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Prosperous & Creative Soul & MFW Year 3

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Comments

  • No operation, thats a relief. 
    Fingers crossed for no recurrence
  • jwil
    jwil Posts: 21,896 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    That's great news that you don't need the op :)
    "If you can dream it, you can do it". Walt Disney
  • doingitanyway
    doingitanyway Posts: 9,930 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    Great news that you don't need an op. What is the plan for avoiding a recurrence?

    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 100/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • KajiKita
    KajiKita Posts: 7,587 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Good news on the no further op (atm) 😊

    KK
    As 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 40 books of target 52 in 2025, as @ 29th July
    Produce tracker: £227 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. 
  • skint_spice
    skint_spice Posts: 13,396 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Maybe once you feel a bit stronger you can up your activity a little too which will help. Great news that the op is not necessary for now though.
    Mortgage OP 2025 £6000/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,680

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,744 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    Glad your health is improving and your home coming together.

    Love the trainers !
    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#latest
  • Fingers crossed for no more repeat episodes!
    Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
    Current mortgage amount: £226,957.97
    Start student loan 2012: £29,750; current student loan: CLEARED July 2025
  • mark55man
    mark55man Posts: 8,208 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    great news about the Op.  The odd treat is ok, but they can soon creep up - ours is L1dl mint cornettos.  Used to be once a week now its nearly every day - but they are good
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • beanielou
    beanielou Posts: 95,488 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Oooh a hydro pool sounds great. 
    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.
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