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SF's road to mortgage freedom!
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slowlyfading wrote: »It's lovely
make one! I make mine with half water/half milk 
Ohhh if you insist
*tootles off to put kettle on & milk in microwave*Grocery Challenge £211/£455 (01/01-31/03)
2016 Sell: £125/£250
£1,000 Emergency Fund Challenge #78 £3.96 / £1,000Vet Fund: £410.93 / £1,000
Debt free & determined to stay that way!0 -
Right, so back onto mortgage-freedom route, I'm going to try really hard not to be tempted by anything this month, and to really hammer the OPs. Where we've moved to isn't our forever home, but it's a very good start, and the more we can pay off sooner the better
However, I'm also conscious that we don't have much of an emergency fund, so I'll be looking at building that up pretty quickly too. I'm also going to look at upping our income - I'm going to have a look around and see if I can sell anything (probably, we seem to have a lot of stuff!) and also do a general de-clutter at the same time.
Trying to take my mind off tomorrow...!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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As could I
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 -
*tootles back in ... mug of HC in hand*:D
Dig bic anyone? (they are actually WW ones ... spied they had a OOD of End Jan so they need to be eaten)
mmmm clutter - you're looking at the clutter queen here
Honestly, my house is full to bursting ..... there's a family with 2 adults & 3 teenagers over the road - now admittedly it's a slightly different layout (overall the same size .... and they only have ONE loo / bathroom:eek:) BUT .... :eek::eek: where do they put everything? There isn't a single cupboard in this house?
I'm wondering if my binder thing will make me clear up a bit - I've already noticed I had to clean a room last night (that I'd never normally do ... well not often at 10pm anyway:o) ... and I've cleared out my recipe folder ... mmmmm:) hope so!Grocery Challenge £211/£455 (01/01-31/03)
2016 Sell: £125/£250
£1,000 Emergency Fund Challenge #78 £3.96 / £1,000Vet Fund: £410.93 / £1,000
Debt free & determined to stay that way!0 -
Re OP ... fab & as much as poss but keep some aside for emergency / savings ... once you've OP it, you can't get it back if the WM or FF breaks down!Grocery Challenge £211/£455 (01/01-31/03)
2016 Sell: £125/£250
£1,000 Emergency Fund Challenge #78 £3.96 / £1,000Vet Fund: £410.93 / £1,000
Debt free & determined to stay that way!0 -
I thought we didn't buy a lot of "stuff" but moving house has shown we still own plenty!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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That's very true!rising_from_the_ashes wrote: »Re OP ... fab & as much as poss but keep some aside for emergency / savings ... once you've OP it, you can't get it back if the WM or FF breaks down!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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Right ... heading off for pampering session (my "be nice to me" resolution) and try to soak in the bath ....... in case I miss you later - best of for tomorrow xxGrocery Challenge £211/£455 (01/01-31/03)
2016 Sell: £125/£250
£1,000 Emergency Fund Challenge #78 £3.96 / £1,000Vet Fund: £410.93 / £1,000
Debt free & determined to stay that way!0 -
slowlyfading wrote: »Just heard from one of my best friends - her bf has left her today, completely out of the blue. they had built a life together, miles away from all of her family and friends, and now she has no idea what to do, can't afford to stay where they are, etc., she's heartbroken
Feeling a bit helpless as we live at the other end of the country from her, but it's still sad blah to other people.
Awful awful situation for her. But please don't underestimate the difference you can make, even from a difference. When my X left me, I too was in a very isolated situation, so I spent ages on the phone to various of my long-distance friends, and that was got me through.
Anyway, good luck for school tomorrow. What do you teach?Starting again 13/4/19Home loan 1: £21,102.50 Home loan 2: £7,698.99Total owed: £28,801.49
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I hope today is going well for you and you are enjoying your first day, if that is possible!0
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