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Omg at the Kitty 😍❤️ what a handsome boy!
I think life is for living too so good on you for booking some mini hols! I would love to go to Italy! It's on my bucket list.Emergency Fund goal - £1000/2000
Mortgage OP goal 2026 - £1200/£4500
Read 24 books this year 8/242 -
Thank you both, it’s nice having some breaks to look forward to. I’ve been to Italy lots but excited to go somewhere different this time and if I bump into my favourite detective even better 😂In other news it’s getting so much lighter here in the mornings, hopefully now if it’s dry I can head to the beach for a walk on my early starts - there’s always a break between first and second location.Mortgage OP 2026 £640/2000Mortgage balance: £32,222
Make £50 a month Jan £20, Feb £0, March £31, Apr
Boiler fund £1981/30003 -
That sounds very therapeutic.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 -
ooh Italy, sounds bliss!Mortgage at largest £280050 with MF date 2038 - currently £152700 #40 2026 challenge £600/£3500 paid2
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Well there has been lots of walking this week but not much today😂 I am shattered!
Payday shuffle today and signature updated accordingly.Today was a long lunch with old colleagues, nice to catch up but draining - I am such a party animal!Mortgage OP 2026 £640/2000Mortgage balance: £32,222
Make £50 a month Jan £20, Feb £0, March £31, Apr
Boiler fund £1981/30003 -
Plodding on, tired but one more shift then I am off for a week. Heading up north for a couple of days and I have things planned for April and May. Did speak to boss about dropping hours but I think we are going to attempt to condense them into fewer days instead, unfortunately this won’t start until jun/July.
Took DF out for lunch today then up to see DM just chilling now before an early start tomorrow.
Mortgage OP 2026 £640/2000Mortgage balance: £32,222
Make £50 a month Jan £20, Feb £0, March £31, Apr
Boiler fund £1981/30005 -
Condensing hours sounds a good option.
Well done on all the walking. Enjoy your break.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 -
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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.2 -
Nice wee break, lovely weather and didn’t spend too much until I decided to stop at a nice soap place on the way home - oops!
Lots of walking when away so a night on the sofa seems like bliss…Mortgage OP 2026 £640/2000Mortgage balance: £32,222
Make £50 a month Jan £20, Feb £0, March £31, Apr
Boiler fund £1981/30008 -
Wow, what an amazing rock formation! 🤩
And the sun is shining on you 🌞😊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
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