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So close, we can smell mortgage freedom!

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  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    A good day to you too, MV :) of course, I've looked up cat music on YT - I'll definitely give that a try, I'm catsitting again in early January.
    2023: the year I get to buy a car
  • Are you able to export during the savings sessions, allowing that you have the battery? I think some were saying on the energy board that for those who can it's an absolute license to print! 

    Hope you had a wonderful weekend! 
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • I hear you on budget - I think there is still some fine china or pair of crystal glasses that you  could get that’s not crazy budget … what with Black Friday and cashback .. or TK maxx! 

    or maybe go to a vintage jewellers online  and see if they have antique salt n pepper sets - or a bowl or a pic frame  - it’s more about something they can see and know it’s a celebration for their next stage of life together  ..
    or the hamper idea is always fun - you could make it up yourself 

    (can you tell I have shopped a lot and am a big gift buyer) 

    your dal sounds great - reminds me to bulk buy some mung beans 
    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#latest
  • Suffolk_lass
    Suffolk_lass Posts: 10,310 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I really like Manchester too. Next time you go, if you are not already regular visitors, you need to plan in Dunham Massey (it changes so much with the seasons it is always worth visiting), along with Tatton Park (and we really like Knutsford and its market).
    Save £12k in 2025 #2 I am at £4863.32 out of £6000 after May (81.05%)
    OS Grocery Challenge in 2025 I am at £1286.68/£3000 or 42.89% of my annual spend so far
    I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
    My new diary is here
  • The L bookie randomly decided I could not do casino with them years ago but I can still do football accas 

    I am also trying to get out each day .  

    Great you have loads work in 
    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#latest
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