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Comments

  • EssexHebridean
    EssexHebridean Posts: 25,981 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks PiP - and yes, it's very thoughtful of the local-ish steam railway to hold their annual festival on the most celebratory day of the year, I agree! :lol: 
    🎉 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 Calculator
    she/her
  • Makingabobor2
    Makingabobor2 Posts: 4,765 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    Excellent photos. 
    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £26,544....its going down

     Mortgage Free December 9th 2024!      18mths ahead of schedule.  

    Challenges

    EF  £750/3000
    .

    Studies/surveys May...£245.56

    Decluttering items 1400/    2025.  306/2026
    Books read    23 in 2025.  2026- 13  (target is 52)  
    Jigsaws done  20 in 2025.  3 this year. 

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


  • PennysIntoPounds
    PennysIntoPounds Posts: 6,659 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    Hope they let you have a go on a steam train since it's yer birthday 😁
    https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1

    'aggressive safety shot' Ken Doherty
  • rtandon27
    rtandon27 Posts: 6,762 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Fabulous photos EH!  - thank-you for sharing them.
    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 - Sep 2038 (reduced by 3 years)
  • KajiKita
    KajiKita Posts: 10,150 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic
    Cracking photos - I will be sharing these with Mr KK when I get home 😊

    KK
    As at 21.05.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £215,607
    - OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 37 books of target 52 in 2026 as @ 26th May. 
    Produce tracker: £119 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. 
  • foxgloves
    foxgloves Posts: 13,354 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Fantastic photos, @EH. How my Dad would have loved to see those!
    F
    2026's challenges: 1) To rebuild our Emergency Fund to at least £5k.
    2) To read 50 books (12/50) 3) The Re-Shrinking of Foxgloves 8.1kg/30kg
    Remember....if you have to put it on a credit card, extend your overdraft or take out a loan to buy whatever it is, you probably can't afford it, as that's not your money, it's somebody else's!
  • jwil
    jwil Posts: 23,541 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Those are amazing photos!
    "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 McGee
  • pennywisepoundstupid
    pennywisepoundstupid Posts: 6,281 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Wow, those photos are amazing!
  • PennysIntoPounds
    PennysIntoPounds Posts: 6,659 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    I just saw three dark small planes going down the Thames in yonder distance, maybe they were some of yours going home to roost 
    https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1

    'aggressive safety shot' Ken Doherty
  • Sun_Addict
    Sun_Addict Posts: 25,580 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Those photos are amazing, you’re very talented. Birthday beer festival is very well timed. 
    I get knocked down but I get up again (Chumbawamba, Tubthumping) -.literally have been run over by a bike, mobility scooter and a car - still here 💪
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