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Here’s where the story ends…
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woohoo 🥳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. 14 months left.2 -
Nice OP 😊 That mortgage is ticking down nicely ….
KKAs at 16.07.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £213,042
- OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 53 books of target 52 in 2026 as @ 27th July.
Produce tracker: £188 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.2 -
Not quickly enough for me, I am so impatient 😂 I swear there are at least eight weeks between paydays at the moment!😂KajiKita said:Nice OP 😊 That mortgage is ticking down nicely ….
KKMortgage OP 2026 £1860/2000Mortgage balance: £30,298
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30,
Jun £120, Jul £0, Aug
Summer challenge £120/3003 -
Yeh, time does something odd, about 1 week into the month doesn’t it …. 🤔😉skint_spice said:
Not quickly enough for me, I am so impatient 😂 I swear there are at least eight weeks between paydays at the moment!😂KajiKita said:Nice OP 😊 That mortgage is ticking down nicely ….
KK
KKAs at 16.07.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £213,042
- OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 53 books of target 52 in 2026 as @ 27th July.
Produce tracker: £188 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.3 -
Saw a job that would be perfect for me if only it was closer to home, I was going to apply but I think I will stay put until something closer comes up - it is less hours but an hour’s drive so commute cost would rocket.
It’s quite nice here today but rain is expected, probably when I am walking back from my hair appointment 😂Mortgage OP 2026 £1860/2000Mortgage balance: £30,298
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30,
Jun £120, Jul £0, Aug
Summer challenge £120/3005 -
£24 claimed from t0pc@shback today🎉 work feeling a bit rubbish at the moment so much searching of job sites…
On the upside the sewing bee is back🎉🎉🎉Mortgage OP 2026 £1860/2000Mortgage balance: £30,298
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30,
Jun £120, Jul £0, Aug
Summer challenge £120/3002 -
Hope you find something really soon.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. 14 months left.3 -
The £24 from TCB is impressive! 👏
Sorry to hear about the work situation. Good hunting …. 🤞
KKAs at 16.07.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £213,042
- OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 53 books of target 52 in 2026 as @ 27th July.
Produce tracker: £188 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.3 -
Thanks KK, it was from car insurance way back in February.
It’s much cooler here today and heavy rain forecast, must get out for a run before it starts but having quality cuddle time with the cat.
Mortgage OP 2026 £1860/2000Mortgage balance: £30,298
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30,
Jun £120, Jul £0, Aug
Summer challenge £120/3004 -
Glad you had a nice time away. Sorry work isn't the best. Hope things pick up soon.
Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £166.7K Equity 38.23% 12/7/26
2) £1.8K Net savings after CCs 14/7/26 (but owed £450) so £2.2K
3) Mortgage neutral by 06/30 (AVC £44.2K + Lump Sums DB £4.6K + (25% of SIPP 1.7K) = 50.5K of £127.5K target 39.6% July 26 (If took bigger lump sum = 72.4K or 56.8%)
4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
5) SIPP £5.7K updated 29/5/262
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