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 Merry Christmas. 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!
Easter 2025 I’m coming to get you!
Comments
-
Just finished my Christmas shopping which my sealed pot has paid for. The last thing on my list, which is a treat for me, came on a black friday deal (smart speaker to replace the very old FM kitchen radio). I did end up buying 2 as the kids version was also on offer but comes with a one year free Kids + subscription. The subs I pay for his tablet are £7 a month so £84 a year. Most of the Kids stuff comes with a free 12 month subscription and the last freebie I had expired a year ago. 2 x smart speakers plus a free (£84) subscription for £60 so very happy. Just got to wrap it all now!SPC #023 SPC 12: £125.86[/COLOUR]:SPC 13: £214.98: SPC 14: £297.41 SPC 15: £237.27 SPC 16 £335.39; SPC 17 £662.09 SPC 18 £660.03[ SPC 19 ?COLOR="DeepSkyBlue"]MFW #21 Mortgage start Dec 2015 £79,950; Dec 2025 £16,570[/COLOR] 2025 OP £2874/COLOR]/£2,000 MFiT T6 #3 £19070/£25,500 (72.82%%) MFiT T7 #3 £5360/£21,930 (24.44%)4
-
Made an overpayment of £76 today so mortgage stands at £17,100. Requested some top cash back money today £39 so that will go that way too.SPC #023 SPC 12: £125.86[/COLOUR]:SPC 13: £214.98: SPC 14: £297.41 SPC 15: £237.27 SPC 16 £335.39; SPC 17 £662.09 SPC 18 £660.03[ SPC 19 ?COLOR="DeepSkyBlue"]MFW #21 Mortgage start Dec 2015 £79,950; Dec 2025 £16,570[/COLOR] 2025 OP £2874/COLOR]/£2,000 MFiT T6 #3 £19070/£25,500 (72.82%%) MFiT T7 #3 £5360/£21,930 (24.44%)7
-
Great work hetty! XStarting Mortgage Balance (June 2019) £72,000. Mortgage Free November 2025!2
-
Popped £40 to the mortgage so £17,060 😁SPC #023 SPC 12: £125.86[/COLOUR]:SPC 13: £214.98: SPC 14: £297.41 SPC 15: £237.27 SPC 16 £335.39; SPC 17 £662.09 SPC 18 £660.03[ SPC 19 ?COLOR="DeepSkyBlue"]MFW #21 Mortgage start Dec 2015 £79,950; Dec 2025 £16,570[/COLOR] 2025 OP £2874/COLOR]/£2,000 MFiT T6 #3 £19070/£25,500 (72.82%%) MFiT T7 #3 £5360/£21,930 (24.44%)4
-
Nearly in the 16's.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*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.2 -
Overpaid £127 so now mortgage amount is £16,933!SPC #023 SPC 12: £125.86[/COLOUR]:SPC 13: £214.98: SPC 14: £297.41 SPC 15: £237.27 SPC 16 £335.39; SPC 17 £662.09 SPC 18 £660.03[ SPC 19 ?COLOR="DeepSkyBlue"]MFW #21 Mortgage start Dec 2015 £79,950; Dec 2025 £16,570[/COLOR] 2025 OP £2874/COLOR]/£2,000 MFiT T6 #3 £19070/£25,500 (72.82%%) MFiT T7 #3 £5360/£21,930 (24.44%)8
-
All good then on mortgage.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*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.2 -
Fantastic, another milestone reached 👏🏽 👏🏽Hettyhound said:Overpaid £127 so now mortgage amount is £16,933!
MFW
Opening Mortgage Balance 16/06/2024 - £99569.04 term remaining 80 months (Feb 2031)
Current Balance £23,000
MFW 2025 #31 £40,000 / £28,000 OP
MFIT - T7 £40,000 OP
0%CC May 2027- £5,000
0% Loan £600.00
Grocery Challenge
Jan £387.89 / Feb £ 355.67 / Mar £418.63 / Apr £478.37 / May £426.52 / June £376.18 / July £462.54+£103.32 entertaining / Aug £294.38+83.83 entertaining /Sept £328.93 / Oct £381.10 /Nov £282.13
The final countdown to June 2026 - Page 4 — MoneySavingExpert Forum3 -
Just done another £40 so mortgage at £16,893. DD goes out on 10th so I’ll see where that leaves me. I don’t need much else for Christmas, I tend to keep it fairly quiet as my boy can easily get overwhelmed with it all. We have a Christmas greyhound walk on Sunday and then it’s a school training day on Monday so he’ll be at home while I’m trying to work. His Christmas events are starting to ramp up but at least it’s not as full on as when he was at primary school.SPC #023 SPC 12: £125.86[/COLOUR]:SPC 13: £214.98: SPC 14: £297.41 SPC 15: £237.27 SPC 16 £335.39; SPC 17 £662.09 SPC 18 £660.03[ SPC 19 ?COLOR="DeepSkyBlue"]MFW #21 Mortgage start Dec 2015 £79,950; Dec 2025 £16,570[/COLOR] 2025 OP £2874/COLOR]/£2,000 MFiT T6 #3 £19070/£25,500 (72.82%%) MFiT T7 #3 £5360/£21,930 (24.44%)5
-
Well done hetty x Enjoy the greyhound walk! We're hoping to go to the Christmas whippet meet up next week, so lovely to see all the longnoses! xStarting Mortgage Balance (June 2019) £72,000. Mortgage Free November 2025!3
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.9K Banking & Borrowing
- 253.9K Reduce Debt & Boost Income
- 454.7K Spending & Discounts
- 246K Work, Benefits & Business
- 602.1K Mortgages, Homes & Bills
- 177.8K Life & Family
- 259.9K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards