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Prosperous soul, mortgage neutrality & creativity Year 2

1156157159161162224

Comments

  • skint_spice
    skint_spice Posts: 13,766 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I hope things settle down for you soon, just take care of yourself and try to take things as easy as possible.
    Mortgage OP 2026 £1030/2000
    Mortgage balance: £31,116

    Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30,
    Jun £120

    Summer challenge £120/300

  • MovingForwards
    MovingForwards Posts: 17,182 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Hope things settle and could you stick with original daily and have the extra before bed? 
    Try and go for a small walk each day to get fresh air in your lungs and daylight on your face.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • Hopefully if you stick it out it will settle and be worth it in the end. Fingers crossed for you.
    Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
    Current mortgage amount: £224,460.73
    Start student loan 2012: £29,750; current student loan: CLEARED July 2025
    Unread owned books Jan 2026: 256
    Undone crafts 2026: +1
  • beanielou
    beanielou Posts: 100,370 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Take care of you xx
    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*** in ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger.
    One debt remaining. Home improvement loan. 14 months left.
  • KajiKita
    KajiKita Posts: 10,347 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic
    Hoping today is both calmer and more productive for you. Sending hugs.

    KK
    As at 18.06.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £214,281
    - OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 48 books of target 52 in 2026 as @ 7th July. 
    Produce tracker: £157 of £400 in 2026

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • Hope today is a better day.

    Debt Busting Again in 2026!

    Starting Debt 03.05.26 = £5345 Current Total 01.07.26 = £4411

    Clear M&S Card Starting Balance 03.05.26 £600 Cleared 05.07.26 ✅

    Clear V12 Finance Starting Balance 05.07.26 £600

  • jwil
    jwil Posts: 23,653 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I hope you had a better night last night and that today is better as well.
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
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