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Here’s where the story ends…
Comments
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Apparently the tax thing is sorted - roll on January pay.
Working today but on a break at the moment, I was going to go to the gym but I am shattered so chilling with the cat. Just did a big pr0l!fic survey which paid out quickly so just cashed out £11.50🥳Mortgage End Date: Apr 36/Aiming for Apr 28/Current Oct 33
Mortgage OP 2025 £1850/10000Mortgage OP 2024 £7700/7000
Mortgage balance: £42,232
39 pay days until freedom!
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)4 -
Oh well done on the tax! What a relief … 🤩❤️
And well done on the survey - very satisfying 😊
KKAs at 15.01.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £244,153
- OPs to mortgage = £9,694 Interest saved £4,182 to date
Fixed rate 3.85% ends November 2029
Read 4 books of target 52 in 2025, as @ 7th February
Produce tracker: £11 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.3 -
So £11.50 up and I have now bought a bed for the spare room and booked a break with a friend 😂 so frugal…Mortgage End Date: Apr 36/Aiming for Apr 28/Current Oct 33
Mortgage OP 2025 £1850/10000Mortgage OP 2024 £7700/7000
Mortgage balance: £42,232
39 pay days until freedom!
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)2 -
Yah for a break with a friend.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.2 -
Indeed Beanie! And the bed isn’t really frivolous, there’s no point having a spare room no one can use😂beanielou said:Yah for a break with a friend.Mortgage End Date: Apr 36/Aiming for Apr 28/Current Oct 33
Mortgage OP 2025 £1850/10000Mortgage OP 2024 £7700/7000
Mortgage balance: £42,232
39 pay days until freedom!
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)2 -
I think having a bed in there is very useful. Well done. I had a similar battle with spending on a new bed here.
Happy 2025!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K with 227 payments to go - now £177.5K Equity 29%
2) CC1 £12465 (0% expires Aug 26), CC2 £9208 (0% expires Aug 25) & CC3 £240 (0% exp Mar 25)
3) CC debt offset by £26.1K savings & £5.1K investments
3) Mortgage neutral by 06/30 (AVC £17.7K + Lump Sums DB £4.6K + (25% of SIPP 1.18K) = 23.48/£127.5K target 18.4% value 17/1/25
4) FI Age 60 income target £13.7/30K 45.7%
5) SIPP £4.7K 17/1/25
6) Set up new income streams: Start up costs £2601 -
What a miserable day! It’s not so cold this year but even more windy than usual.I need to have a big tidy up today but fit now reading a book on the sofa is much more appealing.Mortgage End Date: Apr 36/Aiming for Apr 28/Current Oct 33
Mortgage OP 2025 £1850/10000Mortgage OP 2024 £7700/7000
Mortgage balance: £42,232
39 pay days until freedom!
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)3 -
I have decided I want to be sub 30k by the end of next year. As well as my planned overpayments of £750 per month I will need to find an extra £1500 from somewhere - no problem 😂 I will get as close as I can though!Mortgage End Date: Apr 36/Aiming for Apr 28/Current Oct 33
Mortgage OP 2025 £1850/10000Mortgage OP 2024 £7700/7000
Mortgage balance: £42,232
39 pay days until freedom!
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)5 -
A bold goal! All power to you! 😊👏❤️🤩
KkAs at 15.01.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £244,153
- OPs to mortgage = £9,694 Interest saved £4,182 to date
Fixed rate 3.85% ends November 2029
Read 4 books of target 52 in 2025, as @ 7th February
Produce tracker: £11 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.3 -
My theory is that if I aim and fail I will still do better than just I would just pootling along😂KajiKita said:A bold goal! All power to you! 😊👏❤️🤩
KkMortgage End Date: Apr 36/Aiming for Apr 28/Current Oct 33
Mortgage OP 2025 £1850/10000Mortgage OP 2024 £7700/7000
Mortgage balance: £42,232
39 pay days until freedom!
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)4
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