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Here’s where the story ends…

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  • KajiKita
    KajiKita Posts: 7,533 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Oh she is absolutely adorable! 🤩❤️
    I hope you will be trained to required standards very quickly! 😉😂

    KK
    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 = £11,338 Interest saved £5225 to date
    Fixed rate 3.85% ends January 2030

    Read 37 books of target 52 in 2025, as @ 23rd July
    Produce tracker: £223 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. 
  • savingholmes
    savingholmes Posts: 28,953 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Very cute.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £3K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.6K updated 6/7/25
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,744 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    So in not very money saving news I bought a kitten😂 it should save me a fortune in food and drinks though as she seems to like falling asleep on me and obviously I wouldn’t dare move her😂 meet little Miss S

    oh my how adorable, Yes you will starve ;)

    Well done on ' have actually used up my 20% OP allowance ' how amazing!
    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#latest
  • Jessy103
    Jessy103 Posts: 2,226 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Oh my days, she's adorable!! 😍
    Mortgage Balance as of July 2025 £14,900.
    Starting Mortgage Balance (June 2019) £72,000.
    Aiming to be mortgage free by my 40th birthday, June 2026!
  • skint_spice
    skint_spice Posts: 13,393 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    She’s settling in well, currently playing football and taking part in a parkour tournament.

    More spending today, Father’s Day gift and I treated myself to a M&S beauty bag, because I’m worth it - or was that a different brand 😂
    Mortgage OP 2025 £6000/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,680

    ”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: 95,426 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Such cuteness. 
    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.
  • Watty1
    Watty1 Posts: 6,737 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Miss S is adorable.   So adorable.  
    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
  • libster08
    libster08 Posts: 24 Forumite
    Part of the Furniture 10 Posts Photogenic
    Oh wow she is so cute
    SAVE £25000 IN 2018 25600/25000 NO. 118

    SAVE £30000 IN 2019 3000/30000 NO. 14
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,744 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    So adorable
    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#latest
  • dawnybabes
    dawnybabes Posts: 3,338 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Awww (rushes off to look at buying a kitten or two) 
    Sealed pot challenge 822

    Jan - £176.66 :j
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