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Here’s where the story ends…
Comments
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Another £750 overpaid and another two months off the mortgage, bringing me into the forties - only just but I am there🎉🎉🎉
I am sure I had more news but it’s gone out of my mind🤦♀️Mortgage OP 2026 £1860/2000Mortgage balance: £30,298
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30,
Jun £120, Jul £0, Aug
Summer challenge £120/3008 -
That's awesome. Be proud.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. 14 months left.3 -
Thanks Beanie, it’s great to see the months coming off 💗beanielou said:That's awesome. Be proud.Mortgage OP 2026 £1860/2000Mortgage balance: £30,298
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30,
Jun £120, Jul £0, Aug
Summer challenge £120/3004 -
Oh wow! I'm just catching up (and singing that song in my head as I type 🤣)!
Congratulations on the job!! Woop!
Pleased your mum is nearer to you too.
And fantastic news about the OP!! I dream of being that low in a mortgage...it would feel like the end is in sight!Emergency Fund goal - £1000/1300
Mortgage OP goal 2026 - £1200/£4500
-Smaller goal £0/800
Read 24 books this year 20/243 -
Thanks dfwannabee I can’t wait until I am actually free!🎉🎉🎉
I have had a great day off - I ran, walked into town and got my hair done, cleaned the house and caught up with the washing, visited DM and did the shopping which sounds a lot but lots of time relaxing too and a chat to Elantan which is always good. I may have bought a few things on Vinted but still cheaper than in the shops and better for the environment. Ooo I also picked up some lovely beads at the chazza - look fab all layered up.
Cashed out £12 on prolific and lost another pound on my diet so small moves in the right direction (still 7 lb to target).🎉🎉🎉
Mortgage OP 2026 £1860/2000Mortgage balance: £30,298
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30,
Jun £120, Jul £0, Aug
Summer challenge £120/3004 -
Glad that you enjoyed your day.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. 14 months left.3 -
Well done on the weight loss. Fantastic OPs. Glad you had a lovely day too.Achieve FIRE/Mortgage Neutrality
1) MFW Nov 21 £202K now £166.7K Equity 38.23% 12/7/26
2) £1.8K Net savings after CCs 31/7/26 (but owed £400) so £2.2K
3) 44.5/82K = 54.26% AVC Goal by mid 20282 -
Doing well on all fronts 😊
Have you handed your notice in and know your start date for your new job yet?KKAs at 16.07.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £213,042
- OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 53 books of target 52 in 2026 as @ 27th July.
Produce tracker: £192 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.3 -
Thanks ok, yes and no. Notice is in, three weeks left to work but no start date yet, I was saying to El yesterday that even if I have a month off I will be fine and that might even be a positive. I’m hoping summer might have rebooted by then.KajiKita said:Doing well on all fronts 😊
Have you handed your notice in and know your start date for your new job yet?KK
Today I had an outdoor thing planned for work but the rain has been lashing off the windows… not sure what plan b is but it will be interesting 😂Mortgage OP 2026 £1860/2000Mortgage balance: £30,298
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30,
Jun £120, Jul £0, Aug
Summer challenge £120/3005 -
Wow you're on a roll! Love it!
Rain had gone from here but looking out the windows now all I see is grey clouds blowing in ugh. Hope your plan B is a good'un 😁❤️Emergency Fund goal - £1000/1300
Mortgage OP goal 2026 - £1200/£4500
-Smaller goal £0/800
Read 24 books this year 20/243
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