We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide

Baby steps to mortgage freedom for beanielou.

1…24842485248724892490…2561

Comments

  • KajiKita
    KajiKita Posts: 10,088 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic
    There’s going to be quite a few of us doing frugal January … 😉

    Glad the time with DS was so lovely 🥰 

    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 31 books of target 52 in 2026 as @ 7th 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. 
  • debtfreewannabe321
    debtfreewannabe321 Posts: 10,695 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad Xmas was mostly okay, it's sad waving the kids off again isn't it 💖 I'll also be joining on the frugal Jan! X
    Emergency Fund goal - £1000/2000
    Mortgage OP goal 2026 - £1200/£4500 
    Read 24 books this year 14/24

  • doingitanyway
    doingitanyway Posts: 10,925 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    edited 30 December 2025 at 11:10PM
    Glad you are ok. Yes, I'm with you with a frugal January. In fact I'm off to sign up for the NSD thread
    If 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 1400/1000
    Buffer fund 100/100
    Debt Free (again) 25/07/2025
  • beanielou
    beanielou Posts: 99,575 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    doingitanyway said:
    Glad you are ok. Yes, I'm going you with a frugal January. In fact I'm off to sign up for the NSD thread
    See you there. 
    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.
  • Watty1
    Watty1 Posts: 8,233 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    So pleased you enjoyed Christmas.   Another on frugal January because I need to! 
    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 !!
  • skint_spice
    skint_spice Posts: 13,742 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Frugal January here too! 
    Mortgage OP 2026 £860/2000
    Mortgage balance: £31,763

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

  • PennysIntoPounds
    PennysIntoPounds Posts: 6,561 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    Happy Hogmanay young bean, you've achieved loads this year and been a star for many. Hoping that you have a 2026 filled with things that make your life easier and lots of times of contentment and joy x
    https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1

    'aggressive safety shot' Ken Doherty
  • kelpie35
    kelpie35 Posts: 1,790 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Happy New Year to you.

    Thank you for all your support, kindness and understanding for many of us.

    Take care of yourself.

  • Chrystal
    Chrystal Posts: 2,031 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Name Dropper
    Wishing you the best of everything Beanie, and no falls.  (((hugs))) XXX
    I Believe.....
    That it isn't always enough, to be forgiven by others.
    Sometimes, you have to learn to forgive yourself.

    Yesterday is history, tomorrow is a mystery
    Today is a gift. That's why it is called the present.

    happiness isn't achieved by getting extra things,
    but by getting rid of the things that make you unhappy
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 354.5K Banking & Borrowing
  • 254.4K Reduce Debt & Boost Income
  • 455.4K Spending & Discounts
  • 247.4K Work, Benefits & Business
  • 604.2K Mortgages, Homes & Bills
  • 178.5K Life & Family
  • 261.7K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture