We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
The MSE Forum Team would like to wish you all a very Happy New Year. However, we know this time of year can be difficult for some. If you're struggling during the festive period, here's a list of organisations that might be able to help
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Has MSE helped you to save or reclaim money this year? Share your 2025 MoneySaving success stories!
Thank god we paid the mortgage off
Comments
-
hope that gets sorted ladybirdMade 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 !!2 -
Hope you got the paperwork sorted and the interview is / has gone well
🤞🤞🤞
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 0 books of target 52 in 2026 as @ 1st January
Produce tracker: £8 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.2 -
Unfortunately the youngest and I have a stomach bug accompanied by pounding headache. Didn’t get any response regarding updated right to work paperwork. So no interview, probably a good job as I feel asleep on the settee for 3hours this afternoon. The youngest only surfaced for meals and then went back to bed. Trying to look at it that at least I’ll be over whatever I’ve got by Wednesday, which is when the permanent job interview is.Love 🐞
Grow your own: £14.666 -
One of those days that is best behind you. I hope you both feel better soon.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 21/3/222 -
Feel better soon ❤️🩹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.3 -
Speedy recovery wishes.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 !!2 -
Thanks everyone. I supposed to be taking mil out but cancelled due to feeling ill again.Another day of sofa surfing. Watched a load of mindless drivel, so it didn’t really matter that I kept falling asleep. Phone call from ENT department as they’d had a referral from audiology and appointment booked for 2 weeks time. Audiologist told me I’d be waiting at least a year for an appointment. However due to the symptoms I’ve got they want to see me sooner.By early evening I had about 2hrs where I had some energy and started looking through the future room of tranquility. Got rid of some rubbish, some stuff to sell, donate and store. Mr🐞 has agreed to my plans for that room and we will start decluttering tomorrow. No further sales. I think they are on too high so will allow auctions to run and then reduce them.
More sleep required. Only 22 sleeps till Mr🐞 walks away from his job. Both contracts for new posts are signed.
love 🐞
Grow your own: £14.669 -
Aw I'm sorry you've not been feeling well. I hope today is a better day.
Your room of tranquility sounds amazing. I need another room so I can add that to my list 🤣. Although the 'cinema' room as DD is calling it will have a bit of a dual purpose. It will be our room of requirements 🧙🏻♀️🪄 lol I want to use it for meditation and she wants to use it for watching TV ♥️.Emergency Fund goal - £717.77/1500
Weight loss goal 1 - 0/7 lb
Mortgage OP goal 2026 - £10/£4500
New Diary- https://forums.moneysavingexpert.com/discussion/6647063/investing-in-us-holidays-health-and-the-road-to-150k#latest1 -
I forsee a diary system to make sure you each won't be barged in on. If junior dfw suddenly decides she wants to watch something or a ladybird decides they need something in the room of tranquility 😃 Maybe a sign on one of those little hook things you can remove easily, one side says 'free' the other 'in use'. Or tv/meditation. Or something similar at eye height so no one disrupts your me time 🙂 or a hard and fast rule if the door is closed whoever is in there wants peace ?
Glad you are all making full use of all the spaces in your houses 😀
Dxx22: 3🏅 4⭐ 23: 5🏅 6 ⭐ 24 1🏅 2⭐ 25 🏅 🥈2⭐ Never save something for a special occasion. Every day is a special occasion. The diff between what you were yesterday and what you will be tomorrow is what you do today Well organised clutter is still clutter - Joshua Becker If you aren't already using something you won't start using it more by shoving it in a cupboard- AJMoney The barrier standing between you & what youre truly capable of isnt lack of info, ideas or techniques. The secret is 'do it'5 -
Room of requirements made me chuckle 🤭 dfwb321.Love 🐞
Grow your own: £14.664
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 353K Banking & Borrowing
- 253.9K Reduce Debt & Boost Income
- 454.8K Spending & Discounts
- 246.1K Work, Benefits & Business
- 602.2K Mortgages, Homes & Bills
- 177.8K Life & Family
- 260K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards