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misstara's debt diary 2018
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Super quick post before bed - a rather draining day at work but at least it was a NSD
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 -
Does your sig need updating?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 -
I've updated it today INOD
. Paid the £3 bank account reward to the debt taking the new flat debt to 80% paid off :T
Another NSD today
and managed a walk in the sunshine, very cold though.
Did some browsing online for Christmas shopping, plan to go into town at some point over the next week.
Chatted to my sister this evening and we were discussing going to visit family who live abroad next year so better get saving. First step is to save enough to renew my passport
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 -
Another NSD to report
. 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 -
Congratulations on the 80% milestone!
That must feel really good :-)0 -
That last 20% will evaporate esp if you do it 1% at a time.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 Boodedoo and INOD - it won't be long now until it's paid off

NSD again today other than 55p on throat sweets. My throat feels like I'm swallowing glass
so looks like I'm coming down with the lurgy again. 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 -
Feeling pretty rubbish so away to jump into bed. Went to my friends after work which was lovely so not long home. It's been another NSD but will def need to spend tomorrow as out of a few things.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 -
A very spendy day today, too tired to update with spends but will do it tomorrow.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 -
Ok so spends from yesterday - a whopping £63.86 on food (for the next 2 weeks as we don't plan going food shopping again apart from bread, milk, etc until just before Christmas), £56.75 on presents and £25 on petrol.
Today has been a NSD
and I've had a lovely relaxed day with OH. We went a walk around the park this morning, cooked a yummy roast for tea and watched a film this evening. 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
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