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Thank god we paid the mortgage off

15051535556

Comments

  • Watty1
    Watty1 Posts: 8,221 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker

    Great news about the second opinion and hopefully a change in exercises will really help. Impressed with the yoga before bed, by bedtime all I can think about is just getting into bed and lights out.

    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 !!
  • beanielou
    beanielou Posts: 99,522 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!

    Love reiki. Glad you enjoyed. Good news on wills. So important.

    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.
  • Watty1
    Watty1 Posts: 8,221 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker

    Now I'm thinking about rhubarb crumble ……

    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 !!
  • ladybird1106
    ladybird1106 Posts: 1,280 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper

    mmmmmmmmmmmm crumble

    Declutter 984/2026
    £62.30 saved by growing and eating my own 2026
    books read 5 in 2026
    £185 🥳 funpot
    🐞change pot £39.53
  • badmemory
    badmemory Posts: 10,602 Forumite
    Tenth Anniversary 10,000 Posts Name Dropper

    No rhubarb batter pudding - think toad in the hole with ginger & rhubarb.

  • ladybird1106
    ladybird1106 Posts: 1,280 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper

    That sounds interesting badmemory, I’ve googled it and will see if I can convert it to gluten free.
    I’ve booked another session beanielou. Really helped to clarify a few things that have been bothering me.
    Yesterday mum and I walked around a local nature reserve (free to park) as it was near to the swimming baths. We had originally planned to go to a town on the other side of the peak but due to the ongoing petrol rises decided to go local. I’m finding that I’m having to plan car use more and more these days. So we had a walk, then onto swimming baths, called back via the sm (£65ish) and then unfortunately had to call at the college because of an issue with the youngest chair. A couple of tie wraps and lots of reassurance that the chair was functioning ( a light had come lose). In relation to petrol I’m no longer just getting what I will use in a week as by the time I get to the end of the week petrol has gone up again.
    Swimming was good but tiring. Will see how my skin has coped with it today. May have to alter my routine abit to stop it feeling sore/tight afterwards. If it’s ok then I will sign up for the gym🤨.
    Tea was use it up.
    Right time to encourage the youngest to get up and face the world.

    Love 🐞

    Declutter 984/2026
    £62.30 saved by growing and eating my own 2026
    books read 5 in 2026
    £185 🥳 funpot
    🐞change pot £39.53
  • KajiKita
    KajiKita Posts: 10,062 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic

    Hugs for the bombshell x

    Could Mr Ladybird reskill, look for another role, make a plan based around expected redundancy funds? It might make you feel a bit better to have a bit of a plan even if it’s loose?

    KK

    As at 17.04.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
    - OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 30 books of target 52 in 2026 as @ 4th May. 
    Produce tracker: £93 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. 
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