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Fresian's Free Of Debt (Woo!) Now, to stay that way...!
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Where does all my money go?!
PAD/Spends - £145 (£10 to Mr Fresian, exchanged for cash, £10 cashback in supermarket, rest has been PADded)
Groceries - £149.48
Entertainment - £81.54 (Going to take a hammering this week...)
ISA Savings - £634.86
I'm due some extra money from work which is going to pay for my cinema pass...off to renew that now!
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Where does it go indeedy.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.0 -
flying_fresian wrote: »Decided to seize the day so have paid £100 into my mortgage. This has come from my interest-free overdraft and so when my missing payment hits my account it will be repaid. That stops me thinking better of it!
Woo Hoo! well done for taking the plunge. Now, how about this for an idea - do you pay your council tax like we do, over ten months rather than 12? If so, you have two months coming up without having to pay it? We send ours to the mortgage....
Intergalactic_Floozie wrote: »Wow, just think there are some people (and I am sure they wont mind me saying this) who came to this site owing a lot more than what is outstanding on your mortgage, and paid it off within a few short years.
(disclaimer - I am not, and never will be, one of them!).
But my mortgage is less than £80K, so I'm quite proud of that
(PS, all I spent this weekend was £12 on make-up. I'm toning my look down now I'm in my mid-thirties. Transvestite hooker chic no more!)
So's mine, now! So glad we started OP'ing!flying_fresian wrote: »Where does all my money go?!
PAD/Spends - £145 (£10 to Mr Fresian, exchanged for cash, £10 cashback in supermarket, rest has been PADded)
Groceries - £149.48
Entertainment - £81.54 (Going to take a hammering this week...)
ISA Savings - £634.86
I'm due some extra money from work which is going to pay for my cinema pass...off to renew that now!
Ah yes, the question asked by MSE'ers everywhere!
FF - if you want a nifty spreadsheet that works out how OP's will affect your mortgage finish date and lets you keep track of how you're doing, let me know.🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
Balance as at 31/08/25 = £ 95,450.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her0 -
EssexHebridean wrote: »
FF - if you want a nifty spreadsheet that works out how OP's will affect your mortgage finish date and lets you keep track of how you're doing, let me know.
Yes please, but once the laptop is up and running again. The PC is Mr F's domain and I try and keep the accounting off it!
I overpaid by £100 this month which is just under my council tax payment and intend to overpay by £122 next month which is the full amount. It's a very good idea!0 -
flying_fresian wrote: »
Yes please, but once the laptop is up and running again. The PC is Mr F's domain and I try and keep the accounting off it!
I overpaid by £100 this month which is just under my council tax payment and intend to overpay by £122 next month which is the full amount. It's a very good idea!
I'll PM you xx🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
Balance as at 31/08/25 = £ 95,450.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her0 -
Gimme two minutes to clear out my vastly clogged inboxEssexHebridean wrote: »I'll PM you xx
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PM box now clear(er)
Message away!0 -
Hi Everyone,
Hope you don't mind fresian but as i put a message to beanielou on your thread i just wanted to say I have popped the soap and glory scrunchie thing in the post today - sent 2nd class mind as I do try and be frugal so hoping it should be with you by the end of the week
Ah Mortgage overpayments :T - i do pay a bit more on occasion but at the moment it's a case of 'hurl everything at the debt':o :rotfl:EH you sound like you have a good plan in place with yours
Hope all is well at Fresian TowersCC1:T £[STRIKE]2531[/STRIKE] £1460MORTGAGE OVERPAYMENTS: £10575.20 Target £12,100MF Date: [STRIKE]August 2042[/STRIKE] May 2035Declutter 1000 things by Xmas 2015! 53/10000 -
Of course you can leave a message for Beanie here DFW! You can pop in for a virtual cuppa too though
I'm on the train now anyway on my way to Englandshire for the last time in a while as I start my new secondment on Monday. I'm going to miss the extra money bit I'm quite glad that I won't have travel to worry about for a while!
I didn't renew my cinema pass after all last night. After getting passport photos done and queuing for twenty minutes it turns out you can't renew the damn thing at the counter anymore. Instead you have to use a booth which is right at the front is the cinema and get your picture taken in front of anyone in the queue. I will do it at the weekend when its quieter instead.0 -
Thanks DFW
Oooh a new secondment FF
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.0
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