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An in-between phase
Comments
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Having an actual official moving date is SO exciting! You've worked so hard for your own 4 walls - and you're already doing way better than we manage most months on the OPs, as well!
🎉 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 -
Definitely won't be £500 a month @EssexHebridean, just trying to keep saving any little bits to knock it down slowly but surely. Would be preferable to be quickly and surely but it all adds up (or down 😁)
https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty3 -
We've always said, even if you can literally just round the monthly payment up to the nearest £10 above the contractual level, it STILL has an impact, and over the term of a mortgage, a surprising one!
🎉 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/her3 -
< Prepares balloons, cake, klaxons, small puppies, slides, bouncy castles, barbecues, etc etc for the 1sdt August moving in celebration …. >😊😉
KK
As at 18.08.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £211,813
- OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 61 books of target 52 in 2026 as @ 23rd August.
Produce tracker: £222 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 -
Half wussy situps
Two surveys
Usuals
Build admin
Shower and hairwash using free toiletries
Steps dropping off a vinted sale
£125 on the PB, thank you Ernie
Steps picking up a couple of lovely lantern candle holders from olio, so pleased with them
Vinted money Aim £500 Got £95https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty5 -
Yaay for the PB win and the lantern candle holders 🎉🤩❤️
Well done for wussy sit-ups 😊
KK
As at 18.08.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £211,813
- OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 61 books of target 52 in 2026 as @ 23rd August.
Produce tracker: £222 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.2 -
Thanks @KajiKita I am ridiculously chuffed with the lanterns, they are exactly what I had in mind for our 'roof terrace' (approx two metres square but I'm going to take feeling fancy over realistic limitations 😁)
https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty7 -
Lanterns sound perfect for your roof terrace. Yah on PB win.
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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. 13 months left.3 -
Feeling so sad today as someone we know from our local killed themselves yesterday. Only in his early 20s and an absolutely lovely guy who I was so incredibly fond of. In between crying:
Survey
Usuals
Entered some competitions
Updated vinted listings
Steps getting essentials
Two receipt surveysHave gone to our local to be with community and support his best friends.
https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty8 -
Oh heck …. 😥
That’s so sad, I’m so sorry. Sending hugs to you both and all the locals x
KK
As at 18.08.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £211,813
- OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 61 books of target 52 in 2026 as @ 23rd August.
Produce tracker: £222 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.2
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