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Here’s where the story ends…
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We got a cheap kitchen (well we think it's cheap) rather than an expensive brand so that we could have it now and enjoy it. But our current kitchen is not functioning and so much is broken (including the hob that only works when it wants to). We've paid £5k or just over for an L shaped one with dishwasher. We had the other stuff already or bought elsewhere.
I've painted kitchens before too. I did one in pink and it was gorgeous and made it look like a completely different space. Cost me £22.
Your little kitty is so cute 🥰 🥰 🥰MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. A-£200, S- £200.
Total- £1562.23
Goal pay off 1% of current mortgage in 1 year. £1650
EF- first goal £300
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It's tough for our DS's. I feel my DS had gone backwards from owning to renting but that's how it goes sometimes.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 -
Had a lazy day yesterday, cut the grass and tidied up then headed into town to catch up with a friend for an early supper and a chat.
It was nice just having a read in the garden but today the rain is back! Off to the dentist’s for a check up then meeting some old colleagues for lunch, bit of a trek so contemplating a visit to the big Swedish store afterwards seeing I am almost there anyway.Mortgage OP 2025 £6750/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £35,463
Declutter 0/244
Money making challenge £58/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)3 -
Make a list to stick to before heading to the blue and yellow shop! 😉
Hope the check up goes well and enjoy the lunch 😊
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,148 Interest saved £5,738 to date
Fixed rate 3.85% ends October 2030
Read 48 books of target 52 in 2025, as @ 31st August
Produce tracker: £353 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.2 -
I resisted and just came home KK. Lunch was really nice, there were fourteen of us and we have all known each other between 30 and 40 years!
I have tidied up a bit and done the ironing, always a relief to get it out of the way. I have done my budget for next month and looking forward to payday 😂Mortgage OP 2025 £6750/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £35,463
Declutter 0/244
Money making challenge £58/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)3 -
Glad you had a good catch up.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 -
Sounds like you had a great time. Well done on resisting the Swedish shop too.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
(If bigger lump sum £15.8/30K 52.67%)
5) SIPP £4.8K updated 29/7/251 -
Sorry things are difficult with your Ma. It's a hard stage of life.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
(If bigger lump sum £15.8/30K 52.67%)
5) SIPP £4.8K updated 29/7/251 -
It is indeed SH, she is a shell of her former self, so sad.savingholmes said:Sorry things are difficult with your Ma. It's a hard stage of life.
so saw DM today with my dad and sis, sis met Miss S and was immediately smitten. She says she’s definitely getting a cat when she comes back to UK.
Have had so many expenses this month and due to work messing up now have even less money than I should so August will be a tight month, shame I have a hair appointment on Friday but it needs to be done, I will dye it myself.Trying to eat more frugally so will go mooch around OS for some ideas, was planning a tomato, chickpea soup tomorrow but I just checked and have no chickpeas😱 I thought there was always a can in the cupboard!Mortgage OP 2025 £6750/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £35,463
Declutter 0/244
Money making challenge £58/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)2 -
Today I have been quite industrious - went for a run, two loads of washing out, eyebrows tinted and plucked at home saving money and hair dyed! Getting my haircut tomorrow so hopefully I will look a bit more groomed.
Out for a walk later with a friend so a good day all in.Mortgage OP 2025 £6750/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £35,463
Declutter 0/244
Money making challenge £58/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)4
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