Mortgage free by 2023 (!)

SandyShores

I love a wander at the shops, and its so much less stressful when you're not actually shopping for something in particular.  

debtfreeoneday

It was a really nice wander. Managed to pick up some thermal base layer bottoms for DS that were reduced by over £20 to £2.99. Few sizes up but at that price I can put them away for a winter or so. 

Did succumb to some books for each child but they were totally worth it.  I got 6 for £19.99 but they are selling individually on Amazon for £9.99 so I’m at peace with that purchase. 

Picked up a bonus receipt at M&S the previous person left on the till. All adds up!  

I think our tree might make an appearance today. Lots of people seem to be putting it up super early this year which is so nice to see. 

Off to work out the monthly scores on the doors now. 

debtfreeoneday

November figures:

Goals for 2022

OP £6.65 /  £3000

SAVE £0 / £1000

EARN £96.75 / £1750

Clear sofa balance £86.99 / £626

Amazon vouchers - £18

Nectar points - £22.06

Mortgage balance - £53,802.47

Mortgage percentage left to pay - 22%

84 months left 

debtfreeoneday

Bumper free money day. 

Reached payout on YouGov so £50 requested. 

Completed a mystery shopping assignment so £35 on the way. 

Reached payout on Ipsos - £5 requested and in my Amazon account. 

Regular OP of £1.56 (rounding up) made to the mortgage and I’ve just sent over another £2.48 left over from the phone bill pot. 

Settee fund up to £89.99 / £642.80 (updated settlement figure as I rang up to get the accurate amount). Will add the £50 / £35 to this pot when they hit the bank account making this   £174.99. That leaves me £467.81. We have had to unfortunately cancel a planned break which will bring in a refund of £449 so when that hits I’ll only need £18.81 which I’ll find from somewhere so really hopeful that debt (even if it is interest free) will be gone by the end of 2021. 

South_coast

Excellent work! Sorry about your break though 🙁

Karmacat

South_coast said:

Excellent work! Sorry about your break though 🙁

From me too ... everything is so up in the air again ... 

debtfreeoneday

Yeah. It feels a bit strange at the moment but no point spending money if it’s going to be totally restricted and strange. Would rather have the money in our pockets. Was naughty though and treated DH and myself to new dressing gowns. Our current ones are about 13 years old so we figured a new one would be a nice treat. 

Cashed in £2 from store rewards and £5.51 on prolific. Also had a refund from Mr T for some dodgy oranges so settee fund up to £97.99 and a further OP of £2.44 sent over tonight. 

debtfreeoneday

Bit of cashback in this morning so settee fund to to £100.  Have 79p sitting to go to the mortgage but I’ll give them a rest day from my minuscule OPs. 😂

still trying to get £50 from YouGov paid. They are having problems processing payments so who knows when I’ll get that.  The holiday refund is processing so super hopeful that will be in the bank by the end of the week. 

debtfreeoneday

Pretty chuffed to have lost 12lbs in November. Aiming for 7 pounds in December. You know Christmas and all that. 😂

debtfreeoneday

Finally got payout instigated with YouGov and they gave me 100 points to say sorry for the hassle. £50 on the way in the next 2 weeks. 

£1.71 cashback requested to the bank account. 

£1.80 saved through checkout smart. 

Signed up for Mr T Christmas saver so all the vouchers come in time for next Christmas. 

Holiday refund through so settee fund up to £549.03.  

Having a debate with the mystery shop place who aren’t going to pay my reward for the assignment I did but still pursing that. 

Having a quiet day in front of the fire clocking up surveys when they come through and reading a book. Not that productive but did a 3 mile walk with the fam earlier so enjoying the R&R.