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
-
Happy MSE anniversary from me too🎉🥂🎉Mortgage OP 2026 £0/2000Mortgage OP 2025 £7700/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £33,821
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 -
Congratulations @KajiKita; you are a wise, uplifting presence on the boards. Love Humdinger xx4
-
4th mfwversary! Wow glad you feel more financially secure !!Impressed with the daily exercise as well !!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#latest4 -
Thanks @beanielou, @skint_spice. You are very kind @Humdinger1 😊❤️
Wow, an exercise compliment from the Warrior that is @LadyWithAPlan 😊🤩
Did do the squats and weights (with an extra set this morning 😊) but low steps today at 6.1K due to the site I was at and the weather! rain ☔️ 😂 Changed my bed and tidied the kitchen before leaving for work. Eating pretty good.Had an interesting couple of days at work. Yesterday was pretty stressful and I was being told, quite a lot, that I was doing things wrong / she was changing how the hand over should happen between us without warning etc. Had a bad night; lots of anxiety about EVERYTHING (work and non-work!). Finally got back to sleep and woke up feeling focused and determined … Not sure how. 🤷♀️
Today, I got into focused, high level, demanding, technical work (preparing intelligible and thorough FAIR (First Article Inspection Report) templates from complex customer drawings) and helping my Technician swiftly negotiate the change curve of shifting customer expectations, that I and the rest of the team at the main site went through last week, and so become effective at also preparing a FAIR template for one of the subassemblies. Spoke to the handover colleague a couple of times through the day and she thanked me for the work and said we were making good progress - compliments from her are like 🦄 🥚🥚🥚 🤩 I have come away feeling properly effective and positive for the first time 😊
Whilst cooking dinner tonight, I got the shoes trays installed for myself and Mr KK in the conservatory. Here’s hoping they make a difference to the mud and grit spread … 🤞😊
Nice session on my tapestry with a dose of V0yager this evening, very civilised 😊
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 80 books of target 52 in 2025, as @ 25th December
Produce tracker: £457 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.9 -
Glad you winning and you have a destresser in the tapestry, Mr KK, the garden and Chloe!
I like being called a warrior - not sure why though! (maybe it was walking 5 miles in the sleet to my gym in November?KajiKita said:Thanks @beanielou, @skint_spice. You are very kind @Humdinger1 😊❤️
Wow, an exercise compliment from the Warrior that is @LadyWithAPlan 😊🤩
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#latest4 -
Very tired today. Had another disturbed night last night, thanks to the storm this time! 🤷♀️😂
No weights or squats this morning but did get out for a lunchtime walk - 10.7K steps 😊
Fuelled the car before work and tried to buy myself a sandwich for lunch as a treat … Not a veggie option to be seen! 😳🙄 So I took myself deeper into the shop and bought myself an olive roll, a piece of mozzarella and a snack pack of pistachios 😊 Only cost me £2.40 for all of that AND I paid for it by pouring all my purse shrapnel into the self service till until it told me to stop! 😊😂 (A great tip I picked up a few days from the boards 😊).Drove home, in the dry and almost in the daylight 🤩❤️ Had a nice evening in front of the wood burner and we’ve just watched Monty’s latest episode. It led to a really good conversation about the garden. I think we might end up taking out a tree … There will be further discussions tomorrow, in the daylight …. 😊
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 80 books of target 52 in 2025, as @ 25th December
Produce tracker: £457 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.6 -
Woken up feeling odd. Very headachy, tired and wobbly. Also seem to have a toothache that is swopping places between my upper and lower left jaw …? Really wanted to make the most of the brightness and relative warmth in the garden today … not sure that will happen.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 80 books of target 52 in 2025, as @ 25th December
Produce tracker: £457 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.4 -
Hope as the day progresses you feel better
love 🐞
Grow your own: £14.662 -
hope you feel better soon. Sending hugsMade 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 -
It sounds as if you need a rest. It may be frustrating to miss out on outside time, but try to enjoy looking at it from inside with a hot drink and a cat.1
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
- 246K 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