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That’s great.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. 19months left.3 -
It is until I have to pay it back😂beanielou said:That’s great.Mortgage OP 2026 £640/2000Mortgage balance: £32,222
Make £50 a month Jan £20, Feb £0, March £31, Apr
Boiler fund £1981/30002 -
Well main pay is in so I OPed £750, this makes my end date another couple of months closer, so I’m happy with that.
Off to get my nails done this morning then hopefully I’ll get a run later (off today). Need to get started on the decluttering that I keep putting off.
Also I need to pick up meds from the vet, putting it here to remind me.Mortgage OP 2026 £640/2000Mortgage balance: £32,222
Make £50 a month Jan £20, Feb £0, March £31, Apr
Boiler fund £1981/30005 -
Excellent OP and another month off the end date!! 🥳👏🎉🤩😊
KKAs at 17.03.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £219,071
- OPs to mortgage = £17,793 Estd. interest saved = £9,021 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 25 books of target 52 in 2026 as @ 5th April.
Produce tracker: £73 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 -
Not much to report, mainly working not much happening on the money front.
DS has moved out so I have applied for single person discount and hopefully the fuel bills will go down a bit although he popped in the other night and had a shower while he was here😂
Went to an outdoor pool yesterday with a friend - we are having summer here this weekend - it was lovely and went out for lunch too.This morning I have been for a run and found it hard going in the heat😅 decided to run through the town towards the end as I reckoned it was early enough that nothing would be open and saw my ex sitting outside having a coffee 😱 hopefully he didn’t see me as I was bright red and sweaty! I don’t want him back but I don’t want him to think “thank goodness I escaped that” either😂 Anyhow, two loads of washing out and hopefully a chilled day today.Mortgage OP 2026 £640/2000Mortgage balance: £32,222
Make £50 a month Jan £20, Feb £0, March £31, Apr
Boiler fund £1981/30005 -
Glad someone has some summer somewhere as it seems to have gone straight into autumn here with a 3 day haar and more rain. Eek to spotting the ex when perspiring
3 -
I am delighted to report that after months of procrastination I finally sorted out my bedroom and got rid of five bags of clothes, I am embarrassed to say that despite spilling into DS’s old room I still have a lot of clothes 🤦♀️
I am now in a two items out to one in regime!
I meant to say one of my highlights yesterday was driving along the coast and spotting a seal sunbathing on a rock with a cormorant standing at the other end - it looked like they were having a chat. Also I saw a bat when I was trying to coax the cat in last night😂Mortgage OP 2026 £640/2000Mortgage balance: £32,222
Make £50 a month Jan £20, Feb £0, March £31, Apr
Boiler fund £1981/30004 -
Well done 🤩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. 19months left.3 -
And today my interest is £5.91 a day which is way better than the £6.98 it jumped to in July last year🎉🎉🎉
This evening I completed another two weeks of expenses claims so nearly up to date😅
I am stunned at how much better my tidy bedroom is making me feel, must maintain it!Mortgage OP 2026 £640/2000Mortgage balance: £32,222
Make £50 a month Jan £20, Feb £0, March £31, Apr
Boiler fund £1981/30005 -
Huge well done on the decluttering.
Love all your nature views too. Well done on the exercise.
Congrats on the OP.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £3K Net savings after CCs March 26 (but owed £1.1K) so £4.1K
3) Mortgage neutral by 06/30 (AVC £36.2K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 42.1£127.5K target 33% 27/2/26 (If took bigger lump sum = 64K or 50.1%)
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 £5.2K updated 16/1/263
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