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Moving on up! 🏡
Comments
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Ooh, this is all so exciting!!!Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!3 -
Thanks Beanie and SC x
It is nice to finally feel like we're moving forward. I've done a cleaning job this morning, as I couldn't do it yesterday with the estate agent coming.
Savings is £2,100/£10,000.
I'm not looking forward to work tomorrow. I was told last thing on Friday by the M.D. that I had to help another team as they're 'struggling' (lazy more like!). It's not something I've done before and I don't know what it fully entails at the moment so I'm feeling quite anxious about it. I have a 1-2-1 with the M.D later in the week and I'm planning on asking for a pay rise as I am so versatile and know different areas of the company. He said he was open to offers, so I need to have a think what is a reasonable request 😟Starting Mortgage Balance (June 2019) £72,000. Mortgage Free November 2025!7 -
Things are progressing nicely 😊.
Now would be the perfect time for a payrise with a mortgage application looming. Perhaps have a look on job websites to get an idea of the going rate for similar jobs is. Do you normally have an annual % increase? I'm sure the MD wouldn't want to lose you and should make a fair offer.Current Balance £22,000
MFW 2026 #31 £1000 / £17,000 OP
MFIT - T7
0%CC May 2027- £5,000
0% Loan £600.00 - paid ✅️
Money made £20 / £365
Declutter 0 /52
Grocery Challenge 2025 £4885.78
Grocery Challenge 2026
The final countdown to June 2026 - Page 4 — MoneySavingExpert Forum4 -
You deserve a pay rise.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 -
Good luck with the pay rise Jessy, being told they are open to offers is a good sign they will be reasonable about it 🙂MFW 67 - Finally mortgage free! 💙😁2
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Thanks CK, Beanie and NG x
Unfortunately, they weren't open to offers at all. I asked about a payrise and before I could say an amount, I was completely shutdown and told I'm well paid enough already. Very frustrating and really makes me want to leave and put all my efforts into my little cleaning business instead. I will definitely be looking into it after we've moved and we know what the new mortgage payment is and all the bills.
Savings is currently at £2,170. This is going to be reduced at the weekend as we have decided to go with the estate agent we saw on Saturday and they have a plan where you can pay a fee upfront instead of when its sold, which is valid for 2 years. The fee upfront is nearly half of the amount that you pay if you wait until its sold and pay it then, so we thought why not take a chance and potentially save over a £1,000.
The usual office job and cleaning jobs have been going on as usual. I received a card and gift from one of my customers tonight which was really lovely. I've opened the card and displayed it with the others and my little gift is sat under the Christmas tree.
Looking forward to seeing the mortgage broker on Saturday morning and seeing what they have to say. Might be able to view some houses before Christmas 🤞Starting Mortgage Balance (June 2019) £72,000. Mortgage Free November 2025!7 -
That's rubbish I'm sorry Jessy ☹️ it's so deflating when we're not recognised for our worth. Might well be a good idea to go self employed if you've enough cleaning business coming in.
Are you going with purple bricks? We used them two houses ago and saved a fortune on fees. We had a really good photographer come out though who really made the most of the house (it was small) and it got lots of people through the door then we had to do the selling ourselves. Will you be doing the viewings or paying extra to have someone do that? Good luck with it 💕.Emergency Fund goal - £717.77/1500
Weight loss goal 1 - 1/7 lb
Mortgage OP goal 2026 - £120.77/£4500
New Diary- https://forums.moneysavingexpert.com/discussion/6647063/investing-in-us-holidays-health-and-the-road-to-150k#latest3 -
Thanks DFW x No, not Purple Bricks but William H Brown. They are who I bought it off and I have a soft spot for them because a very, very long time ago I worked there while I did my business admin NVQ.Starting Mortgage Balance (June 2019) £72,000. Mortgage Free November 2025!3
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That’s truly awful about your (lack of) Pariser Jessy - how rude of them.
I’d be cautious about going with an agent that takes a fee upfront though - there’s not a lot of incentive for them to sell it if they’ve already got their money and by the sounds of it you’re stuck with them for 2 years?! Or is that not exclusive rights? In any case, once you’ve paid, they’ve got their money, regardless of if they actually try to sell your home.Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days
'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway4 -
Boo to your works attitude 🤬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
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