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Steadily climbing the mountain, enjoying the view along the way
Comments
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well done you! Great work.
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 !!2 -
Ah that's fantastic, well done for being brave
https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty1 -
Definitely well done on the push-back, @KajiKita. You shouldn't have had to donate so much head-space to the situation, especially on the weekend, but bravo to you for setting out your case professionally. And - because it's a rarity in many organisations - at least a partial 'nod' of acknowledgement to the GM for listening to you and acting accordingly with grace and professionalism. If they don't realise they've got a pearl in you, then you need to be with another organisation that does recognise your dedication.
Greying X
GC October 2026 £203.49/£232.50 (£29.01 remaining for 7 days)
GC September 2026 £226.57/£225
GC August 2026 £218.02/£232.50
GC July 2026 £237.82/£232.50
GC June 2026 £225.39/£225
Non-food spend October 2026 £68.50/£80
Bulk Fund 2026 Month 10/12 - £0/£20.40 (reducing balance - start £120)3 -
Positive news indeed.
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]2 -
Thanks @Cheery_Daff, @Fortune_Smiles, @Greying_Pilgrim @beanielou and @Brewerspride 😊 I really appreciate your support.
On reflection I think there was a huge amount of miscommunication between us and a significant clash of styles here. But, I have drawn a line in the sand and he knows where I stand in relation to it - he looked quite taken aback when he saw how much prep I had done for this conversation and thanked me for speaking to him …He’s quite a bit younger than me and has a bit of a ‘jack the lad’ vibe. Not a style I have ever worked with before in such a senior position. It’s going to take some getting used to … for both of us I think! 😂😂
KK
As 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 76 books of target 52 in 2026 as @ 23rd 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 -
Not a fan of ‘Jack the lad’ types.
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]2 -
Well done on setting your case and well done to him for listening to it - hopefully he's taken note of how seriously you were thinking about it and will act more accordingly in future.
Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
Current mortgage amount: £224,460.73
Start student loan 2012: £29,750; current student loan: CLEARED July 2025
Unread owned books Jan 2026: 256
Undone crafts 2026: +12 -
Oh - how very well done KK - I'm so glad that difficult conversation went smoothly!
4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)(With heartfelt thanks to those who have gone before us & their indubitable generosity.)...and now I have a mortgage! (23 AUG 2021)Original End Date - Sept 2041 *** New projection - Jun 2040 (reduced by 1 years & 3 month)1
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