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A Journey of Many Pounds Starts With a Single Penny

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Comments

  • Yesterday was a NSD.


    I've had another substantial lottery win of £2.90:rotfl: so that will be £1 to each of the pots when it hits my account.
    It's a small step closer to MF.
    MortgageStart Nov 2012 £310,000
    Oct 2022 £143,277.74
    Reduction £166,722.26
    OriginalEnd Sept 2034 / Current official end Apr 2032 (but I have a cunning plan...)
    2022 MFW #78 £10200/£12000
    MFiT-6 #28 £21,772 /£75000
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    Every penny helps!
    MFiT-T4 Member No. 96 - 2022 is my MF goal :D
    Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
    Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T
  • brizzledfw wrote: »
    Every penny helps!

    It certainly does:rotfl:
    MortgageStart Nov 2012 £310,000
    Oct 2022 £143,277.74
    Reduction £166,722.26
    OriginalEnd Sept 2034 / Current official end Apr 2032 (but I have a cunning plan...)
    2022 MFW #78 £10200/£12000
    MFiT-6 #28 £21,772 /£75000
  • pawlala
    pawlala Posts: 1,433 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    LadyGnome wrote: »
    Yesterday was a NSD.


    I've had another substantial lottery win of £2.90:rotfl: so that will be £1 to each of the pots when it hits my account.
    It's a small step closer to MF.
    haha I just diarised an overpayment that totals my two recent 4sda APG's. A little over £3 :D
  • LadyGnome
    LadyGnome Posts: 801 Forumite
    Ninth Anniversary 500 Posts Name Dropper Combo Breaker
    pawlala wrote: »
    haha I just diarised an overpayment that totals my two recent 4sda APG's. A little over £3 :D

    This is why I love this board, I feel totally normal here:rotfl:

    I had a quiet weekend which is just as well as my current account is looking very bare. Roll on payday on Wednesday. However, Mr Gnome has given me some money to pay a bill and included a contribution for the pots too. So there will be an extra £20 for each pot on payday.
    MortgageStart Nov 2012 £310,000
    Oct 2022 £143,277.74
    Reduction £166,722.26
    OriginalEnd Sept 2034 / Current official end Apr 2032 (but I have a cunning plan...)
    2022 MFW #78 £10200/£12000
    MFiT-6 #28 £21,772 /£75000
  • LadyGnome
    LadyGnome Posts: 801 Forumite
    Ninth Anniversary 500 Posts Name Dropper Combo Breaker
    Payday yesterday. I haven't done the full money shuffle but I have sent £316 to the mortgage which is my standard OP of £230 + £65 share of CT +£20 from Mr Gnome + £1 share of lottery win.


    This month has been a really good one, I don't think Feb will be quite as impressive.
    MortgageStart Nov 2012 £310,000
    Oct 2022 £143,277.74
    Reduction £166,722.26
    OriginalEnd Sept 2034 / Current official end Apr 2032 (but I have a cunning plan...)
    2022 MFW #78 £10200/£12000
    MFiT-6 #28 £21,772 /£75000
  • LadyGnome
    LadyGnome Posts: 801 Forumite
    Ninth Anniversary 500 Posts Name Dropper Combo Breaker
    The money shuffle has now been done. I need to update my signature later to show the end of Jan mortgage figure.

    A key task has been completed - My Tax Return is DONE and the tax is PAID:T No £100 fine for me.
    The tax owing came to a bit less than I had budgeted (I tend to put a bit extra away just in case) so I will be splitting the surplus of my HMRC savings account between the pots. It will be about £70 for each pot.

    MSE action
    Batch cooked my lunches for the next week. I actually made 9 meals so that is most of next week too.
    MortgageStart Nov 2012 £310,000
    Oct 2022 £143,277.74
    Reduction £166,722.26
    OriginalEnd Sept 2034 / Current official end Apr 2032 (but I have a cunning plan...)
    2022 MFW #78 £10200/£12000
    MFiT-6 #28 £21,772 /£75000
  • LadyGnome
    LadyGnome Posts: 801 Forumite
    Ninth Anniversary 500 Posts Name Dropper Combo Breaker
    I had a letter from the BS yesterday lowering my mortgage payment as I had overpaid by more than £500 in Jan. I have told them to keep the payment the same and shorten the term so hopefully I will have knocked a few days off!:)
    MortgageStart Nov 2012 £310,000
    Oct 2022 £143,277.74
    Reduction £166,722.26
    OriginalEnd Sept 2034 / Current official end Apr 2032 (but I have a cunning plan...)
    2022 MFW #78 £10200/£12000
    MFiT-6 #28 £21,772 /£75000
  • LadyGnome
    LadyGnome Posts: 801 Forumite
    Ninth Anniversary 500 Posts Name Dropper Combo Breaker
    Shuffled the spare money in the HMRC savings account to the pots today so another £70 of the mortgage.
    MortgageStart Nov 2012 £310,000
    Oct 2022 £143,277.74
    Reduction £166,722.26
    OriginalEnd Sept 2034 / Current official end Apr 2032 (but I have a cunning plan...)
    2022 MFW #78 £10200/£12000
    MFiT-6 #28 £21,772 /£75000
  • LadyGnome
    LadyGnome Posts: 801 Forumite
    Ninth Anniversary 500 Posts Name Dropper Combo Breaker
    £25 win on the lottery yesterday. I don't play the lottery on a Wed but I had won a lucky dip last Sat. So another £8.50 for each pot when the money hits my account.
    MortgageStart Nov 2012 £310,000
    Oct 2022 £143,277.74
    Reduction £166,722.26
    OriginalEnd Sept 2034 / Current official end Apr 2032 (but I have a cunning plan...)
    2022 MFW #78 £10200/£12000
    MFiT-6 #28 £21,772 /£75000
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