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Learning to walk before I run
Comments
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I think that is a big part of it CheeryFashion 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 family5 -
Work has been better, so your brain needs something new to fret about? If you're an over-thinker, then sadly I think you will always over-thinkedinburgher said:Not really sure why I'm frettingMortgage 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 -
Work has stopped being better already
5 -
As at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 62 books of target 52 in 2025, as @ 4th November
Produce tracker: £426 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 -
I do worry a lot (DH doesn’t really get it) and I know I make myself feel poorer by taking my savings out first and trying to live on the rest, but after I was threatened with redundancy I realised that no one is indispensable. Plus after some horrible work jobs, I appreciated the position I was in that I didn’t have to stay and could take the choice to leave. As a result I try to get myself to the best position I can so I can continue to walk away whenever I need to. But for that I need more savings, pensions and to pay down the mortgage and probably push myself quite hard on those.
Also DH is older than me and in the words of my mother “I refuse to continue working if he’s sitting around the house all day” 😂2025 decluttering: 5,307 🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅🌟🌟2025 use up challenge: 435🥉🥈🥇💎🏆Big kitchen declutter challenge 139/1502025 decluttering goals I Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 5009 -
I think the more under control and tracked my finances are, the more definitive my worries can be around that control to a certain extent. So less that I worry more and more that they have a clearer shape.Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
Current mortgage amount: £226,957.97
Start student loan 2012: £29,750; current student loan: CLEARED July 20258 -
Awesome chat, I love how a simple question sparks such high quality answers from this board

£9.24 OPed, no more financial good behaviour expected between now and Thursday
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Enjoy your break 🩷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 -
We are back, had a great time but my wallet hurts and we are absolutely exhausted! Train was delayed and I hope to claim about £60 as a consequence.
- £10.13 OPed
- £22.02 cashback from TCB, £20 to Home Maintenance, £2.02 to OP fund
- £10ish withdrawn from Prolific
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Glad you had a good time. Boo to your wallet.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
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