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DrCarrie's adventures in saving to be a mortgage-free wannabe

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Comments

  • Exciting news x
    2025 Decluttering 10472⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️
    2024 Decluttering 11728⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️
  • DrCarrie
    DrCarrie Posts: 925 Forumite
    Tenth Anniversary 500 Posts Debt-free and Proud! Photogenic
    Offer accepted!  B)
    Signiture dated 23/09/2025
    3-month emergency fund (Cash ISA and PBonds): £5,382/ + £1,500 = £6,882 /£7,500 (Target 1)
    Stocks and shares ISA: £2,232.94
    Additional pension contributions £0 (target £450pcm)
    Overpayment on mortgage: 1% at a time (£1,518)
    Big Renno...and appliances. Front of the house, fridge freezer, dishwasher and washing machine)
  • beanielou
    beanielou Posts: 96,266 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Woohoo.
    Pleased for you  :grin:
    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.
  • Congratulations x
    2025 Decluttering 10472⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️
    2024 Decluttering 11728⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️
  • Congratulations! Hoping everything goes as smoothly as it can for you.
    Start 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 2025
  • doingitanyway
    doingitanyway Posts: 10,221 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    edited 25 August 2023 at 7:59PM
    I just read your diary. Got to the end and saw you had an offer accepted. I'm in the same position. Let's hope it goes smoothly for us both,

    I like your 'cheap seats' bit. 
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 800/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • DrCarrie
    DrCarrie Posts: 925 Forumite
    Tenth Anniversary 500 Posts Debt-free and Proud! Photogenic
    I am cross with the estate agents and the Converacer - who are linked. They have prepared all the documents with the wrong title. 

    Started private practice again yesterday, and hopefully I will be receiving some tax back soon!
    Signiture dated 23/09/2025
    3-month emergency fund (Cash ISA and PBonds): £5,382/ + £1,500 = £6,882 /£7,500 (Target 1)
    Stocks and shares ISA: £2,232.94
    Additional pension contributions £0 (target £450pcm)
    Overpayment on mortgage: 1% at a time (£1,518)
    Big Renno...and appliances. Front of the house, fridge freezer, dishwasher and washing machine)
  • DrCarrie
    DrCarrie Posts: 925 Forumite
    Tenth Anniversary 500 Posts Debt-free and Proud! Photogenic
    I am as up to date as I can be on the mortgage application etc. I went for a 5 year fixed, as I hope to transition to self-employment and need to make sure my books are good before the next application.

    Once I have got the house a bit straighter, mainly this is the living room, my office, and my bedroom. I will start to get overpaying, even if it's very nominal for next year. It will be important to get in the habit of it. 

    Locked myself out of my Premium Bond account, as my phone signal is so bad. I know I have over 1K - but want to confirm, I don't think I have updated that spreadsheet properly.  

    It my daughter's 30th B'day next Sunday. Will be a bit spendy for sure. 
    Signiture dated 23/09/2025
    3-month emergency fund (Cash ISA and PBonds): £5,382/ + £1,500 = £6,882 /£7,500 (Target 1)
    Stocks and shares ISA: £2,232.94
    Additional pension contributions £0 (target £450pcm)
    Overpayment on mortgage: 1% at a time (£1,518)
    Big Renno...and appliances. Front of the house, fridge freezer, dishwasher and washing machine)
  • beanielou
    beanielou Posts: 96,266 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    My DS's 30th too this month!
    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.
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