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Get a grip !
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We are almost there. I was supposed to write Christmas cards tonight but fell asleep!!!!Aiming for a minimal spend 20222
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Rest up, deal with tomorrow and it's done for the rest of the year.Mortgage started 2020, aiming to clear 31/12/2029.2
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Don't worry they will get done. So much pressure around Christmas isn't thereMortgage Aug 2019 161,000 :eek::eek::eek:Nov 2019 156,500:T Jan 2020 153,122:T, Apr 2020 149,500, Apr2021 139, 675, Oct 2021 136,823, Dec 2021 136,120🙂EF 0/12,000 (0%)😕 (5062.44 was ERC), Jan 2023 128,650. Our Mortgage is never going to be as high as it is today. :jOnwards and downwards to a better life for our family. :jJust keep swimming3
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DS has developed a cough but LF was negative. He has done a PCR and result has just come back negative. I’ve just done a LF and that is negative so ok so far! Just hope we all stay negative0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
House sale OCT 2022 = NOW MORTGAGE FREE 🤗
House purchase completed FEB 2023 🥳🍾 Left work. 🤗
Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).
Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1
Living off savings diary
https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p13 -
Have fed the dog & am back in bed with a cup of tea. Had a Text from n wide to say base mortgage rate has gone up so they will be writing to me about any rise in my monthly payment 😕 Shouldn’t be much of a rise at the moment but may be more to come in the new year.
Feeling a bit low this morning. Worried about covid. Worried about testing negative but still maybe taking covid up north to DF. Will be glad when work is over today. Will have a chat with DF tonight & see what happens in next few days. Will be testing again before I go.I have received an Email from lidll with a voucher for £10 off £40 shop. Only valid until 24 December. I am tempted as I could easily get £40 of meat etc for freezer and fill store cupboard with tins etc. However I am isolating until I go to DF just to reduce my risk of catching covid before I go. I also spent most of yesterday shut in the living room away from DS although his PCR came back negative. It’s so close to Christmas now it would be just my luck for us to get it now 🙁0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
House sale OCT 2022 = NOW MORTGAGE FREE 🤗
House purchase completed FEB 2023 🥳🍾 Left work. 🤗
Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).
Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1
Living off savings diary
https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p13 -
I've the same worries and TomBo is LFing each day, I'm waiting until the morning to do mine then will be doing it each day I'm away as I'll be mixing.
Fingers crossed it's just a normal winter bug with DS and your plans work out.
Could GF go and use the voucher for you?Mortgage started 2020, aiming to clear 31/12/2029.2 -
Work is finished for this year 🤗
Have cleaned the bathroom and hoovered the hall stairs & landing to celebrate 😆 Am just having an ice cream 😋& then I will walk the dog. DS & gf are at work.Treated myself to a kfc delivery at lunch time £11.26. Eating fried chicken & typing on a keyboard at same time is not recommended 🤦♀️0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
House sale OCT 2022 = NOW MORTGAGE FREE 🤗
House purchase completed FEB 2023 🥳🍾 Left work. 🤗
Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).
Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1
Living off savings diary
https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p13 -
Well done on finishing work. I dont know how you cleaned up after I just fell asleep!!!! I do hope you dont have it. Fingers crossed.Aiming for a minimal spend 20223
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What better way to end the working year!Mortgage started 2020, aiming to clear 31/12/2029.2
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Lol I think I was euphoric after finishing work SW. 😆 I think lw2go had the best idea MF with a g&t 🍸😂
Feel more relaxed mentally already. Have fed the dog & I am back in bed with a cup of tea. Hopefully I will have a bit more sleep and walk the dog later.Plans for this weekend
-wrap presents.-Go in loft & get a few xmas decs down
-hoover living room & kitchen tiled floor / rug.-Last few items washed & dried outside if the weather is ok
-get packed for going away
-send meter readings online (it’s been really mild & heating has been mostly off during the day)
Will be interested to see if we have used over the £95 a month energy direct debit for December & used any of our credit built up over the summer.All food will be from stores this weekend. I still have
bacon
eggsBeans
bread rolls
raisen wheat cereal
tin pilchards in tom sauce
tin tuna, tin sweetcorn, mayo
tin chickpeas
Peppers, courgettes, onions
wraps, noodles, microwave rice
box of bbq ribs
Frozen = chips, 2 faggots in gravy, chicken breasts, one haddock & cheese fish cake.0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
House sale OCT 2022 = NOW MORTGAGE FREE 🤗
House purchase completed FEB 2023 🥳🍾 Left work. 🤗
Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).
Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1
Living off savings diary
https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p14
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