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Retirement planning post mortgage free

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Comments

  • V3cash
    V3cash Posts: 458 Forumite
    Ninth Anniversary 100 Posts Mortgage-free Glee! Name Dropper
    image.jpg

    post tidy , but i could do with some hooks for bags and maybe shoe shelf??

    MFW December 2026

    Initial mtg £100,000 Jan 2021
    Final payment made balance £0 May 2026
    mortgage free part II done!
    retirement planning started June 26
    H&L share ac started.





  • V3cash
    V3cash Posts: 458 Forumite
    Ninth Anniversary 100 Posts Mortgage-free Glee! Name Dropper
    edited 9 March at 5:08PM

    so after a really nice weekend it’s Monday

    Did c25k week 5, run 1!!

    So pleased with progress. I had to roller legs as I can feel build up of lactic acid In my calves, it was extremely uncomfortable so I need to keep stretching and rolling from now on as it’s just gonna get worse as I increase the mileage.

    hopefully by Friday I’ll have completed week 5.

    In time for holiday, planning a nice run In Miami when we get there.

    I might have made a costly mistake as I washed running shoes but forgot I’d put my physio insoles in them so I’m just waiting to see if wash has ruined them 🤞🤞

    MFW December 2026

    Initial mtg £100,000 Jan 2021
    Final payment made balance £0 May 2026
    mortgage free part II done!
    retirement planning started June 26
    H&L share ac started.





  • V3cash
    V3cash Posts: 458 Forumite
    Ninth Anniversary 100 Posts Mortgage-free Glee! Name Dropper
    edited 9 March at 1:39PM

    phew they survived ok so I won’t have to buy anymore 😊😊

    The running shoes are now back to original pink 👍👍

    MFW December 2026

    Initial mtg £100,000 Jan 2021
    Final payment made balance £0 May 2026
    mortgage free part II done!
    retirement planning started June 26
    H&L share ac started.





  • V3cash
    V3cash Posts: 458 Forumite
    Ninth Anniversary 100 Posts Mortgage-free Glee! Name Dropper

    count down to holiday on Friday ☀️

    Just 2 more days to go.

    Today i cancelled premier inn at Heathrow as i realised it wasn’t on the shuttle route so rebooked one which is, bit more expensive but if we had to book taxi that would make the PI more.

    Cleaned my oven as i found a box of cleaner and it’s lovely and sparkling now.

    Cleaned downstairs loo and utility room.

    Ticking jobs off list.

    Bought some packing cubes as I’m fed up of having everything everywhere on holiday, it drives me crazy, as we are moving about I hope it helps us stay organised.

    I’ve ticked everything off my chore list apart from making rolls and I don’t think I need any yet so that might be moved to Friday morning as I want to take bacon roll with us so we don’t have to buy tea on route. We will just want to get to hotel and crash I’m sure.

    I have my feet booked for tomorrow so looking forward to that treat ⭐️

    MFW December 2026

    Initial mtg £100,000 Jan 2021
    Final payment made balance £0 May 2026
    mortgage free part II done!
    retirement planning started June 26
    H&L share ac started.





  • V3cash
    V3cash Posts: 458 Forumite
    Ninth Anniversary 100 Posts Mortgage-free Glee! Name Dropper
    edited 10 March at 3:58PM

    Been reading some inspirational diaries on here. People are so focussed, think I’ve lost mine since I’m close to op limit.

    I wonder what people do once mortgage is gone?

    MFW December 2026

    Initial mtg £100,000 Jan 2021
    Final payment made balance £0 May 2026
    mortgage free part II done!
    retirement planning started June 26
    H&L share ac started.





  • carboot_karaoke
    carboot_karaoke Posts: 707 Forumite
    500 Posts Second Anniversary Photogenic Name Dropper
    edited 10 March at 6:05PM

    I am very jealous of your beautiful, clean home.

    It will make coming home from your holiday that bit easier.

    As for life after the mortgage…not sure yet. But l hope to find out ☺️

    Current Balance £7,145
    MFW 2026 #31 £15855 / £23,000 OP
    MFIT - T7  

    Emergency Fund £4,450 / £5,000


    0%CC May 2027-  £5,000

    0% Loan £600.00  - paid ✅️

    Money made £217.60 / £365

    Declutter 42 /52 

    Grocery Challenge 2025 £4885.78
    Grocery Challenge 2026 Jan £328.20, Feb £297.01 Mar £352.91 April £422.85

    The final countdown to June 2026 - Page 4 — MoneySavingExpert Forum


  • South_coast
    South_coast Posts: 6,480 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic

    I've found there are still many other things to save for 🙄!

    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
  • V3cash
    V3cash Posts: 458 Forumite
    Ninth Anniversary 100 Posts Mortgage-free Glee! Name Dropper

    I’m sure I will just then start obsessing over ISA rates or something equally exciting 😜

    MFW December 2026

    Initial mtg £100,000 Jan 2021
    Final payment made balance £0 May 2026
    mortgage free part II done!
    retirement planning started June 26
    H&L share ac started.





  • V3cash
    V3cash Posts: 458 Forumite
    Ninth Anniversary 100 Posts Mortgage-free Glee! Name Dropper

    My daughter is away which helps, I’m sure she’s a hoarder, that’s why we put her on the top floor 🤭🤭and hubby was trained well by his lovely mum. He’s tidier than me.

    I am on determined to get organised before I start work again, I’m on a mission 🤣🤣

    I’m a bit worried I will sort house then we will move again, that’s what happened last time.

    I know I need to downsize and move near better transport links before retirement.

    MFW December 2026

    Initial mtg £100,000 Jan 2021
    Final payment made balance £0 May 2026
    mortgage free part II done!
    retirement planning started June 26
    H&L share ac started.





  • V3cash
    V3cash Posts: 458 Forumite
    Ninth Anniversary 100 Posts Mortgage-free Glee! Name Dropper
    edited 11 March at 3:23PM

    so today I’m getting up early as i need to squeeze run in before shower then feet.

    Hubby needs his meds and i will be in vicinity of his doctors today, he’s looking tired and had to get up early for a networking breakfast thing he was invited to. Managed to get him to take a few hours back Friday so we can set off a bit earlier to London. He’s been working really hard and looks like he needs a break. I worry about his health so hoping this break recharges his battery.

    I’ve got a busy day running around so must get going!

    C25k run 2, wk 5 to do 😬

    Can’t believe it’s gone so quick.

    Things to do

    Run ✅

    Shower ✅

    Prescription pick up✅

    Feet appointment ✅

    Pick up parcel ✅

    Dinner in slow cooker✅

    Veg prepped ✅

    Pack some clothes in packing cubes.✅

    Take pictures of electric meter, email octopus.✅

    Ticking as I go today to make sure I get it all done.

    MFW December 2026

    Initial mtg £100,000 Jan 2021
    Final payment made balance £0 May 2026
    mortgage free part II done!
    retirement planning started June 26
    H&L share ac started.





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