We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
The MSE Forum Team would like to wish you all a Merry Christmas. However, we know this time of year can be difficult for some. If you're struggling during the festive period, here's a list of organisations that might be able to help
📨 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!
Has MSE helped you to save or reclaim money this year? Share your 2025 MoneySaving success stories!
Keep calm and carry on....
Comments
-
Well for a start, we didn't need a second TV, and it was largely unused for its entire lifespan. But also, I needed the sweetcorn for dinner, and he had to go back round to Asda to fetch it because he got so distracted with the TV that he forgot the actual reason he was there lol. Plus, if someone is walking 5 minutes away and then (more or less) straight back, being away for 3 times as long as they should've been results in stressing of the "maybe they've been hit by a car or been mugged" kind.Grogged said:
Nope... I've read it twice and still can't see the problem?coldcazzie said:This reminds of the time (probably about 13/14 years ago now) I sent The Manwife™ to Asda (about 5 minutes walk away) for frozen sweetcorn, and he came back 45 minutes later with a bloody TV! And no sweetcorn!
Ahhh... Did he take too long choosing the TV?
😂😂😂
It's funny now, but it wasn't then!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.5 -
That’s a serious bit of unplanned shopping!MFW 67 - Finally mortgage free! 💙😁3
-
Nice, SC! I'm always too slow with prolific and by the time I get there all spaces have gone 😂Starting Mortgage Balance (June 2019) £72,000. Mortgage Free November 2025!5
-
Don't wait for the emails to come through, just check the page periodically. I tend to look on my phone when the ad breaks come on (then get sucked into a survey and have to pause the telly at the end of the ad break so a 2h programme ends up taking more like 3 😂!)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 -
Yep, what SC said. Keep it open in a tab on your phone and scroll up to have a look whenever you remember.
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.5 -
Glad Prolific is working for you - you have more patience than meAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.3K Equity 36.55%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
(If took bigger lump sum = 62K or 48.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5.1K updated 14/11/254 -
Ooh, just received my annual mortgage statement to pore over 😀
Balance 12 months ago: £47,455.54
Monthly interest 12 months ago: £101.92
Balance today: £28,270.76 (actually less than that as they must count the last payment in next year's accounts)
Monthly interest today: £58.40
ERC's paid in the year: £262.40
I can live with that 😀!
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 -
Impressive savings on the interest SC! Well, impressive all round really!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 -
Great progress, well done.If it's not adding up, compound it!4
-
*takes a bow*
And the fact I missed when I did my round-up the other week is that I now have a new fee-free 10% allowance of £2,827, plus the ERC's after that will now only be 3%. Looking forward to enacting that WHEN (not if) I can get back to OP'ing 😀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
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.9K Banking & Borrowing
- 253.9K Reduce Debt & Boost Income
- 454.7K Spending & Discounts
- 246K Work, Benefits & Business
- 602.1K Mortgages, Homes & Bills
- 177.8K Life & Family
- 259.9K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards