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ATB'S Frugal Foray to Freedom

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Comments

  • Jessy103
    Jessy103 Posts: 2,250 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Don't be sorry for being gloomy, we all have our bad days! Hope you sleep better tonight and DS is feeling better soon!
    Take care
    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!
  • Katzen
    Katzen Posts: 535 Forumite
    Uniform Washer
    None of it's great but I'm sure it would seem a good bit more manageable if you'd slept. Fingers crossed DS gets better soon and his op goes well
    Mortgage Outstanding Nov '16 £142,772.75
    Mortgage Additional OPs 2017 Target £4522.80/ Actual £865.00
    GC Feb 0/£200
  • Watty1
    Watty1 Posts: 6,866 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Hope you have a goodnight sleep tonight. Sorry the money worries rattle on - but - here is the thing - you have an ambitious plan and you will get there! I know this - no emoji for sprinkles of fairy dust but I'm sure there is one somewhere.
    Hang in there
    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
  • Just a quick post to say I am still here, just reading rather than posting :) All of my efforts at the moment are on Christmas prep, giving the house the Flylady treatment, submitting court papers in relation to our non-payer :( and trying to keep an ATB smile on my face too :)

    DS operation went well and he was back to his mischievous self in no time.

    I have made some tiny OPs recently, enough to take us into the 137s with our standard monthly payment, and have switched gas and elec supplier saving £30 a month. Oh, and cancelled Netflix too.

    Monday is money day, I need to take a long hard look at everything, so should have something good to report then. Still feeling positive :)

    Best wishes,
    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
  • Katzen
    Katzen Posts: 535 Forumite
    Uniform Washer
    Hi ATB, glad all is going well for you, even if it is a bit busy! Well done on all your MSE saving stuff this week, it's mad when you see how much that odd subscription adds up each month, and then how much difference it makes if you can OP it. Isn't it? Hope the court stuff goes your way without too much hassle.
    Mortgage Outstanding Nov '16 £142,772.75
    Mortgage Additional OPs 2017 Target £4522.80/ Actual £865.00
    GC Feb 0/£200
  • Jessy103
    Jessy103 Posts: 2,250 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Pleased to hear DS is ok and back to being a little monkey! Hope you get that awful non payer sorted soon!
    Looking forward to your report!
    Take care
    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!
  • Good Afternoon all :)

    Gosh, I have been a rubbish diarist lately. I have been swept along with all of the Christmas bits and pieces going on at school and pre-school, and have also been busy getting the house straight. Which seems like a never ending task a lot of the time!

    But I am still OPing, still on track and still being frugal :) I have to admit, I have sinned, when I was really really down a few weeks ago I bought some things from V*ry online. It didn't cheer me up, in fact I felt even more rubbish afterwards, so I am paying it off this week and closing the account. Also received confirmation in the post that my Next account has been closed, happy days.

    There is still every chance we will succeed at my hair-brained challenge. God loves a trier at any rate!

    Best wishes to you all,
    ATB xx
    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 with being frugal and overpaying! I wouldn't worry about your blip with Very, we all have those moments! I agree about feeling worse after because I think you plonker that money could have gone on an overpayment!!

    Take care
    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!
  • Love the diary ATB! Hope the unpaid invoice gets settled soon to relieve some stress for you. I'm subscribing and will cheer you along. I'm just in the process of remortgaging at the moment, which will knock 8 years off our mortgage whilst keeping payments the same!! Result!!
  • I too am loving your diary - it is a great source of inspiration. Keep going on your journey and don't worry about the V*ry purchase - its called being human!
    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)
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