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Steadily climbing the mountain, enjoying the view along the way

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Comments

  • beanielou
    beanielou Posts: 99,575 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!

    That’s a tough one.

    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. 19months left.
  • Watty1
    Watty1 Posts: 8,233 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker

    work sounds tough. Will your position be safe ??

    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 !!
  • KajiKita
    KajiKita Posts: 10,088 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic

    Thanks @beanielou

    Honestly I don’t know. I would have thought so. But I suspect I will have to lose one of my team. I have been debating which one with myself all weekend ….

    KK

    As at 17.04.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
    - OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 31 books of target 52 in 2026 as @ 7th May. 
    Produce tracker: £108 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. 
  • Watty1
    Watty1 Posts: 8,233 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker

    That must be a horrid discussion to be having with yourself. Hope the workplace is able to offer some support/shared decision making when the time comes.

    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 !!
  • Humdinger1
    Humdinger1 Posts: 2,902 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper

    @kajikita, that's tough. Is the loss of customers related to the stuff you're now putting right? You're plainly essential and there is still so much to do that no-one but you can, no? Love Humdinger xx

  • Merlin's_Beard
    Merlin's_Beard Posts: 1,747 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper

    I think investing in yourself is a good idea! And definitely don't be afraid to try a few people if the first one doesn't suit.

    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
  • debtfreewannabe321
    debtfreewannabe321 Posts: 10,695 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    Totally in sync! I've heard back from the counsellor I messaged and signed up for some lymphatic drainage massage (not physio but hopefully will help my issue). 💞

    Emergency Fund goal - £1000/2000
    Mortgage OP goal 2026 - £1200/£4500 
    Read 24 books this year 14/24

  • KajiKita
    KajiKita Posts: 10,088 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic
    As at 17.04.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
    - OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 31 books of target 52 in 2026 as @ 7th May. 
    Produce tracker: £108 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. 
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