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Mortgage free by 2023 (!)

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Comments

  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Sounding good, debtfree, except for the bleepy not-smart-meter.
    2023: the year I get to buy a car
  • badmemory
    badmemory Posts: 9,817 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    Seems about par for the course with smart meters!
  • debtfreeoneday
    debtfreeoneday Posts: 5,013 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    I see that nectar are running a smart fruit and veg challenge. Signed up. Didn’t understand it but somehow gained 350 points today so that’s a bonus. £9.25 requested from Prolific but stuck somewhere in cyber space. 
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • South_coast
    South_coast Posts: 5,935 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    Ooh, excellent thank you. I have also signed up. Apparently I buy an average of 59 portions per month, which is impressive as most of my shopping is done elsewhere 🤔?
    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!!!
  • debtfreeoneday
    debtfreeoneday Posts: 5,013 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Ooh, excellent thank you. I have also signed up. Apparently I buy an average of 59 portions per month, which is impressive as most of my shopping is done elsewhere 🤔?
    I don’t shop that much there but I buy 7 portions each month according to them. 
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • Suffolk_lass
    Suffolk_lass Posts: 10,370 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Re your decision to buy an air source heat pump, I asked the only person I know with one and she was rather critical - it is noisy, and despite assurances it could be located away from the house wall, the installers cautioned against it (burying stuff, then having to dig it up for maintenance seemed to be their reasoning). She says her house is really cold in winter, about 16c.

    They have had it for about 8 years so do check with the newer ones
    Save £12k in 2025 #2 I am at £9586.01 out of £6000 after August (158.45%)
    OS Grocery Challenge in 2025 I am at £2135.07/£3000 or 71.17% of my annual spend so far
    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 thread
    My new diary is here
  • debtfreeoneday
    debtfreeoneday Posts: 5,013 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Re your decision to buy an air source heat pump, I asked the only person I know with one and she was rather critical - it is noisy, and despite assurances it could be located away from the house wall, the installers cautioned against it (burying stuff, then having to dig it up for maintenance seemed to be their reasoning). She says her house is really cold in winter, about 16c.

    They have had it for about 8 years so do check with the newer ones
    It’s in already!
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • debtfreeoneday
    debtfreeoneday Posts: 5,013 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    edited 25 July 2022 at 9:42AM
    Feel like I haven’t been on here much at all. Life been busy. 

    So where am I?

    Air source heat pump installed and solar panels also going in. Bit of a backstory as to why we are doing this which I’m not going to go into but they will be better than our previous heaters and we have log burner back up and will install a second burner if we need to. 

    Money wise we have had a result of the PPI tax rebates so should have about £250 coming our way this week. Another one has been refunded via DHs tax code so it’ll be interesting to see his payslip this month. A further one has also been refunded via a cheque which I need to chase with the tax office as it hasn’t arrived yet. 

    Ticking on with surveys and doing well on free money this month. Cant believe July has nearly gone either!

    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • CathT
    CathT Posts: 7,133 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Good news about the PPI  and tax refunds. DH was on emergency tax for about 6 weeks when changing jobs last year and I'm baffled that he's not due a refund but we've checked the gateway and still no luck.

    What do you have planned over the Summer? Time is going so quickly Isn't it. 
    June 2025 - part 1 - £19,145 part 2 - £21,973 Total - £41,118 29 months to go!
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