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Learning to walk before I run
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It looks like I will be starting my new job on the 8th
A big boy conversation has taken place in the background and positions have shifted. Reading between the lines, baby has been allowed to have his bottle, but it has been a small portion
Now I actually feel like a can celebrate! 9 or 10 days to go!13 -
8th of December! - you lucky so-and-so - woo hoo - little virtual dance round the kitchen for you!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)Original Date - Sept 2041 New projection - Jan 2040 (redcuced by 20 months)4
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Ooh that’s excellent news, Ed!Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days
'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway5 -
Oh wonderful news 😊
You’ll get a week or two to acclimatise to the new working hours, people and office and then you can have a complete mental break over Christmas 😊👏
KKAs at 15.11.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £228,473
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 70 books of target 52 in 2025, as @ 29th November
Produce tracker: £442 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.7 -
Most fantastic news 🥂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 -
Yay! Official countdown can begin!Emergency Fund- £717.775
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Ooh - that's a good bit of news!! 👏👏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: £205
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Excellent news ed! 😃😃5
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Fantastic news edFashion 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 -
An exhausting day. Up at 05:30, in the office, managed to close down all remaining information rights requests that were sitting with me, leaving just a huge stack of complaints files to address. Then three hours of overtime.
I am absolutely scunnered now
To be honest, I could probably do with quitting the overtime now, but I'm trying to make the last few £££ before stepping back until the next financial year (maybe entirely). I find it hard to step back from extra earning (scarcity mindset from LT mini budget?) - the pay increase from the new job will only cover DD2's extra childcare until pay increase next April. Much of that will be swallowed by tax owed from last tax return. Things are getting better, it just takes time.
On the positive side, I got to delete a folder from my desktop that represented a workstream that has been 1/3 of my job for the last 7 years. I may never do it again! 8.5-9 days to go
£6.25 OPed.11
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