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Here’s where the story ends…
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Lovely. Food for the soul.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.4 -
Gorgeous view!Emergency Fund goal - £1000/1300
Mortgage OP goal 2026 - £1200/£4500
-Smaller goal £0/800
Read 24 books this year 20/243 -
Ah ….. happy sigh 🌞 Just lovely 😊
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 -
Gorgeous photoAchieve 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 -
Not been up to much apart from work, walking and running... met a friend for brunch and a walk this morning which was lovely also healthy and cheap so that was a bonus. Heading into the city tomorrow which might be a nightmare with traffic and trains although it's all heading this way so who knows? Only two more shifts at current job so hoping for some time off before starting new job.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 £120/3003 -
Hope the city trip went okay.
Do you have a start date for the new role yet?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 20281 -
We had a lovely day SH, thanks and trains were fine as everyone was going in the opposite direction.savingholmes said:Hope the city trip went okay.
Do you have a start date for the new role yet?No start date yet but hopefully I can get it sorted out later this week. I am in no rush but it would be good to have it sorted.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 £120/3002 -
Hope the sun makes an appearance while you have time off.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 -
So currently a lady of leisure... hopefully for a couple of weeks/ a month. I need a rest but not for too long!
Today I have done a bit of gardening or rather weeding and not much else. It's payday so bank balance looks a bit healthier and I have finally reached payout again on OnePoll so hopefully that will arrive soonish. I really need to get some clothes on to vinted or to a charity shop as it's time for a clear out!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 £120/3003 -
Good luck with the clearout.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
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