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Getting shot of the mortgage sooner than 2049!

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  • In further defence of our gift giving, we only give gifts for each other’s birthday and Christmas. 

    Valentine’s, our anniversary, Mother’s Day and Father’s Day are NOT shop bought gift-worthy holidays here. We do handmade cards (both from the kids but we also both make cards ourselves, it’s cute as is the only time Red crafts 😂). And we have a rule about writing proper long messages inside them.

    Sometimes the special person gets a lie in, a cake baked or a special dinner made - if we’re feeling flush we may buy a bottle of something to celebrate or occasionally order a takeaway for valentines. But we definitely save money on all these occasions as I know lots of women who get jewellery etc for anniversaries and Mother’s Day. I’m quite happy with a handmade card though 😆
    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
  • KajiKita
    KajiKita Posts: 7,661 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Ah, okay, written out like that it makes sense. I had forgotten the child-factor (not having any myself), I hope you don’t feel I was picking at you? 

    Better luck with the car this month!! 😉

    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 = £11,816 Interest saved £5,28 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. 
  • Of course not, it’s a very valid point and I’ve had many good tips from commenters on here 🙂 it’s always good to challenge assumptions and try to look at things a different way.
    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
  • KajiKita
    KajiKita Posts: 7,661 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    That card is beautiful 🤩 

    The one thing I quite enjoy doing is turning Christmas cards into present tags for the following year. They are a lot bigger than the shop bought ones and I get to write something meaningful on the tag related to the gift. I put them away in the spare room in the same plastic box as the Christmas cards and the crackers that Mr KK insists we have …. 🙄😂😉

    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 = £11,816 Interest saved £5,28 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
    edited 1 January 2023 at 5:57PM
    Happy New Year all 🙂

    Nice chilled out day - we all pitched in taking down the Christmas decorations (takes ages as we have so much up 😂) and went for a lovely walk on the canal.

    Stats for 2023

    Books read: 1 (ok, I started it the other day but they get counted when they are finished, not started!)

    Hours outdoors: 1.5

    Emergency fund: £2,284.74 / £7,200 (doesn’t include the Help to Save money) 

    Craft projects complete: 0

    Daily phone use hours: 2hr 25 min (eek!)

    Spending today

    £29 Monkey’s football
    Monthly direct debit 

    £348.61 Annual car insurance 
    Unavoidable but large expense for the first day of low spend month 😂

    £3.79 Stormsure welly repair glue 
    In a bid to avoid buying both kids new wellies
    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
  • KajiKita
    KajiKita Posts: 7,661 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Ooh, there exists such a thing as welly repair glue …..? I never knew that! Does it work well?

    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 = £11,816 Interest saved £5,28 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
    @KajiKita I’ll let you know once I’ve tried it! 😆
    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: 6,265 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Happy New Year @Bluegreen143 and family, may 2023 be everything you wish for.
    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 
  • Bluegreen143
    Bluegreen143 Posts: 3,704 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Another chilled out day today 🙂 I think I’m denial about having to go back to work on Wednesday though! I’ve so enjoyed this time off. 

    Managed to do quite a bit of tidying. Our downstairs looks great, and much bigger now we’ve put away all the Christmas stuff. Also spent some time in the garden tidying up and pruning fruit trees 😁

    Frugal wins

    1. Our eight seater dining table has always been a tiny bit big to comfortably fit in the space we have (and we only have four chairs at it anyway!), so it’s a bit of a squeeze between it and the kitchen island, if more than one of you is going past. Red persuaded me to let him shorten the table today (it’s a really lovely, and not cheap, solid wood table so we don’t want to replace it). The whole dining room actually looks so much better and more spacious and you can’t tell where he’s shortened it because he’s put that side against the wall (he is going to carve the end to match the other end but for just now it’s plain). So it’s a little project that cost us nothing 🙂

    2. Made lentil soup and homemade bread for dinner.

    3. Baked a tray of flapjack for Monkey’s school snacks once he’s back. 

    Stats for 2023

    Books read: 2

    Hours outdoors: 3

    Emergency fund: £2,284.74 / £7,200

    Craft projects complete: 0

    Average daily phone use (this week): 3hr 8 min (eek!)

    Spending today

    £6.99 Netflix

    £160 Car loan
    Repayment to my mum - new loan balance £4,860
    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
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