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Here’s where the story ends…
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Chucking it down here 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.5 -
Well it rained most of the day, I got in and found that when I was off yesterday my boss had sorted out a plan b with the person I was expecting to host outdoors and come up with an alternative - result many happy faces. Boss is being super nice and helpful as she wants me to stay😂It dried up for me to walk round to the polling station so that was good.
A top arrived from Vinted that I bought despite not liking colour as I love the shape and plan to dye it, disappointed mr t has no dyes so might have to visit a hardware type shop at the weekend…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 £120/3005 -
You have inspired me to post 2 things on vinted this eve!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#latest5 -
Is there any chance you’ll change your mind and stay in your current role …? I didn’t think it was very likely? 🤔
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 -
Knowing me I will probably buy them😂LadyWithAPlan said:You have inspired me to post 2 things on vinted this eve!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 £120/3004 -
Not a chance! But it’s nice that she’s being so nice😜KajiKita said:Is there any chance you’ll change your mind and stay in your current role …? I didn’t think it was very likely? 🤔
KKMortgage 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 £120/3004 -
So today I took back the electric toothbrush I bought the other day because it wasn’t charging and got my money back - I hate returning things so it was a relief to get it done. I then used nectar points to fund most of a new one, so saved about £30🎉
I ran this morning and it was lovely to see the sun shining and everyone smiling, long may it last! I dyed the top I bought along with a vest top and some shorts to a dark olive colour which suits my colouring much better so another good result.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 £120/3005 -
Well done on dying the clothes - and especially the run.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 -
Great idea dyeing stuff, i wish there was a way to make them slightly bigger at the same time though 😆MFW 67 - Finally mortgage free! 💙😁3
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Wee photo from tonight’s run. Not much happening here just plodding, not spending too much, met some friends today for a walk and coffee which was lovely and cheap 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 £120/3006
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