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Here’s where the story ends…
Comments
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Had a crap day at work yesterday, nothing earth shatteringly awful but just hit home that this mortgage needs gone so I can say no to work.So this morning I have sent another £150 to the mortgage bringing my total for this year up to £6000🎉 not bad going.
Today’s plans include rejigging of budget, washing out as it’s dry, visiting DM with DD and listing a couple of things on v!nted.Mortgage OP 2025 £7050/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,965
Money making challenge £78/400
”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.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.2 -
Same here … Another 14 years of paying down the mortgage unless I can accelerate it. I like my current job but I can’t face doing it (or any other one) for yet another 14 years …
Well done on the OP 😊👏
KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 59books of target 52 in 2025, as @ 18th October
Produce tracker: £426 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.5 -
I get the work thing. I like what I do and my goodness I've had to work hard to build things up after PPH left but I don't want to be doing it forever which is why the sight is set on retirement somehow (due to PPH/ex I was in the unusual position of MF but no money pots).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 !!2 -
I do like my job most of the time but sometimes other people’s MH is a lot to deal with. It’s would be good to have a choice.Mortgage OP 2025 £7050/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,965
Money making challenge £78/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)3 -
Gorgeous day here today, washing is out obviously 😂 I am thinking of going to a fairly local NT place for a wander round the gardens this morning and will come home and do the housework later and have some lunch.Mortgage OP 2025 £7050/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,965
Money making challenge £78/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)2 -
Too hot for housework today skinty. How’s the fur bundle?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.2 -
OMG at the cute kitty. I used to have a cat (before I got asthma and then allergic to animals 😭) that looked EXACTLY like yours! Aw so nice to see a pic and have nice memories of my fluffy little bundle.
Just lately I have been having a real mid-life crisis about needing to pay the mortgage for another 19 years. I can't face doing my job for that long, and I don't even want to be working that long either. I will be 65 😑 so I know I need to make some sort of plan to pay this mortgage down asap....I think you are doing amazing getting into the 30s..I can only dream of that 🤩 (and I do, often. 🤣)Mortgage Overpayments 2024/25 - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. A-£200, S- £221.34. O-£200EF- £642.41/500
Total- £1783.67
Goal pay off 1% of current mortgage in 1 year. £1650
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No housework done yet but needs doing Beanie. The fluffy one has been investigating the small piece of chicken I gave her when I was making my lunch, she seemed to think she might like it but she’s not sure. She is enjoying the sun and alternating between lying in front of the front door feeling the heat from the glass and at the living room window which is south facing😅beanielou said:Too hot for housework today skinty. How’s the fur bundle?Mortgage OP 2025 £7050/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,965
Money making challenge £78/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)2 -
Awww I am glad she’s bringing back happy memories, she is a wee bundle of nonsense full of joy.debtfreewannabe321 said:OMG at the cute kitty. I used to have a cat (before I got asthma and then allergic to animals 😭) that looked EXACTLY like yours! Aw so nice to see a pic and have nice memories of my fluffy little bundle.
Just lately I have been having a real mid-life crisis about needing to pay the mortgage for another 19 years. I can't face doing my job for that long, and I don't even want to be working that long either. I will be 65 😑 so I know I need to make some sort of plan to pay this mortgage down asap....I think you are doing amazing getting into the 30s..I can only dream of that 🤩 (and I do, often. 🤣)
Officially my mortgage is due to run until I am 67 - what a thought! You are doing a lot of work on your house at the moment, it’s hard to find the money for both. I really want a new kitchen…Mortgage OP 2025 £7050/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,965
Money making challenge £78/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)3
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