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 Merry Christmas. 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
-
Fantastic work, well done KK 🥂👏🏻Emergency Fund- £717.77
New Diary- https://forums.moneysavingexpert.com/discussion/6647063/investing-in-us-holidays-health-and-the-road-to-150k#latest3 -
Well done🎉Mortgage OP 2025 £7700/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £33,821
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 -
well done on the feedback - well deserved! and well done on the OPs as well, nice to see the hard work paying offStart mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
Current mortgage amount: £226,957.97
Start student loan 2012: £29,750; current student loan: CLEARED July 20253 -
Thanks for the cheering on @debtfreewannabe321, @skint_spice, @Merlin's_Beard 😊
Chicken is defrosted, prepped and back in the cellar fridge. I have worked out cooking times so I know it has to go in at 9.45am, so not a crazy early start tomorrow 😊 My veggie roast and special sauce are out defrosting 😊
Mr KK enjoyed his trout for dinner tonight - it looked like a whale compared to his plate, but he manfully battled through it! 😉
We have discussed seating arrangements (MiL will be at the head of the table to ease off the inevitable gap of FiL not being with us) and when to open presents (2 phases - ours after breakfast and then mutual presents with MiL after lunch 😊). I think it should all work well 🤞
Finally, I just want to thank you for all your company, good cheer and advice over the last year. You are my conscience and my guide. I hope you all have a wonderful Christmas season, however you may or may not celebrate it, and I look forward to spending more time with you in 2026 🎄🎊🎉🤩😊
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 = £12,822 Estd. interest saved = £6,166 to date
Fixed rate 3.85% ends October 2030
Read 79 books of target 52 in 2025, as @ 24th December
Produce tracker: £453 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.8 -
I hope your washing dried KajiKita - ours did well outside, and I got it in just about 3pm and stuck it in front of the dehu for 2hrs. It's in the drawers now, fully dry 👍
Sounds like you've tomorrow planned out beautifully, hope it all goes well for you, and that you have a wonderful time.
Greying XGrocery Spend December 2025 - cash £187.28/£171 MrS vouchers £20/£20 MrT vouchers £9/£9
Non-food spend December 2025 £64.52/£50
Bulk Fund December (month 12 of 12) £0/£9.124 -
Tomorrow sounds perfectly thought out, I hope you all have a lovely Christmas day3
-
Love the thought that has gone into everything, I hope tomorrow is full of joy for you allStart mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
Current mortgage amount: £226,957.97
Start student loan 2012: £29,750; current student loan: CLEARED July 20252 -
I hope you have an enjoyable day today.
My mortgage free diary: +++ Divide by Cucumber Error. Please reinstall universe and reboot+++
GNU Mr Redo2 -
@Greying_Pilgrim, very nearly, it just needed warming through on the heated airer before being put away 😊
Thanks @PennysIntoPounds, @Merlin's_Beard, @redofromstart - same to all of you 😊
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 = £12,822 Estd. interest saved = £6,166 to date
Fixed rate 3.85% ends October 2030
Read 79 books of target 52 in 2025, as @ 24th December
Produce tracker: £453 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.1 -
Small passing note … I asked Mr KK to buy me a new kneeler, weed membrane and membrane pegs for Christmas. I got the kneeler (in neon pink! 🤩❤️) but not the membrane nor the pegs so have just ordered them for myself! 😉
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 = £12,822 Estd. interest saved = £6,166 to date
Fixed rate 3.85% ends October 2030
Read 79 books of target 52 in 2025, as @ 24th December
Produce tracker: £453 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.2
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.9K Banking & Borrowing
- 253.9K Reduce Debt & Boost Income
- 454.7K Spending & Discounts
- 246K Work, Benefits & Business
- 602.1K Mortgages, Homes & Bills
- 177.8K Life & Family
- 259.9K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards