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  • slm6002
    slm6002 Posts: 4,377 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Wishing you a happy 2025.  I look forward to following you as you pay lots more off the mortgage in 2025
    Me, DD1 19, DS 17, DD2 14, Debt Free 04/18, Single Mum since 11/19
    Debt £2547.60 / £2547.60
  • MerryHen
    MerryHen Posts: 81 Forumite
    Fourth Anniversary 10 Posts Photogenic Name Dropper
    Happy new year Jess 🎊 Here's to a happy, healthy and prosperous 2025 🎊
    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
    Jessy103 Posts: 2,242 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Thanks MerryHen and the same to you x

    Well, I made an op to the mortgage of £129.68 so it is now £23,600. That will probably be the last one until payday now on the last day of the month, Friday 31st January 😱 (We all know January feels like a lifetime!)

    I have been quite productive today, I have written birthdays on to my 2025 calendar and then wrote out a majority of the birthday cards, so they're all ready to go when needed (I bought a pack of 20 birthday cards with a few different designs from amazon as it will work out cheaper than individual ones). DH was very bemused with this, but a work colleague told me she does it at the beginning of every year and I thought it sounded a good idea. I'm also less likely to forget to buy one! 

    I then had to do an emergency repair on one of Dog 2's toys, a cuddly sloth that he'd decided to rip the arm off. These so called indestructible toys really aren't upto scratch with Dog 2 🤣
    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!
  • CrazyBee787
    CrazyBee787 Posts: 910 Forumite
    500 Posts Name Dropper Photogenic
    Hi Jess, I haven't got the time to read entire diary right now but I want to. I may have some time later, but what I have read it sounds like you are an inspiration with getting the Mortgage OPs done, which of course is what this is all about, but you are really on fire with it, well done. Glad to hear that horrid bully has gone. All the best for 2025 and your goalsXX
  • debtfreeoneday
    debtfreeoneday Posts: 5,013 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    happy New Year. You’ve done so well with the cleaning earnings x
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • VintageHistorian
    VintageHistorian Posts: 1,000 Forumite
    Eighth Anniversary 500 Posts Name Dropper
    I've been planning to do the same with birthday cards, need to double check what ones I currently have stowed away!
    "You won't bloom until you're planted" - Graffiti spotted in Newcastle.

    Always try to be nice, but never fail to be kind - Doctor Who

    Total mortgage overpayments 2017 - 2024 - £8945.62!
  • debtfreeoneday
    debtfreeoneday Posts: 5,013 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Probably feels good to have the first day back under your belt. 

    What book are you on?  I’m listening to an audio book tonight. Trying to get my first book of the year done!
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • Jessy103
    Jessy103 Posts: 2,242 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Probably feels good to have the first day back under your belt. 

    What book are you on?  I’m listening to an audio book tonight. Trying to get my first book of the year done!
    It is Tasmina Perry - Deep Blue Sea. I've only read one chapter so far but it got me wanting to read more! It was borrowed from a work colleague and we've swapped books before so I trust her when she says its a good one 🙂

    How do you find audio books? When do you tend to listen to them? I've tried a couple and enjoyed them, but struggle to find the quiet time to listen to them and if I listened to them in bed, I think I'd fall asleep 🤣
    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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