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  • Cheery_Daff
    Cheery_Daff Posts: 18,319 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    Glad you've had a lovely day out with OH and some cheerful time with the little ones 😊

  • beanielou
    beanielou Posts: 99,005 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!

    Glad you have had a lovely day.

    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.
  • EssexHebridean
    EssexHebridean Posts: 25,847 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    Unfortunately water bills really have gone up - we're metered, and I suspect in a cheaper water board area too - but our monthly DD has doubled in the past year. If you're not metered then it's probably a good idea to do a check on how much a change to metered might save you - when we moved from the flat (unable to have a meter so assessed bill) to the house (garden etc) our monthly cost reduced by 2/3rds.

    🎉 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
  • KajiKita
    KajiKita Posts: 9,858 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic

    Ummm … in your post on 21st February you said you were looking for ballerina wedges for everyday use still …

    Would these work?

    https://clarke-oxford.com/products/calerinne?_pos=1&_psq=ballerina-wedge&_ss=e&_v=1.0

    KK

    As at 17.03.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £219,071
    - OPs to mortgage = £17,793 Estd. interest saved = £9,021 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 23 books of target 52 in 2026 as @ 28th March. 
    Produce tracker: £59 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. 
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