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Prosperous & Creative Soul & MFW Year 3
Comments
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Bravo 👏❤️😊
Hope you slept well and good luck with today. Focus on one space at a time.KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 80 books of target 52 in 2025, as @ 25th December
Produce tracker: £457 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.3 -
Well done on getting it all done, and congratulations on your new home 🎉🎊🎉🎊.Live the good life where you have been planted.
Fashion on the Ration Challenge 2022 - 15 carried over. Fashion on the Ration Challenge 2023 - 6 carried over. Fashion on the Ration Challenge 2024 - oops! My Frugal, Thrifty Moneysaving Diary3 -
Hurray @savingholmes! What a mountain you've climbed. Onwards and upwards love Humdinger xx2
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Happy new home! Glad you are in ok.
Give yourself a few weeks before you start making big changes. A few days in and what seems strange now might well be ok. We found that once living here a while, what we wanted to change was different from what we initially thought."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 -
Glad to hear you are in your new home.Life is an adventure, never stop exploring.3
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and .... relax
first day of the rest of your life!!
its amazing how much stuff you can fit in a car
I'm sure your buyers were grateful for your hard workI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine3 -
Happy new home. Onwards and upwards love WattyMade it to mortgage free but what a muddle that became
In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!3 -
Glad you in and home is warm - poor cat !
I can imagine there are so many decisions to be made even to what goes where in the kitchen it will be huge decision overload
so don’t try to be too perfect - you have hopefully many decades there so you will have time to move things around as you wish
Enjoy the cash rich feeling though you did say you didn’t want to lend anyone money .. it is your money so do what you wish but I see a sneaky family loan there … 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#latest4 -
Congratulations, so happy the worst bit is over. I always find it takes a year for the new house to feel like home and that you've got somewhere with improvements. As everyone else says, don't rush, you'll get there. Enjoy the views xMortgage start date Nov 2014 - £90,545 over 25 years
Re-mortgage Oct 2017 - 78,295 over 23 years
Re-mortgage Jan 2020 - 55,000 over 26 years @ 1.94%
Current Mortgage Outstanding Middle December 2020 - £47893.35 - a reduction of £42,652 in just over 6 years!3 -
Hopefully you can get a couple of rooms in reasonable order and stick the rest in rooms to sort out later. The worst is over and I am glad you got to enjoy the sunset last night.Mortgage OP 2026 £0/2000Mortgage OP 2025 £7700/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £33,821
Make £50 a month Jan £0
Boiler fund £925/3000
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)3
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