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Here’s where the story ends…
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Nothing ventured nothing gained 😊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 -
Fingers crossed !🤞DON'T BUY STUFF (from Frugalwoods)
No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff. Money doesn’t walk out of your wallet on its own accord.
https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest2 -
I haven’t applied yet but closing date is the end of the month and I want to do a search for related articles to get some extra knowledge.
Today’s been a bit of a pamper day - hair and nails both done, shall try and get brows done tomorrow. Went to see a film this evening with a friend, film and company both excellent but glad to be home in a warm house in pjs with hot water bottle 🥰 sooo cold!
Mortgage End Date: Apr 36/Aiming for Apr 28/Current Jan 34
Mortgage OP 2025 £700/10000Mortgage OP 2024 £7700/7000
Mortgage balance: £43,713
40 pay days until freedom!
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)5 -
Hope you are warm and toastie. The pamper sounds nice.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K with 227 payments to go - now £177.5K Equity 29%
2) CC1 £12465 (0% expires Aug 26), CC2 £9032 (0% expires Aug 25) & CC3 £31 (0% exp Mar 25)
3) CC debt offset by £26K savings & £5K investments
3) Mortgage neutral by 06/30 (AVC £16.4K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) 22.1/£127.5K target 17.3% value @16/12/24
4) FI Age 60 income target £13.7/30K 45.7%
5) SIPP £4.6K @16/12/24
6) Set up new income streams: Start up costs £1203 -
Obviously I also have the cat sitting on me so extra heat😂savingholmes said:Hope you are warm and toastie. The pamper sounds nice.Mortgage End Date: Apr 36/Aiming for Apr 28/Current Jan 34
Mortgage OP 2025 £700/10000Mortgage OP 2024 £7700/7000
Mortgage balance: £43,713
40 pay days until freedom!
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)3 -
Lovely pampering
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 -
Just catching up, good luck with the application!skint_spice said:I haven’t applied yet but closing date is the end of the month and I want to do a search for related articles to get some extra knowledge.
Today’s been a bit of a pamper day - hair and nails both done, shall try and get brows done tomorrow. Went to see a film this evening with a friend, film and company both excellent but glad to be home in a warm house in pjs with hot water bottle 🥰 sooo cold!
Love a pamper day, I have only recently budgeted for regular hairdresser appointments for myself as a treat. Although I have one booked in a couple of weeks and I am already planning on cancelling as my hair has barely grown since the last one
lol:
It has been really cold here too. I had to get up in the night and find my nightgown and throw it over my duvet I was shivering that much
MORTGAGE BALANCE January 1st £118,267.06
Savings:-
EF:- £1613.43/3000
MOP:- £226.73/ 1000 (before August '25)
SnowBallFund:- £400/936.30(before March '25)
Debts 2025:-
Car- 0/12386
Carpet -563.70/1500
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I had my hair cut short a few months ago and now have to go regularly! Previously it might have been every 3 or 4 months 😂debtfreewannabe321 said:
Just catching up, good luck with the application!skint_spice said:I haven’t applied yet but closing date is the end of the month and I want to do a search for related articles to get some extra knowledge.
Today’s been a bit of a pamper day - hair and nails both done, shall try and get brows done tomorrow. Went to see a film this evening with a friend, film and company both excellent but glad to be home in a warm house in pjs with hot water bottle 🥰 sooo cold!
Love a pamper day, I have only recently budgeted for regular hairdresser appointments for myself as a treat. Although I have one booked in a couple of weeks and I am already planning on cancelling as my hair has barely grown since the last onelol:
It has been really cold here too. I had to get up in the night and find my nightgown and throw it over my duvet I was shivering that much
Walked into town and got my brows done so now on top of the grooming! It poured on the way back and I got soaked so that’s my excuse for not doing much else…Mortgage End Date: Apr 36/Aiming for Apr 28/Current Jan 34
Mortgage OP 2025 £700/10000Mortgage OP 2024 £7700/7000
Mortgage balance: £43,713
40 pay days until freedom!
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)6 -
Good luck with the job application 🙂2022 MFW 67 - 33 month challenge to clear mortgage, currently month 26 🙂MFI3 No.122
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Shattered today, lots of walking at work taking people to the beach - dry for once! It was a nice day but tiring. It was very windy so I am still shaking sand from my hair.
Came home and decided to hang some washing out, snuggled up with the cat and a cuppa and looked out of the window to find it was pouring! Had to dash out and retrieve it quickly, the air smelled gorgeous though - petrichor?
Still need to go see my folks and to the supermarket…Mortgage End Date: Apr 36/Aiming for Apr 28/Current Jan 34
Mortgage OP 2025 £700/10000Mortgage OP 2024 £7700/7000
Mortgage balance: £43,713
40 pay days until freedom!
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)5
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