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Learning to walk before I run
Comments
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You’ll be getting stuck in and being part of the furniture in no time. For now, enjoy being the newbie! 😉
Glad it’s started well 😊
KKAs at 15.01.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £222,084
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 6 books of target 52 in 2026 as @ 18th January
Produce tracker: £29 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.6 -
So pleased to hear first day went well. Enjoy the slightly slower pace at first.5
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Just back from the nursery concert
DD2 looked absolutely adorable in a wee Christmas tree dress that Mrs E got her (even if she forgot to look ahead of her for half of the performance) 
Feeling very happy and festive, what a difference a year makes, I cannot remember the last time we had an event at the end of the school year where I felt this positive. DD1 was allowed to join us and it was lovely to sit as a family cheering on the youngest member
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Wonderful to hear Edinburgher 😁 just shows you the difference in your work environment can make a massive difference! Willow5
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That’s absolutely lovely Ed 🤩❤️
So very well deserved after such a tough time.
KKAs at 15.01.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £222,084
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 6 books of target 52 in 2026 as @ 18th January
Produce tracker: £29 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.6 -
Aww what a sweet moment! Thanks for sharing with your t'internet clan!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 End Date - Sept 2041 New projection - Dec 2039 (reduced by 21 months)3
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That’s lovely, glad the new job is going well.Mortgage OP 2026 £50/2000Mortgage OP 2025 £7700/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £33,546
Make £50 a month Jan £20
Boiler fund £925/3000
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)4 -
Have just done a present audit. Every year Mrs E worries we haven't got enough for the girls, then she remembers I've been shopping since February
Taking DD2 in to town tomorrow to see Santa
Also planning some last-minute stocking fillers for DD2 and Mrs E (DD1 is done). We're also meeting Mrs E for a tasty Greek lunch.- £11.17 OPed
- £21.10 withdrawn from Prolific and added to my personal spends
- £20 cashback received from the Spanish bank
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I am mortified! Drove into Glasgow and was delayed getting home, DD2 left standing outside 🫣 Luckily she is a clever girl and went back up the road to school. She was there was less than 15 minutes but I feel like such a **** parent 😅7
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These things happen. Don’t beat yourself up.edinburgher said:I am mortified! Drove into Glasgow and was delayed getting home, DD2 left standing outside 🫣 Luckily she is a clever girl and went back up the road to school. She was there was less than 15 minutes but I feel like such a **** parent 😅Enjoy your weekend.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.6
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