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Happy St Andrew’s Day. Alex Salmond’s memorial. Janey’s Godleys funeral. The great & good will be out. I on the other hand am in bed desperately wanting lucazade.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.4 -
That’s not so good Beanie, hope it passes soon.Mortgage OP 2026 £640/2000Mortgage balance: £32,222
Make £50 a month Jan £20, Feb £0, March £31, Apr
Boiler fund £1981/30001 -
Hope you are having a good break - and have some lovely, fun things planned for the upcoming week.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 16/1/261 -
Thanks SH, I had lunch and a catch up with a couple of friends today and have a couple more things planned for later in the week.
My phone made one of those review things today which made me think about plans for next year. I think financially I would love to be under 30k which is pushing it a bit but hopefully doable.Mortgage OP 2026 £640/2000Mortgage balance: £32,222
Make £50 a month Jan £20, Feb £0, March £31, Apr
Boiler fund £1981/30001 -
Scores on the doors! (So I can look back each year…)This year I have paid an extra £7700 towards my mortgage and shaved off 2 years and 1 month. I’m pleased with that. Current mortgage owing is £44,740.Mortgage OP 2026 £640/2000Mortgage balance: £32,222
Make £50 a month Jan £20, Feb £0, March £31, Apr
Boiler fund £1981/30007 -
That's fantastic progress! Your mortgage is erring towards more of a loan amount at this point than a mortgage amount. That's the sort of figures I'd be really happy to get to because it feels like there is an end in sight 🤣😃Emergency Fund goal - £1000/2000
Mortgage OP goal 2026 - £1200/£4500
Read 24 books this year 8/243 -
You are bombing down through the milestones! 😊👏🤩
When are you hoping to have cleared it all? I have two years in my head - is that about right?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.2 -
If only KK, three and a half years I think 😂 I have to remortgage next August though so who knows what the rates will be like!
Just requested payout on 0nep0ll so fingers crossed it won’t be too long for that. Off to the gym…Mortgage OP 2026 £640/2000Mortgage balance: £32,222
Make £50 a month Jan £20, Feb £0, March £31, Apr
Boiler fund £1981/30002 -
Well done on the OPs, thats great progress. I last cashed out on 1poll just after they lowered the points needed to 2000 and payout was much quicker than usual so fingers crossed thats the norm nowl 🤞🏼3
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Pleased to hear it’s quicker teapot, they usually take an age!Mortgage OP 2026 £640/2000Mortgage balance: £32,222
Make £50 a month Jan £20, Feb £0, March £31, Apr
Boiler fund £1981/30003
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