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Find the SecondStar and soar, and then straight on till the morning…

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  • Flossymuldoo
    Flossymuldoo Posts: 113 Forumite
    Fifth Anniversary 100 Posts Photogenic Name Dropper
    Aaawww @SecondStar. I got a bit teary reading your post. I have read your whole thread and been quietly cheering you on. I am sooo happy for you 🎉🎉🎉
    28/12/24
    Deep savings: £14,492.28/£20,000.00
    Mortgage balance: £157,183.78
    MFW #53  £7.66/£10,000.00
  • enthusiasticsaver
    enthusiasticsaver Posts: 16,062 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Congratulations on your new home.  Hope you settle in quickly. 
    I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.

    The 365 Day 1p Challenge 2025 #1 £667.95/£301.35
    Save £12k in 2025 #1 £12000/£8000
  • Humdinger1
    Humdinger1 Posts: 2,295 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    Congratulations @SecondStar.  You deserve it; wishing you every happiness love Humdinger xx 
  • NeverendingDMP
    NeverendingDMP Posts: 2,203 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    Thank goodness it all got sorted just in the nick of time. I've been holding my breath reading the diary entries. Yes it will take a while to be fully unpacked but so what. It's yours, yours alone and you are in charge now. Xx
    Jan 18 Joint debts 35,213

    Mortgage Jan 18- 77224 May 25- just under 65k

    June 25 Debts in my name only £5170. DH can't keep track...
  • doingitanyway
    doingitanyway Posts: 9,944 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    Your account of moving out then moving in was beautiful. I hope you are enjoying your own home  :)
    So wanting to be in your position soon!
    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 100/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • SecondStar
    SecondStar Posts: 641 Forumite
    500 Posts Third Anniversary Name Dropper
    Thank you everyone, the love and support and cheerleading from everyone here has been just lovely!

    Since leaving my friend’s house last Thursday, I’ve had about half an hour of ‘down time’ where I’ve not been ticking something off my detailed itinerary, or thinking about my itinerary. Needless to say I’m completely exhausted, but I can’t switch off my brain!

    It’s not exactly been a relaxing time off work - it’s been a LOT of change, disruption, and upheaval; and it’s been a lot of learning, too.

    The main take away so far is that setting up house costs a lot of money. I had to buy a ladder to access my attic, and it cost £100!

    The idea of just living off of my own single paycheque from now on, and being responsible for all the bills & the roof over my head is terrifying if I think about it for too long.

    It’s time to put my frugal hat back on, and stop haemorrhaging money!
    ‘When you only have two pennies left in the world, spend one on bread and the other on flowers. The bread will sustain life, the flowers will give you a reason to live.’

    Frugal living in 2024.
    Frugal living in 2025.

    261 No Spend Days in 2024!

    3-month Emergency Fund: £3,500 / £3,500 - DONE!
    1k Pet Emergency Fund - £1,000 / £1,000 - DONE!

    Nationwide 1 year 6.5% Savings - £600 / £2,400
  • KajiKita
    KajiKita Posts: 7,649 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Don’t worry too much about the “haemorrhaging money” - the set up of a home always takes investment and a lot you can find second hand (not ladders though - safety first!). When you go back to work you will inevitably reduce your spending (you will be too busy to spend all day) and after the first wave of absolutely critical things have been bought, you can then be more selective and take your time over buying the rest of the things. 

    How are you finding having your own space finally?

    KK
    As 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. 
  • Being unencumbered also gives you a greater opportunity to reinvent what you want to be. I get that it’s scary but you’ve taken the biggest steps getting to where you are.  Babysteps is now the way to go.  Best of luck with it all.
    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.
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