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Mortgage free wannabe part 2
Comments
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Just checked overpayment details on mortgage and we have just £400.61 left of our OP allowance left until May26.
i make that £50/mth which should be doable.
will see what the total is and just round down August 1st.
Remaining budget for month not as much as I had union subscription to pay+ husbands car tax and have paid for my daughters private scan, garden cement etc.
At long last my daughter has started to work and will start paying some board money.
However she gets paid next month as bank pay is a month behind.
So won’t be getting anything yet.
that £ will just really help with the costs of groceries but it definitely will help.
so saving focus will be topping up house/holiday fund as once we pay for garden furniture etc it will drop to approximately £1000
MFW December 2026
Initial mtg £100,000 Janoverpayment allowance, (May 13th 2026).
End fix rate of 2.79% July 27.
January 2026 £53,450
February £52,880
March. £52,320, £52,300
April £51,750 £51,740
May £51,196
June
July
August
Sep
Oct
Nov
December2 -
Fence finished, onto digging patio out.
next to go out buy hard core plus slabsMFW December 2026
Initial mtg £100,000 Janoverpayment allowance, (May 13th 2026).
End fix rate of 2.79% July 27.
January 2026 £53,450
February £52,880
March. £52,320, £52,300
April £51,750 £51,740
May £51,196
June
July
August
Sep
Oct
Nov
December1 -
Looking good.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.1 -
So I’ve been away for a week with
My daughter and my lovely hubby has been finishing the patio in my absence, pictures to follow tomorrow.
He’s a definite keeper 😊
We have done well with spending so we are well within budget and I can’t wait to get home as I’m missing hubby.
lots to do before I start my new job Thursday.
need to check broadband strength and screenshot that for them as some of my induction is at home, which is great as it will save petrol money.I’m sure the broadband is fine as always worked from home before with no issues.
it is one of the reasons I never change broadband provider as i never feel i can risk it!
had sky before and had so many problems.
would like to change as I’m sure I could get cheaper deal??
probably not time to change now but once I’ve finished training I have to work 6 months probation in office before I can homework.
Any suggestions greatly received 👍
mortgage
OP made and keeping within 10% allowance still.
Closed santander edge account as interest dropped. Transfer to chase then I plan on opening another saver once this one is closed completely.
MFW December 2026
Initial mtg £100,000 Janoverpayment allowance, (May 13th 2026).
End fix rate of 2.79% July 27.
January 2026 £53,450
February £52,880
March. £52,320, £52,300
April £51,750 £51,740
May £51,196
June
July
August
Sep
Oct
Nov
December3 -
He’s done a fabulous job!
furniture and pegoda coming Friday so they will have fun with that project this weekend!!
nearly there now!
next project..sort grass out!!MFW December 2026
Initial mtg £100,000 Janoverpayment allowance, (May 13th 2026).
End fix rate of 2.79% July 27.
January 2026 £53,450
February £52,880
March. £52,320, £52,300
April £51,750 £51,740
May £51,196
June
July
August
Sep
Oct
Nov
December2 -
Looks great👌 what a difference.V3cash said:He’s done a fabulous job!
furniture and pegoda coming Friday so they will have fun with that project this weekend!!
nearly there now!
next project..sort grass out!!Current Balance £10,750
MFW 2026 #31 £12,250 / £17,000 OP
MFIT - T7
Emergency Fund £4,410 / £5,000
0%CC May 2027- £5,000
0% Loan £600.00 - paid ✅️
Money made £130 / £365
Declutter 37 /52
Grocery Challenge 2025 £4885.78
Grocery Challenge 2026 Jan £328.20, Feb £297.01 Mar £352.91 April £422.85
The final countdown to June 2026 - Page 4 — MoneySavingExpert Forum0 -
Looking good.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.0 -
Unfortunately things are gonna be a bit tight this month as I will only be paid for a couple weeks
will get more next month still so it will be okay in the end.
good news is, new job is just a 15 minute drive and I think my petrol is going to last 3 weeks rather than the usual 10 days, less miles on car= less wear and tear too so that’s a bonus.
next week I am home working for 3 days so that’s good too.MFW December 2026
Initial mtg £100,000 Janoverpayment allowance, (May 13th 2026).
End fix rate of 2.79% July 27.
January 2026 £53,450
February £52,880
March. £52,320, £52,300
April £51,750 £51,740
May £51,196
June
July
August
Sep
Oct
Nov
December2 -
Just got to add cushions to chairs and we are good to go!
so thankful we have good brother in laws help as this all got done in a few weeksMFW December 2026
Initial mtg £100,000 Janoverpayment allowance, (May 13th 2026).
End fix rate of 2.79% July 27.
January 2026 £53,450
February £52,880
March. £52,320, £52,300
April £51,750 £51,740
May £51,196
June
July
August
Sep
Oct
Nov
December2 -
Today we will be helping to tidy in laws garden, thinking sale no 3 is about to fail so we will probably be back on market in a couple weeks , buyer at bottom of chain has been refused mortgage, surely estate agents should check these things in the first place, as our poor buyers have done everything and paid for survey. Plus we will be charged yet again for solicitors 🙄
such a rubbish system!
rant over 🤣MFW December 2026
Initial mtg £100,000 Janoverpayment allowance, (May 13th 2026).
End fix rate of 2.79% July 27.
January 2026 £53,450
February £52,880
March. £52,320, £52,300
April £51,750 £51,740
May £51,196
June
July
August
Sep
Oct
Nov
December1
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