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MFW to MF Future Me.............
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Hi Dolly! Happy new diary!
MFW 2024 £27500/7500 Mortgage £129,500 Jan 22 Final payment June 38 Now £68489.08 FP May 36 Emergency Fund £20,000 100% Added to ISA 24 £8,060 Save 12k in 24 #31 £20,034.76/20,000 Debt Free 31.07.141 -
I haven't updated here in ages but thought I would pop on to say I'm still paying off the debt and the plan is to make 2 mortgage over-payments this year at some point.Debt Free - 4th June 20250
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Still here and paying off the CC's.
I cannot wait to be debt and mortgage free and I'm working as hard as I can to make it happen by the year 2030!Debt Free - 4th June 20250 -
Debt Totals - 01072024
£765.10 - Very
£1,191.59 - Tesco - PIF - 05072024
£2,389.51 - Virgin
£6,749.16 - Lloyds
£11,095.36 - Total
Debt Totals - 14102024
£355.09 - Very
£824.06 - Virgin
£5,278.28 - Lloyds
£6,457.43 - Total
Total amount repaid - £4,637.93
Very happy with my progress so far - even though I'm very bad at posting on here I've still been keeping up with all my planned repayments.Debt Free - 4th June 20251 -
Well done.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 -
Still making my way towards debt freedom - will be PIF by July 2025.
Once that's all paid off I can make a proper plan for getting this mortgage paid off.Debt Free - 4th June 20250 -
I just paid off all my credit card debt!!!
Now to switch the focus to the mortgage.Debt Free - 4th June 20253 -
Well done.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 -
Why is it always 1 step forward 2 steps back.
Just found out today we might be getting paid off due to our roles being automated - thanks AI!
If it does happen it's not likely to be until at least January 2027.
I'm gonna need to speed up the mortgage paying in preparation because if I lose this job I'll struggle to find something with the same flexibility that allows me to be home most of the week with the dogs.
If I end up with something that I need to be out 5 days a week I won't be able to afford to keep the dogs - absolutely no way are they going anywhere.
I'll need to look into takeaway deliveries or something to plan around them.
Seems like a forever away problem but I'm already stressing.Debt Free - 4th June 20250 -
Just logged into my mortgage account and I have an overpayment allowance for the year so I'm gonna try and get as close to that as possible between now and March 2026.MOP Allowance - £5,000 by 31st March 2026Debt Free - 4th June 20250
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