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
Mortgage free by 2023 (!)
Comments
-
£3.11 TCB requested. Great that a referral bonus of £12 from 18 whole months ago went to confirmed over Christmas. Cant even remember who I referred but they obviously aren’t using TCB very much!Picked up a few surveys over Christmas from Nectar and Prolific with £8 waiting to be validated on there.So begins the week of confusion and cheese when I will have no idea what day it is and eat too much cheese!In other news the energy supplier accepted the Ombudsman decision but has another 3 weeks to implement the agreed outcomes. The £75 credit they will put on towards the deadline I’m sure but the recommendation they adjust the meter reading isn’t set in stone and was highly recommended by the Ombudsman so I’ll be interested to see if they actually do that.Cant decide whether to take £75 out of the energy account when the credit arrives. 🤔DFW (08/08) £64,346.53 Gone (02/19)
MFW (08/08) £118k Gone (09/23)2 -
I hope you all had a wonderful Christmas, ours has been quiet but I'm now feeling re-energised. It really is over so quickly isn't it. The 0% cc tip has got me thinking so I might get the laptop and my spreadsheet out later.Nov 2025 - part 1 - £13,878 part 2 - £20,953 Total - £34,832 24 months to go!1
-
Ha, love this 🤣! I've been confused about the actual day since Christmas Eve, so there's no hope for me I fear!debtfreeoneday said:So begins the week of confusion and cheese when I will have no idea what day it is and eat too much cheese!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!!!2 -
So here is my final review of the year:
Goals for 2021
✔️ SAVE £3017.67 / £3000
✔️ OP £3827.25 / £3000
✔️ EARN £1836.99 / £1500
Closing mortgage balance - 53,173.91
Mortgage percentage left to pay - 21%
83 months left.
DFW (08/08) £64,346.53 Gone (02/19)
MFW (08/08) £118k Gone (09/23)6 -
Lovely to see the figures on that review, congratulations!2023: the year I get to buy a car3
-
What KC said! Well done youKarmacat said:Lovely to see the figures on that review, congratulations!
Save £12k in 2026 #2 I have banked £2870.61 so far, against a £10k target The 2026 Save £12k in 2026 thread is here
OS Grocery Challenge in 2026 I am sticking with a £3000 annual budget for 2026 - currently £568.34 and most of my March purchasing made
I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the grow your own in 2026 discussion thread
My keep within our budget diary is here5 -
Bit of a sort out at home and another £13 worth of books traded with Ziffit but won’t get that credit until January.Fees like our last lazy day for a while now.DFW (08/08) £64,346.53 Gone (02/19)
MFW (08/08) £118k Gone (09/23)4 -
I must be a survey addict. It made me happy yesterday to have surveys to do. Didn’t feel like I ‘earnt’ anything really over the festive break.Pennies should hopefully start to trickle through at the start of next week.Also have £1001 sitting there ready to be OP which is burning a digital hole in my pocket!DFW (08/08) £64,346.53 Gone (02/19)
MFW (08/08) £118k Gone (09/23)4 -
Happy New Year all. Predictably I was sound asleep at midnight.We were out all day yesterday and so I didn’t get chance to check anything from Thursday or yesterday but the pennies came through good.Ziffit - 18.40
prolific - £6.91
ipsos - £5
store rewards - £2
shopimum - £4.26
TCB -£3.11
And I’ve just sent our OP of £1001 to the mortgage now that our new OP year has started. Have started saving to pay the CC back for that advance £56.68 / £914.17Continuing to work on paying off the gift fund and that is sitting at £468.12 / £800. This WILL be gone in February.DFW (08/08) £64,346.53 Gone (02/19)
MFW (08/08) £118k Gone (09/23)5 -
Happy New Year DFOD xx3
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 354.1K Banking & Borrowing
- 254.3K Reduce Debt & Boost Income
- 455.3K Spending & Discounts
- 247.1K Work, Benefits & Business
- 603.7K Mortgages, Homes & Bills
- 178.3K Life & Family
- 261.2K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.7K Read-Only Boards