We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 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!
Mortgage free in Forever Home :-)
Options
Comments
-
If they're not in a union they need to get in one quickstep!
Congratulations on your new to you pink teatowel 😁4 -
Thats official...f0xh0les said:First blame everyone else, then realise it is not them that was the problem.
Hope its not giving you flashbacks..
I am not a fan of tempeh..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#latest3 -
Mildly. I found myself a bit wired, in hyper-mode, ready to share ALL THE KNOWLEDGE, so I took myself into the office after my shower and typed it all out, to download my head. I then dosed myself with the herbal sleep aid that I started using at the end of my time at my old employer - managed to sleep well.LadyWithAPlan said:
Thats official...f0xh0les said:First blame everyone else, then realise it is not them that was the problem.
Hope its not giving you flashbacks..
I am not a fan of tempeh..I was a bit scared of it as I had read so many negative things about it. The brand I picked up said that it didn’t need boiling to get rid of the bitterness and I found it inoffensive. I had it on a base of spinach in a cheez sauce with a cooked tomato on the side (an unintentionally vegan meal 😊). I think I would cook the tempeh more next time to make it crispier.KKAs at 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,816 Interest saved £5,28 to date
Fixed rate 3.85% ends January 2030
Read 41 books of target 52 in 2025, as @ 9th August
Produce tracker: £272 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.7 -
Not a fan of tofu or tempeh here so sorry that the workplace dramas from an ex-colleague have rattled your new found calmness about the place. I wonder if in the long run it might be helpful though? In reassuring every part of your subconscious that your outcome had nothing to do with you whatsoever and is a result of the toxic workplace and incompetence therein.
Hugs xMade 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 !!3 -
I LOVE your pond KK!
I had a nice pond in the last house but I wasn't very good at maintaining it, hopefully its new owners know what they're doing with it
I don't like tempah, have tried it a few times now and just can't seem to get on with it, same for seitan. Tofu however we love here, especially as it takes on the flavour of whatever you're cooking - have you tried making your own tofu? I made some with red lentils and it came out really well, super healthy too.
Old workplace- I am still catching up on that bit of your diary, but I feel like it turned as toxic as my old workplace - I will catch up though on that.MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200.
Total- £1162.23
Goal pay off 1% of current mortgage in 1 year. £1200. (96.83% there)
EF- first goal £300
2 -
LOVE your pond.
I too haven't read exactly what went on in your old workplace, but sounds like it's for the best you no longer work there! Sympathies to your ex-colleague and I hope he manages to find a great new job somewhere else.Part time working mum | Married in 2014 | DS born 2015 & DD born 2018
https://forums.moneysavingexpert.com/discussion/6542225/stopping-the-backsliding-a-family-of-four-no-longer-living-beyond-their-means/p1?new=1
Consumer debt free!
Mortgage: -£128,033
Savings: £6,050
- Emergency fund £1,515
- New kitchen £556
- December £420
- Holiday £3,427
- Bills £132
Total joint pension savings: £55,4252 -
I have been reading through your diary. Best Wishes for getting your dream jobI am a Senior Ambassador on the Competitions Time Board and the Old Style MoneySaving Board.
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.
My Diary Link My Frugal Year 2023 My Frugal Year 2023 — MoneySavingExpert Forum
My Challenges
Make £2023 in 2023. £3.16/£2023 Make £2023 in 2023 — MoneySavingExpert Forum
Compers Challenge 2023 0 Wins Compers challenge 2023! — MoneySavingExpert Forum
2 -
@Watty1, it was quite cathartic to talk it all through with him from his perspective. He kept saying how utterly dysfunctional the place is …. 😉
@debtfreewannabe321, interesting isn’t it. The only tofu I can tolerate is smoked tofu. The rest are so bland and I have yet to find a flavouring method that actually does FLAVOUR it! 😉 Please share all hints and tips for rendering tofu edible please … 😉 Sietan is just a bit weird … Glad that both you and @Bluegreen143 are vicariously enjoying our pond 😊
Thank you @I_Love_comps 😊 I hope the diary read wasn’t too dry! 😉
Ex colleague is fine. I think he saw it coming as his team absolutely malletted him in the recent site engagement survey and his team as a whole hasn’t been performing that well … Also, I discovered this morning that he is financially secure enough that he doesn’t actually need to work - in his late 30s, very obscure electronics specialism, lived frugally and has low £millions in stocks, shares and pensions! He’s always been quite emotionally detached from what he was doing and I suspect this financial security might partly explain it. He wants to work again as he wants something to do so I told him that as he has no *need* to work for security he needs to identify something that awakens a spark of excitement in him. Let’s see how it pans out for him 😊
I was able to explain the process to him, what steps would happen in what order and I think he found it genuinely useful. He was quite touched that I had typed up all my thoughts as notes for him. 😊
KK
As at 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,816 Interest saved £5,28 to date
Fixed rate 3.85% ends January 2030
Read 41 books of target 52 in 2025, as @ 9th August
Produce tracker: £272 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.10 -
You are always thinking of other people. 😍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 -
You are a star for helping an ex-colleague ⭐️
love 🐞
Grow your own: £14.665
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 351.2K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.7K Spending & Discounts
- 244.2K Work, Benefits & Business
- 599.2K Mortgages, Homes & Bills
- 177K Life & Family
- 257.6K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards