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Walking into another chapter ...
Comments
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puppy time
She will certainly keep you busy, and thats a great strategy on the mortgage, I am envious of your rate
Its sad the landscape has changed so much on that front, but, it looks like you are making some smart choices to maximise the benefit.
Also not a fan of new years, going to do a fake midnight countdown with the kids at 9pm ( which is as good as midnight for them )Halifax CC - £2591.41 / £2591.41
Virgin CC - £6094.33 / £6094.33
Barclaycard CC - £7991.29 / £7991.29
Santander CC - £6233.91 / £6333.91
M&S CC - £3868.42 / £3868.42
Natwest CC - £723.43 / £723.43
Natwest CC - £4115.00 / £4115.00
£31,647.79 / £31,717.79 (99.7%) Since 14/12/2025
Emergency Fund : £553.22 / £60001 -
Awww, puppy is so cute, she is going to have the best life, lucky pup!! ❤️2023 Weekly Cash Envelope Savings Challenge #04
2024 Weekly Cash Envelope Savings Challenge #031 -
So we have decided on a name ... Winnie
Mortgage Total: £49,992/ £75,000
2026 Mortgage Overpayments Pot £1120 -
Just popping by to say what a beautiful puppy , very good natured and fun breed in my experience, fantastic start to your new year1
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Aw I love Winnie - very cute! Old lady names are the best for doggos - my friend has a Peggy and we have Dottie😍😆I really need to sort out a new signature!1
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Aww Winnie looks adorable 🥰 tooSealed pot challenge 822
Jan - £176.66 :j1 -
Love Vinnie lots of fun for 2026Save £12k in 25 No 49
PB Win 21 £225, 22 £275, 23 £900, 24 £750 Balance Dec 25 £32.7K
Plan to move to Denmark for FIRE by Autumn 2025 “May your decisions reflect your hopes not your fears”
New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest1 -
Thanks all, Tallgirl it's Winnie not Vinnie Mortgage Total: £49,992/ £75,000
2026 Mortgage Overpayments Pot £1120 -
Winnie is gorgeous, how exciting!Mortgage OP 2026 £50/2000Mortgage OP 2025 £7700/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £33,546
Make £50 a month Jan £0
Boiler fund £925/3000
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)1 -
So I'm having a new years eve at home, ds and friend have just gone out for the evening, God knows what hour they may roll in at. I will be fast asleep well before midnight, I might get into bed and watch Pretty Woman at 9 then fall asleep I didn't envy them at all going out, it's freezing out there tonight.
Mortgage Total: £49,992/ £75,000
2026 Mortgage Overpayments Pot £1121
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