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Progress not Perfection

19699709729749751009

Comments

  • Enjoy your day, despite the weather
    Making 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.  this year. 

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


  • Have a lovely sneaky day out SA! Lovely to start with a coffee and a book somewhere other than home too - means you have nothing sitting in the background calling for your attention! (Or indeed, no-ONE sitting in the background...) 
    🎉 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 Calculator
    she/her
  • beanielou
    beanielou Posts: 98,006 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Enjoy your day. 
    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.
  • Some great bargains there. Sounds like you had a really good day. 
    Making 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.  this year. 

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


  • Ahh glad you had a lovely day and a nice lunch too! 
    🎉 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 Calculator
    she/her
  • How brilliant to be so close to the mortgage being gone! 

    Lovely to be appreciated by way of a gift card too! 
    🎉 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 Calculator
    she/her
  • In money dealings:

    Received a letter confirming the remaining balance of the mortgage will be paid off on 1 January with reminders of things to action like cancel any related insurance and standing orders.  
    That is very exciting (insert jumping up and down emoji)

    How lovely of your line manager 
    Fashion on a ration 2025 0/66 coupons spent
    79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases

    One
     income, home educating family 
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