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Here’s where the story ends…
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Signature updated although it won’t actually come off until tomorrow.A whole new year full of possibilities, hope it’s a good one for everyone 🎉🥳🎉Mortgage OP 2025 £7550/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,196
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)1 -
Hope it’s good for you too xI 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 -
I hear you on this. I want to get my mortgage OP goals and the breakdown of where they will all come from on my noticeboard in my office so I can track them … 😊skint_spice said:
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! 😊👏❤️🤩
Kk
KKAs 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 64 books of target 52 in 2025, as @ 11th November
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.2 -
Well here’s a situation I thought I would never be in… just had to check my mortgage terms as I can only OP around another £4500 in current period - I wasn’t sure if that meant when deal ends in Aug or end of April when it’s my mortgage anniversary luckily it’s annually! I was worried I would have to stash it elsewhere which would mean the interest wasn’t going down so quickly (I know I would have got interest on it elsewhere but it’s a psychological boost😂).Mortgage OP 2025 £7550/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,196
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)4 -
I just saw my pr0l!fic summary and I have made £118 since July - not too shabby!
I am aiming not to buy any clothes in 2025 so let’s see how that goes 😂
Mortgage OP 2025 £7550/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,196
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)3 -
Woo can't wait to see you paying down the mortgage by that amount! I saw my pr0l1fic summary and i'd made £450 since Jan 😯
Glad you got your pay sorted. I'm still owed emergency tax from the job I quit in September. Hopefully it sorts itself out end of tax year, everyone I speak to tells me it will automatically be refunded....! New job has got the tax code right from the off so I don't know why some payroll can and some can't. So annoying eh!2 -
Also planning on no clothes or shoes in 2025!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 -
We can do this Beanie! Also planning on getting rid of a lot so I can see what I have better. Not sure if I can be bothered selling it though so might CS.beanielou said:Also planning on no clothes or shoes in 2025!
and in the spirit of full disclosure I must confess I ordered a few things before the end of December so half arrived yesterday and a few more still to come - all Vinted so nothing too spendy😂Mortgage OP 2025 £7550/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,196
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)2 -
I hope I manage to overpay that much but I will give it a good attempt any rate!debtfreewannabe321 said:Woo can't wait to see you paying down the mortgage by that amount! I saw my pr0l1fic summary and i'd made £450 since Jan 😯
Glad you got your pay sorted. I'm still owed emergency tax from the job I quit in September. Hopefully it sorts itself out end of tax year, everyone I speak to tells me it will automatically be refunded....! New job has got the tax code right from the off so I don't know why some payroll can and some can't. So annoying eh!
Well done on prolific! I need to go on more regularly and perhaps on laptop as lots or not for phones.
I hope you get a nice bonus at the end of the year from the tax office🙏Mortgage OP 2025 £7550/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,196
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)1 -
Hope your tax is sorted soon. Good luck with the continuing OPs.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.3K Equity 36.55%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
(If took bigger lump sum = 62K or 48.6%)
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 £5.1K updated 14/11/251
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