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Comments
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Wait til you get to my age 😂😂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.
One debt remaining. Home improvement loan. 9 months left.5 -
Life is going by so quickly I am sure if I lay down for a nap I will wake up 64!😂beanielou said:Wait til you get to my age 😂😂Mortgage OP 2026 £1990/2000Mortgage balance: £29,071
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30, Jun £120, Jul £0, Aug £45, Sept £0, Oct £5, Nov £204 -
I remind myself, getting older is better than the alternative!
The trip ideas look good. You could do a lot in one year or stagger them. I’ve just been looking up Galicia - it looks beautiful and definitely something to be enjoyed at a slow pace. I like the idea of the pilgrim’s passport too.
MFW diary: https://forums.moneysavingexpert.com/discussion/6254913/never-a-good-time-but-here-goes#latest
Original MF date: October 2036 (£81,500)
MF and emergency fund(ed): September 2026.
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Oh I can’t afford to do them all! If only…ladysummerisle said:I remind myself, getting older is better than the alternative!
The trip ideas look good. You could do a lot in one year or stagger them. I’ve just been looking up Galicia - it looks beautiful and definitely something to be enjoyed at a slow pace. I like the idea of the pilgrim’s passport too.
money back from oct0p0ds today so £100 towards my holiday spends🎉Mortgage OP 2026 £1990/2000Mortgage balance: £29,071
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30, Jun £120, Jul £0, Aug £45, Sept £0, Oct £5, Nov £203 -
Love the new trip pot.
Hope you are feeling betterAchieve FIRE/Mortgage Neutrality
1) MFW Nov 21 £202K now £165K Equity 38.88% 6/9/26
2) £1.5K Net savings after CCs 29/8/26 (but owed £130) so £1.6K
3) 47/82K @29/8/26 = 57.31% AVC Goal by mid 20281 -
Much better thanks SH.
£50 nati0nw!de money received today so that’s off to holiday spending too - easy come, easy go!Mortgage OP 2026 £1990/2000Mortgage balance: £29,071
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30, Jun £120, Jul £0, Aug £45, Sept £0, Oct £5, Nov £203 -
No, no … not needed to pay off a debt or put food on the table. Instead, carefully swept off to making a dream come true 😊skint_spice said:Much better thanks SH.
£50 nati0nw!de money received today so that’s off to holiday spending too - easy come, easy go!
KKAs at 16.10.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £209,304
- OPs to mortgage = £20,603 Estd. interest saved = £10,635 to date
c. 18 months reduction in term
Fixed rate 3.85% ends October 2030
Read 80 books of target 52 in 2026 as @ 7th November.
Produce tracker: £356 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.5 -
It’s not the retirement holidays KK just my regular holiday fund😂 showing my priorities here 😂 as I get older I want to make sure I have enough experiences in my memory bank to sit back and be content.Mortgage OP 2026 £1990/2000Mortgage balance: £29,071
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30, Jun £120, Jul £0, Aug £45, Sept £0, Oct £5, Nov £205 -
Looooong day at work today (14 hours) but a few days off now🎉
I had three nsds in a row and only failed today because I bought myself and the person I was supporting a coffee. I just noticed on my spending bank account which is linked to savings I have rounded up 45 times saving £18.23! I was always sceptical of round ups but this is since February and I have hardly noticed it. Good result!Mortgage OP 2026 £1990/2000Mortgage balance: £29,071
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30, Jun £120, Jul £0, Aug £45, Sept £0, Oct £5, Nov £204 -
I had a lovely day yesterday at a craft class with a friend possibly not a craft I would try again but there was a good mix of people and a fun day.
Today I have been shattered and haven’t done much at all. I have arranged a couple of mate dates for next week for long needed catch ups and did a bit of shopping. Sainsbos have their discount on clothing on so I treated myself to a scarf. Finally dyed my hair as the glitter was starting to take over!Mortgage OP 2026 £1990/2000Mortgage balance: £29,071
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30, Jun £120, Jul £0, Aug £45, Sept £0, Oct £5, Nov £202
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