We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Here’s where the story ends…
Comments
-
Awwww .... bless the lil Munchkin-sweetie ....skint_spice said:Day off at last - several actually as I am not back until Sunday. Attempting a rest with a cup of tea in bed but Miss S is playing fetch so bringing her ball to me😂
You can rest some other time, says lil Miss S with an airy wave of her paw. NOW you must play with me!!
KKAs at 15.09.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £230,969
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 58 books of target 52 in 2025, as @ 12th 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.2 -
Ended up working overtime last week and taking more over the next couple of months. I have booked someone to put new fences up for me which will make my garden feel much more private and hopefully encourage me to spend more time there and pretty it up. But while I have the money in savings I want to replace it asap!
Had a lovely day with friend on sat at a talk about herbs, food for thought and a lovely way to spend some time.
I have decided I am going to split my focus between saving and OPs. The earlier I pay down the mortgage the less interest I will pay but I want things done so need to replenish savings as I go. Hopefully this will mean I don’t get too fed up on the way. I do realise I seem to change my focus monthly 😂
Pay day on Thursday and not a day too soon!Mortgage OP 2025 £7050/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,965
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)6 -
Just popping by to say I love your little cat , I would certainly spoil her too x2
-
Thank you Newstartforme, she appreciates someone who feels the same way as she does! She is getting bigger by the day, currently chewing on a book😱 she’s quite dog like, she didn’t want her claws clipped last night but put a paw gently in my face whereas previous cat would have clawed my hand off!Newstartforme said:Just popping by to say I love your little cat , I would certainly spoil her too xMortgage OP 2025 £7050/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,965
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 -
Another £20 from 0nep0ll so that has gone to savings. Still not put any clothes up for sale but have a bit more time off next week. Took some more OT this week and have quite a few social things on so busy, busy.
Another 3 lb off so heading in the right direction.Mortgage OP 2025 £7050/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,965
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)6 -
£500 OPed, more OT today and tomorrow but hopefully things might settle down soon. I have been busy and sociable for the past week so hopefully a quieter one this week.Mortgage OP 2025 £7050/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,965
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)5 -
Just had to rejig things a bit to clear my credit card😱 must try harder to keep my spending in check! It’s a good thing I have so much overtime coming my way as there is a fair bit of spending planned - dental, cat, car service and house!Mortgage OP 2025 £7050/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,965
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 -
I am embarking on a serious decluttering mission so aiming for two items a day from the start of September to end of the year which should be 244! Needs doing so much.Mortgage OP 2025 £7050/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,965
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)5 -
Good luck on the decluttering. Please post often about it and it might help me get some done too!
Your kitten looks utterly gorgeous.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/253 -
I will do my best SH! We can do this!Mortgage OP 2025 £7050/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,965
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
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352K Banking & Borrowing
- 253.5K Reduce Debt & Boost Income
- 454.2K Spending & Discounts
- 245K Work, Benefits & Business
- 600.6K Mortgages, Homes & Bills
- 177.4K Life & Family
- 258.8K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards