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Baby steps to mortgage freedom for beanielou.

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Comments

  • beanielou
    beanielou Posts: 99,528 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Aw glad you've got a wee chocolate advent calendar to look forward to. I was thinking the other day about when I was a kid at Christmas and getting a selection of chocolate bars, packaged in the shape of a stocking, was the most exciting thing ever. Probably still would be 😁
    I remember them too 😹
    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.
  • KajiKita
    KajiKita Posts: 10,062 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic
    beanielou said:
    I’m glad you treated yourself. I’m old enough to remember the advent calendars where you opened the window and got a picture of a star or a donkey etc, how things have changed 🤣
    Yes! I do too. How boring were they! 
    I hope they’re not toooo boring … I bought a new one for Mr KK for December this year as he was pining after one last year! 😂

    KK
    As at 17.04.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
    - OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 30 books of target 52 in 2026 as @ 4th May. 
    Produce tracker: £108 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. 
  • beanielou
    beanielou Posts: 99,528 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    KajiKita said:
    beanielou said:
    I’m glad you treated yourself. I’m old enough to remember the advent calendars where you opened the window and got a picture of a star or a donkey etc, how things have changed 🤣
    Yes! I do too. How boring were they! 
    I hope they’re not toooo boring … I bought a new one for Mr KK for December this year as he was pining after one last year! 😂

    KK
    I was wee and wanted one with sweets! 🍫 
    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.
  • KajiKita
    KajiKita Posts: 10,062 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic
    beanielou said:
    KajiKita said:
    beanielou said:
    I’m glad you treated yourself. I’m old enough to remember the advent calendars where you opened the window and got a picture of a star or a donkey etc, how things have changed 🤣
    Yes! I do too. How boring were they! 
    I hope they’re not toooo boring … I bought a new one for Mr KK for December this year as he was pining after one last year! 😂

    KK
    I was wee and wanted one with sweets! 🍫 
    Awww … bless … 😊❤️

    KK
    As at 17.04.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
    - OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 30 books of target 52 in 2026 as @ 4th May. 
    Produce tracker: £108 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. 
  • Cheery_Daff
    Cheery_Daff Posts: 18,401 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I'm fond of an old school sparkly advent calendar with little pictures 🥰 I'm also fond of a chocolate one 🤭 and we have a lovely one that's kind of a fold out book which we bring out every year, so it's quite possible we'll end up with three 😂
  • skint_spice
    skint_spice Posts: 13,737 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Enjoy the advent calendar, I had a wine version one year…
    Mortgage OP 2026 £860/2000
    Mortgage balance: £31,791

    Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May 
    Boiler fund £2085/3000

  • milann
    milann Posts: 11,757 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    When I was little I used to love seeing the pictures of my sparkly advent calendar but must have been very much behind the times as i didnt even know they did chocolate ones 😂😂 My 2 had ones with horrible chocolate in but they enjoyed them until Cadbury ones were around. I was eyeing hotel chocolat ones when I was in town last week…… I do wish they’d put Christmassy pictures on the calendars though. 
    January spends - £587.58
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