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Plodding determinedly up a 300k mountain!

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  • Secret_Saving_Squirrel
    Secret_Saving_Squirrel Posts: 4,138 Forumite
    Mortgage-free Glee!
    Well done for all you have achieved this year.
    Paid off mortgage nine years early in 2013. Now picking and choosing our work to fit in with the rest of our lives!
    Still thrifty though, after all these years:D
  • beanielou
    beanielou Posts: 95,520 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Good news on quick MRI appointment.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Kittenkirst
    Kittenkirst Posts: 2,468 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    What fantastic numbers you have there Michelle! Loving the sound of your christmas reindeer planter too- what a bargain!
    First home- Oct’16 until June’21: £170.995- Overpayments made £13,784 (25% extra!).
    New forever home- Sep’21 £309,449 @ 2.05%. Plan to clear it before 30 years!!!!!!
  • Goldiegirl
    Goldiegirl Posts: 8,806 Forumite
    Part of the Furniture 1,000 Posts Rampant Recycler Hung up my suit!
    Hi, just been reading your diary. You have achieved a lot this year, well done. I think your kitchen will be installed in a few weeks, so a lot of excitement to come!

    Sorry your foot isn't healing, must be very frustrating
    Early retired - 18th December 2014
    If your dreams don't scare you, they're not big enough
  • greent
    greent Posts: 10,756 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Fab achievements :)
    Happy New Year!
    x
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NIL
    Net sales 2024: £20
  • michelle09
    michelle09 Posts: 912 Forumite
    Eighth Anniversary 500 Posts Name Dropper
    Thanks everyone!

    KittenKirst - it's adorable, I'm so fond of it. I was slightly tempted to go back and get a few more, have my own collection of reindeer planters. :)

    Christmas tree has been successfully planted back into the garden, pruned a few branches from the bottom so the rain can get to it. Also picked up some wrapping paper at 50p/roll on the way to work yesterday. Some is obviously Christmassy, but some isn't which is lovely.

    Had 2 hours of tuition last night and a student has come out of the woodwork for 2 more hours on Sunday, which is a good start to the year.

    Updated EDF with our meter readings this morning and our actual reading for today was less than their estimated reading from the beginning of December. So we have no electricity bill this month and it has wiped most of our gas bill too. Only paying £14 for gas/electricity in December which was perfect for this month.

    Mortgage day yesterday, the only overpayments I'm making for the next couple of months while we finish repairs, is rounding to the nearest whole number. Which this month was.... £1.32. :rotfl:

    Current Balance: £246,700.00
    Kitchen Savings: £10,500/£13,000
  • daisy_1571
    daisy_1571 Posts: 2,095 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    michelle09 wrote: »
    Thanks everyone!

    KittenKirst - it's adorable, I'm so fond of it. I was slightly tempted to go back and get a few more, have my own collection of reindeer planters. :)[/B]

    Would that be a herd ?

    Daisy xx
    22: 3🏅 4⭐ 23: 5🏅 6 ⭐ 24 1🏅 2⭐ 25 🏅 🥈 Never save something for a special occasion. Every day is a special occasion. The diff between what you were yesterday and what you will be tomorrow is what you do today Well organised clutter is still clutter - Joshua Becker If you aren't already using something you won't start using it more by shoving it in a cupboard- AJMoney The barrier standing between you & what youre truly capable of isnt lack of info, ideas or techniques. The secret is 'do it'
  • try_harder
    try_harder Posts: 1,532 Forumite
    Tenth Anniversary 1,000 Posts Combo Breaker
    You sure have done amazingly well over the last year well done .
  • greent
    greent Posts: 10,756 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Great result with the gas and electricity! :)
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NIL
    Net sales 2024: £20
  • michelle09
    michelle09 Posts: 912 Forumite
    Eighth Anniversary 500 Posts Name Dropper
    A herd works. :D Sadly, no more were left in Asda when we went this morning (OH didn't seem as disappointed as I was hoping for).

    Tomorrow's student has asked for three hours, which is a nice surprise.

    Been a slightly expensive day - paid the CC bill, my tax bill for 2016-17, the (nice and small) gas/electric bill. So at least my to do list is clearing. Also, exploited the Hotel Chocolat 50% off sale. OH loves their stuff, has a birthday in a few weeks, and doesn't mind if birthday comes in a Christmas theme. Plus it's currently on 10% cashback on TCB so it's down to 45% of the original price so I don't mind buying some.

    Got a meeting at a university on Monday, while it's not an interview, this may actually be more important so now curled up with the cat on the sofa and some journals to revise from. Got to look perfectly professional, dedicated and very smart. No pressure!

    Current Balance: £246,700.00
    Kitchen Savings: £13,000/£13,000
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