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Learning to walk before I run
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I would live in North Berwick if I had the money. As I don’t I will stay here.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 -
One of the competitors on Glad1at0rs tonight was from Galston - which I've looked to see, and as you'll know - is north of Ayr. If I was in that neck of the woods, I would love a bag of chips at the beach, and an ice-cream on the way home! 😁 The lass didn't win, but she did Scottish Farmers proud 😁👍
Greying XGrocery Spend January 2026 £175.39/£300
Non-food spend January 2026 £20.32/£80
Bulk Fund 2026 Month 1/12 - £0/£1203 -
I do live in that neck of the woods. Not a fan of chips or ice cream but we do have many lovely coffee shops, restaurants and even a cat cafe if that’s your thing.
Biased because my eldest did very well but I think the schools are good.
I have a 5 bed detached house. Decor is still dated but I wouldn’t have anything like this in other parts of the country.
On the coast, lots of greenery. What’s not to love?2017 - mortgage of £140,000 and interest rate of £10 a day
Feb 2021 mortgage of £103000
July 2021 mortgage of £97000
November 2021 mortgage of £93000
December 2022 mortgage of £79000
December 2023 mortgage of £73000
March 2024 mortgage of £70000
May 2024 mortgage of £68000
October 2024 mortgage of £65000
February 2025 mortgage of £63000
March 2025 mortgage of £45000 and interest of £6.07 per day
November 2025 mortgage of £41000 and interest of £5.62 per day6
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