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Steadily climbing the mountain, enjoying the view along the way

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  • beanielou
    beanielou Posts: 101,180 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!

    I don’t have a clue either. Would not even know how to start or what to even buy.
    So a massive well done @KajiKita to you.

    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. 13 months left.
  • KajiKita
    KajiKita Posts: 10,747 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic

    Thanks @PennysIntoPounds and @beanielou 😊 Maybe I’m not as ignorant / useless / behind the times as I thought … 😉

    KK

    As at 18.08.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £211,813
    - OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 66 books of target 52 in 2026 as @ 10th September. 
    Produce tracker: £315 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. 
  • daisy_1571
    daisy_1571 Posts: 3,280 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker

    Another one that wouldn't have a clue ! Lol, well done, that sounds like it will work well. Although I dont mind the hc programs. Or last of the summer wine as we call them - I'm sure one day they'll all get in a bathtub and career down a slope 😆 🤣

    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'
  • I bought an iPod. When they were new-ish, after the initial rush to get them when they dropped a little in price. And I didn't know how to use it. It sat in the box unused for ages, my DS1 put some music on for me and showed me how to use it. I still couldn't figure it out and put It back in the box 🙈 You're not alone with being a bit behind with the tech. 🙈🤣

    Emergency Fund - £1000 
    Baby cash emergency fund £210/250 
    Mortgage OP goal 2026 - £1200/£4500 
    Read 24 books this year 24/24

  • Skint_yet_Again
    Skint_yet_Again Posts: 9,199 Forumite
    Part of the Furniture 1,000 Posts Hung up my suit! Mortgage-free Glee!

    I wouldn’t have a clue either. I used a laptop for work but only because we had been trained in how to use it 🫣🤣 I am a bit useless with technology. Just use my phone now but often have to ask my DS or 21 yo nephew how to do things on it 🤣 Never used ear buds

    ❤️Mum 2018
    0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
    House sale OCT 2022 = NOW MORTGAGE FREE 🤗
    House cash purchase completed FEB 2023 🥳🍾 & left work. 🤗

    Retired at 55 & now living off the equity £10k a year

    ❤️Dad 2025

    Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1

    Living off savings diary
    https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p1
  • Watty1
    Watty1 Posts: 8,601 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker

    confession time, I have ear buds. I bought them when asked to trial an app that required me to download the app and use it when riding so I needed the ear buds. The app I have FOC as a result of being in the trial test group - but - I never did figure out the ear buds.

    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 !!
  • daisy_1571
    daisy_1571 Posts: 3,280 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker

    we do have ipods. I love them. One for my music, one for mr d music, one of our overlap music, several more but... I can never work out what one is what, I have never and probably will never understand how music gets from a cd onto it - black magic i think 😀 - and I have no idea what's happening if it doesn't instantly work. Mr d does all that nonesence 🤣😂

    Dxx

    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'
  • beanielou
    beanielou Posts: 101,180 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!

    Really really starting to get dark so early. Sadly.

    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. 13 months left.
  • Brie
    Brie Posts: 17,704 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper

    I got a free ipod somewhere when I couldn't afford to buy one. Tried to set it up but it was impossible. There was a manual but it was so badly written that in the end I decided it had been written in German and translated into English by someone from China. Things like "if friend trusted, lend but not with code" which I assumed was advice about security but nothing so straightforward as to how to work the device.

    As for other tech, I've been known to walk into places and ask if they have someone who knows about the kit but is old enough to explain it to me in simple English. This was after trying to buy a phone years back and wanting one where I could listen to the radio on it while commuting but the 12 year old kept saying it's all on the apps but couldn't explain to me what that actually meant with the phone I was looking at. I've yet to try earbuds but have had some good bluetooth headphones in the past.

    I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe, Old Style Money Saving and Pensions boards.  If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.

    Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board:  https://lemonfool.co.uk/financecalculators/soa.php

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    "Never retract, never explain, never apologise; get things done and let them howl.”  Nellie McClung
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