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Learning to walk before I run
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lol @KajiKita - we are all invested! - that's the beauty of this corner of t'internet
I'm all for Ed escaping his nightmare manager!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 8 MONTHS LEFT OF 20 YEARS (reduced by 16 mths)Psst...I may have started a diary!8 -
I think we are all for that
Made it to mortgage free but what a muddle that became
In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!5 -
So many positive vibes your way.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.4 -
Technology and unplanned purchasing decisions are frustrating me.
1. After ordering and then cancelling mobile broadband, the supplier is yet to send me a returns code, so I'm stuck with it for now. Can't really bear another Indian call centre
2. Mounjaro order has gone through but it will mean virement of over £4003. My mobile phone recently decided it wasn't going to restart after an update. I got it working again and hoped for the best. The best is not happening and it fell over again today, taking me 2 hours to restart it in safe mode. I've ordered a new to me refurbished phone but this was another £160 (phone/case/screen protector). I'm pleased to have finally bought a refurbished phone but I'd rather have my £££ back
On a more positive note, I've been paid (highest single wage ever) and I've made a few £ on Prolific. Work is ticking over nicely.*Edit: financial plaudits for the day definitely go to Mrs E, who is getting a 10% bonus for her exceptional performance at work this year. Even with p-t hours, it's £3,000+ Won't be paid for 6 weeks or so but nice to see on the horizon.6 -
Well done to Mrs Ed on her bonus! I hope she gets a little budgeted for a treat or two to celebrate!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 8 MONTHS LEFT OF 20 YEARS (reduced by 16 mths)Psst...I may have started a diary!3
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Bravo to Mrs Ed!
If she selflessly puts all of that in the home improvements pot and then flutters her eyelashes at you to match it, you could be in trouble ... !
Frustrating about the BB and the phone, but I'm glad work is calm and sensible for now
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,048 Interest saved £5,675 to date
Fixed rate 3.85% ends October 2030
Read 43 books of target 52 in 2025, as @ 17th August
Produce tracker: £299 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.5 -
@rtandon27 - She will do
@KajiKita - You're forgetting that I front-loaded our budget with my £6,000 inheritance - granted that hasn't been allocated to a budget line yet!
Spoke too soon about work - boss is being mental (reviewing unfinished reports despite recognising that they were sent to them in error). I have pushed back by saying I'm not going to re-write something based on an error detected before the review process started!
Ps. "mental" is not meant to insult anyone with MH issues, it's purely descriptive of my boss
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Ah, I'd missed the £6K altogether!
Oh dear to your boss ... Sounds like you are managing upwards well ...
(Every day I become more grateful for my current boss, who in spite of acerbic outbursts of frustration (not directed at me!) is pragmatic, engaged, constructive and funny.)
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,048 Interest saved £5,675 to date
Fixed rate 3.85% ends October 2030
Read 43 books of target 52 in 2025, as @ 17th August
Produce tracker: £299 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.4 -
Ha - we all take the mental descriptor in the spirit in which it was intended!
If it is any consolation, don't forget that Karma comes back to bite them in the posterior when we all least expect it! Mine will be off for September due to 'health' issues.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 8 MONTHS LEFT OF 20 YEARS (reduced by 16 mths)Psst...I may have started a diary!4 -
I remember bonuses 😥 Well done to Mrs EMortgage 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
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