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Decreasing spending - increasing happiness
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It's been the biggest driving force on OP'ing the mortgage for us - seeing the "milestones" appear - the 50% point, hitting and passing each thousand pound barrier, passing each 10k barrier has been a massive one too!
🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
Balance as at 31/08/25 = £ 95,450.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her0 -
Hello ELM
I thought I'd pop by to say hello :wave:
I've been lurking on your thread for a while.
I've only recently started a diary but even in that short time things have become much more serious so in turn I have to up my game and start some very serious debt busting...I thought I'd come over here where people are also serious (but lots of fun too)
Well done on your new mortgage rate. :j
Have a relaxing Sunday DIA xIf you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 3501000
Buffer fund 0/100
Debt Free (again) 25/0720250 -
Popping back in after much too long away.
I was going to start a new diary as lots has changed since I was last here but have decided to continue with this old diary - I have still been on the site reading diaries etc but not posting ( partly due to forgetting log in details)
An update - I have suffered significant health problems which resulted in me taking time out from the world of work. I am now back in work but only part time for the moment
My Morg has decreased but my credit card debts have increased considerably ( due to not working) I am currently looking into starting a DMP to tackle my debts.Started this journey in 2013 (on a previous diary) with approx 94,000 total of morg and debt combined
Total Morg and debt outstanding March 2019. 84,487.00
Total morg and debt o/standing 1/11/19 - 80,177
Total morg and debt o/standing 8/3/20 - 77,996
Total morg and debt Feb 2021 - 75021
Total morg and debt jan 2022 - 68441
Dec 2023 zero mortgage - debt under 100000 -
Sorry about your ill health.
Take care.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.0 -
Sorry about your health issues and good luck with the DMP.I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.
The 365 Day 1p Challenge 2025 #1 £667.95/£430.71
Save £12k in 2025 #1 £12000/£120000
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