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misstara's debt diary 2018

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  • misstara
    misstara Posts: 4,285
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Forumite
    Super quick post before bed - a rather draining day at work but at least it was a NSD :D
    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 🥳)
  • 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#latest
  • misstara
    misstara Posts: 4,285
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Forumite
    I've updated it today INOD :D. Paid the £3 bank account reward to the debt taking the new flat debt to 80% paid off :T

    Another NSD today :D 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 🥳)
  • misstara
    misstara Posts: 4,285
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Forumite
    Another NSD to report :D.
    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 🥳)
  • Boodedoo
    Boodedoo Posts: 528
    Part of the Furniture 500 Posts Combo Breaker
    Forumite
    Congratulations on the 80% milestone!
    That must feel really good :-)
  • 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#latest
  • misstara
    misstara Posts: 4,285
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Forumite
    Thanks Boodedoo and INOD - it won't be long now until it's paid off :D

    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 🥳)
  • misstara
    misstara Posts: 4,285
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Forumite
    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 🥳)
  • misstara
    misstara Posts: 4,285
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Forumite
    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 🥳)
  • misstara
    misstara Posts: 4,285
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Forumite
    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 :D 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 🥳)
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