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Mortgage free wannabe part 2

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  • V3cash
    V3cash Posts: 263 Forumite
    Eighth Anniversary 100 Posts Name Dropper Photogenic
    edited 28 April at 6:51AM
    So I put final £200.07 into account to pay off total 10% allowance into mortgage.
    Thats all i can put in until May 12th now.
    Aim to overpay total 10% next year too.
    feeling good about decision.
    £0 spend day yesterday.
    spent from 10.30-3pm doing washing and cooking to utilise my -ve Agile energy yesterday 
    so that was fun thinking I was being paid to use electricity yesterday 
    Aim for 4 no spend days this week 
    think I might do my own feet for holiday as I used to be a beauty therapist and I have some feet peel treatments that need using up in draw.
    and i have a uv lamp to cure gel and im due to see friends Friday night so having feet done would cut into that time. Will see if i have energy to do my feet, if i do them on my day off Wednesday then I’ll cancel my Fridays appointment 


    Mortgage total 57980 June 26

    Barclaycard £5800 (0%) ends April 26.
    2025-26 MFW Target #68 £13,500/ £12,654.82.
    Mortgage  free Aim July 2027.
    house improvement/emergency budget/holiday fund £2500/£3000.

  • South_coast
    South_coast Posts: 5,790 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    V3cash said:
    So I put final £200.07 into account to pay off total 10% allowance into mortgage.
    Yay, well done 😀😀😀
    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
  • beanielou
    beanielou Posts: 95,163 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Good result. 
    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.
  • V3cash
    V3cash Posts: 263 Forumite
    Eighth Anniversary 100 Posts Name Dropper Photogenic
    edited 28 April at 7:20PM
    Just applied for new job, less £ to start but an opportunity to do my masters hopefully in time and increase in pay.
    my present job feels a bit stagnant and there isn’t anywhere i want to professionally develop really.
    hopefully i get an interview as i successfully interviewed a couple of years ago then turned it down.
    its a big company so im sure they wont remember little ol me, hopefully 😜
    currently using an old callus peel treatment on feet and I’ve filed my toe nails and done my cuticles. I’ll gel them this week myself and cancel my pedicure, I always feel I do a better job anyway, I was really good at feet and took pride in the polish, can’t find anyone really like that and it saves me a few quid 

    Mortgage total 57980 June 26

    Barclaycard £5800 (0%) ends April 26.
    2025-26 MFW Target #68 £13,500/ £12,654.82.
    Mortgage  free Aim July 2027.
    house improvement/emergency budget/holiday fund £2500/£3000.

  • V3cash
    V3cash Posts: 263 Forumite
    Eighth Anniversary 100 Posts Name Dropper Photogenic
    edited 29 April at 6:58AM
    Count down til holiday 5 days
    i have so much to do before i go and work have kindly given me a student on Friday who doesn’t drive so there goes my admin time 😢
    im always lovely to students though as i remember how awful it is if someone hasn’t got time for you😕

    Mortgage total 57980 June 26

    Barclaycard £5800 (0%) ends April 26.
    2025-26 MFW Target #68 £13,500/ £12,654.82.
    Mortgage  free Aim July 2027.
    house improvement/emergency budget/holiday fund £2500/£3000.

  • LadyWithAPlan
    LadyWithAPlan Posts: 3,732 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    V3cash said:
    So I put final £200.07 into account to pay off total 10% allowance into mortgage.
    Yay, well done 😀😀😀
    Congrats what an acheivement
    DON'T BUY STUFF (from Frugalwoods)
    No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff.    Money doesn’t walk out of your wallet on its own accord.
    https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest
  • V3cash
    V3cash Posts: 263 Forumite
    Eighth Anniversary 100 Posts Name Dropper Photogenic
    V3cash said:
    So I put final £200.07 into account to pay off total 10% allowance into mortgage.
    Yay, well done 😀😀😀
    Congrats what an acheivement
    Thanks, just waiting now until May 12th as new 10% allowance runs from then, so gonna be working on paying that off next.

    Mortgage total 57980 June 26

    Barclaycard £5800 (0%) ends April 26.
    2025-26 MFW Target #68 £13,500/ £12,654.82.
    Mortgage  free Aim July 2027.
    house improvement/emergency budget/holiday fund £2500/£3000.

  • V3cash
    V3cash Posts: 263 Forumite
    Eighth Anniversary 100 Posts Name Dropper Photogenic
    Got informal chat with new job recruiter today, that was quick, I literally put cv in the day before 😳

    Mortgage total 57980 June 26

    Barclaycard £5800 (0%) ends April 26.
    2025-26 MFW Target #68 £13,500/ £12,654.82.
    Mortgage  free Aim July 2027.
    house improvement/emergency budget/holiday fund £2500/£3000.

  • V3cash
    V3cash Posts: 263 Forumite
    Eighth Anniversary 100 Posts Name Dropper Photogenic
    So spoke to recruiter and they want to interview me next week which I can’t do as away but I asked for the following week which they have agreed so looking good.
    so a colleague of mine who started at same time as me also got incentive that I got to start job, it turns out we shouldn’t have received it as we have worked at company in past so it looks like my September payment won’t be coming as they will look at everyone now. That’s made my decision to leave easier. I’m hoping they can’t ask for it back as it’s their mistake?

    Mortgage total 57980 June 26

    Barclaycard £5800 (0%) ends April 26.
    2025-26 MFW Target #68 £13,500/ £12,654.82.
    Mortgage  free Aim July 2027.
    house improvement/emergency budget/holiday fund £2500/£3000.

  • V3cash
    V3cash Posts: 263 Forumite
    Eighth Anniversary 100 Posts Name Dropper Photogenic
    edited 8 May at 8:56AM
    Half way through holiday and we are doing well with budget, off for bike ride today.
    luckily we r not big eaters or drinkers! Sometimes I wonder how people afford all the food and drink they put away 😳
    I guess I consider myself lucky that I have an off switch .


    Mortgage total 57980 June 26

    Barclaycard £5800 (0%) ends April 26.
    2025-26 MFW Target #68 £13,500/ £12,654.82.
    Mortgage  free Aim July 2027.
    house improvement/emergency budget/holiday fund £2500/£3000.

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