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Here’s where the story ends…

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Comments

  • Requested a refund from octopus so £111 coming my way soon. That was an easy £100+😂
    Brilliant OPs and refunds! The most I ever get is like £2 from Mr T :joy:
    Mortgage Overpayments 2024/25 - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. A-£200, S- £221.34. O-£200
    Total- £1783.67
    Goal pay off 1% of current mortgage in 1 year. £1650
    EF- £642.41/500
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Always nice to get your own £ back. Well done on the OPs. I'd feel like I'd won the lottery if I was only £40K from being mortgage free!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    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 £5K updated 10/10/25
  • skint_spice
    skint_spice Posts: 13,539 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Had a nice day out with my mse pal today, put the world to rights etc. good walk and a wee swim too.

    it was good to get a break as DM is in hospital and most of my time off has been spent running my dad up to see her. Not sure what will happen but I don’t see her getting home soon if ever. She’s not been good for about a year so not a huge surprise but still not good to see.

    Oh and I have an interview next week…
    Mortgage OP 2025 £7050/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £34,965

    Money making challenge £78/400

    ”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: 96,623 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Glad that you had a good day with el.
    Sorry to hear about your mum. 
    Good news on the interview.
    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: 8,374 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Glad the time with your friend was good - always restorative 😊
    Sorry to hear about your mum. Always a sad process, seeing someone age like that. 

    Vibes ~~~~~~~~SkintSpice~~~~~~~~ for the interview! 😊🤩👏🎉🥳😁

    KK
    As at 15.10.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
    - OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
    Fixed rate 3.85% ends October 2030

    Read 58 books of target 52 in 2025, as @ 12th October 
    Produce tracker: £426 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: 13,539 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    N@tionwide money appeared this morning so that got added to the signature and paid into the boiler fund. Octopus refund arrived but due to being spendy spice this month I have sent that to cc to try to minimise my payment next month 😫 

    Going to do some online training for work and try to earn some extra money.
    Mortgage OP 2025 £7050/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £34,965

    Money making challenge £78/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • Sorry to hear about your mum ❤️
    Love that you have a real life MSE pal! We all need one of those!
    Mortgage Overpayments 2024/25 - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. A-£200, S- £221.34. O-£200
    Total- £1783.67
    Goal pay off 1% of current mortgage in 1 year. £1650
    EF- £642.41/500
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