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Here’s where the story ends…
Comments
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🤐skint_spice said:
😂😂😂😂 please wait until DD has moved out! Can you imagine if you told her that???😂debtfreewannabe321 said:
I'll whisper this so not to get told off by anyone, but I want to move again, this time to the seaside 😏🤫😂 maybe it can be part of a longer plan though as I feel like I am still unpacking hereskint_spice said:
I’m a bit spoiled really DFW, I took someone for a walk at the beach for work yesterday too😂debtfreewannabe321 said:Congrats on meeting the yearly OP target 🎉
I love listening to the waves, I haven't been to the seaside in so long though...need to schedule a trip in.
yes I can 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
Total- £1783.67
Goal pay off 1% of current mortgage in 1 year. £1650
EF- £442.41/500
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You do need to learn to say no!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 will try harder! I have just worked out I worked overtime of 60% of contracted hours last month! Way too much but there are never enough staff. I have been toying with applying for another job but can’t face moving again.beanielou said:You do need to learn to say no!
Usual mortgage payment came off today plus an OP of £50 so I am now in the 34k bracket 🎉🎉🎉 as the mortgage was originally for £70k that’s more than half in four years so good going!
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 -
No harm in applying for something else. Great work on the mortgage.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 had too set up my new printer today - only bought it about three months ago🙄 anyhow I needed to test it by printing something so I have printed out my repayment schedule and stuck it on the fridge to keep me focused 😂
Not done much today, went to see DM, DF came back for a visit and DS popped by later. I weeded for a while between showers.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)0 -
How’s your wee pal?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 -
Bonkers! Currently climbing the curtains!beanielou said:How’s your wee pal?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 -
Oh, to have that much energy!! 😉🤩❤️skint_spice said:
Bonkers! Currently climbing the curtains!beanielou said:How’s your wee pal?
Seriously impressed by your progress on the mortgage 😊👏
Re the job, I may be wrong but I get the impression all of the type of organisations you work for are perpetually under staffed and at least your boss / the management at this one are reasonably civilised (as far as you’ve shared anyway). Is this a fair summary?
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.1 -
We have just had a long game of fetch which only ended because she lost the ball under the coffee table.KajiKita said:
Oh, to have that much energy!! 😉🤩❤️skint_spice said:
Bonkers! Currently climbing the curtains!beanielou said:How’s your wee pal?
Seriously impressed by your progress on the mortgage 😊👏
Re the job, I may be wrong but I get the impression all of the type of organisations you work for are perpetually under staffed and at least your boss / the management at this one are reasonably civilised (as far as you’ve shared anyway). Is this a fair summary?
KK
Thanks re the mortgage, I want to get it gone but without scrimping too much.
Your summary is spot on, which is why I am reluctant to move. I have seen another job which interests me (a completely different sector) but it’s less hours so would put back the MF date so not sure I want to do that.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)1 -
But knowing your ability to attract more hours / OT the new role probably wouldn’t stay like for long!! 😉😂
Why not ask them?
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
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