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Watty's Awakening

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  • Watty1
    Watty1 Posts: 8,807
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Forumite

    @Cherryfudge I still have not given up on the pony trap. Just saying!

    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 !!
  • beanielou
    beanielou Posts: 101,782
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Ambassador

    Good news on the car. 🚗

    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.
    One debt remaining. Home improvement loan. 9 months left.
  • KajiKita
    KajiKita Posts: 11,028
    10,000 Posts Fifth Anniversary Name Dropper Photogenic
    Forumite

    So pleased about the car. Well done VNM 👏😊

    KK

    As at 16.10.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £209,304
    - OPs to mortgage = £20,603 Estd. interest saved = £10,635 to date
    c. 18 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 80 books of target 52 in 2026 as @ 7th November. 
    Produce tracker: £356 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. 
  • Suffolk_lass
    Suffolk_lass Posts: 11,489
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Forumite

    Personally, I would live in the 1 bedroom annex while refurbishing and improving the energy overheads of the farmhouse and then moving across (or renting out part of it) - I would be adjusting the layout too. That part of Scotland you need to be aware of the prevailing winds (the trees will tell you) and making sure the windows are super insulated on that side, and glazing bigger on the south facing aspect

    Save £12k in 2026 #2 I have banked £10,836.47 in 9 months, against a £10k target The Save £12k in 2026 thread is here
    OS Grocery Challenge in 2026 I have a £3000 annual budget for 2026 - currently £2270.73 to the end of Oct
    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 in 2027 thread brand new and sparkling - feel free to join us and say what and how you are planning
    My keep within our budget diary is here
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