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Here’s where the story ends…

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  • beanielou
    beanielou Posts: 95,434 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    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*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • KajiKita
    KajiKita Posts: 7,542 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
     Nice OP 😊 That mortgage is ticking down nicely ….

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,338 Interest saved £5225 to date
    Fixed rate 3.85% ends January 2030

    Read 37 books of target 52 in 2025, as @ 23rd July
    Produce tracker: £223 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: 13,395 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    KajiKita said:
     Nice OP 😊 That mortgage is ticking down nicely ….

    KK
    Not quickly enough for me, I am so impatient 😂 I swear there are at least eight weeks between paydays at the moment!😂
    Mortgage OP 2025 £6000/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,680

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • KajiKita
    KajiKita Posts: 7,542 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    KajiKita said:
     Nice OP 😊 That mortgage is ticking down nicely ….

    KK
    Not quickly enough for me, I am so impatient 😂 I swear there are at least eight weeks between paydays at the moment!😂
    Yeh, time does something odd, about 1 week into the month doesn’t it …. 🤔😉

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,338 Interest saved £5225 to date
    Fixed rate 3.85% ends January 2030

    Read 37 books of target 52 in 2025, as @ 23rd July
    Produce tracker: £223 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: 13,395 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    £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 2025 £6000/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,680

    ”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: 95,434 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    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*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • KajiKita
    KajiKita Posts: 7,542 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    The £24 from TCB is impressive! 👏
    Sorry to hear about the work situation. Good hunting …. 🤞

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,338 Interest saved £5225 to date
    Fixed rate 3.85% ends January 2030

    Read 37 books of target 52 in 2025, as @ 23rd July
    Produce tracker: £223 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: 13,395 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 2025 £6000/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,680

    ”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: 28,953 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 £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
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