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Here’s where the story ends…
Comments
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Lovely photo - thanks for sharing.
Glad you were repaid what you were owed.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £176.5K Equity 32.11%
2) £3.8K Net savings after CCs, Joinery cost & art course
3) Mortgage neutral by 06/30 (AVC £18.3K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 24/£127.5K target 18.99% updated 19/3
4) FI Age 60 income target £13.7/30K 45.7%
5) SIPP £4.4K 13/3/25
6) Home improvement in 2025 (Forecast £1.4K garage door (0% CC), £1.8K joinery (funded), £1K electric (0/1000))1 -
Gorgeous photo and I’m glad you will get a few days breathing space ❤️
KKAs at 15.03.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £239,814
- OPs to mortgage = £10,327 Interest saved £4,584 to date
Fixed rate 3.85% ends November 2029
Read 8 books of target 52 in 2025, as @ 1st March
Produce tracker: £16 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.1 -
Thank you all, you can’t beat the beach to calm you down. Finally finished for my week off🎉🎉🎉 today might have been the longest 12 hrs ever not that anything bad happened (actually it was quite a nice day) but I need a break.Mortgage End Date: Apr 36/Aiming for Apr 28/Current Aug 33
Mortgage OP 2025 £2350/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £41,396
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)1 -
Enjoy your break.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 -
Such a beautiful view !!I really do love my heated throw as wellDON'T BUY STUFF (from Frugalwoods)
No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff. Money doesn’t walk out of your wallet on its own accord.
https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest2 -
Another £500 OP today along with my regular payment.Had a lovely lunch with DS and his GF yesterday and popping in to see them later on my way back from a walk with El as I now have a grand kitten😂Mortgage End Date: Apr 36/Aiming for Apr 28/Current Aug 33
Mortgage OP 2025 £2350/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £41,396
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)2 -
And £20 claimed from 0nep0!! 🎉Mortgage End Date: Apr 36/Aiming for Apr 28/Current Aug 33
Mortgage OP 2025 £2350/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £41,396
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)1 -
Had to reread the sentence about a grand kitten!How exciting.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 -
😊👏 for the OP and 🤩❤️ for the grand-kitten 😊skint_spice said:Another £500 OP today along with my regular payment.Had a lovely lunch with DS and his GF yesterday and popping in to see them later on my way back from a walk with El as I now have a grand kitten😂
KKAs at 15.03.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £239,814
- OPs to mortgage = £10,327 Interest saved £4,584 to date
Fixed rate 3.85% ends November 2029
Read 8 books of target 52 in 2025, as @ 1st March
Produce tracker: £16 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 -
Thank you both, I am not long home and went out about ten this morning! The sofa is my friend 💗
Grandcat is gorgeousMortgage End Date: Apr 36/Aiming for Apr 28/Current Aug 33
Mortgage OP 2025 £2350/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £41,396
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)1
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