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Mortgage free in Forever Home :-)
Comments
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Had mine for over a year and am yet to get a penny!!! OH too!!Cheery_Daff said:Nope, nor me 🙄 glad your living room is looking more like a living room though!I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe, Old Style Money Saving and Pensions boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.
Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board: https://lemonfool.co.uk/financecalculators/soa.php
Check your state pension on: Check your State Pension forecast - GOV.UK
"Never retract, never explain, never apologise; get things done and let them howl.” Nellie McClung
⭐️🏅😇🏅🏅🏅
STRUGGLING DURING THE HOLIDAYS??
click here for ideas on how to cope....Some websites and helplines if you're struggling this Christmas — MoneySavingExpert Forum1 -
How exciting! Curtains
Great its nearly there for Dec.
I just checked my PB and I also won £25 ... but I am v below the lucky rateDON'T BUY STUFF (from Frugalwoods)
No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t 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. Money doesn’t 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#latest2 -
Hurrah for curtains. Makes such a difference to the temperature.
Hope you have a smooth trip.My mortgage free diary: +++ Divide by Cucumber Error. Please reinstall universe and reboot+++
GNU Mr Redo2 -
Sorry @beanielou, didn’t mean to make you feel mis …
Glad I’m not the only one that hasn’t won big yet! 😂
Long day, but now safely ensconced in my Eindhoven hotel room, fed and showered. My solo travelling confidence took a real hit after my last work trip which was so horrid, so having this one go reasonably smoothly has been a real relief. I get a lie in tomorrow as I won’t be collected from the hotel until 8.30am - I’ve usually been in work for an hour by then! 😉 But I know tomorrow will be a long day so I shall pace myself.
Off to swoop through everyone’s doings … 😊
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- 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 1 books of target 52 in 2026 as @ 1st January
Produce tracker: £8 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.5 -
Hope all goes well 😊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.1 -
I hope the rest of your trip continues to go smoothly.Mortgage OP 2026 £50/2000Mortgage OP 2025 £7700/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £33,546
Make £50 a month Jan £0
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)2 -
Hurrah for curtains, hope you enjoy the trip - and - what is the lucky rate on the PB?Made it to mortgage free but what a muddle that became
In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!2 -
MSE Premium bond calculator on this site which tells you how lucky you areWatty1 said:Hurrah for curtains, hope you enjoy the trip - and - what is the lucky rate on the PB? You add in (an average ) of how much you have in there and it tells you .. I should have won if averagely lucky £500 but only won £275 DON'T BUY STUFF (from Frugalwoods)
No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t 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. Money doesn’t 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#latest2 -
Nearly spat at my coffee at eau de sileage!!
Hope trip is going well. All caught up...Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.3K Equity 36.55%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
(If took bigger lump sum = 62K or 48.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5.1K updated 14/11/251 -
Sorry! 😂😂😂😂😉savingholmes said:Nearly spat at my coffee at eau de sileage!!
Hope trip is going well. All caught up...
Work trip has been intense with long days (8am to 9pm) and not sleeping well as I never do when I am away. But, it has also been productive, positive and engaging - compared to the first one I did when I first joined the company, I have really enjoyed it 😊
No surveys whilst I was away as they are freaking out about me being in foreign climes 🤷♀️😊
Very looking forward to going home tomorrow….
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- 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 1 books of target 52 in 2026 as @ 1st January
Produce tracker: £8 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.4
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