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An in-between phase
Comments
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Nice PB win there - nothing for us this month, no, really, you're welcome..! 😂
🎉 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/her2 -
Only £100 for me this month so 2.4% but I am averaging 4.2% for the year. Could be a lot worse, but I would still like to meet one of the agent millions!
2 -
Can't paste diary entry again so basically some things happened that were efforts to make and save money. Thanks for reading the latest gripping instalment of my diary under the forum upgrade regime
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 Carmichael8 -
You are persisting, both in and out of here, and we are glad of it 😊
KK
As at 17.03.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £219,071
- OPs to mortgage = £17,793 Estd. interest saved = £9,021 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 24 books of target 52 in 2026 as @ 4th April.
Produce tracker: £59 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.4 -
What's the issue with the pasting thing PiP? Are you not able to write a post directly into the editor and use the "save draft" function? (Sorry - I may be missing something but having just attempted a "normal" cut and paste which seemed to work fine I'm unsure where there are problems!)
🎉 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 -
I can't paste from my phone notes @EssexHebridean, the site goes completely doolally. Zero chance of my memory being good enough to remember the things I want to say and write them straight in! Not practical to come on the site and into my diary every time I want to note something either ☹️
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 Carmichael5 -
Usuals
Build admin
Effing building society has put us on the higher interest rate they initially offered rather than the lower one that the broker negotiated. I bloody knew they'd do this, I just knew it.
Vinted money, shares to usual pots
Aim £2400
Got £107
Submitted a YouSpot
Invigilating
Entered some competitions, today I'm mostly looking forward to winning a lot of money and a ton of wine please
ooh I've been allowed to paste today! Double spacing and auto formatting still a pain in the arris to correct and I hate that you can't write under the previous line 😭
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 Carmichael8 -
Boo to the building society. Are you going to challenge them? What was in the offer?
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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.2 -
When you say you can’t write under the previous line, do you mean
like this?I can do
this by pressing the shift key and the return key at the same time. Like you would in W0rd.Sorry there is nothing I can do to help about the BS shenanigans but does that help at least a little? 😊
KK
As at 17.03.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £219,071
- OPs to mortgage = £17,793 Estd. interest saved = £9,021 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 24 books of target 52 in 2026 as @ 4th April.
Produce tracker: £59 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.1 -
Well done on the PB win!
Grr to the building society though"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 McGee0
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