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Trying to get on track
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hopefully, it's apparent now. turns out, i'd just assumed my sig was OK. when i re entered it, i got an error message as i was using too many lines. so, what can i say. in spite of all the stop / starting, I achieved what I sent out to do, kinda. i didn't make all the payments I'd originally intended to the mortgage BUT, it cahrges me 0.41% in interest and my ISA pays me 2.2% so combined, i've exceeded my two year target. it's all thanks to you good peeps here. if i hadn't stumbled across these diaries, i wouldn't have started this lark three years ago and without a target, would not have cleared / set aside so much. and, guess what, i'm not feeling bereft of handbags nor have others suffered deprivation at Christmas or birthdays.
I'm never going to manage to be hard core old style type person. i still meet friends for breakfast, have the odd coffee out and spend on silly things but i now recognise that's what i'm doing and what a treat / indulgence looks like. I'm a total voucher hound and average a saving of roughly £7 per week. It may not seem like much but it's £500 pre tax annually. i also continue to cashback and stock up on whoopsieds.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 -
Well done INOD :TIf you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720250 -
Brilliant INOD - well done!
Fortune xMortgage: 100% paid Emergency Fund: 100%
A Better View 🌄 'Being on the edge isn't as safe, but the view is better' - Ricky Gervais0 -
That is just so awesome
a massive massive well done to you :j :j :j
& an awesome emmergency fund too ;grin:
How long are you hoping to do the rest over then?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 -
Well done!
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Fabulous achievement INOD :T:D
Greying XPounds for Panes £7,305/£10,000 - start date Dec 2023
Grocery Spend August 2025 £94.78/£300
Non-food spend August 2025 £3.75/£50
Bulk Fund August 2025 £0/£100 -
Yay :j. Well done you, I think you have found some quite impressive direction after all :money:
So yes, what's the next target. Lower interest charged means more overpayments possible, maybe?0% card was £1126.91 / Now £1502.37
AFD March 2/15 NSD March 2/11 :T
Other debts paid since 1/1/14: £17,0050 -
well that depends on how quickly i can get a new job doesn't it? told you there's been lots going onMortgage 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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Well done inod! :j. Wow about getting a new job! Can't wait to hear all about it!
Have a great New Year! XFinally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”0 -
that is marvellous
Well done And happy New Year XXXXXXXXXXx Nevertheless she persisted.0
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