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Setmefree's Diary: MFi5 journey
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Good morning!0
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ds made me smile today in his little rain suit (will post pic on my thread) was a ray of sunshine in the gray, irksome weather!
don't look at the news - it will only depress you! I'm not listening to any more reports about how bad the financial situation is, going to put my fingers in my ears 'la, la, la,la'. Do you think that's good MSE advice? lol.0 -
'la la la la' ... I'm with you!Currently studying for a Diploma - wish me luck
Phase 1 - Emergency Fund - Complete :j
Phase 2 - £20,000 Mortgage Fund - Underway0 -
La LA ...what? Sorry - can't hear you, I've got my fingers in my ears...! :rotfl:🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her0 -
setmefree2 wrote: »I think I'm becoming an energy use nerd:rotfl:
Ooooooh Nooooooo surely not. :money:
More making it an art form.
You are doing absolutely brilliantly.No longer half of Optimisticpair
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Just logged into mortgage account and interest per day has fallen below the £20 peer day mark - it's £19.63, so another milestone reached:D:j:j
Read the gas meter this morning and we are using about 19kwh per day of Gas (hot water & heating). Our use for this qtr is averagely in the region of 66kwh per day. Our heating is coming on for a short while in the morning at the mo, but our house seems to be warming up well during the day, so it hasn't yet come on in the evening.
All The Best
SMF20 -
Good news on energy consumption, we're just waiting for our next electricity bill hopefully it will come down as we've been much more careful about what we use.0
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Hi all:hello:
We are just plodding along at the moment:D Made an OP of £1000 again this month :jand we now owe £127,832.
Had a NSM (no spend month) on books for myself but spent quite abit on GCSE revision books for my eldest:rolleyes:. Had a NSM on clothes for myself but spent lots on the kids - new coats, PJs, slippers etc:rolleyes: The electricty and gas consumption is still going well and am still down a third on both electricity and gas use:j
The car got through its MOT and is chugging along OK.
I haven't started my Christmas shopping yet but I have the money saved for it tucked away in Northern Rock. I'm going to try and make sure that as much of it as possible gets spent in British Stores:D
All The Best everyone.
SMF2
I've updated Page one0 -
woohoo!!:j finally found your thread!! don't know why it has taken so long...must be the eyesight at my age:D
wow...what an incredible amount you have achieved....i am in awe!!!
have subscribed now so will be able to find again....will be looking at my energy usage when i finally manage to switch suppliers...can't get a bill at the moment because they changed my meter in june and still haven't confirmed the final numbers with my supplier!!!:eek: :mad: i think i will wait another couple of days and then i will send them a bill with the amount of cash i have lost by being with my current supplier because of them....perhaps that will make them shift their butts....:rotfl:0
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