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

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Comments

  • Flossymuldoo
    Flossymuldoo Posts: 118 Forumite
    Sixth 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 🎉🎉🎉
    28/09/25
    Deep savings: £24,185.28/£20,000.00
    Mortgage starting balance: £157,183.78
    Today’s balance: £142,800.80
    2025 MFW #53  £10,015.32/£10,000
  • enthusiasticsaver
    enthusiasticsaver Posts: 16,294 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.
    Save £12k in 2026 Challenge £12000/£7500
    365 day 1p Challenge 2026 £667.95/£296.46
    Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board: https://lemonfool.co.uk/financecalculators/soa.php
  • Humdinger1
    Humdinger1 Posts: 2,906 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    Congratulations @SecondStar.  You deserve it; wishing you every happiness love Humdinger xx 
  • NeverendingDMP
    NeverendingDMP Posts: 2,451 Forumite
    Eighth 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 Jan 26- just under 64k

    June 25 Debts in my name were £5170. Now 5178 (Jan 26)
    DH debts ?? at a guess £15k
  • doingitanyway
    doingitanyway Posts: 10,925 Forumite
    Part of the Furniture 10,000 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 1400/1000
    Buffer fund 100/100
    Debt Free (again) 25/07/2025
  • SecondStar
    SecondStar Posts: 669 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.
    Frugal living in 2026.

    261 No Spend Days in 2024!

    3-month Emergency Fund: £3,500 / £3,500 - DONE!
    1k Pet Emergency Fund - £1,000 / £1,000 - DONE!
    6 month Emergency Fund: £6,300 / £8,000

    Nationwide 1 year 6.5% Savings - £2,400 / £2,400  - DONE!
  • KajiKita
    KajiKita Posts: 10,125 Forumite
    10,000 Posts Fifth 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 21.05.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £215,607
    - OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 33 books of target 52 in 2026 as @ 20th May. 
    Produce tracker: £119 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. 
  • 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 1lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge. I’m not perfect but I’m good enough.
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