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Comments
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Glad you are finally getting your money back. Another one hoping you got through the storm okay.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 24 books of target 52 in 2026 as @ 4th April.
Produce tracker: £59 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 -
Aw I'm so sorry about your cat ❤️🩹
I hope you had no storm damage! We were only in a yellow area and have lost the roof off the summer house and a beautiful archway filled with clematis.
Emergency Fund goal - £1000/2000
Mortgage OP goal 2026 - £1200/£4500
Read 24 books this year 7/242 -
Thank you all. Luckily no storm damage personally but there are trees down everywhere and driving is still a bit scary.
Finally feeling a little better so I went for a swim today during a break, glad to get back.
Being that I am feeling a bit flush I treated myself to a heated throw so I am snuggled up in that this evening. Hibernating would be nice…
Mortgage OP 2026 £640/2000Mortgage balance: £32,240
Make £50 a month Jan £20, Feb £0, March £31, Apr
Boiler fund £1981/30003 -
Payday! £650 across to mortgage and date has come forward a couple of months, there’s an extra £500 overpayment to be taken with my mortgage payment at the beginning of February.
Only aiming to claw back another 5.5 years😂Mortgage OP 2026 £640/2000Mortgage balance: £32,240
Make £50 a month Jan £20, Feb £0, March £31, Apr
Boiler fund £1981/30003 -
You can do it. 🤩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.2 -
Fingers crossed and purse closed! (And all browsers!)beanielou said:You can do it. 🤩Mortgage OP 2026 £640/2000Mortgage balance: £32,240
Make £50 a month Jan £20, Feb £0, March £31, Apr
Boiler fund £1981/30002 -
Sorry about your cat.
So glad that your money got sorted. Well done on the OPs.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 a problem with my expenses paid last week and meant to email but noticed last night that I had been paid another £45something so glad they realised!I have had a rough few days with one particular person at work but trying not to focus on that, have also spoken to my boss but glad I don’t have to deal with them again for a couple of weeks. I am off today and so glad of a rest! I did have a text asking if I could cover a shift (just a little 12 hours 🙄) but I am shattered and want to see my folks.
I did get out for a walk in a break yesterday and had a lovely two miles at the beach. Today the sun is shining, I am less wheezy and there is money in the bank so all good!
Mortgage OP 2026 £640/2000Mortgage balance: £32,240
Make £50 a month Jan £20, Feb £0, March £31, Apr
Boiler fund £1981/30006 -
Stunning view.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.1 -
Gorgeous view xI've been mortgage free once, so let's do it again!
Starting balance March 26 £191,274.532
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