Well done on all that you've achieved despite family and pet illness. Happy New Year!
Target 1) Clear CC debt - SUCCESS 13/4/22 Target 2) Lose weight & get fit 3) Write regularly 3811342714/70000 words Book 2 4) Develop passive income streams 5) Get to £3K EF 6) Declutter 7) MFW starting at £201999 Nov 21 with 264 258 payments to go. Now £198132. 8) Mortgage neutral progress (via private pension starting value c£3643 Nov 21) extra payments £312 including tax relief
I agree too. The wheatgerm bread has increased from 65p to 95p a loaf over two years and 20p of that is this year. The fancy bread went from £1.60 to £1.80 a loaf too. Just by way of one (bread) example. I also notice the Leicester crisps people whose stock control computer failed, have increased the price for 6 small bags to £1.70 from 2 for £2.50 at the start of 2021. So that is one treat we will dispense with now.
Happy to report that Mrs SJ has already dispensed of several items. In fairness most of those items haven't been the healthiest/greatest option to have, and we haven't missed out or felt deprived!
Hope you can make your OP target, and have you really kept up 10,000 steps every day of the year?? I am extremely impressed!
Whilst someone has asked I will excitedly trot out my stats for the year
I have managed 10k everyday since Christmas Eve 2020, but for my challenge I'm only counting the full calendar year of 2021. 3 days to go (I'm at 8,712 for today as I type) and there's no way I'm failing now. There's been some tricky times with this. A few times I've remembered to check my steps at 10.30 at night and had to venture out in the rain for 10mins to finish off! On one occasion it was after 11.30pm and I jumped out of bed as I'd forgotten the last 500 or so!!
Total steps (so far) - 5,621,159
Daily Average - 15,485
Total Distance - 2,930 miles
MFW: Was: £136,000.......Now: £65,000.00...... Mortgage Neutral Deficit: £46,405.01... Mortgage Neutral Savings: £18,594.99 MFiT-T5 #8 - £20,682 of £23,100 (89.53%)
1% Mortgage Challenge 2021 - £707.85 of £705
Declutter 2022 (minimum of 1 item per day) - 12//365
Oooh, thank you for that! I do love a good fitness (or finance) statistic. Most impressive!! Are you going to do the same again this year?
I'll carry on as it's pretty much engrained as a habit now. I'll be devastated when the day comes that I'll break the 'streak'!! Having dogs really helps as it gives you a starting reason to go out for a walk.
MFW: Was: £136,000.......Now: £65,000.00...... Mortgage Neutral Deficit: £46,405.01... Mortgage Neutral Savings: £18,594.99 MFiT-T5 #8 - £20,682 of £23,100 (89.53%)
1% Mortgage Challenge 2021 - £707.85 of £705
Declutter 2022 (minimum of 1 item per day) - 12//365
Target 1) Clear CC debt - SUCCESS 13/4/22 Target 2) Lose weight & get fit 3) Write regularly 3811342714/70000 words Book 2 4) Develop passive income streams 5) Get to £3K EF 6) Declutter 7) MFW starting at £201999 Nov 21 with 264 258 payments to go. Now £198132. 8) Mortgage neutral progress (via private pension starting value c£3643 Nov 21) extra payments £312 including tax relief
Very in awe of your steps and dedication, SJ! I've become a bit lazy with mine and was very tempted to attach my fitbit to one of the dogs collars so they could do the work for me 😂
Mortgage Balance as of 01/01/22 £51,500
Mortgage Balance as of 31/12/20 £61,000
Mortgage Balance as of 31/12/19 £69,000
Starting Mortgage Balance (June 2019) £72,000
2022 Overpayment Challenge: Jan £361.42, Feb £304.55, March £198.15, April £517.97, May £264.19
Savings Target: £500/£1,200
Replies
Whilst someone has asked I will excitedly trot out my stats for the year
I have managed 10k everyday since Christmas Eve 2020, but for my challenge I'm only counting the full calendar year of 2021. 3 days to go (I'm at 8,712 for today as I type) and there's no way I'm failing now. There's been some tricky times with this. A few times I've remembered to check my steps at 10.30 at night and had to venture out in the rain for 10mins to finish off! On one occasion it was after 11.30pm and I jumped out of bed as I'd forgotten the last 500 or so!!
Mortgage Neutral Deficit: £46,405.01... Mortgage Neutral Savings: £18,594.99
MFiT-T5 #8 - £20,682 of £23,100 (89.53%)
1% Mortgage Challenge 2021 - £707.85 of £705
Declutter 2022 (minimum of 1 item per day) - 12//365
Mortgage Neutral Deficit: £46,405.01... Mortgage Neutral Savings: £18,594.99
MFiT-T5 #8 - £20,682 of £23,100 (89.53%)
1% Mortgage Challenge 2021 - £707.85 of £705
Declutter 2022 (minimum of 1 item per day) - 12//365
With regards to inflation I'm starting to think we will need to be mortgage free just to be able to pay the council tax and energy bills!
Total - £77,284
66 months to go!
Fortune x
Tales from the Shire
All we have to decide is what to do with the time that is given to us - J R R Tolkein
Mortgage Balance as of 31/12/20 £61,000
Mortgage Balance as of 31/12/19 £69,000
Starting Mortgage Balance (June 2019) £72,000
2022 Overpayment Challenge: Jan £361.42, Feb £304.55, March £198.15, April £517.97, May £264.19
Savings Target: £500/£1,200
MFW (01/15) £49,846.76