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Pay off mortgage and start having even more fun 😁
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            One of the reasons I want to change the stairs in our house is that as well as making them less steep and look better is there would then be enough space for a stair lift ...
 
My brief time at a living aids company made me understand that there are all kinds of reasons why people would need support in living well and sometimes long before old age. I think it's made the idea of using those aids far less 'alien' and there are some out there I didn't even know existed before.
 
KKAs 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 60 books of target 52 in 2025, as @ 30th October
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.3 - 
            
I didn't purchase sweets the past couple of years now DD is older. On reflection this year has made me feel like such a scrooge. Having always worried about money I've never loved Christmas and Halloween and easter...and all those other joyful events that cost money.newgirly said:Time for another spending update, I should do it later really as I’ll be going to ald! after I’ve had breakfast with friends 😆 yesterday I spent £9.98 so new total is £681.39/£1000.
Dh has gone to work this morning and I’m out, not sure what we will do this afternoon but I want to finish my yearly budget from now until the end of next year. There’s so many things we have committed to pay for that need to be worked out, as it’s Black Friday month we may well get some small discounts on certain things for the trips we booked next year like Wi-Fi etc. so I’ll prioritise that first. We never used to get it but the last few cruises I’ve had it and I’m so much happier being connected and as I tell dh I don’t drink so I have internet instead 🤣
No trick or treaters yesterday as I didn’t buy sweets this year so shut the curtains, how miserable! We usually have probably around 15-20 knock if we do make an effort. I did spot a huge inflatable T rex walking past as I was shutting the curtains so regret being such a humbug. Such fun when having young kids when it’s Halloween. I remember years ago throwing parties for them and their friends, it did eventually get rather big as one year we had 63 people for a proper party, it took me a week to decorate the house and cover all the walls with those scenes setters, I think we had a haunted house and a dungeon disco in the conservatory- great times! I doubt if I know 63 people now though 😆 instead I went to bed early and watched the film scre@m.
Thistime next year I should be almost debt free, So next year I am going to aim to be less bah Humbug. I shall decorate and buy sweets and enjoy the happy faces of the little ones. Children are such joy and I need to stop avoiding that joy.Unsecured debt at Worst June 2024 - £47,772.48Current unsecured debt Oct 2025 - £17,421.63Debt gone forever - 17 months - £30,350.85 (63%)Debt free date goal March 20273 - 
            Love that idea watty. Discrete but useful (before we moved here i decided we would have a chute from the end of the gallery opposite to the end with the stairs !! Such fun as miranda would say 😆. Haven't got round to it as in reality we didn't have quite as much room as we thought there was going to be.)
Ng that's really hard. I'm youngest and my ideas were always discounted until they spoke to my oldest brother so I understand that dynamic all too well.
Dxx22: 3🏅 4⭐ 23: 5🏅 6 ⭐ 24 1🏅 2⭐ 25 🏅 🥈⭐ 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'1 - 
            kk I believe the straighter the stair, the cheaper
We got 'caught' using a stairlift in a Victorian type house that was holiday flats. Mr d was 'whizzing' upstairs at 0.2 miles an hour and we were both giggling away when folk came out one of the other flats 😆
I agree its not always about old age. Injury temp or permanent, arthritis, long covid or any other debilitating illness can affect mobility, grip strength and enthusiasm for awkward living
Dxxx22: 3🏅 4⭐ 23: 5🏅 6 ⭐ 24 1🏅 2⭐ 25 🏅 🥈⭐ 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'2 - 
            I remember clearly when I got my wet room a number of years ago someone was horrified that I was devaluing my house. Even if I was it made life easier for me and much safer. I have lots of handrails and grab rails. Anything to try to prevent so many falls.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.3 
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