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Here’s where the story ends…
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Finally got round to putting some items on v!nted and one sold within minutes so hopefully this might encourage some mammoth decluttering!Mortgage OP 2025 £7700/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £33,821
Boiler fund £605/3000
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)5 -
I have entered a 10k towards the end of December so now I have to make sure I can run that far by then… I have been plodding along doing 5k for months so did just over 4 miles this morning and Strava informed me it was 7C but felt like -5C - agreed! Must remember my running gloves next time! I did however enjoy it once my hands warmed up😆
This afternoon I plan on making some soup for the next couple of days at work then it’s film club later with my friend. Hopefully another couple of things on Vinted too.Mortgage OP 2025 £7700/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £33,821
Boiler fund £605/3000
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)5 -
Well done on the OPs - fantastic result.
Equal congrats on turning down overtime. Sometimes you have to meet your own needs first.
Cat pictures are adorable.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.3K Equity 36.55%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
(If took bigger lump sum = 62K or 48.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5.1K updated 14/11/251 -
Well my needs now include a new boiler asap! Hoping it might last until the summer but most OPs will now be diverted towards this as I had a very uncomfortable few days waiting to get my heating repaired (the wait was due to my working) and engineer pointed out a few parts that are now obsolete, luckily it wasn’t any of those causing the problem!
I now expect to see less of the cat who has already moved back to the windowsill with a radiator underneath 😂 I have sent £105 to get this fund started! I could cover it from savings if it gives up the ghost before then but obviously I don’t want to 😩😂Mortgage OP 2025 £7700/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £33,821
Boiler fund £605/3000
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)0 -
Not the best. Laughing at the cat.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 back from a few days away in Budapest with bestie and back to reality - auld claes and porridge! Taking it easy today as I didn’t get in til almost one and that was really two due to time difference.
DS stayed and looked after cat which will have pleased her immensely but she was still happy to see me.
Money has been shuffled and £150 op-ed as that matches it up to last year’s amount. Not sure if I can do the same next year as I am trying to save but I need to have a think and make a plan.
Another item sold on vinted so need to get some more stuff up.Mortgage OP 2025 £7700/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £33,821
Boiler fund £605/3000
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)3 -
The wee maw always used to say that too after a holiday. Hope you enjoyed your time away.skint_spice said:So back from a few days away in Budapest with bestie and back to reality - auld claes and porridge!1 -
Thanks, it was lovely Teapot.teapot2 said:
The wee maw always used to say that too after a holiday. Hope you enjoyed your time away.skint_spice said:So back from a few days away in Budapest with bestie and back to reality - auld claes and porridge!Mortgage OP 2025 £7700/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £33,821
Boiler fund £605/3000
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)1 -
Auld claes & porridge
Glad you had a good time.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 -
That was a new one on me (am a long way from Scotland 😅), however having Googled it I love it!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!!!1
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