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Buying a little piece of Middle England; Manifesting my way to mortgage free.
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Amaxing news.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.1 -
So pleased to hear this news 🎉Mortgage OP 2026 £50/2000Mortgage OP 2025 £7700/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £33,546
Make £50 a month Jan £20
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)1 -
Amazing well done DP. Gives you the freedom now to think about what you want and not feel so trapped 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!1 -
Whoop whoop fantastic news
love 🐞Declutter 15/ 2026
£9.00 saved by growing my own 2026
books read 2 in 20261 -
Congratulations to DP!"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 McGee0
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That is fantastic newsMe, DD1 20, DS 18, DD2 15, Debt Free 04/18, Single Mum since 11/191
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Thank you @daisy_1571 , @kajikita, @greenbee, @dawnybabes, @jessy103, @beanielou, @skint_spice, @bargainhunter30, @ladybird1106, @jwil ♥️, @slm6002
I feel SO relieved 😌 and can relax a little now and enjoy the run up to Christmas without thinking we'd be without most of our income come January. DP has saved all his team from redundancy too in him leaving as one had to go - which is him!
It also means a pay rise which we should start to see in January's pay I guess. And time to redo the budget a bit after that. Perhaps then we can bridge that gap from one month to the next 😁.
DP wages will go from £40k to £48k. He pays into a share matching scheme (which DP thought I could use as part of my pension) and his own pension, so once those have been taken away and tax etc I'm unsure what will be the take home pay. Hopefully enough to make the extra workload worth the while ☺️. He's also managed to negotiate being field based rather than office based so that if he needs to go into HQ then they will pay expenses rather than it coming from his pay. Which is good news.
I'm really happy, really relieved, thank you all for keeping my morale up over the last few weeks 😌♥️🎄.
Right I best go get ready for work- I had an awful night sleep last night it was too hot for me and I am so tired now 😴.
Emergency Fund goal - £717.77/1500
Weight loss goal 1 - 1/7 lb
Mortgage OP goal 2026 - £110.77/£4500
New Diary- https://forums.moneysavingexpert.com/discussion/6647063/investing-in-us-holidays-health-and-the-road-to-150k#latest5 -
Ooo and good news the wardrobes refund just turned up! I'm £200 up again 😄!Emergency Fund goal - £717.77/1500
Weight loss goal 1 - 1/7 lb
Mortgage OP goal 2026 - £110.77/£4500
New Diary- https://forums.moneysavingexpert.com/discussion/6647063/investing-in-us-holidays-health-and-the-road-to-150k#latest4 -
What a great start to the New Year for DP and good re refund
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 !!2 -
Phew - what fantastic news!
Aiming for mortgage free by September 2030
Balance 1.1.20 - £69,701.80
Balance 1.1.21 - £63,699.80
Balance 1.1.22 - £57,762.80
Balance 1.1.23 - £53,074.20
Balance 1.1.24 - £47,902.00
Balance 1.1.25 - £44,141.20
Balance 1.1.26 - £40,312.20
over payments 2026 = £30/£1,200 /// invested 2026 = £150/£1,800 = TOTAL (YTD) £180/£3,0002
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