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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 Emergency Fund -£1000
Grocery Spends -Oct £408/500. Nov £243.39/500
Debts- CC 316, CC 3058.17, Kitchen loan 38572 -
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.
One debt remaining. Home improvement loan. 9 months left.2 -
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 2026 £1990/2000Mortgage balance: £29,071
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30, Jun £120, Jul £0, Aug £45, Sept £0, Oct £5, Nov £203 -
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.
One debt remaining. Home improvement loan. 9 months left.2 -
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 2026 £1990/2000Mortgage balance: £29,071
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30, Jun £120, Jul £0, Aug £45, Sept £0, Oct £5, Nov £201 -
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.
One debt remaining. Home improvement loan. 9 months left.2 -
Bonkers! Currently climbing the curtains!beanielou said:How’s your wee pal?Mortgage OP 2026 £1990/2000Mortgage balance: £29,071
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30, Jun £120, Jul £0, Aug £45, Sept £0, Oct £5, Nov £203 -
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 16.10.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £209,304
- OPs to mortgage = £20,603 Estd. interest saved = £10,635 to date
c. 18 months reduction in term
Fixed rate 3.85% ends October 2030
Read 80 books of target 52 in 2026 as @ 7th November.
Produce tracker: £356 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 -
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 2026 £1990/2000Mortgage balance: £29,071
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30, Jun £120, Jul £0, Aug £45, Sept £0, Oct £5, Nov £202 -
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 16.10.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £209,304
- OPs to mortgage = £20,603 Estd. interest saved = £10,635 to date
c. 18 months reduction in term
Fixed rate 3.85% ends October 2030
Read 80 books of target 52 in 2026 as @ 7th November.
Produce tracker: £356 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.3
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