📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

MF by Christmas 2024 - let's do this!

17810121316

Comments

  • Watty1
    Watty1 Posts: 6,861 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Another one who dreams of a gardener, my garden is too big to manage although my dog helps by digging up what I plant :)
    Made 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 !!
  • Sounds like everything is moving forward well. The advisor sounds terrible though at the job centre! Has your OH thought of upskilling in project mgt with maybe some data anaysis courses etc? Udemy has some v cheap good ones
    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
  • diggingdude
    diggingdude Posts: 2,492 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    A very interesting read. I wish you the best. 
    An answer isn't spam just because you don't like it......
  • Coxy11
    Coxy11 Posts: 5,603 Forumite
    Part of the Furniture 1,000 Posts Photogenic Homepage Hero
    News!! We have finally exchanged contracts and have a completion date of 18 November. I am still working my notice period of 8 weeks and have a leaving date of 22 Nov. Boss has said take a laptop and WFH the last week, which is good in principle but I don't know if I'll have wifi - he said to do my best.....

    Removals firm are coming on 15 Nov to take all garden/shed/garage/loft stuff in a big van to their secure depot. They will then come on 18 Nov with another big van for all the other bits. I have some items of furniture on FBMP - someone coming tomorrow about a bed frame but no takers on the kitchen bar stools yet.

    We have a few boxes but need to source some either from the removal firm (£2/box + VAT) or from a storage facility nearby, whichever is cheaper. I'm going to research that today. We have two weekends before we go and have nothing planned but packing, plus DH is obviously here during the day to crack on with stuff.

    I'm not sleeping too well - meno hot flushes aren't helping along with house move anxiety (sorry if TMI). We still need to tell our NDN that we are moving, might pop round today and let him know. 

    Our budgets are looking okay for this month. Food and diesel pots still on target - may even be a bit under on food if we're lucky. I've been running down the cupboards and freezer in preparation for the move. Freezer will need defrosting (it's built-in) before we go - another job to add to the list!

    Cross-stitch WIP: Fiver Friday challenge 2025 founding member 😊 Read 25 books in 2025 11/25 Currently reading The Cliff House by Amanda Jennings
  • Suffolk_lass
    Suffolk_lass Posts: 10,306 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Oh wow, congratulations! 🎉🎉🎉 Lots of lists used to help me get the stay awake things out of my head. Unfortunately turning the light on to record them was a lead balloon moment for DH so my pad and paper were in the bathroom. I blame this for my early rising. 04.22 wake-up, every morning (05.22 in BST) - unless I am drunk or drugged (not illegally!)
    Save £12k in 2025 #2 I am at £4863.32 out of £6000 after May (81.05%)
    OS Grocery Challenge in 2025 I am at £1286.68/£3000 or 42.89% of my annual spend so far
    I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
    My new diary is here
  • beanielou
    beanielou Posts: 95,644 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    That’s good news at last. 
    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.
  • South_coast
    South_coast Posts: 5,888 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    Unfortunately turning the light on to record them was a lead balloon moment for DH so my pad and paper were in the bathroom.
    Writing in the dark is your friend 😀 It's surprising how my writing looks no worse when I can't see what I'm doing as opposed to when I can (coming from a fairly low baseline). Did mean I once scrawled all over the laundry list in a hotel though, which I thought had been a blank sheet of A4 🤣! 

    Congratulations on the exchange, Coxy. You'll be done with the move and work in no time!
    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
  • Coxy11
    Coxy11 Posts: 5,603 Forumite
    Part of the Furniture 1,000 Posts Photogenic Homepage Hero

    Hi all,

    Thank you for the congrats. It’s a bit overwhelming but I know it’s the right thing for us to do. More excited and a bit less anxious now which is good!

    We’ve had an estimated completion statement from our solicitor. Estimated because we will make another mortgage payment prior to completion. All looks good and on plan.

    We collected 60 boxes from the removals firm on Wednesday. They are ‘used once’ and perfectly fine and were only £1 each with all proceeds going to charity - win win. DH managed to pack 7 boxes yesterday and I did 2 after work. Tonight I’m going to tackle the spare room and get that packed up. We will need more boxes but couldn’t fit any more in the car, so DH will go and collect more next week and combine it with a CS drop off.

    The FBMP bed purchaser let us down on Wednesday, so someone else is allegedly coming tomorrow late morning. DH has dismantled it in readiness and as he’s already beaten us down to £80 I’m not taking a penny less! A lady is coming around about now for a hallway stand, so that’s another £15 in the kitty.

    I am packing the spare room tonight. It’s mainly my craft stuff, handbags(!) and some Ebay items that I’m listing in aid of my charity fundraising. Most things are in two chest of drawers, so once they are clear they will go to the CS.

    Tomorrow we will finish off in the loft. We’ve sorted about 60% of items into Keep/CS/Tip, so just need to finish this off. Then it’ll be a case of boxing it all up and bringing downstairs into the spare room which will act as a store room until we go.

    DH is nervous about packing our ‘good’ china and glasses, some of which were wedding gifts, so I’ll do those tomorrow whilst watching SCD! Our bedroom is fairly easy with just two bedside units and the bathrooms won’t take long. DS2 is back from uni this week and has sorted his room, so just needs to pack it up. DD will do hers this weekend too.

    Have started taking Black Cokosh supplements for my hot flushes. Some small improvements but still waking up a few times. Will see how I feel after the 30 day course.


    Cross-stitch WIP: Fiver Friday challenge 2025 founding member 😊 Read 25 books in 2025 11/25 Currently reading The Cliff House by Amanda Jennings
  • Suffolk_lass
    Suffolk_lass Posts: 10,306 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    What about garden and other outside stuff?
    Save £12k in 2025 #2 I am at £4863.32 out of £6000 after May (81.05%)
    OS Grocery Challenge in 2025 I am at £1286.68/£3000 or 42.89% of my annual spend so far
    I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
    My new diary is here
  • Coxy11
    Coxy11 Posts: 5,603 Forumite
    Part of the Furniture 1,000 Posts Photogenic Homepage Hero
    Garden furniture, BBQ, and pots need sorting tomorrow. There are a couple of items to take to the tip and some plants to lift now they’re finished. Will bring everything up to the patio for first collection on Friday. 

    We’ve run out of boxes already and still the good china, kitchen and DD’s room to do aaaargh. Takeaway for dinner as been packing all day and we are pooped! 
    Cross-stitch WIP: Fiver Friday challenge 2025 founding member 😊 Read 25 books in 2025 11/25 Currently reading The Cliff House by Amanda Jennings
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.2K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.2K Work, Benefits & Business
  • 599.3K Mortgages, Homes & Bills
  • 177.1K Life & Family
  • 257.7K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.