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.

The MSE Forum Team would like to wish you all a very Happy New Year. However, we know this time of year can be difficult for some. If you're struggling during the festive period, here's a list of organisations that might be able to help
📨 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!
Has MSE helped you to save or reclaim money this year? Share your 2025 MoneySaving success stories!

Mortgage free by 2023 (!)

1320321323325326333

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: 10,186 Forumite
    Ninth Anniversary 10,000 Posts Name Dropper
    Seems about par for the course with smart meters!
  • debtfreeoneday
    debtfreeoneday Posts: 5,067 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: 6,156 Forumite
    Sixth 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: 5,067 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: 10,729 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 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
  • debtfreeoneday
    debtfreeoneday Posts: 5,067 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: 5,067 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    edited 25 July 2022 at 8:42AM
    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: 7,135 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. 
    Nov 2025 - part 1 - £13,878 part 2 - £20,953 Total - £34,832 24 months to go!
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
  • 353K Banking & Borrowing
  • 253.9K Reduce Debt & Boost Income
  • 454.8K Spending & Discounts
  • 246K Work, Benefits & Business
  • 602.1K Mortgages, Homes & Bills
  • 177.8K Life & Family
  • 260K 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.