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Here’s where the story ends…
Comments
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I will be following for similar reasons to SH 😊
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 5 books of target 52 in 2026 as @ 13th January
Produce tracker: £18 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.2 -
Well I got stuck in today and got rid of 12 items of makeup that have been cluttering up the place for a while - mainly empty too🙄
Today I ran, did lots of washing including the bedding out in the sun🩷 and went for a run. Now showered and in my pjs as have an early start tomorrow. Five days straight then off for a couple of weeks 🎉🎉🎉Mortgage OP 2026 £50/2000Mortgage OP 2025 £7700/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £33,546
Make £50 a month Jan £20
Boiler fund £925/3000
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)3 -
I too need to declutter. 12 is a very good start! My start was downloading Vinted and ending up buying things..
MFW diary: https://forums.moneysavingexpert.com/discussion/6254913/never-a-good-time-but-here-goes#latest
Original MF date: October 2036 (£81,500)
Outstanding Jan 2021: £55070
Outstanding Jan 2026: £13274
EF 10000 / Savings toward neutral: 5203
2 -
Well done on decluttering.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.1 -
I first went on Vinted for a look at prices as I planned to sell things, yet to sell anything but have bought lots🙄😂ladysummerisle said:I too need to declutter. 12 is a very good start! My start was downloading Vinted and ending up buying things..Mortgage OP 2026 £50/2000Mortgage OP 2025 £7700/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £33,546
Make £50 a month Jan £20
Boiler fund £925/3000
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)3 -
I'm thinking of trying to rope DD into selling something on Vinted for me and offering to split the proceeds. If it doesn't sell it can go to charity but it is stuff off DS that I bought him that is still new, unworn with tags. So frustrating!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.3K Equity 36.55%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
(If took bigger lump sum = 62K or 48.6%)
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 £5.1K updated 14/11/252 -
I have been on a long run of very long shifts so way behind on everything! But now off for a couple of weeks so enjoying a lazy morning. I have a load in the washing machine but it looks like it will be going in the airer as it’s pouring here.
Way behind on decluttering so need to do ten items today.I’m getting my nails done later so looking forward to that but for now it’s a cup of tea in bed with kitty cuddles.
Mortgage OP 2026 £50/2000Mortgage OP 2025 £7700/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £33,546
Make £50 a month Jan £20
Boiler fund £925/3000
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)7 -
Awww adorable !I’ve currently 2 kittens making bread on my tummy driving me mad !Sealed pot challenge 822
Jan - £176.66 :j3 -
They are surprisingly heavy at times!dawnybabes said:Awww adorable !I’ve currently 2 kittens making bread on my tummy driving me mad !Mortgage OP 2026 £50/2000Mortgage OP 2025 £7700/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £33,546
Make £50 a month Jan £20
Boiler fund £925/3000
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)1 -
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.2
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