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Getting shot of the mortgage sooner than 2049!

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  • badmemory
    badmemory Posts: 9,593 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    I have a jigsaw board but don't like doing them on the table as I get backache from all the leaning forward.  I use my extra high ironing board to rest it on but not much ironing ever gets done.  I've not actually used it as an ironing board since the first lockdown in March 2020.
  • KajiKita
    KajiKita Posts: 7,621 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    badmemory said:
    I have a jigsaw board but don't like doing them on the table as I get backache from all the leaning forward.  I use my extra high ironing board to rest it on but not much ironing ever gets done.  I've not actually used it as an ironing board since the first lockdown in March 2020.
    I needed to iron something the other day - crafting project and it took me quite a while to find the board and the iron …. I worked out that I hadn’t used for c. 2 years or so 🤷‍♀️😉

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,338 Interest saved £5225 to date
    Fixed rate 3.85% ends January 2030

    Read 40 books of target 52 in 2025, as @ 29th July
    Produce tracker: £243 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • Bluegreen143
    Bluegreen143 Posts: 3,704 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    We don’t have an ironing board 😅 the odd time something needs ironed we do it on the floor or table, with a towel under.
    Part time working mum | Married in 2014 | DS born 2015 & DD born 2018

    https://forums.moneysavingexpert.com/discussion/6542225/stopping-the-backsliding-a-family-of-four-no-longer-living-beyond-their-means/p1?new=1

    Consumer debt free!
    Mortgage: -£128,033

    Savings: £6,050
    - Emergency fund £1,515
    - New kitchen £556
    - December £420
    - Holiday £3,427
    - Bills £132

    Total joint pension savings: £55,425
  • Baileys_Babe
    Baileys_Babe Posts: 6,264 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Our ironing board is in the loft I think or we have given it away. The iron lives in the craft cupboard we rarely use it but when we do we use a towel to protect the surface.

    Glad to hear that puzzling isn't usually a problem @Bluegreen143
    Fashion on a ration 2025 0/66 coupons spent
    79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases

    One
     income, home educating family 
  • Oh amazing @KajiKita!!

    I’ve already crossed a few items off my 30 day list! And a few that are left are actually “needs” and just on there so I don’t forget to look for them in charity shops 😂 (eg summer clothes for the kids). 

    Still on my list are strawberry and rhubarb crowns for the garden, 2x single bedsheets (the kids have but one each now, and for laundry ease I’d like two!), trainers for myself (not fancy designer trainers, just the cheap kind for everyday comfy footwear and if I do any exercise!) and a couple of books the library don’t have. 
    I would ask on your local FB or similar group about strawberry and rhubarb, I am always trying to give them away!  I pot some strawberries up in at the end of summer each year.  Rhubarb is just starting again for this year so might have to wait for that one, but if you are like me  they will have multiplied and are easy to split a chunk off
  • I don’t have FB 😬 on the whole I don’t miss it, but it does make buying/selling/bartering harder! Will ask Red if he can have a look at the local bartering group.
    Part time working mum | Married in 2014 | DS born 2015 & DD born 2018

    https://forums.moneysavingexpert.com/discussion/6542225/stopping-the-backsliding-a-family-of-four-no-longer-living-beyond-their-means/p1?new=1

    Consumer debt free!
    Mortgage: -£128,033

    Savings: £6,050
    - Emergency fund £1,515
    - New kitchen £556
    - December £420
    - Holiday £3,427
    - Bills £132

    Total joint pension savings: £55,425
  • Just had a bath, slightly extravagant as I also showered this morning 🙈 but I’ve been feeling chilled all afternoon and evening. 

    I spent nearly an hour in the park after school, the kids were playing nicely with friends so I sat and read my book, but didn’t realise how cold I was getting sat still! Then it’s nearly a 30 minute walk home. A lovely, deep, warm bubbly bath has made all the difference and I feel cosy now 🙌🏼

    2hr 47 mins outdoors today, and 53hr 14 mins for the year to date 🥳 I’m on my eighth book of the year too. No craft projects yet (though I’ve done a couple of repairs), but I have yarn here now to knit some baby dungarees. 

    Meals today

    B - instant pot porridge with brown sugar and apple 

    L - leftover fajita chicken rice 

    S - melon (kids had apples when I picked them up)

    D - HM falafel & hummus salad wraps, kids had yoghurts after (I buy the cheap Tesco fromage frais, the creamfields one, they love them and they are so cheap!)

    Spending

    £0 spent today! 

    Plans for tomorrow

    Tomorrow is my day off with Bambi 😁🥳 also have two friends coming after school with their daughters. Both mums are good friends of mine, the eldest girls both go to Monkey’s school and they both have four year olds who are friends with Bambi too. 

    🔘 Get the Tesco top up shop
    🔘 Deep clean both bathrooms
    🔘 Catch up on laundry
    🔘 Bake something nice for the playdate 
    🔘 Hoover downstairs 
    🔘 Spent some time with Bambi
    Part time working mum | Married in 2014 | DS born 2015 & DD born 2018

    https://forums.moneysavingexpert.com/discussion/6542225/stopping-the-backsliding-a-family-of-four-no-longer-living-beyond-their-means/p1?new=1

    Consumer debt free!
    Mortgage: -£128,033

    Savings: £6,050
    - Emergency fund £1,515
    - New kitchen £556
    - December £420
    - Holiday £3,427
    - Bills £132

    Total joint pension savings: £55,425
  • beanielou
    beanielou Posts: 95,520 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Do you ever stop!!
    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.
  • KajiKita
    KajiKita Posts: 7,621 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    beanielou said:
    Do you ever stop!!
    I’m glad you asked that, Beanie!! 😉😂 I watch this thread with slight awe …..

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,338 Interest saved £5225 to date
    Fixed rate 3.85% ends January 2030

    Read 40 books of target 52 in 2025, as @ 29th July
    Produce tracker: £243 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
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