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Learning to walk before I run
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13,500 steps and I'm knackered. Went to the park this morning, cut down a tree, cut 80% of the grass, 4 loads of laundry done. No more good behaviour!
Mrs E took the girls out for a return to school/nursery haircut and while they both look fab (particularly DD1, who had more done and looks like a blimmin' model), £36 was more than I'd expected. Not that it's unreasonable, I'm £17 including a tip at my old man barber 🤷🏻♂️
Have a few £ to OP later, no real financial news otherwise, staying off the overtime as promised 😉8 -
Whoop whoop! Our mortgage now starts with a 1! It's not even £199,000, it's £198,xxx£6.98 OPed.£5 sin tax paid into my SIPP (should be IRO £7.50 after tax relief/tax code adjustment next year etc.)13
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What a great milestone to pass!5
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Oh that’s fabulous 😊👏🎉🥳🎊
KKAs at 15.09.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £230,969
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 56 books of target 52 in 2025, as @ 4th October
Produce tracker: £417 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.6 -
edinburgher said:Whoop whoop! Our mortgage now starts with a 1! It's not even £199,000, it's £198,xxx£6.98 OPed.£5 sin tax paid into my SIPP (should be IRO £7.50 after tax relief/tax code adjustment next year etc.)I am the master of my fate; I am the captain of my soulRepaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NILNet sales 2024: £206
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Great news on the mortgage, Ed 😀!
P.S. My haircuts have somehow crept up to £58 (every 6 weeks 😳), so it could be worse!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 -
Dearest Ed - are you prepared for the cost of make-up and nail-polish? You might do better setting the overpayments aside in a vanity fund 🤣🤣🤣
Well done on bringing that mortgage number down - I love the snowball effect!4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)(With heartfelt thanks to those who have gone before us & their indubitable generosity.)...and now I have a mortgage! (23 AUG 2021)New projection - 14 YEARS 7 MONTHS LEFT OF 20 YEARS (reduced by 17 mths)Psst...I may have started a diary!8 -
Great milestone. Fantastic.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.5 -
Wahoo 🥳. Welcome to the dizzy heights of the 1’s 😄. I am desperately trying to escape them!2025 decluttering: 5,225 🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅🌟🌟2025 use up challenge: 391🥉🥈🥇💎🏆Big kitchen declutter challenge 132/1502025 decluttering goals I Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 5004
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Well done re mortgage milestone 👏4
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