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misstara's debt diary 2018
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Beautiful weather on Thursday so sat out in the garden after work for a few hours. Yesterday I spent £16.66 in the supermarket and then went for a run. Today looks beautiful again
Got paid £42.39 from 2nd job so £40 to the car fund and £2.39 payment to the debt.Mortgage 26.4.25 - £108,500 1.10.26 - £101,793.04 (6.2% paid)
Mortgage overpayments so far - £1008.83
MOP savings - £34.99/£50
Debt 16.11.25 - £5160 1.11.26 - £3950 (23.4% paid)
Roof savings - £3650/£3650 (100% saved 🥳)0 -
Today has been rather spendy - £110 transferred to my sister for the accommodation, £18.25 on food, £1.20 on a paper, £18.25 on petrol, £6 on toiletries and £28 on entry to a 10k race (not budgeted for but will use money from 2nd job).
Budgets currently look like £110/£250 holiday/social, £34.91/£200 food/toiletries and £18.25/£110 petrol.Mortgage 26.4.25 - £108,500 1.10.26 - £101,793.04 (6.2% paid)
Mortgage overpayments so far - £1008.83
MOP savings - £34.99/£50
Debt 16.11.25 - £5160 1.11.26 - £3950 (23.4% paid)
Roof savings - £3650/£3650 (100% saved 🥳)0 -
Today has been a NSD other than a couple of direct debits. Did some surveys this evening so once the pending balance in PA clears, that will be another £20 to the car fund
Mortgage 26.4.25 - £108,500 1.10.26 - £101,793.04 (6.2% paid)
Mortgage overpayments so far - £1008.83
MOP savings - £34.99/£50
Debt 16.11.25 - £5160 1.11.26 - £3950 (23.4% paid)
Roof savings - £3650/£3650 (100% saved 🥳)0 -
£3 bank account reward went in this morning so that's been paid to the debt Mortgage 26.4.25 - £108,500 1.10.26 - £101,793.04 (6.2% paid)
Mortgage overpayments so far - £1008.83
MOP savings - £34.99/£50
Debt 16.11.25 - £5160 1.11.26 - £3950 (23.4% paid)
Roof savings - £3650/£3650 (100% saved 🥳)0 -
Of course it has. That's why there's under 30% to go June 2026, Mortgage free, Emergency fund fully funded & £200/200 cash maximum pb holding .:jWeight 12st challenge 11st 2lb
Gift to children challenge £40k in 2 years. Short term gift challenge 7 presents and $1300 can by September.
Determined to stop defining myself by my mistakes. Progress not perfection. I’m not perfect but I’m good enough.
https://forums.moneysavingexpert.com/discussion/6673398/hopefully-cruising-with-focus-towards-retirement#latest0 -
Thanks INOD - slowly getting there
Went for a run today and then a drink with a friend (£3.65) and small top up shop of £2.85.Mortgage 26.4.25 - £108,500 1.10.26 - £101,793.04 (6.2% paid)
Mortgage overpayments so far - £1008.83
MOP savings - £34.99/£50
Debt 16.11.25 - £5160 1.11.26 - £3950 (23.4% paid)
Roof savings - £3650/£3650 (100% saved 🥳)0 -
You're doing very well -- slashed your new flat debt since I last checked in. Well done! Rainy day fund — 210/1000 Emergency fund — 1019/1500
Loan — 424/19,224 = 2.2% Fun fund: 1/100 Credit card balance — 00 -
Thanks ABA, my plan is to just have my monthly car payment left by the end of the year.
Today I spent £5.85 on lunch with an old colleague who I was on training with and £5.06 on some stuff for lunches for the next 2 days.Mortgage 26.4.25 - £108,500 1.10.26 - £101,793.04 (6.2% paid)
Mortgage overpayments so far - £1008.83
MOP savings - £34.99/£50
Debt 16.11.25 - £5160 1.11.26 - £3950 (23.4% paid)
Roof savings - £3650/£3650 (100% saved 🥳)0 -
Yesterday was a NSD
Today I spent £10 on a leaving gift for someone at work and £16.77 on food. I'm away from tomorrow until Thursday with my family so that's to keep OH fed. I'm also leaving him £15 of the food budget for any other bits he might need while I'm gone. I probably won't post at all until I'm back so hope everyone has a good week Mortgage 26.4.25 - £108,500 1.10.26 - £101,793.04 (6.2% paid)
Mortgage overpayments so far - £1008.83
MOP savings - £34.99/£50
Debt 16.11.25 - £5160 1.11.26 - £3950 (23.4% paid)
Roof savings - £3650/£3650 (100% saved 🥳)0 -
Enjoy the breakJune 2026, Mortgage free, Emergency fund fully funded & £200/200 cash maximum pb holding .:jWeight 12st challenge 11st 2lb
Gift to children challenge £40k in 2 years. Short term gift challenge 7 presents and $1300 can by September.
Determined to stop defining myself by my mistakes. Progress not perfection. I’m not perfect but I’m good enough.
https://forums.moneysavingexpert.com/discussion/6673398/hopefully-cruising-with-focus-towards-retirement#latest0
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