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Keep calm and carry on....
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Just caught up with all your news! Congratulations on your new job 👏🏻 Glad you are now on the mend as well!Definitely agree with concentrating on the mortgage and then focusing on the refurb afterwards, I have a list of household jobs that need doing some more urgent than others and we tend to focus on 1 or 2 each year or whenever funds allow, definitely over borrowing money to get things done now as that is how we ended up in over 30k of debt in a previous life! More satisfying to save up for things!Aiming to be mortgage free in 3 years June 2023.
May 2020 - £63,493
Jan 2021 - £56,145
April 2022 - £44,7505 -
Great news on the starting work next week. Easy enough to get quotes for things (even in these strange times) so maybe pick one big job (kitchen, bathroom, windows)and one small (internal doors, redecoration, plastering, new bed/sofa) and cost them up and start gradually like that doing one job at a time and saving for it?I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.
Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board: https://lemonfool.co.uk/financecalculators/soa.php
The 365 Day 1p Challenge 2025 #1 £667.95/£667.95
Save £12k in 2025 #1 £12000/£150005 -
Thanks all, looking forward to getting back into a routine. These last couple of weeks when I've known I've got a job but couldn't do it have been very frustrating!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!!!5 -
glad to hear your feeling better.Mortgage restart June 2018 £119950Re mortgage August 19 £110470, … Mortgage November 22 £85600 final 0% CC 3300Home renovations - £65000, mid 2018 - mid 20224
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Thanks MFD's. It's strange to think that two weeks ago today I was sat here in agony, waiting for a call from the GP - the wonders of modern medicine!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!!!4 -
Glad you're feeling better SC! Good luck with starting the new job and hope all goes well! xStarting Mortgage Balance (June 2019) £72,000. Mortgage Free November 2025!4
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Thank you 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!!!2 -
First weekly OP made to the mortgage: £8.06 😀
I'll have this last £18k licked in no time 🤣!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!!!6 -
Glad to hear you're feeling better SC! Few days off MSE and your diary has grown by 4 pages!Rule 7: If you're not changing it, you're choosing it.
MFW 2020: 1 Jan £92903.90 ~ OP £536.80/£500
MFW 2021: 1 Jan £89281.21 ~ OP £404.62/£500
MFW 2022: 1 Jan £85579.20 ~ OPs on hold.3 -
I bet you can't wait for tomorrow!
I'm 5x SC mortgages away from paying ours off - wonder how long it will be before we're 6x...If it's not adding up, compound it!4
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