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Here’s where the story ends…
Comments
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Well I have the first of my payslips (from new job) and it’s much better than I expected so there will be a reasonable OP for September and I won’t need to raid my savings🎉
Ran 5k although I got to the beach and just drove home instead as the rain was bouncing at the time, it was only raining when I went out later😂
I have a chicken taco mix thing in the slow cooker for later which should do four dinners, freezer meals have been run down lately so stocking up again.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 -
Great news on the payslip! And for the savings remaining in tact
Emergency Fund goal - £1000/1300
Mortgage OP goal 2026 - £1200/£4500
-Smaller goal £0/800
Read 24 books this year 20/244 -
Great news on the pay.
On the cramp - try bananas.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 20283 -
Oh how satisfying that payslip must have been! 😊 Is the job okay?
We have had bouncing rain and bright sunshine here today again, in spite of the fir3cast being supposed to be dry all day … 🤷♀️🙄😊
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 55 books of target 52 in 2026 as @ 1st August.
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 -
Yes, the job is good so far kk. Had a wee chat by text with boss yesterday and she is very helpful and supportive.
I keep thinking it can’t rain anymore then it does!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 -
Sounding good 😊skint_spice said:Yes, the job is good so far kk. Had a wee chat by text with boss yesterday and she is very helpful and supportive.
Ugh, same here … 🤷♀️skint_spice said:I keep thinking it can’t rain anymore then it does!
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 55 books of target 52 in 2026 as @ 1st August.
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 -
We've had almost non stop rain where I am too. Certainly feels that way.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 -
Rain rain go away.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 -
Good luck 👍 and keep going.3
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Thank you lookbook and welcome!lookbook said:Good luck 👍 and keep going.
Well I just received my other payslip and it’s also more than anticipated - got some holiday pay and they have given me some tax back which will mess up my tax code again and I will end up paying it back from October to March no doubt🙄 anyhow I think I will manage to make my usual OP🎉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
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