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New year, new challenge! Only £108,454.91 to go!

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13

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  • SavingRaven
    SavingRaven Posts: 63 Forumite
    Hi Velocity girl,

    Well done on all your progress. I'm a bit like you in a number of respects, most of our OPing is done on payday and I get frustrated with what I see as a lack of progress between paydays.

    I also have a habit of booking holidays. It's my one weakness. I can give up everything else but those!

    SR
    Target 1: Debt: [STRIKE]4459.02[/STRIKE] Jan'15 [STRIKE]2899[/STRIKE] Feb'15 0
    Target 2: Emergency fund: Feb'15 [STRIKE]1500/6000[/STRIKE] Mar'15 6000/6000
    Target 3: Buy-to-let fund: Mar'15 [STRIKE]1200/4000[/STRIKE] Apr'15 4000/4000
    Target 4: Pay sister back: 9000/40000
    Target 5: Get mortgage to 250k: Jan'15 271,659 Today 259,283.82
  • shangaijimmy
    shangaijimmy Posts: 3,803 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    SavingRaven wrote: »
    Hi Velocity girl,

    Well done on all your progress. I'm a bit like you in a number of respects, most of our OPing is done on payday and I get frustrated with what I see as a lack of progress between paydays.

    SR

    I'm the same so to combat that i try to make a mini OP every week. This gets made up of tilly tidies on a Sunday and from my small change jar which i swap in the till at work once i hit £5. It does help a touch to keep at bay some of the frustration.
    MFW: Was: £136,000.......Now: £47,736.58......
  • BookWorm
    BookWorm Posts: 2,504 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Hello :)

    I've had a read of your diary and wanted to say good luck with your MFW journey. I'm another one that uses cashback and survey payments to make small OP's throughout the month. I enjoyed reading about your trips too. Where next on the agenda?

    BW
  • BookWorm
    BookWorm Posts: 2,504 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Sounds great! Look forward to hearing all about it. Have you used Air B&B before?
  • BookWorm
    BookWorm Posts: 2,504 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    I'm sure it will be fine :) Will be curious to hear your thoughts afterwards

    :T well done on the competitions wins - I suck at that comp... but keep trying :p

    Also good news re: your unexpected money coming back. Always a nice event when something like that happens.

    Fingers crossed you get the payrise!
  • Luckyinlife
    Luckyinlife Posts: 1,613 Forumite
    well done on hitting 4k savings :] is this like a EF for you ?

    Great ltv of 60% as well good luck hope you can do it
    Mortgage--- [STRIKE]£67700 March 15[/STRIKE] [STRIKE]£65221 April 15[/STRIKE] [STRIKE]£64983 July 15[/STRIKE] [STRIKE]£64780 sept 15[/STRIKE] Remortgage [STRIKE]£67295 oct 15[/STRIKE] [STRIKE]£66599 Nov 15[/STRIKE] [STRIKE]£65878.73 Dec 15[/STRIKE][STRIKE] £64834 1st Jan 16[/STRIKE] [STRIKE]Feb 16 £64,511.89[/STRIKE][STRIKE] March 16 £64,056.40[/STRIKE] [STRIKE]April 16 £62550[/STRIKE] [STRIKE]May 16 £62,396.20[/STRIKE] Feb 17 £60.800
    Emergency fund 23k
  • sarahevie1
    sarahevie1 Posts: 630 Forumite
    Sixth Anniversary 500 Posts Combo Breaker Mortgage-free Glee!
    Hope the payrise is correct, that would be great :)
    HOME
    Original mortgage free date Nov 2037
    Mortgage free August 2018
    Additional properties
    Mortgage 1 £108,000
    Mortgage 2 £45,000
    Teacher pension - DB scheme
    LGPS pension - DB scheme
  • jodles16
    jodles16 Posts: 1,477 Forumite
    Car Insurance Carver!
    Hi Velocity Girl! Love the name! Seems your doing really well, its always hard to try and figure out what to do, buy bigger, pay it all off, go on holidays etc, it seems to me that this is very normal! Its important to live as well as pay it off, holidays are a great way to balance this out!

    Best of luck!

    Jodles :D
    MFW2020 #115 250/3000 J-250
    1% challenge- /1525
    Save 1k in 2020- /3000

    Joining in UberFrugalMonthChallenge set up by the Frugalwoods!
  • SuperSecretSquirrel
    SuperSecretSquirrel Posts: 1,059 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Any jobs going at your place velocity? :D Eternal pay freeze and no bonuses where I work!

    I think you're striking a great balance between sensible and fun - keep doing what you're doing! :)
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    So come on, bathroom update please 😃
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
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