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Mortgage free in Forever Home :-)
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Sending vibes for a good strong ending here! Do get straight in here and tell your cheerleading squad how it went!2
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Well it went on for along time! We were chatting for 95 minutes! 😂
I like him and I would be a big fish in small pond with lots of easy wins, there. There would be a lot of H&S stuff to do, but actually none of it too dry or legislation based - a lot of really simple stuff such as housekeeping etc. He’s got another candidate to see on Monday but he was upfront and said that atm I was his lead candidate, with my experience, background and energy.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 40 books of target 52 in 2025, as @ 29th July
Produce tracker: £243 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.14 -
Brilliant, well done 👏4
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95 mins - ouch! Well done Mrs Energy; fingers crossed for you x
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all sounds very positive, Fingers crossed you will get a good offer x
♥️ ♥️ ♥️🌸🌸🌸🌸🌸🌸🌸🌸Decluttering 2025 So far 403 / 2025
Decluttering 2024🏅🏅🥇🏅🏅🏅⭐⭐⭐🌸 DS2🏅🏅DD🏅🥇🌸
25 in 25 So far 1 /25
⭐My rambling savings Diary ~⭐2 -
Sounds so promising.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 -
Ooh that sounds positive !Sealed pot challenge 822
Jan - £176.66 :j1 -
sounds great! Is it a nearer commute as well? and is salary commenurate with current role?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 -
Thanks @PennysIntoPounds, @Brewerspride, yes I was getting pretty tired towards the end, @~FlowerPot~, @beanielou, @dawnybabes, @LadyWithAPlan. Initially his absolute top budget was £1.5K less than I’m on now but he was talking about giving me a car allowance that would top up my wages. There is a full profit share system that operates in the business, but we won’t see that before next year at the earliest.I have a hesitation but I can’t put my finger on it. Maybe it’s because it is a small business (55 people atm) and it will be so dependent on the way the site manager behaves. I’ve been in that situation before and it wasn’t good. But I got on well with him last night when we were both tired. But there are so many positives (better pension, much shorter commute, flexible working, far more interesting job, genuinely being needed not just being a technical skivvy, as I am at the moment). I will sit with it and probably talk it through with a work mentor I have. It might also be a lack of faith in my own judgment after taking my current job ….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 40 books of target 52 in 2025, as @ 29th July
Produce tracker: £243 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 -
All sounds positive and I think the £1.5k less will be made up for with car, quick commutes and more time for yourself. Hope he comes back with a firm offer for you!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
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