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Here’s where the story ends…

1575860626365

Comments

  • Happy New Year!  Good luck with the overpayments, hopefully a nice tax refund will help in January.  
    "These things take time but I know that I'm the most inept that ever stepped"
  • skint_spice
    skint_spice Posts: 13,172 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Happy New Year!  Good luck with the overpayments, hopefully a nice tax refund will help in January.  
    Oh I was thinking about you earlier - my son sent me a Smiths song😂
    Mortgage End Date: Apr 36/Aiming for Apr 28/Current Oct 33

    Mortgage OP 2025 £1850/10000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £42,232

    39 pay days until freedom!

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • Happy New Year!  Good luck with the overpayments, hopefully a nice tax refund will help in January.  
    Oh I was thinking about you earlier - my son sent me a Smiths song😂
    Good Son! Which song was it?  
    "These things take time but I know that I'm the most inept that ever stepped"
  • skint_spice
    skint_spice Posts: 13,172 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Back to the Old House? He is indeed a good son.
    Mortgage End Date: Apr 36/Aiming for Apr 28/Current Oct 33

    Mortgage OP 2025 £1850/10000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £42,232

    39 pay days until freedom!

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • beanielou
    beanielou Posts: 94,067 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    All our sons are good! 
    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.
  • skint_spice
    skint_spice Posts: 13,172 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    So I have added a quote that I saw in Gally Girl’s signature to mine as it’s something I really need to remember to stay on track!

    and with that in mind I said no to a night out and yes to some extra overtime😂 I am not saying no to everything but feel I am already overextended in January with meals out! I will manage though 😎

    Opened a m0nz0 account for holiday spending and managed not to spend anything on clothes despite being tempted😂
    Mortgage End Date: Apr 36/Aiming for Apr 28/Current Oct 33

    Mortgage OP 2025 £1850/10000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £42,232

    39 pay days until freedom!

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • beanielou
    beanielou Posts: 94,067 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Love the new addition to your signature. 
    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.
  • skint_spice
    skint_spice Posts: 13,172 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Went out for lunch yesterday with DS and his girlfriend, my treat and it was remarkably cheap - result. I spent yesterday frozen though and struggled to warm up until I went to bed with a hot water bottle.
    Also bumped into Ex’s DM and went for a coffee with her, was nice to catch up.
    Not been too spendy this week, trying to stay on track with food as I have a stinking cold and can’t exercise 😩
    Mortgage End Date: Apr 36/Aiming for Apr 28/Current Oct 33

    Mortgage OP 2025 £1850/10000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £42,232

    39 pay days until freedom!

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • beanielou
    beanielou Posts: 94,067 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Take care x
    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.
  • KajiKita
    KajiKita Posts: 6,271 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Hope you start to feel better soon. 

    KK
    As at 15.01.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £244,153
    - OPs to mortgage = £9,694 Interest saved £4,182 to date
    Fixed rate 3.85% ends November 2029

    Read 4 books of target 52 in 2025, as @ 7th February
    Produce tracker: £16 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. 
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