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Cheery's path to fulfilment - finishing the DIY, looking after myself, appreciating the garden 🌻
Comments
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Woo hoo to seaside trips!🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
Balance as at 31/08/25 = £ 95,450.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her3 -
I know! It's just a quick one - Mr C's sister is at the tail end of a caravan holiday and has invited us to make use of their spare room tonight, and we all have to leave at 10am tomorrow 😂 but then we can have a leisurely breakfast and a paddle and an ice cream 😁6
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Enjoy the seaside.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.3 -
I hope you have better seaside weather than where I am!MFW -
House purchase £62500
Original mortgage balance 28/08/2014 £52850Original MF date: 2049:eek: Aiming for: 2025
Balance 27/07/2016 £49990
Balance 08/07/2017 £47999
Balance 30/07/2018 £44500
Balance 01/08/2019 £40700
Balance 03/09/2020 £37619
Balance 30/09/2021 £33983
Balance 18/01/2023 £28940
Balance 06/10/2024 £22168
Balance 08/10/2025 £18417
Mortgage free 09/10/2025!! Mortgage paid off in 11 years, 1 month, 11 days 🥳
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Ha, probably not 😂😂 it won't surprise you to know we are currently holed up in a cafe watching the rain over the sea 😂bubblycrazy said:I hope you have better seaside weather than where I am!7 -
Being in a warm cafe, with a good brew and even better company … sounds pretty good to me 😊❤️🤩
KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- 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.7 -
Enjoy ☺️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.4 -
Brr, well we are soggy and blustered about by the wind, and slightly grumpy, and recombobulating in yet another cafe on the way home. This one just as a view of the car park, but the one earlier had a Most Excellent view across the sea
Had a final message from the bank, with a satisfactory explanation of their security policies and why our messages were being shared. Still not convinced about why Mr C's account currently had a standing order go into it but whatever, going to take our £17.50 interest and run. It's possible I've got the date wrong and what's gone in was the FIRST standing order payment a year ago. Who knows.
September's prolific money now happily in the bank, and I've claimed £1.98 from TCB, from paying for our spa day voucher.
Still no luck finding a suitable free app we can share for the everyday budget. While we continue to look we're going to keep on with last month's physical cash book. We've had a quick look round for a pocket sized one today, like I used to use in the old MSE days. £3.49!! In two separate places! I don't think so 🙄 I'll see what I've got at home, and if nothing suitable, will find a small, flexible, cheap notebook and draw lines in it.
(I realise I literally just spent more than £3.49 on a coffee, I do know that 😬😂)7 -
Ah yes, but it’s all about priorities and saving where you can to allow the coffee spends! And in all likelihood you’ll have something at home that will do the job!Cheery_Daff said:
(I realise I literally just spent more than £3.49 on a coffee, I do know that 😬😂)Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days
'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway6 -
@Cheery_Daff - have you had a look at H0neydew or G00dbudget - I believe they are both free apps & can be shared.4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)(With heartfelt thanks to those who have gone before us & their indubitable generosity.)...and now I have a mortgage! (23 AUG 2021)New projection - 14 YEARS 7 MONTHS LEFT OF 20 YEARS (reduced by 17 mths)4
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