knee😫
many how hopefully it will be better tomorrow as I haven’t run since Thursday and I miss it. The running didn’t do it, it was more the 18k steps at work and 32 floors climbed yesterday.
Beautiful sunset this evening so hope tomorrow is less rainy than today. Feeling very skint so roll on payday!
Mortgage OP 2025 £6750/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £35,463
Declutter 12/244
Money making challenge £58/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)5 -
Just been out for a run, gorgeous day today so I have lots and lots of washing on the line too! I got sucked into a tv show this morning and lost about 3 hours to the sofa🙄 still two episodes to watch but that will probably be this evening as I NEED to know what happens 😂 ( Showtrial on iPlayer).
Payday tomorrow and need to pay lots of bills in May so OP will be less which sucks but I am still able to OP so I need to accept that’s a good position to be in and quit moaning.
Mortgage OP 2025 £6750/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £35,463
Declutter 12/244
Money making challenge £58/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)5 -
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. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. A-£200, S- £200.
Total- £1562.23
Goal pay off 1% of current mortgage in 1 year. £1650
EF- first goal £300
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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 £6750/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £35,463
Declutter 12/244
Money making challenge £58/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)1 -
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 £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
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 £4.8K updated 29/7/252 -
It is a very physically demanding job SH as well as emotionally exhausting at times. It can also be very rewarding and fun but today wasn’t one of those days. It was however payday! So bank accounts are all looking much healthier today with nothing due out until next week.
I finally got the details to make adhoc payments to my mortgage as I usually just make OPs with my mortgage payment. I tested this at the weekend with a whole £1 and it finally hit the account today, hopefully I might manage to make a few extra payments this way.
One more day to go then three off🎉Mortgage OP 2025 £6750/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £35,463
Declutter 12/244
Money making challenge £58/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)5 -
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.3
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