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And now we go again...
Comments
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Great news on the extra holiday.I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.
Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board: https://lemonfool.co.uk/financecalculators/soa.php
The 365 Day 1p Challenge 2026 #1 £55/£667.95
Save £12k in 2026 #1 £1000/£120005 -
Very well done on broaching the holiday question. Why is talking about money and holidays so difficult, I hate doing it.Also very impressed with your yoga progress and commitment to it.LTotal Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
Lucielle's Daring Debt Free Journey
DFD Before we Die!!!! Long Haul Supporter #1245 -
EH - on the subject of caulifower - couldn't you do both? - Roast it then make it into cheese bake? This sort of recipe?4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)(With heartfelt thanks to those who have gone before us & their indubitable generosity.)...and now I have a mortgage! (23 AUG 2021)Original End Date - Sept 2041 New projection - Dec 2039 (reduced by 21 months)4
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OOH RT - I could indeed couldn't I - what a fantastic thought! I was considering making a start at least on the bake this evening anyway, and to roast it while the pasta is cooking is relatively straightforward. Great find on the recipe front, thank you!
ES - Thank you, I'm delighted! And L - I know - it's mad, but I was dreading having to raise it even though I was fairly sure that she would go for it! (Let's face it, it's a lot cheaper than a pay rise isn't it!)🎉 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/her5 -
That's brilliant, well done you. No parts of London will remain Hidden with all that lovely leave!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 -
Great great result on extra holidays. Sometimes time is worth more than money.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.5 -
I would definitely take an extra 5 days holiday over a pay rise so well done negotiating that.I get knocked down but I get up again (Chumbawamba, Tubthumping)5
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Brilliant news on the extra leave."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 McGee3
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You know itPennysIntoPounds said:What on earth is in the London one? Pigeon feathers and seething resentment at property prices?!
) I am living that dream...
There is something north of the Watford Gap?? ShockerRosaBernicia said:
plus a tube map, a raven and utter confusion about geography north of Watford.
Oh yes there is Edinburgh
@EssexHebridean 5 extra days well done!
On the hedgehog there is a charity one can ask for them to give you a rescue hedgehog - my sister had one ... it disappeared quickly from the hedgehog house but she has lots of land - no pesticides on it so we are sure he/she is happily bumbling around
Love those handled storage things - I will get some after I finally get my new home ...
DON'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#latest8 -
Well you've found me a new thing to be grateful for - public sector pay may not be generous but the banding system makes it very clear without having to negotiate at personal level!
Debt free May 2016... DFW#2 in progress
Campervan paid off summer '21... MFW progress tbc7
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