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Next steps; grip-relaxing bimbling, and avoiding the temptations

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  • foxgloves
    foxgloves Posts: 13,821
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    The community lunch sounds lovely, @Suffolk_lass. You are much more sociable than me! I do like how bee-keepers seem to support each other. It sounds like quite a little community in itself.
    F
    2026's challenges: 1) To rebuild our Emergency Fund to at least £5k.
    2) To read 50 books (12/50) 3) The Re-Shrinking of Foxgloves 8.1kg/30kg
    Remember....if you have to put it on a credit card, extend your overdraft or take out a loan to buy whatever it is, you probably can't afford it, as that's not your money, it's somebody else's!
  • rtandon27
    rtandon27 Posts: 7,247
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    @Suffolk_lass - when you've recovered from your hectic day, could you explain what frost-catcher's are? - I've even done a quick g00gle search - and the answers are decidedly not enlightening!
    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)
    Original End Date - Sept 2041 *** New projection - Jun 2040 (reduced by 1 years & 3 month)
  • KajiKita
    KajiKita Posts: 10,946
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    rtandon27 said:
    @Suffolk_lass - when you've recovered from your hectic day, could you explain what frost-catcher's are? - I've even done a quick g00gle search - and the answers are decidedly not enlightening!
    Thank you for asking. I’m wondering too … 🤔

    KK
    As at 16.10.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £209,304
    - OPs to mortgage = £20,180 Estd. interest saved = £10,393 to date
    c. 17 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 78 books of target 52 in 2026 as @ 29th October. 
    Produce tracker: £348 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. 
  • beanielou
    beanielou Posts: 101,612
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
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    As was I! 
    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.[/b] [11 months left.[/b]
  • rtandon27
    rtandon27 Posts: 7,247
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    Everyday is a school day chez SL!
    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)
    Original End Date - Sept 2041 *** New projection - Jun 2040 (reduced by 1 years & 3 month)
  • rtandon27
    rtandon27 Posts: 7,247
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    Oooooo - I never knew! - fascinating, thanks for the lesson SL!
    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)
    Original End Date - Sept 2041 *** New projection - Jun 2040 (reduced by 1 years & 3 month)
  • KajiKita
    KajiKita Posts: 10,946
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    Ah … 😊 Thank you. I had come across wire heated lagging before for pipes, but not little background heater units like this. 

    KK
    As at 16.10.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £209,304
    - OPs to mortgage = £20,180 Estd. interest saved = £10,393 to date
    c. 17 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 78 books of target 52 in 2026 as @ 29th October. 
    Produce tracker: £348 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. 
  • Watty1
    Watty1 Posts: 8,763
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
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    heated lagging and background heating - I'm off to google :)  what an education.
    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
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