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Making my house a home and my life my own

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Comments

  • Watty1
    Watty1 Posts: 7,691 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    What a great goal for next year!
    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 !!
  • Watty1
    Watty1 Posts: 7,691 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Sending love. I know from experience how hard this is.
    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 !!
  • Ah I'm sorry to hear about your friend starting cancer treatment soon, I've been through this with my best friend, I hope it all works out okay and she's not too poorly with the treatment. ♥️
    Sorry to hear about the death too it's always so hard to process when it's a shock. It really does make you realise you need to live life not just exist when things like this happen around you. 

    Your house sounds lovely and like it's becoming a great home for you 😊♥️.
    Emergency Fund goal - £717.77/1500
    Weight loss goal 1 - 1/7 lb 
    Mortgage OP goal 2026 - £103.62/£4500 

    New Diary- https://forums.moneysavingexpert.com/discussion/6647063/investing-in-us-holidays-health-and-the-road-to-150k#latest
  • KajiKita
    KajiKita Posts: 9,211 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Tough bundle of news to have in quick succession. 
    Sending hugs x

    KK
    As 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 5 books of target 52 in 2026 as @ 13th January 
    Produce tracker: £18 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. 
  • beanielou
    beanielou Posts: 97,762 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Sorry to read your news. Be kind to yourself 🤗
    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.
  • ajmoney
    ajmoney Posts: 6,490 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    It's funny, I have spent the whole year looking forward to the decorating in my house being finished, putting some Christmas decorations up and enjoying the festive season. I asked a friend to help me get the decorations down from the loft at the weekend (worries over what might be up there) but I can't be bothered to do anything with them! Off to have a shower, get the rest of the house in order and then decide what to do. I have some smaller decorations so it nothing else, I might go with those rather than the faff of putting the tree up.
    MFW 2026 No. 7 £400/£5000
    MFiT-T7 No. 6 £5515.91/£30,000
  • ajmoney
    ajmoney Posts: 6,490 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    For the first time in many years I don't have any financial aims for the year which feels strange. My long term one remains the same though, to continue working towards paying off my mortgage in June/July 2027. 
    I started 2025 £1567 ahead of mortgage neutral and started yesterday £18586.76 ahead, considering I paid out a lot of money for decorating/carpets etc last year I am happy in this position. I still hve some more furniture to buy so there might continue to be slower growth over the next couple of months but by Easter I plan to be organised with this.

    My mortgage is currently £53972.73 and my total savings across all products is £72559.49.

    I don't know what plans I have for the house this year either. The only rooms left to make my own are the kitchen, bethroom and porch, there is nothing necessarily wrong with them they just aren't to my taste. I have a busy time work wise until Easter so I think the focus for the first quarter is probably to finish getting the furniture and enjoy my home where it is now. It has taken me so long to feel comfortable here that this aim is bringing me joy.

    The garden needs a lot of tidying and work but while I am in a job that doesn't give me much time and my hobbies take the rest of it, I am going to do my best to maintain and that is it. I am undecided whether to get a gardener to do some of this for me, for now I am going to try and do it myself. Not having much time is something to address but the next couple of months are not the time for that unfortunately.

    Personally I have a few things I want to work on. I pay to have my blood read through a company and one of the recent tests came back as something to follow up with my doctor. It might not be anything but once the surgery is open again next week I will pursue that. I would like to slim down a little as there has been a slow increase in the measurement around my middle, probably not lose weight as I am doing a lot of strength training so it is hard to gauge this. I have been seeing the physio for a while with a mobility problem but we are slowly seeing some progress now so as that gets better I hope to get back to swimming, which I love.

    My main aim is to live life as I said a few weeks ago. I have one body so am going to try and maximise its longevity while living more than I generally do.
    MFW 2026 No. 7 £400/£5000
    MFiT-T7 No. 6 £5515.91/£30,000
  • beanielou
    beanielou Posts: 97,762 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Get the gardener. 
    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.
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