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.
Thank god we paid the mortgage off
Comments
-
I have changed the choice at the top from recently created to recently posted. Hopefully it will get changed back as it doesn't really make sense the new way.
4 -
Hating it.
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]3 -
Glad it’s not just me, it’s actually putting me off coming on.
Mr🐞and I have had a heart to heart discussion on the practicalities of what we have decided to do and my concern that everything will fall to me, on top of me having to go to work. It wasn’t said to guilt trip him as he initially thought, but is a real concern as I literally do everything especially where the youngest is concerned. I suspect until we are actually living our new future we are not sure how things will work out. Felt a lot better after our chat.
FRUGAL WINS FOR YESTERDAY.
• breakfast was home grown grapes, lunch was freezer surprise and tea was provided by in laws.
• watered future meal ingredients in the greenhouses. Spent over an hour taking off leaves on my tomato plants to encourage the fruits to ripen. Harvested grapes, tomatoes, courgettes, pears, welsh onions and borlotti beans.
• will dry some of the bean seeds for planting next year.
• no money spent.
• bath water used to flush the loo.
• I’ve earned a free hour of electricity for today, just need to plan when I want to use it.
• toilet roll squished🤣.
Think that’s it , going to try and get back to sleep.Love 🐞
Declutter 2098/ 2026
books read 17 in 2026
£0🥳 funpot
🐞change pot £0.11st 3lbs 13/10/26
week1 averaged 6781 steps per day4 -
have you thought about writing a list of what each of you will be responsible for eg he is taxi service on x days, he does housework/cooks meals on x days (cooks from scratch). Do the same for you. Does not have to be everything just start with a couple as it will be a big change - you will need to accept different ways and he will have to accept this is his new ‘work’ both equally hard.
Just a thought :}
3 -
I was going to suggest a list too. I think he will be surprised by the amount and range of things that you do for youngest.
KKAs 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 74 books of target 52 in 2026 as @ 14th 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.3 -
A wee list sounds 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.[/b] [11 months left.[/b]3 -
Maybe not a list but more of a job description?
And congratulations on the fizz to start the celebration count down.
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 !!3 -
Thanks auti, KK, beanielou and watty1, love this as an idea. Will mull it over and then will look to implement. Felt a lot brighter today after mine and Mr 🐞chat yesterday.
Mr🐞 and I visited his parents to let them know what’s happening and they were incredibly supportive. Apparently they’ve been really concerned about Mr 🐞physical health and are really pleased that we are looking at how to manage this.
FRUGAL WINS FOR TODAY.
• used my free hours electricity ⚡️ to charge my phone, Mr🐞 phone, computer, vacuumed the house, wm on, full kettle of water (used to make a huge pot of tea 🫖 plus several cups to be drunk through the day) and had a shower.
• watered future ingredients in the greenhouses, harvested 🍇 , 🍅 , 🥒 , courgettes and welsh 🧅 .
• saved my shower water to flush 🚽 and to clean the .🛀
• watered the house plants 🪴 with water from the rain barrel ( I always forget to do this and use tap water).
• cash out to pay for shopping 🛍️ 🛒 rather than card. SM shop was £49odd used £2.50 worth of nectar points to get it under £50. Put several items back as decided we didn’t actually need reduced double cream or more sausages . Did get several packs of nectar price 🥕 though.
• used homegrown Welsh onions, kale and 🥔 for tea.
• wm, dw and 🚙 are programmed to come on cheap tariff kicks in.
Time for sleep 😴Love 🐞
Declutter 2098/ 2026
books read 17 in 2026
£0🥳 funpot
🐞change pot £0.11st 3lbs 13/10/26
week1 averaged 6781 steps per day4 -
I suppose its like any new job, if he's not been around to see all the things you do then he is a 'new start' and will need induction, shadowing, on the job training 😆
I suppose one possible friction might be he doesn't see the need for some of the things you do so there might have to be a few discussions and some aspects might change, hopefully all for the better.
Its great you are both getting ahead and talking it all through now, well before its due to start
22: 3🏅 4⭐ 23: 5🏅 6 ⭐ 24 1🏅 2⭐ 25 🏅 🥈2⭐ 26 🥈 Never save something for a special occasion. Every day is a special occasion. The diff between what you were yesterday and what you'll be tomorrow is what you do today Well organised clutter is still clutter - Joshua Becker If youre not already using a thing 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'3 -
That made me chuckle 🤭 daisy_1571 about him having an induction into my world. I’m fairly laid back about how he will do the housework and the garden. The sticking points will be the youngest and how he handles/supports them. Things have to be done in a particular way. Although I’ve noticed the youngest is more flexible in their attitude of late, so who knows. The allotment is the other point. I’ve done a lot of reading over the years, lots of experimenting and practical experience of our plots and know what works and what doesn’t. Mr 🐞tends to do all the heavy work ( although this has reduced due to us doing more no dig) and I do all the planning, sowing, hoeing, watering, trimming, pruning, harvesting etc etc. Anyway I’m sure we will muddle through.
FIL sent Mr 🐞 a lovely message last night about how proud they are of how we are handling things. Mr🐞 feels a lot better now they know.
Mmmm I can smell cooked breakfast.Love 🐞
Declutter 2098/ 2026
books read 17 in 2026
£0🥳 funpot
🐞change pot £0.11st 3lbs 13/10/26
week1 averaged 6781 steps per day9
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 355.7K Banking & Borrowing
- 254.9K Reduce Debt & Boost Income
- 456.1K Spending & Discounts
- 248.3K Work, Benefits & Business
- 605.9K Mortgages, Homes & Bills
- 179K Life & Family
- 263.7K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.7K Read-Only Boards


