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Here’s where the story ends…
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Happy New Year everyone! I’m not one for the partying aspect but love the idea of turning a new page with lots of possibilities ahead.
Must tidy up as my dad is coming over for lunch then we are off to see my mum. Apart from that there will be garden planning and lazing around.Mortgage OP 2026 £50/2000Mortgage OP 2025 £7700/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £33,546
Make £50 a month Jan £0
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)4 -
First £50 OP for the year, can’t see it being much more this month due to Januariness, however who knows?
Woke up at 6 this morning and decided I might as well get up as I am working tomorrow and it will make getting up then easier.
I am planning a walk/run today, will see how I go but finally starting to feel better 🎉Mortgage OP 2026 £50/2000Mortgage OP 2025 £7700/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £33,546
Make £50 a month Jan £0
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)3 -
Oh I’m so relieve you are feeling more like you. And that means you get a day of feeling better before you have to start work again 😊👏
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 2 books of target 52 in 2026 as @ 4th January
Produce tracker: £10 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.2 -
And it’s also a day I don’t “have” to do anything. Housework done and I shall give the cat another couple of days with her tree😂KajiKita said:Oh I’m so relieve you are feeling more like you. And that means you get a day of feeling better before you have to start work again 😊👏
KKMortgage OP 2026 £50/2000Mortgage OP 2025 £7700/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £33,546
Make £50 a month Jan £0
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)4 -
Her tree!! 😂😂😂🤩❤️
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 2 books of target 52 in 2026 as @ 4th January
Produce tracker: £10 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.2 -
Glad you are on the mend.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.2 -
Here’s madam still climbing the tree as I took it down! Christmas has gone back in the cupboard.
NSD today🎉 thankfully! Hopefully tomorrow will be a low spend day.Mortgage OP 2026 £50/2000Mortgage OP 2025 £7700/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £33,546
Make £50 a month Jan £0
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)4 -
Such a beautiful girl.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.2 -
After reading Beanies post I just checked my MSE joining date - feb 2007😱😱😱 I have been talking nonsense for a long time!Mortgage OP 2026 £50/2000Mortgage OP 2025 £7700/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £33,546
Make £50 a month Jan £0
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)3 -
Nearly as long as me 😹skint_spice said:After reading Beanies post I just checked my MSE joining date - feb 2007😱😱😱 I have been talking nonsense for a long 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.3
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