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Progress not Perfection
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Have you looked into the possibility of a grant for the loft insulation.
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No I hadn’t thought of that. Will do thank you.badmemory said:Have you looked into the possibility of a grant for the loft insulation.I get knocked down but I get up again (Chumbawamba, Tubthumping)2 -
How long til retirement?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.
One debt remaining. Home improvement loan. 21 months left.2 -
Officially January 2027 but I might stay until the summer.beanielou said:How long til retirement?I get knocked down but I get up again (Chumbawamba, Tubthumping)4 -
Thanks to @badmemory I've looked into the loft insulation grant and completed the form on Gov.UK which has gone to Octopus. I'm not expecting to be eligible as I suspect I earn too much and no one in the house is on income related benefits. But worth a try anyway. The form did say I would have to pay something towards it. That's if it needs doing. There was mention of adequate ventilation will be required before installation and you can bet your bottom dollar that we won't have this and it will open up an expensive can of worms! Anyway let's see what comes of it.
I've decided I'm going to make sure the mortgage is gone by the end of the year rather than early 2026. I tried to up the monthly overpayment by the £33 a month extra required to see it off, got to the end of the process and it said an error had occurred please try again later 😐 However, I did notice that I can pay off up to £4k a year extra and between now and June I can pay off another £3200 then it will reset. So the plan is to send one-off overpayments at the end of every month although it won't be as much as £3200 😆 Quite exciting to think it will be gone before the end of this year! It will give me an incentive to work towards. The initial target will be £50 extra overpayment a month with a view to it being more if possible.
In other money news it's the last few days of the 4 week budget period and it looks as though there'll be a decent underspend despite all the extra food/drink bought for Christmas. The grocery budget is overspent by not by as much as I thought.I get knocked down but I get up again (Chumbawamba, Tubthumping)12 -
It’s a wonderful feeling paying that mortgage off - excited for you SA 🥰Lancashire
PV 5.04kWp SW facing
Solar Battery 6.5 kWh
🐙 Intelligent Go
Mortgage freedom January 2024 - paid off 7 years early by making overpayments where we could.2 -
It is a fab feeling getting the last mortgage payment paid. Go for it!
F2026's challenges: 1) To rebuild our Emergency Fund to at least £5k.
2) To read 50 books (5/50) 3) The Re-Shrinking of Foxgloves 8.1kg/30kg2 -
That will be amazing to be mortgage free!"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee1
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That will be brilliant to get the mortgage paid. I feel so much better now ours is gone.Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £27,204....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule.Challenges
EF £1330/£3000
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Studies/surveys Feb....£59.25
Decluttering items 1402/2025. 95/2026
Books read 23 in 2025. 2026- 5 (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 -
I agree there is nothing quite like that "it's all mine" feeling. Mine was over 20 years ago (I'm that old) & I still remember walking into the building society with that final cheque. Two months later I bought out the chief rent.
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