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!

Mortgage free by 2023 (!)

1317318320322323333

Comments

  • Whoop. Two wins of £25 this month. Very happy with that. Also snaffled over £10 worth of surveys on prolific last night that suddenly all popped up. £6.75 cashed in and over £20 still waiting to credit. 

    Happy bank holiday all. Sun is due to shine!
    That's fantastic, brilliant start to the month, have a lovely long weekend xx
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Good stuff, thats a *lot* in one go :)
    2023: the year I get to buy a car
  • SandyShores
    SandyShores Posts: 2,031 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Congratulations debtfree.  I didn't realise the results already out, nothing for me, but good to hear you've been lucky - twice!! :smiley:

    I've been using Checkoutsmrt and Shoppmium a bit this month.  Had some good bargains, with £10 cashback - I need to start keeping an eye on those again.
    "Think of many things, do one"
    Mortgage 30Jan'26 est. £204,205 £309,749 2020 (ends 2038 - aiming for 2031)
    Seven Goals; target lose 4lbs by Feb'26; walk/run/exercising/weights/yoga 

  • CathT
    CathT Posts: 7,135 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Great PB wins, you're so consistent with your other income streams so it's nice to have a boost isn't it. 
    Nov 2025 - part 1 - £13,878 part 2 - £20,953 Total - £34,832 24 months to go!
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Income streams is the thing, isn't it - you *are* good at going that extra mile.

    I completely forgot about checking my own bonds - I won £25 too :) 
    2023: the year I get to buy a car
  • debtfreeoneday
    debtfreeoneday Posts: 5,082 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    £9.10 in from prolific and a few other amounts so close to being payable. 

    Currently blowing my brain up trying to decide whether to move energy suppliers and fix for 12 mths. Seems crazy to voluntarily increase our Costs now. Though I get it’s too guard against future rises in October. I also hate our current supplier with a passion, long time readers will know of the pain they caused last year and this. Our DD would increase £40 a month. I’m so undecided!!!
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • Merlin's_Beard
    Merlin's_Beard Posts: 1,654 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    £9.10 in from prolific and a few other amounts so close to being payable. 

    Currently blowing my brain up trying to decide whether to move energy suppliers and fix for 12 mths. Seems crazy to voluntarily increase our Costs now. Though I get it’s too guard against future rises in October. I also hate our current supplier with a passion, long time readers will know of the pain they caused last year and this. Our DD would increase £40 a month. I’m so undecided!!!
    I think with things like that you just have to pick one and accept that you might be wrong - no one knows the right answer in advance, and I think how much you want/need security of knowing how much payments are going to be has to play a factor.
    Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
    Current mortgage amount: £224,460.73
    Start student loan 2012: £29,750; current student loan: CLEARED July 2025
    Unread owned books Jan 2026: 256
    Undone crafts 2026: +1
  • Suffolk_lass
    Suffolk_lass Posts: 10,813 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I would fix if I were not already on a fix until next July - the price is not going to suddenly lower and £40 a month for 4 months ahead of the next price cap, is a lot better than £100-£200 a month in October
    Save £12k in 2025 #2 I saved £14,660.97 of £6000 or 244.35% of my target. The 2026 Save £12k in 2026 thread is here
    OS Grocery Challenge in 2025 I finished the year at £2880.99/£3000 or 96.03% of my annual spend so I am sticking with a £3000 annual budget for 2026
    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 here
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
  • 353.2K Banking & Borrowing
  • 254K Reduce Debt & Boost Income
  • 454.9K Spending & Discounts
  • 246.3K Work, Benefits & Business
  • 602.5K Mortgages, Homes & Bills
  • 177.9K Life & Family
  • 260.3K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K 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.