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ATB'S Frugal Foray to Freedom

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  • Jessy103
    Jessy103 Posts: 2,250 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Hope you enjoyed your break apart from the spending money bit!!
    I hope your OHs bill gets paid soon! I used to work in accounts so I know all about having to constantly call people, sending them 7 day letters, then on stop letters and then finally solicitors letters! It's so frustrating, I felt like screaming down the phone "Just pay your bloody bill!!!"
    Good luck in getting in the 138s!!
    Jess x
    Mortgage Balance as of July 2025 £14,900.
    Starting Mortgage Balance (June 2019) £72,000.
    Aiming to be mortgage free by my 40th birthday, June 2026!
  • Gosh I don't know where time is going.

    Real life has been incredibly busy and stressful these past few days, mainly around financial issues with non-payment of the very large invoice for DH business. I have, however, overpaid the mortgage by £40 this morning - I must keep momentum flowing.

    I promise to be posting more again once this issue is resolved - it is taking up too much headspace at present x
    MFW :)
    [STRIKE]Mortgage 8.2.15 - [/STRIKE][STRIKE]£171,064.64[/STRIKE] Mortgage 1.5.2018 - £99,980.45
    Aiming to be MF 1.10.2020
  • Good morning all,

    I've missed my diary over this past fortnight, I need to keep posting regularly to spur me on :)

    DH non-payer issue rumbles on. I have decided now to not bother counting that money in my plans so when it does turn up it will be a very welcome boost. Solicitor friend will get involved if needs be...

    I drew out £10 yesterday which needs to last me all week - so far so good, only £1 spend yesterday. If I can stick to this approach this week and next we will have a decent chunk of the housekeeping money to OP at the end of the month.

    Must get some more bits on eBay today.

    ATB x
    MFW :)
    [STRIKE]Mortgage 8.2.15 - [/STRIKE][STRIKE]£171,064.64[/STRIKE] Mortgage 1.5.2018 - £99,980.45
    Aiming to be MF 1.10.2020
  • Lovely day so far. Been volunteering this morning, picked up some dog food and came home and cracked on with the laundry.

    Made a pleasing OP earlier which sees us into the next 1000s, i.e. the 38s. I am already annoyed with being in the 30s though and want to be in the 20s! On that note, I best get listing on ebay!

    I have paid off an old Next account today, which I had pretty much forgotten about. I am annoyed at myself as there was still a small balance on it, which I have been changed a crazy interest rate on. Anyway, it has been cleared today and I will send them a letter at the end of the week asking to close it.

    I have been offered a small amount of freelancing work this week, it would be an extra £200 in the OP pot so I have said yes.
    MFW :)
    [STRIKE]Mortgage 8.2.15 - [/STRIKE][STRIKE]£171,064.64[/STRIKE] Mortgage 1.5.2018 - £99,980.45
    Aiming to be MF 1.10.2020
  • jodles16
    jodles16 Posts: 1,477 Forumite
    Car Insurance Carver!
    ATB you are an inspiration!! Best of luck with your rather large but attainable from the sounds of it OP target! I have no doubt you will do an amazing job!

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

    Joining in UberFrugalMonthChallenge set up by the Frugalwoods!
  • Well done ATB, you're making great strides in your MF journey!
    2022 Target - Reduce new mortgage balance after house move - Part 1 (Ported) Starting balance £39,982.12 currently £37,242.19 Part 2 Starting Balance £101,997.88 currently £96,197.38 (as at 19/04/2022)
  • Thank you for popping in Jodles and Needhelpsaving xx

    I listed a large toy item on Gumtree last night and it has already sold. So that is £30 in the pot - it is being collected tomorrow and I will pay in the money and OP it straight away. I am going to list two bits on ebay today - if they net me £50 I will be happy. We need to find approximately £400 in the next two weeks to get us on track and into the 37s by 2nd December. Half of that will be my freelancing money, which I hope comes through in time.

    I have a big bag of odds and sods to drop at the charity shop later, and must go and return my library book and take out a new one.

    Have lovely days all x
    MFW :)
    [STRIKE]Mortgage 8.2.15 - [/STRIKE][STRIKE]£171,064.64[/STRIKE] Mortgage 1.5.2018 - £99,980.45
    Aiming to be MF 1.10.2020
  • Totally with you on the whole 130's, 120's mindset. Since i went into the 110's, all i've done is look ahead to when i'll be in the 100's! And it seems to be going so slow! I know i should look at £5k brackets, but they're not ask motivating!!
    MFW: Was: £136,000.......Now: £47,736.58......
  • Two ebay bits listed, and one sold immediately with the buy it now price of £30 :) That has been withdrawn and immediately OP'd. That is £30 I will never, EVER, pay interest on again. Boom x
    MFW :)
    [STRIKE]Mortgage 8.2.15 - [/STRIKE][STRIKE]£171,064.64[/STRIKE] Mortgage 1.5.2018 - £99,980.45
    Aiming to be MF 1.10.2020
  • Jessy103
    Jessy103 Posts: 2,250 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Well done!!
    Mortgage Balance as of July 2025 £14,900.
    Starting Mortgage Balance (June 2019) £72,000.
    Aiming to be mortgage free by my 40th birthday, June 2026!
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