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Baby steps to mortgage freedom for beanielou.
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I've bought a beauty advent calendar from H&B this year! But am debating getting a chocolate one too 🤣 I keep seeing them in the shops and wanting one.Emergency Fund goal - £717.77/1500
Weight loss goal 1 - 0/7 lb
Mortgage OP goal 2026 - £90/£4500
New Diary- https://forums.moneysavingexpert.com/discussion/6647063/investing-in-us-holidays-health-and-the-road-to-150k#latest3 -
I will confess to the MnS beauty advent calendar and a Yankee Candle one this year. I’ve had wine and gin ones in the past but don’t think they’re worth the money.I did used to get excited about the paper ones as a child though especially the added excitement of opening the large door on Christmas Eve to reveal a star 😆I get knocked down but I get up again (Chumbawamba, Tubthumping)4
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The big star was absolutely banging @Sun_Addict
More innocent times 😊😂3 -
I remember the big star behind the 2th Dec advent calendar door. The one we had was pre choccy and each door had a nativity or Crimbo themed pic such as a donkey, a decorated tree etc. The doors were opened carefully so that the calendar could be reused the following year.3
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That’s how I remember it Teapot…..Nativity on 24 with double doors and flattened for another year 😂 Think the MSE was instilled in me 😂😂Pity I went rogue for a while.January spends - £587.585
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Lovely advent chat.Made Christmas cards tonight at th Woman’s group. Christmas seems to be coming round way way to fast.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.7 -
It feels too soon doesn’t it. We haven’t even had a frost here and my dahlias are still flowering! 😳🤷♀️beanielou said:Lovely advent chat.Made Christmas cards tonight at th Woman’s group. Christmas seems to be coming round way way to fast.
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 2 books of target 52 in 2026 as @ 4th January
Produce tracker: £10 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.6 -
It does seem odd. We have our Christmas lights up already but yesterday i was standing on the yard chatting to someone in a sleeveless mini dress (light tweed admittedly but very non November) The dress and the Christmas lights seemed such a weird juxtaposition.
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 !!6 -
I was out for a walk yesterday wearing a fleece hoody and a waterproof jacket and passed a woman in my street wearing jeans and a short sleeve blouse😱 maybe not everyone notices the cold Watty?Mortgage OP 2026 £50/2000Mortgage OP 2025 £7700/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £33,546
Make £50 a month Jan £0
Boiler fund £925/3000
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)4 -
I feel cold thinking about them! 🥶skint_spice said:I was out for a walk yesterday wearing a fleece hoody and a waterproof jacket and passed a woman in my street wearing jeans and a short sleeve blouse😱 maybe not everyone notices the cold Watty?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.2
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