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Comments
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Brilliant OPs and refunds! The most I ever get is like £2 from Mr Tskint_spice said:Requested a refund from octopus so £111 coming my way soon. That was an easy £100+😂
Emergency Fund -£1000
Grocery Spends -Oct £408/500. Nov £243.39/500
Debts- CC 316, CC 3058.17, Kitchen loan 38573 -
Always nice to get your own £ back. Well done on the OPs. I'd feel like I'd won the lottery if I was only £40K from being mortgage free!Achieve FIRE/Mortgage Neutrality
1) MFW Nov 21 £202K now £165K Equity 38.88% 6/9/26
2) £1.5K Net savings after CCs 29/8/26 (but owed £130) so £1.6K
3) 47/82K @29/8/26 = 57.31% AVC Goal by mid 20282 -
It will still be £49k when I break it but it is great every time I get down another 5k in my opinion anyway 😂 one day you will be MF SH, just imagine…savingholmes said:Always nice to get your own £ back. Well done on the OPs. I'd feel like I'd won the lottery if I was only £40K from being mortgage free!Mortgage OP 2026 £1990/2000Mortgage balance: £29,071
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30, Jun £120, Jul £0, Aug £45, Sept £0, Oct £5, Nov £205 -
Had a nice day out with my mse pal today, put the world to rights etc. good walk and a wee swim too.
it was good to get a break as DM is in hospital and most of my time off has been spent running my dad up to see her. Not sure what will happen but I don’t see her getting home soon if ever. She’s not been good for about a year so not a huge surprise but still not good to see.
Oh and I have an interview next week…Mortgage OP 2026 £1990/2000Mortgage balance: £29,071
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30, Jun £120, Jul £0, Aug £45, Sept £0, Oct £5, Nov £203 -
Glad that you had a good day with el.
Sorry to hear about your mum.
Good news on the interview.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.
One debt remaining. Home improvement loan. 9 months left.4 -
Glad the time with your friend was good - always restorative 😊
Sorry to hear about your mum. Always a sad process, seeing someone age like that.Vibes ~~~~~~~~SkintSpice~~~~~~~~ for the interview! 😊🤩👏🎉🥳😁
KKAs at 16.10.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £209,304
- OPs to mortgage = £20,603 Estd. interest saved = £10,635 to date
c. 18 months reduction in term
Fixed rate 3.85% ends October 2030
Read 80 books of target 52 in 2026 as @ 7th November.
Produce tracker: £356 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 -
Another £7 claimed from survey site, many a mickle…Mortgage OP 2026 £1990/2000Mortgage balance: £29,071
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30, Jun £120, Jul £0, Aug £45, Sept £0, Oct £5, Nov £206 -
N@tionwide money appeared this morning so that got added to the signature and paid into the boiler fund. Octopus refund arrived but due to being spendy spice this month I have sent that to cc to try to minimise my payment next month 😫
Going to do some online training for work and try to earn some extra money.
Mortgage OP 2026 £1990/2000Mortgage balance: £29,071
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30, Jun £120, Jul £0, Aug £45, Sept £0, Oct £5, Nov £203 -
Sorry to hear about your mum ❤️
Love that you have a real life MSE pal! We all need one of those!Emergency Fund -£1000
Grocery Spends -Oct £408/500. Nov £243.39/500
Debts- CC 316, CC 3058.17, Kitchen loan 38574 -
It’s good to have someone to share the MSE trivia with, who gets it😂 I have told folk in the past I am overpaying my mortgage and got told life is too short. So keeping quiet about it mostly, one of my friends knows but I think she would be surprised how much I am OPing.debtfreewannabe321 said:Sorry to hear about your mum ❤️
Love that you have a realtor life MSE pal! We all need one of those!
Just made another OP of £50 so I think that will be me in the forties next month🎉🎉🎉Mortgage OP 2026 £1990/2000Mortgage balance: £29,071
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30, Jun £120, Jul £0, Aug £45, Sept £0, Oct £5, Nov £206
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