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Awwww .... bless the lil Munchkin-sweetie ....skint_spice said:Day off at last - several actually as I am not back until Sunday. Attempting a rest with a cup of tea in bed but Miss S is playing fetch so bringing her ball to me😂
You can rest some other time, says lil Miss S with an airy wave of her paw. NOW you must play with me!!
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 -
Ended up working overtime last week and taking more over the next couple of months. I have booked someone to put new fences up for me which will make my garden feel much more private and hopefully encourage me to spend more time there and pretty it up. But while I have the money in savings I want to replace it asap!
Had a lovely day with friend on sat at a talk about herbs, food for thought and a lovely way to spend some time.
I have decided I am going to split my focus between saving and OPs. The earlier I pay down the mortgage the less interest I will pay but I want things done so need to replenish savings as I go. Hopefully this will mean I don’t get too fed up on the way. I do realise I seem to change my focus monthly 😂
Pay day on Thursday and not a day too soon!Mortgage OP 2026 £640/2000Mortgage balance: £32,240
Make £50 a month Jan £20, Feb £0, March £31, Apr
Boiler fund £1981/30006 -
Just popping by to say I love your little cat , I would certainly spoil her too x2
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Thank you Newstartforme, she appreciates someone who feels the same way as she does! She is getting bigger by the day, currently chewing on a book😱 she’s quite dog like, she didn’t want her claws clipped last night but put a paw gently in my face whereas previous cat would have clawed my hand off!Newstartforme said:Just popping by to say I love your little cat , I would certainly spoil her too xMortgage OP 2026 £640/2000Mortgage balance: £32,240
Make £50 a month Jan £20, Feb £0, March £31, Apr
Boiler fund £1981/30005 -
Another £20 from 0nep0ll so that has gone to savings. Still not put any clothes up for sale but have a bit more time off next week. Took some more OT this week and have quite a few social things on so busy, busy.
Another 3 lb off so heading in the right direction.Mortgage OP 2026 £640/2000Mortgage balance: £32,240
Make £50 a month Jan £20, Feb £0, March £31, Apr
Boiler fund £1981/30007 -
£500 OPed, more OT today and tomorrow but hopefully things might settle down soon. I have been busy and sociable for the past week so hopefully a quieter one this week.Mortgage OP 2026 £640/2000Mortgage balance: £32,240
Make £50 a month Jan £20, Feb £0, March £31, Apr
Boiler fund £1981/30005 -
Just had to rejig things a bit to clear my credit card😱 must try harder to keep my spending in check! It’s a good thing I have so much overtime coming my way as there is a fair bit of spending planned - dental, cat, car service and house!Mortgage OP 2026 £640/2000Mortgage balance: £32,240
Make £50 a month Jan £20, Feb £0, March £31, Apr
Boiler fund £1981/30004 -
I am embarking on a serious decluttering mission so aiming for two items a day from the start of September to end of the year which should be 244! Needs doing so much.Mortgage OP 2026 £640/2000Mortgage balance: £32,240
Make £50 a month Jan £20, Feb £0, March £31, Apr
Boiler fund £1981/30006 -
Good luck on the decluttering. Please post often about it and it might help me get some done too!
Your kitten looks utterly gorgeous.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 16/1/263 -
I will do my best SH! We can do this!Mortgage OP 2026 £640/2000Mortgage balance: £32,240
Make £50 a month Jan £20, Feb £0, March £31, Apr
Boiler fund £1981/30002
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