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Here’s where the story ends…
Comments
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Oh that is a good idea, thank you! It will be good to look back at eventually.LadyWithAPlan said:Loving the house grid ... You need to also do a celebratory dance when you get to colour a square in - its the rule
I also write the date in the box so I can see when I coloured it in so you can track your progressMortgage OP 2025 £6750/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £35,463
Declutter 16/244
Money making challenge £58/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)3 -
I love the house grid.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 £4.8K updated 13/9/252 -
Went for a walk today and the weather was gorgeous, then came home and sat in the garden with the cat and a book. Must not spend money unnecessarily so I can spend my summers this way…Mortgage OP 2025 £6750/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £35,463
Declutter 16/244
Money making challenge £58/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)11 -
That is just stunning.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.3 -
Beautiful. Thanks for sharingAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 £4.8K updated 13/9/253 -
Just spotted your new dairy and wanted to wish you luck, love the photos! 😊MFW 67 - Finally mortgage free! 💙😁2
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Oh wow that's beautiful! Is that close to where you live? How wonderful....I wish I were closer to the sea, it's a pretty long drive from ours so I rarely go.skint_spice said:Went for a walk today and the weather was gorgeous, then came home and sat in the garden with the cat and a book. Must not spend money unnecessarily so I can spend my summers this way…MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. A-£200, S- £200.
Total- £1562.23
Goal pay off 1% of current mortgage in 1 year. £1650
EF- first goal £300
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Lovely pic, great incentive for money saving as you say 🌞🌊🏖3
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I can walk to the beach from mine, it’s about a mile and a half but this is a wee bit further away - about 30 minutes drive to a gorgeous country park and beach.debtfreewannabe321 said:
Oh wow that's beautiful! Is that close to where you live? How wonderful....I wish I were closer to the sea, it's a pretty long drive from ours so I rarely go.skint_spice said:Went for a walk today and the weather was gorgeous, then came home and sat in the garden with the cat and a book. Must not spend money unnecessarily so I can spend my summers this way…Mortgage OP 2025 £6750/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £35,463
Declutter 16/244
Money making challenge £58/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)3 -
I went for a run this morning and it was blowing a gale - my fault for bringing the garden furniture out of the hut yesterday 😂 then I had to wait in for a delivery. Off to see a film this evening with a friend at film club so I seem to have managed a NSD by accident! I really needed to go to the supermarket but never mind…Mortgage OP 2025 £6750/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £35,463
Declutter 16/244
Money making challenge £58/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)4
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