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I decided to pay a bit extra in OPs this month while I can, so £1500 to mortgage today and I am now in the 30s🎉🥳🎉🥳🎉Mortgage OP 2026 £640/2000Mortgage balance: £32,240
Make £50 a month Jan £20, Feb £0, March £31, Apr
Boiler fund £1981/30005 -
The glitter was taking over 😹😹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.4 -
Well done on the round ups!DON'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#latest3 -
Whoop for the OP and moving down another milestone on the mortgage!
Hope you enjoy your down time.
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.4 -
🥳 to being in the thirties!Emergency Fund goal - £1000/2000
Mortgage OP goal 2026 - £1200/£4500
Read 24 books this year 8/242 -
Been contemplating cutting hours and slowing down repayments again but I think I will do another year at current hours and see how it goes. I really want the mortgage GONE!Hoping to start actually selling on v!nted instead of buying 😂Mortgage OP 2026 £640/2000Mortgage balance: £32,240
Make £50 a month Jan £20, Feb £0, March £31, Apr
Boiler fund £1981/30003 -
Since posting this I have almost done a complete turnaround and 75% certain I am going to cut my hours.Mortgage OP 2026 £640/2000Mortgage balance: £32,240
Make £50 a month Jan £20, Feb £0, March £31, Apr
Boiler fund £1981/30004 -
Could you look at doing a side hustle of some kind, rather than more hours in your main job (which does sound tiring tbf)? That way you can still OP the mortgage but you might get a better work-life balance?
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.1 -
Well done on the overpayments! Another milestone! I also do not notice the round ups - always think it is a nice little bonus.Made it to mortgage free but what a muddle that became
In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!2 -
I will still be OPing, saving money, saving 60th holiday money and having the same spends KK so perhaps in the future but not now for a side hustle. I need more down time but there is always OT available so maybe an extra shift here and there when it suits me.
It’s great Watty, I was such a sceptic but it’s working well!Mortgage OP 2026 £640/2000Mortgage balance: £32,240
Make £50 a month Jan £20, Feb £0, March £31, Apr
Boiler fund £1981/30003
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