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The march to financial freedom
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Just catching up Ali.
Glad to hear you're feeling better. Roll on the hols.OSWL (start 13st) by 30Jun20 6/10
£1/day Xmas'20-62 £214/£366 saved
Grocery Challenge Jun £742/£320 spentHomeowner wannabe by July 2020 - WooHoo!!
Starter Emergency Fund £1000/£1000 saved0 -
Wow,that will be an awesome capital reductionI 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 -
supersaver1000 wrote: »Just catching up Ali.
Glad to hear you're feeling better. Roll on the hols.
Thanks SS, I'm on countdown to the Christmas break, it can't come soon enough, but I don't finish until the 23rd :eek:. Working right up to the wire with billable stuff.Wow,that will be an awesome capital reduction
I figured the mortgage has worked hard for me this year (and me for it), so it deserves a Christmas bonusand a more rounded figure to start 2015 with :rotfl:. Will be £123,700 :j
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 4/1/180 -
Well done you. Def aiming to end the year on a high.Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.0
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I figured the mortgage has worked hard for me this year (and me for it), so it deserves a Christmas bonus
and a more rounded figure to start 2015 with :rotfl:. Will be £123,700 :j
Pay off Car Loan £17,047 £10580 by Christmas 2022
Mortgage 1 @ 23/03/2019 [STRIKE]£101297[/STRIKE] £84457 16.6% DI [STRIKE]£6.95[/STRIKE] £6.15
Mortgage 2 @ 12/04/2015 [STRIKE]£136121[/STRIKE] £100,546 26.1
% DI [STRIKE]£9.13[/STRIKE] £6.07
1st LBM 02/06/2013 £[STRIKE]21595[/STRIKE] Debt Free Day 27/03/20150 -
Well, what I can say about today? The doggies have been a naughty pair whilst I've been at the office. We've lost a meal from the menu plan as they've eaten the raw pork loin steaks that were defrosting somewhere I thought was out of reach. :eek: Obviously not :rotfl:
Then one of them left a puddle - unheard of, but both their water bowls were empty on coming home. Must have been a bit thirsty after feasting on the pork!
Otherwise, it's been a good work day and one of DS's stocking filler pressies arrived. I'm off up the loft again tonight to search for his stocking - it's a big red fluffy santa face sack. Hmm, wonder if I should be downsizing that in line with being more frugal :rotfl:
Did the gas/electric readings this morning - we're using roughly 2 less elec units per week than this time last year so that is good. Gas is on a par, but will turn the thermostat down 1 degree and with wearing various warm items (no, I'm not saying that one-word again) hopefully we'll save a bit.
Financials:
- bank account checked - CC payment showing :j
- freepostcodelottery checked
- Nectar - search still at 40, will do some more of those shortly
- Nectar card - ahh, down £20 as I took a trip to Sbugs first thing and got the ice cream and desserts, goose fat (in a jar - that's a new product I think) and some drinks for the big lunch.
- Inbox Pounds - up at £1.82, getting a share of the non-referred new members at 6p a time and have had 2 in a few days.
- Qmee - still 17p in the pot
So tempted to have a nap, but know I won't get to sleep easily if I do that. Might have to sit and eat an Aldi chocolate bar instead :rotfl:
Hope everyone has had a good day.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 4/1/180 -
Just as I thought my son was getting his way, you have reminded me why getting a dog isn't a good idea, Ali.2018 totals:
Savings £11,200
Mortgage Overpayments £5,5000 -
A dog is such a good pet for a boy to grow up with.Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.0
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:rotfl: Lots of pros and cons to having a dog (or 2 in my case
).
Fantastic company for an only child and teaches them sharing, patience and all the stuff that I suspect DS would have learnt with having a sibling. Great for keeping fit and active. Can say you're talking to the dog when talking to yourself :rotfl:
On the downside, it's like having a toddler for life and accidents happen. As does disappearing food, injuries and bills for all sorts of things.
Wouldn't be without ours though, they're such characters and bring a quiet household to life and experiences we otherwise wouldn't have had.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 4/1/180 -
in_need_of_direction wrote: »A dog is such a good pet for a boy to grow up with.
Certainly agree a dog would be good for the boy. Whether one would be good for my wife and I is an entirely different matter.:rotfl: Lots of pros and cons to having a dog (or 2 in my case).
Fantastic company for an only child and teaches them sharing, patience and all the stuff that I suspect DS would have learnt with having a sibling. Great for keeping fit and active. Can say you're talking to the dog when talking to yourself :rotfl:
On the downside, it's like having a toddler for life and accidents happen. As does disappearing food, injuries and bills for all sorts of things.
Wouldn't be without ours though, they're such characters and bring a quiet household to life and experiences we otherwise wouldn't have had.
One is meant to share and be patient in life? Well, that's news to me.
Seriously, it's the "toddler for life" aspect that we're not so keen on.2018 totals:
Savings £11,200
Mortgage Overpayments £5,5000
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