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Cheery's path to fulfilment - finishing the DIY, looking after myself, appreciating the garden 🌻

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Comments

  • Four_Seasons
    Four_Seasons Posts: 952 Forumite
    Sixth Anniversary 500 Posts

    Happy Birthday xx

  • EssexHebridean
    EssexHebridean Posts: 25,979 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    Happy birthday lovely - hope you're having a cake-filled day! xx

    🎉 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
    £100k barrier broken 1/4/25
    Balance as at 31/08/25 = £ 95,450.00. Balance as at 31/12/25 = £ 91,100.00
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • Brewerspride
    Brewerspride Posts: 243 Forumite
    Part of the Furniture 100 Posts Photogenic Name Dropper

    Happy Birthday 🎂🥂🍹

  • KajiKita
    KajiKita Posts: 10,146 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic

    Happy birthday 🎊🥳🎂

    Hope you are having a lovely day (or as lovely as it can be when at work! 😉) and here's to the coming year being wonderful for you 😊

    KK

    As at 21.05.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £215,607
    - OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 35 books of target 52 in 2026 as @ 24th May. 
    Produce tracker: £119 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. 
  • Baileys_Babe
    Baileys_Babe Posts: 6,757 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    https://forums.moneysavingexpert.com/discussion/comment/81978900#Comment_81978900

    It is a shame you are having to be in work on your birthday at least you have cake to help you cope 🎂

    Fashion on a ration 2025 0/66 coupons spent
    79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases

    One     income, home educating family 
  • Merlin's_Beard
    Merlin's_Beard Posts: 1,760 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Name Dropper

    Happy birthday!

    Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
    Current mortgage amount: £224,460.73
    Start student loan 2012: £29,750; current student loan: CLEARED July 2025
    Unread owned books Jan 2026: 256
    Undone crafts 2026: +1
  • BookWorm
    BookWorm Posts: 2,547 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker

    Happy birthday 🎂

  • beanielou
    beanielou Posts: 99,815 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!

    Happy birthday to you. Glad that you have had cake.

    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*** in ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger.
    One debt remaining. Home improvement loan. 19months left.
  • themadvix
    themadvix Posts: 9,562 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic

    Happy Birthday Cheery! Hope you’ve had a lovely day despite work and are doing something nice this evening 🎂

    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 Hemingway


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