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Pay off mortgage and start having even more fun ๐
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So glad you are on the road to recovery! The new MF date sounds tantalisingly close now๐๐๐Mortgage OP 2025 ยฃ6750/7000Mortgage OP 2024 ยฃ7700/7000
Mortgage balance: ยฃ35,463
Declutter 12/244
Money making challenge ยฃ58/400
โDo what others wonโt early in life so you can do what others canโt later in lifeโ (stolen from Gally Girl)4 -
Make sure you keep the bamboo in a pot! It will run rampant otherwise and can even damage your foundations! Hopefully the โsadโ plants will perk up with a bit of tlc (my mum loves a sad plant and will nurture it back to life but is hopeless at keeping healthy ones alive! ๐)
So glad to hear youโre feeling better and staying rehab. Hope specialist can sort out the erratic heartbeat.
Great news on the mortgage - sounds like DH has finally realised itโs close enough to touch and is fully with you on the home stretch ๐Mortgage free 16/06/2023! ยฃ132,500 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 Hemingway4 -
ยฃ100/month sounds nice and doable as an extra OP to find. Looking forward to hearing all your chopping and changing to find it ๐!Mortgage start: ยฃ65,495 (March 2016)
Cleared ๐งโโ๏ธ๐งโโ๏ธ๐งโโ๏ธ!!! In 5 years, 1 month andย 29 days
Total amount repaid: ยฃ72,307.03. ยฃ1.10 repaid for every ยฃ1.00 borrowed
Finally earning interest instead of paying it!!!4 -
Wow, what will we do with no ng plans and diary ?ย ย
Daisy xxxx22: 3๐ 4โญ 23: 5๐ 6 โญ 24 1๐ 2โญ 25 ๐ ๐ฅโญ Never save something for a special occasion. Every day is a special occasion. The diff between what you were yesterday and what you will be tomorrow is what you do today Well organised clutter is still clutter - Joshua Becker If you aren't already using something you won't start using it more by shoving it in a cupboard- AJMoney The barrier standing between you & what youre truly capable of isnt lack of info, ideas or techniques. The secret is 'do it'4 -
You really are on the home stretch with the mortgage now. The rescued plants will be much happier now and the sun has finally decided to make an appearance!ยJune 2025 - part 1 - ยฃ19,145 part 2 - ยฃ21,973 Total - ยฃ41,118 29 months to go!3
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Thanks guys ๐
The bamboo is in a pot as we have a paved garden, we should really build some sort of long trough to go along the fence and let it spread to block out the neighbours ๐
Dh does seem a lot more keen to get rid of the mortgage now itโs getting closer, although Iโm a bit nervous that we are going to have different ideas about what to do with the extra, the worst thing is no plan! I certainly wonโt be going anywhere or stopping my diary, we may well end up moving anyway or doing the house up so will have after the mortgage plans, you donโt get rid of me that easily ๐คฃ
Well Iโm embarrassed to write the next bit considering my frugal stretch until the end of the mortgage but no point in hiding it, Iโve booked another cruise ๐ฌ Itโs mine and best friends 50th next Jan/March/June and we have been discussing what mini break we will do for a very long time now, Best friend suggested a mini cruise, she wouldnโt mind trying one and her dh doesnโt fancy it and I think she was trying to be kind as Iโm not keen on flying that much anyway let alone with things still up not right in the health department. I did say itโs next year I would hope Iโll be fine ๐
Long shot is, we are going on a cruise line Iโve never been on before whch is a bit more pricey, we have booked a cabin to share between the three of us and the extra drinks package (all have to have the same) so itโs an extortionate ยฃ993 each! and that was with voucher codes and discount for third person. The deposit was ยฃ75 which has come out of my personal spending pot and to be honest we will be mortgage free fingers crossed by the time I pay the balance, although I was thinking my vinted sales pot would be a good start towards saving for it as thereโs ยฃ329.50, perhaps after this week Iโll restart selling again, itโs all be paused for a while. I do feel a bit relieved the holiday plans are sorted now as we have really struggled to decide for so long ๐
Dh is at work this morning so Iโll pop and see mum (if they pick me up) the Afib has come back in the last few days quite a bit and Iโd not had it for weeks, so Iโve been trying to take it easy but really Iโve still been doing a lot more so today I will do! Next week Iโm at hospital/rehab every day but one ๐ฉ I ย managed to find a stitch that had been left in a few days ago, though it was just not healed until best friend said donโt be daft thatโs a stitch ๐ right on my neck as well (I try to not look closely at anything relating to the op!) low and behold a bit of black string was there, what an idiotโฆ.
Off to look at the finances now, will be back later ๐MFW 67 - Finally mortgage free! ๐๐4 -
Cruise sounds fantastic ๐๐๐ You're only 50 once, and your experience this year has shown you've got to enjoy life while you can, as you never know what's going to be around the next corner xMortgage start: ยฃ65,495 (March 2016)
Cleared ๐งโโ๏ธ๐งโโ๏ธ๐งโโ๏ธ!!! In 5 years, 1 month andย 29 days
Total amount repaid: ยฃ72,307.03. ยฃ1.10 repaid for every ยฃ1.00 borrowed
Finally earning interest instead of paying it!!!4 -
Something lovely to look forward to and something positive to do with the extra money.ย
Maybe for the first few months put the money away as normal, half to you, half to dh and it can sit in your personal spends for exactly this sort of thing.ย Each of you can do whatever you want with it.ย That way you both get to treat yourselves but within an agreed limit that doesn't affect what you decide to do in the future.ย ย
Dxx22: 3๐ 4โญ 23: 5๐ 6 โญ 24 1๐ 2โญ 25 ๐ ๐ฅโญ Never save something for a special occasion. Every day is a special occasion. The diff between what you were yesterday and what you will be tomorrow is what you do today Well organised clutter is still clutter - Joshua Becker If you aren't already using something you won't start using it more by shoving it in a cupboard- AJMoney The barrier standing between you & what youre truly capable of isnt lack of info, ideas or techniques. The secret is 'do it'4 -
Exciting stuff, NG with the mortgage nearly gone and a cruise booked! Hope you're all recovered ASAP xMortgage Balance as of July 2025 ยฃ14,900.
Starting Mortgage Balance (June 2019) ยฃ72,000.
Aiming to be mortgage free by my 40th birthday, June 2026!4 -
all good news over here - and I LOVE courgettes especially braised
Never tried making soup but I do have some in and HM stock in freezer so I might try this week.
The cruise sounds fabulous and exactly what you should be doing for your 50th!DON'T BUY STUFF (from Frugalwoods)
No seriously, just donโt buy things. 99% of our success with our savings rateย isย attributed to the fact that weย donโt buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff.ย ย ย Money doesnโt walk out of your wallet on its own accord.
https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest5
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