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

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Comments

  • Watty1
    Watty1 Posts: 8,102 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker

    hope the truck proves a good option. And I agree, enjoy driving what you want (writes she who drives an ancient mini she loves).

    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 !!
  • Makingabobor2
    Makingabobor2 Posts: 4,701 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper

    You mum sounds like my dad. He will be 94 in August, and has so much rubbish and stuff in the house it is unbelievable. My sister and I have offered to do some sorting out, many times, but he won't let us. Just says it will all be ours when he is gone! Trust me, there is very little there that is any good to anyone, except maybe some kitchen bits. He hasn't touched the cupboards since my mum died over 5 years ago! I am already sorting out our house, so my kids don't have to deal with it all. Just don't understand this "hoarding" mentality. The inlaws do the same, so that's another house we will have to clear!

    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £26,764....its going down

     Mortgage Free December 9th 2024! 
    18mths ahead of schedule.  

    Challenges

    EF  £1570/£3000
    .

    Studies/surveys April.....£54.22

    Decluttering items 1402/
    2025.  186/2026
    Books read    23 in 2025.  2026- 10 (target is 52)  
    Jigsaws done  20 in 2025.  3 this year. 

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


  • beanielou
    beanielou Posts: 99,194 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!

    My DS will have the joy of clearing my house!
    Hopefully he will get a wee hoose in exchange 😹

    Hope the truck viewing will go well.

    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.
  • beanielou
    beanielou Posts: 99,194 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!

    Oh & big cuddles for Stealth Cat. 🐱

    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.
  • trix-a-belle
    trix-a-belle Posts: 1,553 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!

    Fingers crossed on the truck, not sure what you're specifically looking at but if you want any comparisons there is a well regarded japanese specialist up my way that has those sorts of things (Truck Monkey Garage)

    Makingabobor2 my neighbour is 94 & she honestly admits the mentality comes from having gone through rationing in the war.

    - Mortgage: 1st one down, 2nd also busted
    - Student Loan gone
    Swagbucks, Mingle, GiffGaff, Prolific, Qmee & Quidco; thank you MSE every little bit helps
  • foxgloves
    foxgloves Posts: 13,256 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper

    Anyone visiting my parents' house during their later years wouldn't have guessed how many things there were piled up behind the scenes....neither did we. It was all tidy & quite organised on the surface, but as soon as we began opening cupboards, oh my life, the stuff!

    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!
  • Oh @Suffolk_lass, we can relate… my DH grandad and grandma are of poor health and are in their 90s now. Their house is suffocating with decorative plates and ornaments on shelving all the way around rooms, rooms full of older items, an old garage of car parts (most unusable) and a couple of sheds of old gardening equipment - it will be some task when the time unfortunately comes.

    Great news re the truck, and I agree - life is too short not to have things you want or enjoy, obviously within reason but it very much sounds like the truck will be used and will be looked after. I agree re the interest rates too, ridiculous!

    You're clearly very busy with lots on but still maintaining your study time and other tasks :)

    Debt Free: 6th November 2025!! 🥳

    Mortgage (MFD 04/2053)
     (Jan 25) £238,983.71. Overpayment set to £200 per month. Current: £232,212.93

    2026 goals:
    26 books (4)
    26lbs lost (2)
    £26k sinking funds & savings (£5.8k)
    £2600 mortgage o/p (£600)
    20,600 exercise and meditation minutes (3k)
    2.6l water a day 

    2026 Top Cashback accrued: £6.46
    Nectar: £118.08
    Boots: £1.99

    DFW Diary: Spendy Wendy to Saver Savvy — MoneySavingExpert Forum
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