We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
Progress not Perfection
Comments
-
That's such great news about DD - and must be such a relief for you!🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25
Balance as at 31/08/25 = £ 95,450.00. Balance as at 31/12/25 = £ 91,100.00
SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her1 -
Enjoy your lunch.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.1 -
So pleased for you that this holiday is going ahead. You must be doubley excited this timeMaking the debt go down and savings go up
LBM 2015 - debt £57K / Now £27,424....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule.Challenges
EF £1200/£3000
.
Studies/surveys January £86.85
Decluttering items 1402/2025. 80/2026
Books read 23 in 2025. 2026- 3 (target is 52)
Jigsaws done 20 in 2025. 2 this year.
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up2 -
Another working day done, or half day in my case 😆
Had a lovely lunch with work friends, my old team, some of us including me have moved to different work areas on promotion. Although I love what I do now I also miss the team I used to work with.Will have to go back into the city centre on Sunday as I saw a gorgeous linen shift dress in MnS when I picked up the currency but they didn’t have it in my size so have ordered it for collection on Sunday.Tonight’s dinner was pizza and salad. Exercise has been walking to/from work and Zumba.I get knocked down but I get up again (Chumbawamba, Tubthumping)6 -
Morning all, happy Friday 😎
WFH today thank goodness as heard Mr SA shuffling about downstairs at 1am! Went to investigate and he was wandering around with nothing on and had the TV on! Goodness knows what was going off there but I herded him back to bed. He claims he was watching football as he couldn't sleep but all seems very suspect to me. I was mainly concerned about him falling as 1am seems to be his peak falling and me calling an ambulance time. It took me ages to get back to sleep after that and I didn't wake up until well after 6.
Final working day for 2 weeks. Got loads of loose ends to tie up and 2 sets of notes to write up before I log off. No meetings other than a quick catch up with my line manager. I've blocked off my calendar so no one can sneak anything in.
Having my nails and eyebrows done this afternoon. Hoping not to have to log back on after that but I really need to get my work finished so may have to.
Payday so finances have been sorted and the payday money shuffle has been done. DD has paid her board so that's gone to the holiday pot. An oddment of £6.67 has gone to the Christmas pot. £100 to Premium Bonds. £80 to the annual payments pot, £50 to the vet pot, £50 to appliances pot and £20 to glasses pot. Money for regular savers put to one side. All July bills money in place ready for the start of the direct debits going out on Monday.
CC app has been checked and balance cleared. Will clear the pending balance on Monday.
Today's exercise is dog walking later this morning and general walking to get my step count up to my goal of at least 15,000.
Tonight's dinner is tuna steak, lime and coriander rice and steamed veg. Got leftover pizza and salad from last night for lunch.I get knocked down but I get up again (Chumbawamba, Tubthumping)5 -
Happy Friday, happy payday and happy nearly holidays SA ☀️
the 1am naked football watching sounds really dodgy. Do you think he was covering up the fact that he didn’t know what he was doing and got caught in the act?Not all who wander are lost - J.R.R.Tolkien
🌊 A smooth sea never made a skilled sailor 🌊
My WW and friends diary is here 😁 …
https://forums.moneysavingexpert.com/discussion/6259606/must-try-harder/p12 -
Enjoy your holiday.1
-
Good news on here. The holiday, your daughter, new clothes and nails and eyebrows being done.
(I will ignore Mr SA's antics
)
Interesting that Mr SA has a peak time for falling, or is that general to the population?
Nice supper as per usual...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 350/1000
Buffer fund 100/100
Debt Free (again) 25/07/20252 -
Well so much for finishing work early. Didn’t log off until 5.45 from 7am! I did have 2 breaks one for dog walking and one for my nails and eyebrows but was hoping to finish at 2.30. Always the same on breaking up day. This is the downside to WFH.Anyway that’s me logged off for just over 2 weeks 🥳 The laptop is packed away in its bag and firmly zipped shut.I now have 3 days to tidy the garden, give the house a good clean and pack the cases.I get knocked down but I get up again (Chumbawamba, Tubthumping)5
-
Whoohoo, happy official weekend and holibobs time!https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'self-blame can be as egotistical as self-praise... any work worth doing is greater than we are... we must not overrate our importance to it, either for good or ill' Margaret Kennedy Lucy Carmichael1
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 353.3K Banking & Borrowing
- 254.1K Reduce Debt & Boost Income
- 454.9K Spending & Discounts
- 246.4K Work, Benefits & Business
- 602.6K Mortgages, Homes & Bills
- 178K Life & Family
- 260.4K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards