📨 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!

Starting Afresh Back Home

Options
1150151153155156

Comments

  • beanielou
    beanielou Posts: 95,530 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    That looks amazing.
    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.
  • CrazyBee787
    CrazyBee787 Posts: 898 Forumite
    500 Posts Name Dropper Photogenic
    I agree with Beanie it looks delicious tooXX
  • Jessy103
    Jessy103 Posts: 2,236 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Thanks both ❤️

    Well that's the day job done for the week. Went in half an hour early as planned, had to go to the dentist with DH at dinnertime and the waiting room is basically a conservatory, I thought I was going to melt! 🥵 I was in shorts and tshirt, but I have to wear steel toe cap boots with working in the factory so my feet felt awful. Went back to work and then finished half an hour early. I came home and had a quick shower to freshen up. Dogs weren't happy that they just went out to the toilet and not a proper walk, but needs must. It's meant to be a bit cooler tomorrow so looking forward to that. 

    I have two cleaning jobs tomorrow morning and then one on Sunday morning. We have been invited round for pizza at my parents tomorrow evening, yummy!

    Me and DH have had a bit of a chat about the mortgage and I have put forward the idea of when it gets to Christmas and I've got the mortgage down to about £7k, would he use some of his savings (he'll have about £18-£19k by then) to pay off the remaining amount and then when I sell this place, I will give him the £7k back. He seems open to the idea, but I don't want to get too excited about it just yet. 🤫
    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!
  • daisy_1571
    daisy_1571 Posts: 2,096 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Definitely seems a better idea borrowing off him IF his interest rate is lower than mortgage, it just makes complete arithmetic sense.  Obv if he's gaining more interest than you would save, even though psychologically it would be great to be mortgage free, arithmetically you'd be better carrying on as you are

    Dxx
    22: 3🏅 4⭐ 23: 5🏅 6 ⭐ 24 1🏅 2⭐ 25 🏅 🥈 Never save something for a special occasion. Every day is a special occasion. The diff between what you were yesterday and what you will be tomorrow is what you do today Well organised clutter is still clutter - Joshua Becker If you aren't already using something you won't start using it more by shoving it in a cupboard- AJMoney The barrier standing between you & what youre truly capable of isnt lack of info, ideas or techniques. The secret is 'do it'
  • beanielou
    beanielou Posts: 95,530 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Great idea on the 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.
  • daisy_1571
    daisy_1571 Posts: 2,096 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Happy 11th bday doggy 🐕 🎂  <3
    22: 3🏅 4⭐ 23: 5🏅 6 ⭐ 24 1🏅 2⭐ 25 🏅 🥈 Never save something for a special occasion. Every day is a special occasion. The diff between what you were yesterday and what you will be tomorrow is what you do today Well organised clutter is still clutter - Joshua Becker If you aren't already using something you won't start using it more by shoving it in a cupboard- AJMoney The barrier standing between you & what youre truly capable of isnt lack of info, ideas or techniques. The secret is 'do it'
  • newgirly
    newgirly Posts: 9,334 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Happy birthday ❤️ what a beauty! 

    That’s really exciting news news jessy, you could be mf this year, even if you are not you won’t have much left 😁 
    MFW 67 - Finally mortgage free! 💙😁
  • beanielou
    beanielou Posts: 95,530 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    That wee face.  Happy birthday.
    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.
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
  • 351K Banking & Borrowing
  • 253.1K Reduce Debt & Boost Income
  • 453.6K Spending & Discounts
  • 244K Work, Benefits & Business
  • 599K Mortgages, Homes & Bills
  • 177K Life & Family
  • 257.4K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K 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.