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Here’s where the story ends…
Comments
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Enjoy your kitten! Hope its adorable and you are filming its antics!!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 -
Thanks but it’s DS and his GF who have the kitten. I am getting lots of updates from them both😂savingholmes said:Enjoy your kitten! Hope its adorable and you are filming its antics!!
Just back from a few days away with one of my friends, had a lovely time but I am shattered!Mortgage OP 2026 £1860/2000Mortgage balance: £29,986
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30,
Jun £120, Jul £0, Aug
Summer challenge £120/3004 -
Well it’s been all go this week at work and folk trying to get me to do extra hours despite the fact I am around 8 hours over my contracted hours already. I am feeling as if I have been quite bolshy all week😂 I have been polite but firm. Actually working today but have a few hours free at the moment.
Underspent on holiday so have skimmed that off to cc bill, hopefully won’t have to take much out of bills account (paid car insurance).
Mortgage OP 2026 £1860/2000Mortgage balance: £29,986
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30,
Jun £120, Jul £0, Aug
Summer challenge £120/3003 -
Hope you enjoyed your break.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. 13 months left.2 -
how fun a new kitten to play with and see pics of
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#latest2 -
He is very handsome LWAP!
Break was great Beanie, I would love to go back sometime.
So just when I thought I was doing well I got a parking ticket through the post! I thought I had paid but it was in a remote spot and there doesn’t seem to be a corresponding payment off my bank account so I guess it didn’t work? It’s crap and I know I could ignore it but the letters arriving would stress me out too much. So I will pay but possibly never climb that hill again.I’m determined to skim this money from February’s remaining money so it’s going to be a quiet month!Mortgage OP 2026 £1860/2000Mortgage balance: £29,986
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30,
Jun £120, Jul £0, Aug
Summer challenge £120/3003 -
Bah to the parking ticket.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. 13 months left.2 -
Bad luck on the parking ticket. I’m the same as you - pay them to avoid the escalating stress …
Can we have a piccy or two of the grandkitty? Pretty please 😉😊
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 56 books of target 52 in 2026 as @ 2nd 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.2 -
just catching up on posts and wanted to say what a beautiful picture - thanks for sharing. I find the coast so calming too and wish we were nearer.Mortgage at largest £280050 with MF date 2038 - currently £152700 #40 2026 challenge £600/£3500 paid2
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Here is the handsome chap KK, he’s nine months old and huge!
Thanks IDOP I find the sea very calming too, it’s a great place to walk.Mortgage OP 2026 £1860/2000Mortgage balance: £29,986
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30,
Jun £120, Jul £0, Aug
Summer challenge £120/3006
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