📨 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!

Diary of a spendy cow

Options
1…5859616364…93

Comments

  • EssexHebridean
    EssexHebridean Posts: 24,424 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I definitely need to learn your tricks...! :D
    🎉 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
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • mooomin
    mooomin Posts: 13,703 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    It would be impressive if I was doing it on purpose EH :D
  • mooomin
    mooomin Posts: 13,703 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    It's Wednesday and I still have £31 of my food budget for the week left :D:D

    At this rate I'm going to be able to do a decent "monthly" shop at the end of the month and still stick to my weekly budget :j

    No meal plan done yet. I'm a lazy Mooo :o
  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    mooomin wrote: »
    No meal plan done yet. I'm a lazy Mooo :o

    Me neither and me too :o:o
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
  • mooomin
    mooomin Posts: 13,703 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Morning :D

    45p is already payable from a receipt I uploaded to TCB on Tuesday so I've changed it to Clubcard points which will make it worth £1.80 when I cash it in for deals - not bad considering it was cashback on a loaf I bought for £1 :D

    I can finally access Adpoints again, so I'm working my way through videos. Still no sign of my 200 points though. Bah! I've earned over 50 points this morning while doing my usual internet nonsense so that's not bad :D
  • mooomin
    mooomin Posts: 13,703 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Morning folks :D

    No sign of my Tesco vouchers yet which is vexing as I want to use some of them tomorrow when I do my weekly shop!

    Food spend for the month is up to £96.10 but I should get £4 back from an app I used which had a "try me free" offer for two Birdseye products. These apps seem like quite a good idea if you would be buying the product anyway. Yesterday there was an offer for 40p when you bought a certain shampoo. I don't need any right now, but it was only 80p in Asda, so after the cashback will only have cost me 40p :money: I'm going to be adding the full price on to my food spreadsheet but will remove the cashback as and when I get it.

    It's payday too, so:

    Current account: £50
    Food account: £53.90
    Birthdays: £95.58
    Car: £171.97
    Purse: £5

    In other exciting news, I've been made permanent at my job :D It's not totally permanent as it's for 18 months, but it's still better than nothing. My last job being in financial services, the pay cut is about a third (!!!!!!) but I should clear about £1200 a month which I can totally work with. I really like the job, the people and the location and for me that's worth the salary cut. Remind me of that when I'm worrying about money next time ;)
  • beanielou
    beanielou Posts: 95,599 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Great news on the job :j :j
    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.
  • tomtombeanie
    tomtombeanie Posts: 1,023 Forumite
    Part of the Furniture Combo Breaker
    beanielou wrote: »
    Great news on the job :j :j

    I second that! Hurrah :)
    Mortgage free as of 11/11/15 !
    :Anow... to start some serious saving :A
  • Pippilongstocking
    Pippilongstocking Posts: 16,336 Forumite
    Hooray hooray hooray.

    Such great news.

    CC vouchers - just used mine to buy some stuff for the new garden. Hope yours turn up.
    Total debt 26/4/18 <£1925 we were getting there. :beer:
    Total debt as of 28/4/19 £7867.38:eek:
    minus 112.06 = £7755.32:money:
    :money:Sleeves up folks.:money:
  • Ali-OK
    Ali-OK Posts: 4,073 Forumite
    Part of the Furniture Debt-free and Proud!
    Congratulations! :T:T
    Back on the DFW Wagon:

    CC - £3,300 on 0% til 04/2020
    CC - £4,500 on 0% til 02/2019
    Loan - £12,063.84 as at 4/1/18
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
  • 351.2K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.2K Work, Benefits & Business
  • 599.2K Mortgages, Homes & Bills
  • 177K Life & Family
  • 257.6K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K 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.
Update Your Picture