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Starting Afresh Back Home
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Thank you everyone and great news, I got the job!!!! 😃
It will be a gradual process into it as I start to pass on my duties to other people and they get a replacement for my current role. I will have to up my hours again but only from 35 to 37.5 and I will be on £4k more than my current job, so I'm very happy with that. It will mean an extra £200 a month take home, which is an extra £200 a month towards the mortgage!
The car is due in for an MOT tomorrow and DH has offered to take me out for breakfast while in town, which I am not going to turn down 😂
We returned the wedding cake stand to the cake lady yesterday which means we get £50 back from her, so that can go towards an overpayment when received.
Happy weekend all 🙂Mortgage Balance as of September 2025 £11,700
Starting Mortgage Balance (June 2019) £72,000.
Aiming to be mortgage free by my 40th birthday, June 2026!9 -
Oh that's fantastic news, congratulations to you all over again 😀!
Have a great weekend xMortgage 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!!!3 -
Brilliant news!! 😃😃😃 So pleased for you, and I know you'll make excellent use of that extra dosh. No chance of it being frittered when you're around! What will that do to your expected mortgage end date, have you calculated?3
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Have just finished reading from the start over the last week and delighted that latest posts are both such good news.3
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Ooh - fab news. Well done! So exciting to be able to pay more off the mortgage

2025 decluttering: 5,256 🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅🌟🌟2025 use up challenge: 406🥉🥈🥇💎🏆Big kitchen declutter challenge 137/1502025 decluttering goals I Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 5002 -
Thanks cheery 🙂 If I up the monthly overpayment to £500 (which I should be able to do with this payrise) then it will be all paid off in 5 years and 1 month. This doesn't take into account the new interest rate that I will get when I remortgage next year though. Also, I'm 37 now so I'd like to pay it off by my 40th birthday which gives me 2 years and 9 months, bit of a push though!Cheery_Daff said:Brilliant news!! 😃😃😃 So pleased for you, and I know you'll make excellent use of that extra dosh. No chance of it being frittered when you're around! What will that do to your expected mortgage end date, have you calculated?Mortgage Balance as of September 2025 £11,700
Starting Mortgage Balance (June 2019) £72,000.
Aiming to be mortgage free by my 40th birthday, June 2026!5 -
Well done on the new job and love your focus on the mortgage even whilst planning a wedding. You both look v happy and fabulous
DON'T BUY STUFF (from Frugalwoods)
No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff. Money doesn’t walk out of your wallet on its own accord.
https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest3 -
Thank you Pollie! 🙂Pollie said:Have just finished reading from the start over the last week and delighted that latest posts are both such good news.
Thanks Jess xQueenJess said:Ooh - fab news. Well done! So exciting to be able to pay more off the mortgage
LadyWithAPlan said:Well done on the new job and love your focus on the mortgage even whilst planning a wedding. You both look v happy and fabulous
Thanks ladywithaplan 😃Mortgage Balance as of September 2025 £11,700
Starting Mortgage Balance (June 2019) £72,000.
Aiming to be mortgage free by my 40th birthday, June 2026!3 -
Yeah,but a good target is always motivating! 😁Jessy103 said:
Thanks cheery 🙂 If I up the monthly overpayment to £500 (which I should be able to do with this payrise) then it will be all paid off in 5 years and 1 month. This doesn't take into account the new interest rate that I will get when I remortgage next year though. Also, I'm 37 now so I'd like to pay it off by my 40th birthday which gives me 2 years and 9 months, bit of a push though!Cheery_Daff said:Brilliant news!! 😃😃😃 So pleased for you, and I know you'll make excellent use of that extra dosh. No chance of it being frittered when you're around! What will that do to your expected mortgage end date, have you calculated?3 -
Congratulations on the new job Jessy! You will smash that mortgage!Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days
'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway3
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