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Here’s where the story ends…
Comments
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So I ended up running in torrential rain today, it was a bad decision to make today my day off contacts😂
Went to a$d@ this afternoon for a few bits and pieces for lunches and used a £5 voucher so every little helps.Mortgage OP 2026 £980/2000Mortgage balance: £31,407
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30,
Jun £120
Summer challenge £120/3002 -
Oh and just like monopoly after getting my cash back money this morning I got a letter from the council saying they are charging £50 for garden waste from next month 🙄Mortgage OP 2026 £980/2000Mortgage balance: £31,407
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30,
Jun £120
Summer challenge £120/3003 -
Ours have charged for years. Mad as I can only put food in mine because I dont pay but it all goes in the same blooming lorry.skint_spice said:Oh and just like monopoly after getting my cash back money this morning I got a letter from the council saying they are charging £50 for garden waste from next month 🙄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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 15months left.3 -
I will pay Beanie, maybe it will encourage me to garden more to get my money’s worth?😂Mortgage OP 2026 £980/2000Mortgage balance: £31,407
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30,
Jun £120
Summer challenge £120/3002 -
It might indeedskint_spice said:I will pay Beanie, maybe it will encourage me to garden more to get my money’s worth?😂
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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 15months left.2 -
Funnily enough I am just discussing this with friends, no one wants to pay😂
Good news for the day - got the message from nationvvide so £100 coming my way. DS delighted to be getting it too.Mortgage OP 2026 £980/2000Mortgage balance: £31,407
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30,
Jun £120
Summer challenge £120/3003 -
Glad you are getting the £100. It all helps.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
3) Mortgage neutral by 06/30 (AVC £42.5K + Lump Sums DB £4.6K + (25% of SIPP 1.7K) = 48.8K of £127.5K target 38.3% 24/5/26 (If took bigger lump sum = 71.K or 55.9%)
4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
5) SIPP £5.7K updated 29/5/262 -
Waiting for the washing machine to finish before heading into town, I swear it’s lying about the minutes left on purpose…
Limping on towards payday, trying not to spend too much money but need to buy a birthday present. I have done a bit more training so hopefully I will see that in my pay packet.Mortgage OP 2026 £980/2000Mortgage balance: £31,407
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30,
Jun £120
Summer challenge £120/3003 -
Oh, your washing machine does that too? Where the last minute on its clock lasts at least 5 ….! 🤔😂
Fingers crossed for the paypacket! 😊
KKAs at 18.06.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £214,281
- OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 42 books of target 52 in 2026 as @ 18th June.
Produce tracker: £139 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.4 -
Limping onto the end of the month too.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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 15months left.3
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