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An in-between phase
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Oh heck PiP I'm so sorry, what a rough time you're having at the moment.🎉 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 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her0 -
!!! well done for a rare winPennysIntoPounds said:
Well blow me, HMRC have only gone and resolved my complaint. After a decade 😂
And they're apparently sending me £100 compensation!
So sorry to hear re your friend, take time to grieve and heal.. the build paperwork can waitDON'T BUY STUFF (from Frugalwoods)
No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff. Money doesn’t walk out of your wallet on its own accord.
https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest0 -
Oh, what a shame, @PiP, I'm sorry to hear that. These things do somewhat underline the need for us all to make the most of each day, do they not?
Take care now,
F x2025's challenges: 1) To fill our 10 Savings Pots to their healthiest level ever
2) To read 100 books (36/100) 3) The Shrinking of Foxgloves 5.9kg/30kg
"Life can only be understood backwards but it must be lived forwards" (Soren Kirkegaard 1813-55)0 -
Oh PiP, so sorry to hear about your friend. It's been a very sad few months for you. I've had news of two deaths this week, one person I was at school with many moons ago - he'd had ill health for a while so not that unexpected but the other is a young lady whose death was totally unexpected.
As foxgloves said, it confirms that we need to make the most of every day. KA x
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Thank you all. I'm sorry for your losses @kayannie0
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So sorry to hear your bad news PIP. It seems to be one thing after another at the moment for you. Surely you’re due something good happening now 🙏I get knocked down but I get up again (Chumbawamba, Tubthumping)0
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So sorry about the loss of your friend.
sounds like the worst part of a rubbish day.
not sure what else to say but I hope you know that we are all sending you our soothing thoughts.1 -
So sorry to hear such sad news. Be kind to yourself xxslowly working towards being MF one small over payment at a time :T0
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Sending huge hugs x
KKAs at 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,338 Interest saved £5225 to date
Fixed rate 3.85% ends January 2030
Read 37 books of target 52 in 2025, as @ 23rd July
Produce tracker: £223 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.0 -
Oh no.Sorry to hear that. Take care of yourself.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.0
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