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Enjoying the Sunshine whilst Saving for the Rainy Day

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  • Hmm perhaps I should get one myself then ;)
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. A-£200, S- £200.
    Total- £1562.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • AlexLK
    AlexLK Posts: 6,125 Forumite
    Debt-free and Proud!
    Most certainly. :) I love my Triumph and one of the first things to do once we are out of debt is for us to save towards buying Mrs. K. another classic car. :)
    2018 totals:
    Savings £11,200
    Mortgage Overpayments £5,500
  • Well done on debt free :D Look forward to following ...

    Although after reading I think I'm scared of my 4 year old getting any older :p..
  • *Robin*
    *Robin* Posts: 3,364 Forumite
    Tenth Anniversary 1,000 Posts Combo Breaker Stoptober Survivor
    Hello D.Free, :hello:

    Just popping in for a catch-up. :)
    On the bike subject my bike arrived yesterday :j dh put it together and ds1 and I went out so I could show him a safe route to school using bike paths. Well half way there his handle bars literally fell off :eek: we just happened to be near a cycle shop (what luck!) So we popped in and they were very nice, especially considering i'd left my purse at home :o they fixed all the bits dh had done wrong :o and gave me a speech on how it was better to buy locally from people who knew what they were doing and that also ds could have picked a bigger bmx than he had currently. Hmmm oh well I tried to get him to choose a different bike altogether but he's so stubborn he refused so I will make him use the bmx now that he has! So in my sons case his bikes have gotten smaller and slower (no gears!) Lol :rotfl:

    I have a family member who runs a cycle shop. Several times a week during late August and through September - when kids have got a new bike at the start of the school year - he gets slightly embarrassed parents turning up with self-assembled bikes which have come close to causing their child a disastrous accident..
    Sometimes he goes into local schools on the first day, to check all the bikes - reckons it saves a lot of grief as he's never come away without finding at least half a dozen dangerous faults.
    So you're not alone, D.Free - sounds like your DS was very lucky!
    Reckon he may regret passing up the chance of swapping his BMX for a larger model pretty soon though - wait for his next growth spurt!
    AlexLK wrote:
    a classic is a good (MSE) first car: very cheap to service, run, insure and most likely free to tax.

    All true (possibly except insurance). However, a zero-tax classic car is unlikely to have power steering, air bags, or be built to modern safety standards..
    At homehome I drive a Pug gtx - but refuse to give Los Divos the keys until they've held a full licence for five years (by which time they've outgrown the desire and have their own cars, thank goodness!).


    Amazing chocolate cake, D.Free, but was dismayed to see you made it with Manuka honey (very much doubt baking it will preserve the particular health benefits, and what an expensive ingredient!**).

    **Careful; don't want your admirable new debt-free status to allow bad habits to creep in.. ;)
  • Hi [B]hidden identity [/B] and robin

    Lol well the manuka honey was the only one I had in ;) and it was the very dregs at the bottom so I didn't mind .. certainly wouldn't have used otherwise :p (and very good price at a1di lol)

    Bike was half the price online hence why we bought there plus the £35 charges they wanted for putting together I couldn't justify it :( agreed with man in shop on every aspect he said though about buying from shop, purely because he was so helpful :o I also got mine online as again same one in shop was £100 dearer and then charges again on top to assemble. I know they have overheads but it's a huge difference to me that's £220 in my savings still :o

    HI I don't blame you for feeling that way the older kids get the more they want yet it seems the more they hate you and blame you for everything (or perhaps I'm doing it all wrong lol)
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. A-£200, S- £200.
    Total- £1562.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • Spends this weekend from next month's budget:
    £102 meat (still not got it all though as they didn't have any stewing beef in & also need to get fish still)
    £25.10 on organic bread flour (25kg should last a couple of months at least)

    Hoping to spend less than £400 on food again for October. The meal plan is written and I will do a big shop tomorrow to stock everything up and whatever is left will be divided up between the weeks left (5 week month this time :eek::(!)

    Checked pending things on my main account and there is £400 still being processed (bike, airer and a few other smaller bits from shopping trip the other day) Pay is pending to go in as is child benefit :) so will do shopping and car tax in the morning and reassess what needs to be paid/left in account/moved to savings afterwards.

    Kids have disappeared upstairs so i'm currently enjoying 5 mins peace ;)
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. A-£200, S- £200.
    Total- £1562.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • abba1772
    abba1772 Posts: 7,746 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Car Insurance Carver!
    I checked out the heated airer looks great but I need to save up some pennies first my hubby to be likes the look of it too so defo going to get one as I like the idea that you can fold it away when not using it xx
    NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12
    POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.05
  • Spends this weekend from next month's budget:
    £102 meat (still not got it all though as they didn't have any stewing beef in & also need to get fish still)
    £25.10 on organic bread flour (25kg should last a couple of months at least)

    £55 on App0ved F00ds (AF) this will last probably 2-3 months and was mainly jarred/tinned goods that I buy from a1di/t@sco etc and was much cheaper :)

    Bit scary though the month starts tomorrow and i've already spent £182 :eek:...why does everything always run out at the same time though :eek:
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. A-£200, S- £200.
    Total- £1562.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • abba1772 wrote: »
    I checked out the heated airer looks great but I need to save up some pennies first my hubby to be likes the look of it too so defo going to get one as I like the idea that you can fold it away when not using it xx
    The reviews are aplenty too and nearly 100% 5 stars so I hope it lives up to my expectations now ;) I should receive it this week :j just in time for the weather changing again!!
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. A-£200, S- £200.
    Total- £1562.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • AlexLK
    AlexLK Posts: 6,125 Forumite
    Debt-free and Proud!
    Robin: Re. Classic cars. Both my wife and I had classic cars in the late '90's for our first cars and we are still alive to tell the tale. :)
    2018 totals:
    Savings £11,200
    Mortgage Overpayments £5,500
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