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Comments

  • beanielou
    beanielou Posts: 101,548
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Ambassador
    Great news. 
    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]
  • That's great news 😁 Hope the installation goes seamlessly!

    Greying X
    GC October 2026 £203.49/£232.50 (£29.01 remaining for 7 days)
    GC September 2026 £226.57/£225
    GC August 2026 £218.02/£232.50
    GC July 2026 £237.82/£232.50
    GC June 2026 £225.39/£225
    Non-food spend October 2026 £68.50/£80
    Bulk Fund 2026 Month 10/12 - £0/£20.40 (reducing balance - start £120)
  • Wo hoo indeed! 
    🎉 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 at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
    Balance as at 31/08/25 = £ 95,450.00 at 31/12/25 = £ 91,100.00
    Balance as at 31/08/26 = £ 84,500.00
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • It should move so quickly from here
    June 2026, Mortgage free, Emergency fund fully funded & £200/200 cash maximum pb holding .:jWeight 12st challenge 11st 2lb

    Gift to children challenge £40k in 2 years. Short term gift challenge 7 presents and $1300 can by September.

    Determined to stop defining myself by my mistakes. Progress not perfection. I’m not perfect but I’m good enough.
    https://forums.moneysavingexpert.com/discussion/6673398/hopefully-cruising-with-focus-towards-retirement#latest
  • Your trip sounded wonderful 🥰🎄
    Woop woop to the 🪟 windows going in!!! 

    Emergency Fund - £1000  

    Groceries October £ 313.59/500


  • Watty1
    Watty1 Posts: 8,743
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Forumite
    indeed - it is a great feeling when the windows start going in I bet.
    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 !!
  • KajiKita
    KajiKita Posts: 10,920
    10,000 Posts Fifth Anniversary Name Dropper Photogenic
    Forumite
    Oooh! Let the warmth commence! 😊❤️🤩

    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 76 books of target 52 in 2026 as @ 23rd 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. 
  • Cherryfudge
    Cherryfudge Posts: 15,772
    Part of the Furniture 10,000 Posts Name Dropper
    Forumite
    Brilliant! I hope you get dry weather for the rest, but you will soon 'feel the benefit'.
    I think a bit of sunshine is good for frugal living. (Cranky40)
    The sun's been out and I think I’m solar powered (Onebrokelady)

    Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
    2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
    20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/22
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