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Here’s where the story ends…
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As at 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,816 Interest saved £5,28 to date
Fixed rate 3.85% ends January 2030
Read 40 books of target 52 in 2025, as @ 29th July
Produce tracker: £243 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.3 -
Not been too bad spending wise so far hopefully might have enough for another OP later in the month. I have bought a few things of v!nted so now have a lovely wardrobe full of things I love for a fraction of what they should have cost.
I have had a lazy day today, mooched about, read and watched tv, made soup, visited DM, did the shopping and made a yummy curry with HM naan bread for dinner. So lots of healthy eating if not much exercise 😂Mortgage OP 2025 £6200/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £36,260
Money making challenge £38/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)6 -
I ran outside for the first time in ages and it’s so much easier than on a treadmill! Then went to get tyres, none in stock but have appointment for tomorrow afternoon.Walked into town to buy a present for a friend and suddenly realised how few shops there are in my town these days😳
I have eaten healthy food all day and tracked everything - surely that final half a stone will be gone tomorrow 🙏Mortgage OP 2025 £6200/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £36,260
Money making challenge £38/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)4 -
Well done on getting our for a run 😊
Hahahaha to the tracking for one day and that half stone will have dropped off …😉 I gave myself a break from all the tracking last week as it was getting on top of me. It was interesting to observe which of my habits have shifted … not enough, but some, which I found encouraging. I didn’t lose but didn’t gain last week 😊
KKAs at 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,816 Interest saved £5,28 to date
Fixed rate 3.85% ends January 2030
Read 40 books of target 52 in 2025, as @ 29th July
Produce tracker: £243 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.3 -
If only KK, my hardest time is having to eat in my car when working. I have just been grabbing something in the shops or taking a sandwich but today I have homemade soup - chickpea and tomato - zero points and tasty!Need to start the car up and get it scraped, it’s frosty out there today. New tyres later so that will be most of my car savings gone😱Mortgage OP 2025 £6200/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £36,260
Money making challenge £38/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)3 -
👏 for the HM soup for warmth, frugality and calorie control 😊
But at least the new tyres have cash waiting for them, it won’t end up on a CC 😊
KKAs at 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,816 Interest saved £5,28 to date
Fixed rate 3.85% ends January 2030
Read 40 books of target 52 in 2025, as @ 29th July
Produce tracker: £243 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.3 -
New tyres are on🎉 I worked this morning and had the afternoon off so gym, tidying up and tyres. Also picked up a new to me skirt which is lovely - I bought the dark denim version last week and black this week😂 I can see them being worn to death and great value at a fiver each.Mortgage OP 2025 £6200/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £36,260
Money making challenge £38/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)3 -
Oh and I decided to make an OP of £100 which means I have reached my target for the year🎉🎉🎉Mortgage OP 2025 £6200/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £36,260
Money making challenge £38/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)9 -
Woohoo. That’s fantastic.skint_spice said:Oh and I decided to make an OP of £100 which means I have reached my target for the year🎉🎉🎉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. ***Be the difference.***
One debt remaining. Home improvement loan.3 -
That’s fantastic news, well done 😊skint_spice said:Oh and I decided to make an OP of £100 which means I have reached my target for the year🎉🎉🎉
As an aside, I love it when you find a piece of clothing that really suits and you can buy it in more than one colour 😊
KKAs at 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,816 Interest saved £5,28 to date
Fixed rate 3.85% ends January 2030
Read 40 books of target 52 in 2025, as @ 29th July
Produce tracker: £243 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.4
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