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Prosperous & Creative Soul & MFW Year 3
Comments
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Hope you’re having a lovely time with your son 😊
KKAs at 16.10.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £209,304
- OPs to mortgage = £20,180 Estd. interest saved = £10,393 to date
c. 17 months reduction in term
Fixed rate 3.85% ends October 2030
Read 79 books of target 52 in 2026 as @ 1st November.
Produce tracker: £348 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.3 -
Worshipped? Mine owns everything we worked for and gets pocket money!
Enjoy your time away SH.Mortgage started 2020, aiming to clear 31/12/2029.4 -
Pocket money….? #confused #donttellmytwo!MovingForwards said:Worshipped? Mine owns everything we worked for and gets pocket money!
Enjoy your time away SH.KKAs at 16.10.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £209,304
- OPs to mortgage = £20,180 Estd. interest saved = £10,393 to date
c. 17 months reduction in term
Fixed rate 3.85% ends October 2030
Read 79 books of target 52 in 2026 as @ 1st November.
Produce tracker: £348 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 -
Hope you are enjoying your time with DS"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 McGee2
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Nor my two.KajiKita said:
Pocket money….? #confused #donttellmytwo!MovingForwards said:Worshipped? Mine owns everything we worked for and gets pocket money!
Enjoy your time away SH.KKI 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.
One debt remaining. Home improvement loan. 9 months left.4 -
Those very expensive treats you buy them are free then!!!!!!!!!!!
3 -
This chat reminded me of this archive footage from the BBC, it made me smile a lot when I first saw it!
https://www.bbc.co.uk/archive/paw-it-forward/zkcn2sg
Hope you are enjoying your time with DS, and getting a chance to rest too. I had time with DD this weekend, and didn't really pace myself effectively, I got too wrapped up in wanting to enjoy things with her. A recovery week ahead I think!5 -
That archive popped up on social media the other week, I was grateful mine wouldn't be able to get a cheque book! Yes, she has pocket money, 50p and under goes in her tin, she lets us live in her home, share her bed, sofa, feed and clean up after her and our incomes keep her in the life she's become accustomed to 😳Mortgage started 2020, aiming to clear 31/12/2029.5
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Hope you are enjoying time with DSIf 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 1400/1000
Buffer fund 100/100
Debt Free (again) 25/07/20253 -
Thanks BM, WD, KK, Sunshine, DIA, Humdinger, Lucielle, Beanie, Jwil, MF and Starlight
I had a lovely time away. With all you cat worshippers I didn't dare post that on Saturday I'd had to leave despite the cat not returning on time. I waited until 11am and I left him food and water outside. He didn't turn up for the cat sitter - but she topped up water and food outside - and he had been eating it. He returned within 5 minutes of me getting home!! He looked slightly scruffier but gobbled up lots of treats and demanded lots of strokes and was fine.
We had utterly glorious weather, doing a little shopping on day one followed by a visit to a lake in time for Sunset. The next day we went to some gardens and around a historic place. It was beautiful. Then yesterday I drove home and saw my parents on the way. Again the weather was kind. The journey back from them was horrific traffic wise but I set off at the wrong time so it is what it is...
Will post photos shortly. It's my birthday today and I'm off to Bodnant. I'm hoping to go bowling with DD and her BF later.Achieve FIRE/Mortgage Neutrality
1) MFW Nov 21 £202K now £165K Equity 38.88% 6/9/26
2) £1.5K Net savings after CCs 29/8/26 (but owed £130) so £1.6K
3) 47/82K @29/8/26 = 57.31% AVC Goal by mid 20285
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