Here’s where the story ends…

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  • KajiKita
    KajiKita Posts: 4,083 Forumite
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    I remember my first £1 test OP …. 😊❤️
    I will warn you, it gets addictive… 😉

    KK
    As at 15.05.24:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 <gulp>, now £252,383, end date brought closer by 2 months  
    - OPs to mortgage = £6,480, Interest saved £2,415, to date
    - LTV 51% @ccord, 51% Yopa
    Fixed rate 2.17% ends October 2024

    Read 23 books of target 52 in 2024 (as @ 4th June)
    Produce tracker: £40.58 of £300

    Watch your thoughts, they become your words. Watch your words, they become your actions. Watch your actions, they become your reality. 
  • skint_spice
    skint_spice Posts: 12,756 Forumite
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    KajiKita said:
    I remember my first £1 test OP …. 😊❤️
    I will warn you, it gets addictive… 😉

    KK
    😂😂😂 I can imagine!

    Just arranged to meet a friend to go to an art exhibition on Saturday so that will be a lovely start to my weekend.
    Mortgage End Date: Apr 36/Aiming for Aug 28/Current May 35

    Mortgage OP 2024 £3250/7000

    Mortgage balance: £50162

    Make £100 extra a month: June £0 Boiler £276/2000

  • savingholmes
    savingholmes Posts: 27,651 Forumite
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    Sorry it's been a tough day. Glad you have something to look forward to.
    Achieve FIRE/Mortgage Neutrality by mid 2030
    1) MFW Nov 21 £201,999 with 235 payments to go - now £182,428 Equity 27.02%
    2) Spend on handyman & external building works & new patio door £12.65K
    3) CC £6.4K on 0% spends card but offset by £33.9K savings (part EF, part future home improvement)
    4) Mortgage neutral by June 2030 AVC £10.1K/£127.5K AVC target 8% value at 15/5
    5) FI Age 60 annual income target £13.7/30K 45.7%
    6) SIPP £4.1K
  • beanielou
    beanielou Posts: 90,831 Ambassador
    Academoney Grad I'm a Volunteer Ambassador Mortgage-free Glee! Name Dropper
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    Lovely to have something to look forward to at the weekend  :)
    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.
  • newgirly
    newgirly Posts: 8,984 Forumite
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    skint_spice said:
    Come up, the more the merrier NG, we can go pj shopping together as I love pjs too😂

    The perfect day out 🤣
    2022 MFW 67 - 33 month challenge to clear mortgage, currently month 19 🙂MFI3 No.12
  • skint_spice
    skint_spice Posts: 12,756 Forumite
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    Ooo we have sunshine today! I was expecting rain, it’s a bit of a drive to where I am meeting my friend (about an hour and a half) but it’s along the coast so I will enjoy a podcast or two and the scenery. It’s weird as I think of this place as close by but where I am going on Monday is roughly the same length drive time wise but it’s a big treat and like a different world.


    Mortgage End Date: Apr 36/Aiming for Aug 28/Current May 35

    Mortgage OP 2024 £3250/7000

    Mortgage balance: £50162

    Make £100 extra a month: June £0 Boiler £276/2000

  • beanielou
    beanielou Posts: 90,831 Ambassador
    Academoney Grad I'm a Volunteer Ambassador Mortgage-free Glee! Name Dropper
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    Enjoy your day. 
    Are you meeting El ? 
    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.
  • skint_spice
    skint_spice Posts: 12,756 Forumite
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    beanielou said:
    Enjoy your day. 
    Are you meeting El ? 
    Thanks Beanie, not today but seeing her on Monday.
    Mortgage End Date: Apr 36/Aiming for Aug 28/Current May 35

    Mortgage OP 2024 £3250/7000

    Mortgage balance: £50162

    Make £100 extra a month: June £0 Boiler £276/2000

  • beanielou
    beanielou Posts: 90,831 Ambassador
    Academoney Grad I'm a Volunteer Ambassador Mortgage-free Glee! Name Dropper
    Options
    skint_spice said:
    beanielou said:
    Enjoy your day. 
    Are you meeting El ? 
    Thanks Beanie, not today but seeing her on Monday.
    Tell her I say hello  :)
    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.
  • skint_spice
    skint_spice Posts: 12,756 Forumite
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    Will do Beanie!

    Had a lovely day out today and the drive was lovely. It’s been a gorgeous sunny day up here but freezing, I would take this over warm rainy weather but still defrosting! Had a pizza out for lunch but apart from that and a soft drink I haven’t spent anything despite going into lots of lovely arty shops with huge price tags😂


    Mortgage End Date: Apr 36/Aiming for Aug 28/Current May 35

    Mortgage OP 2024 £3250/7000

    Mortgage balance: £50162

    Make £100 extra a month: June £0 Boiler £276/2000

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