📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Mortgage-Free Fresian? Here's hoping!

1424345474876

Comments

  • mooomin
    mooomin Posts: 13,703 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Morning folks :)

    Today's PAD was £75 into the Early Repayment Fund for the loan. This is now sitting at £1101.25, although that includes a £1000 savings buffer that I didn't want to use to buy the car in case something went wrong in the house.

    If I save up enough money to pay the loan off outright, then I will use the savings buffer and just have a couple of months with no savings, but it will take me a while to build up £1000 now that Mr Fresian's sister will be leaving the house soon.

    Other funds are:

    PAD/Spends - £57.66
    Groceries - £45.11
    Entertainment - £40.95

    There are exactly two weeks until payday :eek: I have an hour of overtime a day from today until Friday though which is going to be helpful to September's salary and I'll hopefully pick some up next week too.

    Better get my toast toasted....
  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    In winter when we had loads of snow, we didn't let our cats out. They normally poo outside (I have no idea where but no one has complained so far! - Had complaints when they poo'd on other people's doormats :o but I think we have dealt with that now). Anyway, when we didn't let them out, cat #1 started pooing behind the front door. We tried everything but she just refused to use her litter tray in the house. The vet said it was probably because she was used to going outside and was doing it as close to outdoors as she could get. She said there wasn't really anything we could do and just had to wait until the snow went and see what happened then. When the snow went and they got back outside again she stopped pooing behind the door. She uses her litter tray again now for a wee if she needs one. That is probably not particularly helpful for you but some food for thought.

    Love the Radley!!

    Gap x
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
  • Footiemad_2
    Footiemad_2 Posts: 1,419 Forumite
    Well done with that PAD F_F however you do it, you will get there I am sure.

    Good news on the OT too, every little helps :D
    Footiemad:footie: 2013 - SPC no.1147...Keeep potting!!
    2013-VSP #21 £14.59
    SPC 2012 - £207.44
    SPC 2011 £647
    VSP 2011 £70.37
    23lb/54lb :o
  • mooomin
    mooomin Posts: 13,703 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Rotten morning at work (busy isn't even the word....!) but having Fred means I can pop home for some cat cuddles and a coffee before returning to the office, so woo to that!

    I might end up doing more overtime tonight as well due to work pressures, but I'm trying to think of the pennies :D

    Hump day tomorrow and I'm bumping Fat Club to go out for dinner for the fourth time in a week :o
  • beanielou
    beanielou Posts: 95,684 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Bumping fat club :eek: :rotfl:
    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.
  • Footiemad_2
    Footiemad_2 Posts: 1,419 Forumite
    Sorry to hear its not been a good day so far chick.:( bumping fat club ..any chance of a WI on the run and then you can really enjoy the night and new week starts on thurs ;) just a thought

    Hope the rest of the day at work has been ok ;)
    Footiemad:footie: 2013 - SPC no.1147...Keeep potting!!
    2013-VSP #21 £14.59
    SPC 2012 - £207.44
    SPC 2011 £647
    VSP 2011 £70.37
    23lb/54lb :o
  • ShelleyC_2
    ShelleyC_2 Posts: 1,500 Forumite
    I'll hide you in my handbag - nobody will notice :D
    Footiemad wrote: »
    Is there enough room for two:rotfl::rotfl:I just followed you and your adventures chick.

    Bit of a squeeze in here but think we're hidden ;)

    Had a race with Freda sister to Fred today on a slip road. I did win eventually but suspect they were pressing the whee button as surprised me how quickly she leapt ahead as light went green :eek:
    Looking for the perfect home and saving to make becoming a MFW easier
    MFiT3 48103/50000 Saved So Far :j
  • [Deleted User]
    [Deleted User] Posts: 1,843 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker


    Hump day tomorrow and I'm bumping Fat Club to go out for dinner for the fourth time in a week :o

    You have your leaders permission to miss fat club this week!! :D
    P
    X
  • mooomin
    mooomin Posts: 13,703 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Palema wrote: »
    You have your leaders permission to miss fat club this week!! :D
    P
    X
    Thanks boss :D
  • mooomin
    mooomin Posts: 13,703 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Two and a half hours of overtime done today :eek: I'm exhausted!!

    Good MSE news today though - I won a bluray player aaaages ago worth £400, but struggled to sell it. Yesterday I advertised it on Gumtree and today I sold it for £140 - a real bargain for someone and some much needed space/money for me. I'm really pleased :D Last time I tried to sell it all I got was emails from some muppet trying to get me to drive it to Birmingham for him (!!!)

    That will be a nice PAD tomorrow, hurrah!

    Night all ;)
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.3K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.3K Work, Benefits & Business
  • 599.4K Mortgages, Homes & Bills
  • 177.1K Life & Family
  • 257.7K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.