We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
The MSE Forum Team would like to wish you all a very Happy New Year. However, we know this time of year can be difficult for some. If you're struggling during the festive period, here's a list of organisations that might be able to help
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Has MSE helped you to save or reclaim money this year? Share your 2025 MoneySaving success stories!
Mortgage free in Forever Home :-)
Comments
-
I have two beautiful very fine crystal champagne saucers I got in 1982. Only 2 left of the six but they are so beautiful.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.2 -
Hi KK Sorry you are feeling up and down. You are not alone - and you are valuable regardless of whether you are currently in paid employment.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 14/11/253 -
Thank you so much x ❤️savingholmes said:Hi KK Sorry you are feeling up and down. You are not alone - and you are valuable regardless of whether you are currently in paid employment.
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 0 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.3 -
The whisky glasses scene has warmed my cockles too 😊 Well done you, and for having a rest day albeit a productive one- right back atcha from my diary with get you, cleaning the loo and bathroom before the weekend! 😁3
-
Sounds like we are sharing the same cupboard...Cheery_Daff said:We don't need to redo the kitchen, but we do need to find something sensible to do with plastic tubs - they're in a corner cupboard with a rounded door and they just spring out in a giant jack in the box style booby trap 😂
Well done on the Mr KK gift giving
Glad you feeling better.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#latest1 -
I must admit, getting up this morning and knowing that was done, was SUCH a relief! 😊PennysIntoPounds said:The whisky glasses scene has warmed my cockles too 😊 Well done you, and for having a rest day albeit a productive one- right back atcha from my diary with get you, cleaning the loo and bathroom before the weekend! 😁
Thanks @LadyWithAPlan 😊
Today’s Big Adventure will be to help Mr KK with the big fridge swop over, wrangle Toscos and a tip run … Ooh, the glamour! Wish us luck … 😉
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 0 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.6 -
@KajiKita you are indeed valuable whether currently in a paid role or not; @savingholmes is as ever right. The whole process is taking longer than ever before; I'm hearing this across the piece: new graduates to those well established. You're doing brilliantly and making good use of a bonus period when you can sort things out. Love Humdinger xx3
-
Your experience is very reassuring - thanks for sharing that, I really appreciate it.Humdinger1 said:@KajiKita you are indeed valuable whether currently in a paid role or not; @savingholmes is as ever right. The whole process is taking longer than ever before; I'm hearing this across the piece: new graduates to those well established. You're doing brilliantly and making good use of a bonus period when you can sort things out. Love Humdinger xxI think Mr KK and I are both enjoying ‘sorting things out’ - after 5 years we have a far better appreciation of how we want to live here 😊
Fridge is in! 😊👏 Just giving it an hour or so for the gases to settle before we turn it on. I am such a non-housewife, that I am DELIGHTED by having an absolutely spotless fridge with no actual cleaning effort! 😉😂 Though I did have to give the unit frame underneath where the old fridge was sitting a very good scrub to clear the black mould from there … The seal is much better - you can hear it ‘sucking’ when you open the door, so hopefully it will be far more energy efficient. Done the 5 year parts warranty registration thingamee too and politely declined the offer of a monthly payment for further warranty 😉 In the midst of it all, I wrangled Toscos 😊💪
Now having a brew before Mr KK starts on the divider in the cupboard next to the fridge. I am then dragging Mr KK down to the chapel for the pre Christmas get-together - I’m sure that some people thinking I am imagining a husband! 😉😂
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 0 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.8 -
An imaginary mr KK quite boggles the mind3
-
I don't know... it could explain quite a lotWelshmansDaughter said:An imaginary mr KK quite boggles the mind 5
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 353K Banking & Borrowing
- 253.9K Reduce Debt & Boost Income
- 454.8K Spending & Discounts
- 246.1K Work, Benefits & Business
- 602.2K Mortgages, Homes & Bills
- 177.8K Life & Family
- 260K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards