We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
+++ Whoops! Here comes the cheese! +++
Comments
-
Good idea to do the 15 minute and 30 minute blasts. I am doing the same here and it seems to work...If 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 0/1000
Buffer fund 25/100
Debt March -1,119 (April) -889 (April) -498 (April) -378 (May) -8755 -
I agree with @doingitanyway about the 15 and 30 minute blasts....Finally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”5 -
When I'm stuck at something, I use top of the hour method - at the top of every hour I do only one thing that's a sticking point, sometimes my enthusiasm lasts 5 minutes, sometimes 30 and once in a while up to 45. Always have an audiobook or podcast going at the same time which helps to distract from annoying task! 4 or 5 times during the day & then put it to bed for the next time.4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)(With heartfelt thanks to those who have gone before us & their indubitable generosity.)...and now I have a mortgage! (23 AUG 2021)New projection - 15 YEARS 2 MONTHS LEFT OF 20 YEARS (reduced by 13 mths)Psst...I may have started a diary!4
-
Thank you all for the suggestions and encouragement. I went with 'make myself do 15 minutes' and addressed the most emotional things first, so his reading glasses off his craft table and into the recycling box for example. I ended up doing an hour or so, relocated some easy wins to the garden workshop and filled a black bag with scrappy bits.
It is a difficult room to do because it is so very him - full of things he had made, was making, materials for things he planned to make and random things he had saved because they might make something interesting.
Nicely timed as the roofer is now coming tomorrow to see if we can do an air vent or a velux so will need to be in the bedroom. I was out on a family thing this morning but I cracked on with more clearance once I got back.My mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese
GNU Mr Redo15 -
👏 Hooray & well done for cracking on!4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)(With heartfelt thanks to those who have gone before us & their indubitable generosity.)...and now I have a mortgage! (23 AUG 2021)New projection - 15 YEARS 2 MONTHS LEFT OF 20 YEARS (reduced by 13 mths)Psst...I may have started a diary!3
-
Well done for making a start on what's clearly a difficult task, I can only imagine. Hope you're managing to do lots of nice things for yourself in the meantime. I'm also happy to be used for practical tasks if that's what you need xx5
-
Oh bravo! 👏 I am very proud of you ❤️ Bigs hugs and a huge wodge of cashmere yarn and daphne vibes in celebration 🎉
KKAs at 15.05.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £235,841
- OPs to mortgage = £11,338 Interest saved £5225 to date
Fixed rate 3.85% ends January 2030
Read 26 books of target 52 in 2025, as @ 7th June
Produce tracker: £152 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.5 -
Well done you.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.4 -
Well done. Starting is the hardest part, I think.I think a bit of sunshine is good for frugal living. (Cranky40)
The sun's been out and I think I’m solar powered (Onebrokelady)
Fashion on the Ration challenge, 2025: Fabric 2, men's socks 3, Duvet set 7.5= 12.5/68
2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, tee shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/225 -
It must be so emotional for you - you're very brave to have made the start. ❤️Finally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”7
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 350.3K Banking & Borrowing
- 252.9K Reduce Debt & Boost Income
- 453.2K Spending & Discounts
- 243.3K Work, Benefits & Business
- 597.9K Mortgages, Homes & Bills
- 176.6K Life & Family
- 256.4K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards