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  • Hettyhound
    Hettyhound Posts: 1,046 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Well done on the mortgage payments, you are getting there!  I’m trying to cut down on food shops and use up stuff I have; food and petrol still seem to be going up despite what we are being told, at least my mortgage hasn’t for a few months now 🤦‍♀️. I often dream about my future, especially in dark winter mornings 🌞
    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 £20MFW #21 Mortgage start Dec 2015 £79,950; June 2025 £19,394.00 2025 OP £1589/COLOR]/£2,000 MFiT T6 #3 £19070/£25,500 (72.82%%) MFiT T7 #3 £2050/£21,930 (9.34%)
  • Cheery_Daff
    Cheery_Daff Posts: 17,179 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    No need to apologise, that's a blinking outrage!! I hope they have amended their records to show that you were actually only off for 8 days. Grrrr.
  • beanielou
    beanielou Posts: 95,614 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    That is really not on.
    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.
  • QueenJess
    QueenJess Posts: 4,505 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    Ugh. Companies sometimes just have a computer says no approach to everything without any common sense applied for the real world 🙄. I hope the dual role stuff is sorted soon.
    2025 decluttering: 3,958🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅
    2025 use up challenge: 338🥉🥈🥇💎🏆
    Big kitchen declutter challenge 112/150
    2025 decluttering goals I Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 500
  • I have just caught up on your diary Jess. A massive well done on everything you have achieved over the past few years. Your bungalow sounds so homely!

    DH and I are both originally Suffolk natives too, now living in Yorkshire, and are also regularly there visiting family. I also daydream about moving back there one day to live by the sea again 🙂

    Looking forward to following your journey in real time!
    Mortgage free 13/06/2023 🥳
    8.5 years early saving ~£20,000 in interest.

    Short term goals:
    As of January 2025
    Save emergency fund: £8700/£15,000 (58%)
    Pay personal 🚗 loan: £-190

    Mid term goals:
    Next car fund: £4200/£20,000 (21%)

    Longer term goals:
    Fix up the Hen House 🏠
    Save for retirement 
  • Jessy103 said:
    DH has booked us in at the local Indian restaurant for tea tomorrow night as a little treat, which I'm really looking forward to (I will be wearing my stretchy jeans, seeing as he's paying, I'm going to get my money's worth 😂)
    Oh Jessy, I always knew we were kindred spirits 🤣!
    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!!!
  • Jessy103
    Jessy103 Posts: 2,246 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    😂😂😂 Love it SC! 

    Well, the Indian was super yummy as always and we're very lucky to have such a good one just up the road in the next village. Poppadoms with pickle tray and onion bhajis for starter, saag aloo (spinach and potato) with mushroom rice and a cheese naan for main 😋 DH had a spicy mixed grill thing (as a veggie I don't pay much attention to meat dishes 😂) with a peshawari naan and we did share the mushroom rice and the onion bhajis we had for starters, so a little mse there.

    We have had a spendy day today as we have done some Christmas shopping, which did include me and DH buying each other new coats for Christmas. They were needed as the zip is broken on mine and his has lost its waterproofing. We both now have nice, thick, waterproof coats for winter which have inner coats that can be unzipped and taken out so that the outer coat can be used as a lightweight rain coat in the warmer months. Very handy for all the dog walking we do! 

    The normal DD for the mortgage has now gone out and I have made an OP of £355.93 which brings the new total to £37,880! 😀 

    In celebration the Christmas decs have gone up and feeling very festive now 🎄
    Mortgage Balance as of July 2025 £14,900.
    Starting Mortgage Balance (June 2019) £72,000.
    Aiming to be mortgage free by my 40th birthday, June 2026!
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