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SF's road to mortgage freedom!

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  • slowlyfading
    slowlyfading Posts: 13,429 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Sorry, it appears I'm rubbish at keeping a diary :o although, the garden is a monster so it is taking a lot of doing! As it's our first proper garden, it's a "learn as you go" type thingy, so it's probably taking longer than it should do.

    So, I've OP'd £500 this month, which is pretty good going :) Not really added anything to the emergency fund this month though, just a few pennies. Hmm.

    I've booked my car into we buy any car next week, as it's falling apart and we don't want to spend lots of money trying to get it all fixed when it's not worth much. I think it'll cost more to fix than the car is worth! So, if they don't offer us a ridiculously low amount, then we'll sell it and be down to one car. Anything we can get for it will go into the emergency fund and then I can claim back on the insurance so that'll be a few more pennies in the pot. I think it'll be strange only having one car, but it'll be good financially in the long run.

    In other news, I'm going to Cyprus in less than 2 weeks! A bit of a last minute, spur of the moment thing. My parents were going anyway, and they said they had a spare room where there were staying so did I want to join them for a week? Um, yes! :o so just going for a week, which will be lovely.

    One more thing that's slightly stressing me out at the moment, is the fact that I'm a bridesmaid in 4 weeks time and the dress doesn't fit! :o :eek: :eek: :eek: I'm going to have to not eat for the next four weeks I think :o it's my own fault, but arrrgh! Any suggestions ladies? :o

    And, last of all, I love the school holidays :D
    Be who you are and say what you feel because those who mind don't matter and those who matter don't mind.
    Personal Finance Blogger + YouTuber / In pursuit of FIRE
  • slowlyfading
    slowlyfading Posts: 13,429 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Lois_E wrote: »
    Hope you're all right. I've just been catching up on your diary and you seem to me to be doing brilliantly. :T

    Thanks - I try! :D
    Be who you are and say what you feel because those who mind don't matter and those who matter don't mind.
    Personal Finance Blogger + YouTuber / In pursuit of FIRE
  • DedicatedDFW
    DedicatedDFW Posts: 4,234 Forumite
    Hi SF, Thought i'd pop in and see how you were doing :D

    :T To the overpayment

    and

    :j To the holiday

    Whoops on the bridesmaids dress though - how much smaller is it? And is there any chance of adjusting it? Hope it all works out - i can't help with the weight thing sadly i have gone up 2 whole dress sizes :eek::eek: Down to thyroid though so hoping it'll settle down x
    CC1:T £[STRIKE]2531[/STRIKE] £1460
    MORTGAGE OVERPAYMENTS: £10575.20 Target £12,100
    MF Date: [STRIKE]August 2042[/STRIKE] May 2035
    Declutter 1000 things by Xmas 2015! 53/1000
  • beanielou
    beanielou Posts: 95,682 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Great news on holiday :)
    Why dont you look on the Slimming World website?
    There is a sample 7 day menu that you could have a look at & follow if you like the look of it.
    Ask if any q's.
    Oh & drink lots of water.
    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.
  • slowlyfading
    slowlyfading Posts: 13,429 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    It needs about another inch of weight loss - can I do that in four weeks? :o I'm going to have to be very strict and drink lots and lots of water.

    But, my wedding dress didn't fit four weeks before and I made it fit, I just need to do it again!

    So, food today has been:
    b - slice of wholemeal toast with butter
    l - scrambled eggs on toast, jaffa cake
    d - roast veg with salmon

    I'm going to try and not eat too much bread/carbs for the next four weeks too, as they can cause me to bloat.

    DFW - don't think there's any chance of altering it unfortunately :(

    beanie - I'll have a look on the slimming world site, thanks for the tip :)
    Be who you are and say what you feel because those who mind don't matter and those who matter don't mind.
    Personal Finance Blogger + YouTuber / In pursuit of FIRE
  • slowlyfading
    slowlyfading Posts: 13,429 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I've lost another lb this week, was hoping for more but at least it's in the right direction!

    Feeling all meh today, tired and ache-y. I hope I'm not coming down with anything, that would be really rubbish. I've not done much today, as I can't be bothered. I've pottered around the house, had a tidy, played the piano for a bit, and sat on the sofa quite a lot.

    I'm currently in the process of making this: http://www.morrisons.co.uk/Food-and-Drink/Recipes/Index/S/Sausage-and-butter-bean-casserole/ for tea which smells divine :drool: I'm having nothing on the side, but DH has got some crusty bread to dip. If it wasn't for the dress, I'd be dipping too! ;)

    Not much else to report, for this weekend. The sun is shining here now, but we had lots of rain over night. Good really, as it means the plants don't need as much watering!

    In other news, how is it the end of July already..?
    Be who you are and say what you feel because those who mind don't matter and those who matter don't mind.
    Personal Finance Blogger + YouTuber / In pursuit of FIRE
  • Peonie
    Peonie Posts: 1,471 Forumite
    Try to stay good on holiday. If the apartment has a pool use it every opportunity; swimming and your own aqua aerobics. Try to stay away from alcohol and ice cream and drink lots of water.
    Pots: House £6966/£7100, Rainy day Complete, [STRIKE]Sunny day £0/£700[/STRIKE], IVF £2523/£2523, Car up-keep £135/£135, New car £5000/£5000, Holiday £1000/£1000, MFW #16 £2077/£3120
    MFiT3 #86: Reduce mortgage from £146,800 to £125,000
    Mortgage Sept 2014: £135,500, MF Oct 2035 Peak July 2011: £154,000, MF July 2036
  • beanielou
    beanielou Posts: 95,682 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I really dont know where this year is going~tis scarey.
    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.
  • slowlyfading
    slowlyfading Posts: 13,429 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Peonie wrote: »
    Try to stay good on holiday. If the apartment has a pool use it every opportunity; swimming and your own aqua aerobics. Try to stay away from alcohol and ice cream and drink lots of water.
    There is a pool so I'll try and use it every day :) I shall also avoid alcohol and ice cream, which will be hard :o but, I need to do this...! :o
    Be who you are and say what you feel because those who mind don't matter and those who matter don't mind.
    Personal Finance Blogger + YouTuber / In pursuit of FIRE
  • slowlyfading
    slowlyfading Posts: 13,429 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    beanielou wrote: »
    I really dont know where this year is going~tis scarey.
    It really is!
    Be who you are and say what you feel because those who mind don't matter and those who matter don't mind.
    Personal Finance Blogger + YouTuber / In pursuit of FIRE
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