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Mortgage Free Plod
Comments
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Thanks @South_coast @beanielou @northwalesd 😊
We're in, surrounded by boxes and bags, but it feels really nice 💕MFW: Journey started Nov 2025. Due to finish Nov 2053.
OPs: £20
DC pension pot to target: 22.5%
Mrs SD's 2026 Declutter Campaign: 🏅⭐️
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Well done and good luck in your MFW journey. Will be following your adventures, I especially like the weekly spend totals, maybe something I'll implement in mine, as I'm very bad at updating my own diary. Good luck settling in your own home, it's lovely isn't it!
Mortgage: £173,700 Sep 22 £157,700 Feb 26
MF Date: Sep 52 Mar 52
CC Debt: £15,250 Nov 25 £9,200 Feb 26
NSD: Jan: 17/31 | Feb: 12/28
2026 Challenges:
MFiT-T7 #5
DFbyXMAS #7
Sealed Pot Challenge #022
2026 Grocery Challenge: 20/01 - 19/02 £132.79/£200
2026 Grocery Challenge: 20/02 - 19/03 £31.85/£200
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Thanks @RedLipstick! It does feel lovely (when my mind isn't whirring with all-the-things-that-can-go-wrong that I'm now responaible for, haha!)
MFW: Journey started Nov 2025. Due to finish Nov 2053.
OPs: £20
DC pension pot to target: 22.5%
Mrs SD's 2026 Declutter Campaign: 🏅⭐️
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One week in the house and it definitely feels 'right'. Just 2 more work days and then I get to relax until 2nd Jan 🥰
Spendy spends were reasonable this week at £190. Next week will be a short one, budget-wise, as I get paid on Wednesday:
£88 - food
£59 - nights out x 2
£23 school dinners/bus money
£10 gifts
£10 book club book (The Midnight Library, by Matt Haig)
Wishing all the lovely MFWs a good week ahead
MPHx
MFW: Journey started Nov 2025. Due to finish Nov 2053.
OPs: £20
DC pension pot to target: 22.5%
Mrs SD's 2026 Declutter Campaign: 🏅⭐️
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Glad that you are enjoying your new home.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.
One debt remaining. Home improvement loan. 20 months left.1 -
Thanks @beanielou 🥰
MFW: Journey started Nov 2025. Due to finish Nov 2053.
OPs: £20
DC pension pot to target: 22.5%
Mrs SD's 2026 Declutter Campaign: 🏅⭐️
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Thank you MPH, I hope you have a good First Christmas in the new to you house all the best, Crazy XXXGoal 1: Apply for benefits.
Goal 2: Get a lodger.
Goal 3: Get a regular routine in place.
Goal 4: On outcome of benefits plan finances.
Goal 5: Save EF if possible.0 -
Thank you @CrazyBee787 🎄😊
MFW: Journey started Nov 2025. Due to finish Nov 2053.
OPs: £20
DC pension pot to target: 22.5%
Mrs SD's 2026 Declutter Campaign: 🏅⭐️
1 -
Merry pay day to me! Now that the boiler is sorted and didn't break the bank, I can focus on my next savings goal, which is roof repairs. These were flagged up by the Homebuyers Report and factored into the house price, but now I have to find the cash. After this, I'd love to build up the EF. Have to be patient. Still only putting roundups into the FIRE fund for now.New savings totals:FIRE: £0 -> £22 🥰EF/Roof: £2,500 -> £3,002Wishing all the lovely MFWs a Happy Christmas ✨️MPHx
MFW: Journey started Nov 2025. Due to finish Nov 2053.
OPs: £20
DC pension pot to target: 22.5%
Mrs SD's 2026 Declutter Campaign: 🏅⭐️
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Well done on getting the boiler sorted! Happy Christmas and all the best in 2026 xx
Mortgage: £173,700 Sep 22 £157,700 Feb 26
MF Date: Sep 52 Mar 52
CC Debt: £15,250 Nov 25 £9,200 Feb 26
NSD: Jan: 17/31 | Feb: 12/28
2026 Challenges:
MFiT-T7 #5
DFbyXMAS #7
Sealed Pot Challenge #022
2026 Grocery Challenge: 20/01 - 19/02 £132.79/£200
2026 Grocery Challenge: 20/02 - 19/03 £31.85/£200
1
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