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Steadily climbing the mountain, enjoying the view along the way

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Comments

  • Merlin's_Beard
    Merlin's_Beard Posts: 1,655 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    I'm sorry for the awful day at work, it's horrible when it lingers on into your time as well.

    The thought of organising my crafts brings me out in hives, so good work on what you've done!
    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: +1
  • KajiKita
    KajiKita Posts: 9,306 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    Thanks @Merlin's_Beard 😊

    Oh dear … 😂 I won’t be coming to you for ideas then! 😉😊

    KK
    As at 15.01.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £222,084
    - 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 7 books of target 52 in 2026 as @ 23rd January 
    Produce tracker: £29 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. 
  • debtfreewannabe321
    debtfreewannabe321 Posts: 10,306 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Has work been better since Monday? 
    I've had a mental week and every friend I speak to seems to have had the same. Is there something they've put in the water 🙈💖💖💖
    Emergency Fund goal - £717.77/1500
    Weight loss goal 1 - 1/7 lb 
    Mortgage OP goal 2026 - £128.27/£4500 

    New Diary- https://forums.moneysavingexpert.com/discussion/6647063/investing-in-us-holidays-health-and-the-road-to-150k#latest
  • KajiKita
    KajiKita Posts: 9,306 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    Has work been better since Monday? 
    I've had a mental week and every friend I speak to seems to have had the same. Is there something they've put in the water 🙈💖💖💖
    Flipping good question! 😉😂

    Yes, the rest of the week has been better 😊 Busy but not horrid like Monday was. 

    KK
    As at 15.01.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £222,084
    - 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 7 books of target 52 in 2026 as @ 23rd January 
    Produce tracker: £29 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: 97,885 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Happy MSE anniversary!
    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.
  • skint_spice
    skint_spice Posts: 13,645 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Happy MSE anniversary 🎉
    Mortgage OP 2026 £50/2000
    Mortgage OP 2025 £7700/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £33,546

    Make £50 a month Jan £20
    Boiler fund £925/3000

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • KajiKita
    KajiKita Posts: 9,306 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    Thanks @beanielou and @skint_spice 😊

    Cracking day in work today - boss was in a good mood (he’s up to something mildly mischievous in relation to our under performing sales team, I suspect - I’m staying well out of it but we definitely have the go ahead to carry on with 14001 certification this year 😊), clarified a really complex inspection / rework scenario for anxious customer via colleagues and supplier (we almost have a plan), typed up H&S meeting minutes and made a solid start on drafting an internal audit report with one of my new auditors. Not bad for a morning 😊

    Hustled round town to change my library books, picked up some toasted coconut flakes (back in stock) and flax seed along with some mushrooms for lunch. Raced home in case plumber was waiting, threw a wash in, made lunch (scrambled eggs, mushrooms, large tomato and some of the baby spuds I dug up last week 😊). Had a chill on the sofa.

    Wrangled cat food stocks in the kitchen and z00plus delivery into some kind of logical order and carried spares down to the cellar. By this time Mr KK had confirmed that the plumber was NOT coming today (another week of uproar then 🙄 - at least we haven’t actually lifted any floor boards yet …), so I took myself out for a short walk to get some light and air in the only dry spell we have had, or will have this week, or next … 🌧️🌧️🌧️

    Came back in good form so did some cutting back and weeding of tap rooted things in the garden, where I could work from hard standing of one kind or another as the ground is so soggy atm. Only did about an hour but it was pleasantly surprising how much visual effect it had 😊👏

    KK

    As at 15.01.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £222,084
    - 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 7 books of target 52 in 2026 as @ 23rd January 
    Produce tracker: £29 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: 97,885 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Happy weekend. 
    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.
  • PennysIntoPounds
    PennysIntoPounds Posts: 5,695 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Happy mse anniversary. Luvverly OP. Glad work has been cheerier 😊
    https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1

    'self-blame can be as egotistical as self-praise... any work worth doing is greater than we are... we must not overrate our importance to it, either for good or ill' Margaret Kennedy Lucy Carmichael
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