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Brilliant OPs and refunds! The most I ever get is like £2 from Mr Tskint_spice said:Requested a refund from octopus so £111 coming my way soon. That was an easy £100+😂
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
3 -
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 £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 will still be £49k when I break it but it is great every time I get down another 5k in my opinion anyway 😂 one day you will be MF SH, just imagine…savingholmes said: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!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 -
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 £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)3 -
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.4 -
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! 😊🤩👏🎉🥳😁
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,148 Interest saved £5,738 to date
Fixed rate 3.85% ends October 2030
Read 48 books of target 52 in 2025, as @ 31st August
Produce tracker: £353 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.4 -
Another £7 claimed from survey site, many a mickle…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)6 -
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 £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)3 -
Sorry to hear about your mum ❤️
Love that you have a real life MSE pal! We all need one of those!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
4 -
It’s good to have someone to share the MSE trivia with, who gets it😂 I have told folk in the past I am overpaying my mortgage and got told life is too short. So keeping quiet about it mostly, one of my friends knows but I think she would be surprised how much I am OPing.debtfreewannabe321 said:Sorry to hear about your mum ❤️
Love that you have a realtor life MSE pal! We all need one of those!
Just made another OP of £50 so I think that will be me in the forties next month🎉🎉🎉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)6
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