Had a mortgage too long - it's going, going, gone!

Luckyinlife

Minus your EF :] as im sure when it gets down to 15-20 your savings will be more so ull pay it of with ef heehe :]

nice figures mine are more modus Min Op per month to hit my target of 8-10 years in £350 + normal payment so around £650 a month i need to hit

All we can do ali is try our best :]

debtfreeoneday

Sounds a lot of thinking going on in here! Hope you are ok - happy weekend!

Ali-OK

Well that's the weekend almost over and not too much damage to the budget.

Opticians on Saturday was an eye opener (pardon the pun ) vision suddenly back to being able to see the bottom row of letters - first time in 2 years :j but no advance on driving situation Some new drops and a spend of £12.60 and back in 6 months. Changing right eye power and free lenses being sent in post from them once in stock to try (I buy mine online). Free car parking too.

Took DS to see Spectre (or Sceptre as I've been calling it :rotfl:) and used up his free ticket, which the counter guy used against the adult ticket, so paid £6.20 total

Meals from stocks, usual housey bits done. Mate popped over and chainsawed the hedge back into shape. DS done his homework without prompting.

Feeling quite down today, worrying about everything and lost motivation for SE. Can see a pattern that has run through my life so am making notes for CBT lady on Wednesday. It's nothing in comparison to the tragic events of Friday night though

Meanwhile, I've allocated a safe, rather than challenging amount, of £850 to the mortgage for December - a £205 OP. When I think back to this time 2 years ago, I wasn't paying any of the capital (and hadn't done since I left work in 2009 ), and still hitting the debt hard. Next month will see me hit £20k paid off and only slightly behind the 11 year plan by £120. Might have to find that from somewhere :rotfl:

shangaijimmy

Give it 2 months and i bet you'll be slightly ahead of the 11 yr target...!

Luckyinlife

Nice allocation Ali Big amount of money that we both know you will find that £120 now its in your mind hehe

Ali-OK

I just might have changed it to £970....£1 ahead of the 11 yr target!! (2 down, 9 to go...) :rotfl:

Let's see if rest of month pans out as predicted...will be ok if so

debtfreeoneday

Another lady doing awesomely paying off debt - well done!

Ali-OK

Thanks DFOD, was a sense of freedom and loss all in one go when the debt had gone. Having the MFW journey already on the go was definitely a positive for continued focus and the long awaited garden make over finally became a reality. I also think the extension could be way over the original loose budget (if it gets PP) so in all probability it'll stay an idea for a good while...needs a lottery win!

Now I need to find an extra £21...to get to £112,999 and be £1k behind you . It's not much, but it is when I'm already challenging the budget with the aforementioned £120! And a short December, probably quieter Jan/Feb too.. the change bucket might be where I can find additional.

Opted to do an early weekly food shop tonight as out of a few basic needed things. Spent £27.26.

Sbugs double up starts tomorrow (18-24th), annoying they're not doing it on frozen desserts again this year, but they are on clothes and DS needs stuff, so will aim to get up there one evening.

Financials then:
- bank accounts checked
- freepostcode lottery checked (but keeps being really late with emails)
- Inbox £s at £11.94
- Qmee - 72p

Hope everyone's staying safe in these high winds, I've rescued the watering can that flew across the garden taking a ton of pansy heads with it.

debtfreeoneday

The weather isn't too bad down here on the South Coast, but sounds dreadful oop norf! Stay safe!

Luckyinlife

Bins have been flying around here iv had to stop the car twice yesterday to put bins off the road into people gardens lol

£21 dont sound much but when your doing loads of other things it all adds up and gets harder and harder to find

you got the x-mas decs up yet ali :]