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I also have a diary on this forum - it started out as a mortgage wannabe (saving for a house deposit), but we bought our house in mid Dec so perhaps I need to change the title... We're now trying to save to pay off our mortgage - we're aiming for mortgage neutrality rather than mortgage free by saving the mortgage "OPs" into stocks and shares. Actually, that's a complete and utter lie as I've not actually got round to setting up S&S ISAs and LISAs yet - but it is on my To Do list for January
As some other people have already mentioned, this is quite a quiet forum board so if you have any specific questions that you want a large number of views on then it is worth posting on the appropriate board (probably mortgage free wannabe for you).
MFiT-T5 (Jan 2019 - Jan 2022) challenge #99: £18,946.02 / £30,000
Initial MF date (18th Dec 2018): Jan 2054 Current MF date: Jan 2051
Last updated: 30/11/2020
MFiT-T5 (Jan 2019 - Jan 2022) challenge #99: £18,946.02 / £30,000
Initial MF date (18th Dec 2018): Jan 2054 Current MF date: Jan 2051
Last updated: 30/11/2020
A spendy week with another £50 gone on shopping but pretty much done for the year on the non-perishables.
DH car insurance came to £250 for the year with £35 cashback, which seems high as its only a 1.6 Vitara but the cheapest we could find, least they don't charge for changing vehicles as he gets a new car every 6 months ( he sees it as a perk of the job I see it as a hassle)
Moved £300 into the emergency fund (Feb/March council tax payment) moved it now just so it feels like ive actually started this year, so far money only flowed out not in, Its just such a drag between paydays.
Being stocked up on non-perishables for the year is very impressive, I'm definitely not organised enough for that (plus, between a clumsy me, a destructive cat and a husband who hates "mess" I'm fairly sure at least some of it would be damaged!)
MFiT-T5 (Jan 2019 - Jan 2022) challenge #99: £18,946.02 / £30,000
Initial MF date (18th Dec 2018): Jan 2054 Current MF date: Jan 2051
Last updated: 30/11/2020
Weight 07/02/2021:92.5kg - YTD: -4kg, Trips to tip: 02/52 - Rooms Painted: 0/4 - Jan Steps (L:Av:H): (463:2767:9366)
Debt 07/02/2021:£107.5K -- YTD:[email protected]%:£1933/£12299 - Mortgage Neutral:£3.3K/£101K - EF:£2.9K/£10K
Total Debt Reduction 2016:£13.4K 2017:£8.3K 2018:£20K 2019:£16K 2020:£37.5K 2021 Net YTD(01/02/21): £8.8K
I wasn't very smart with our money in our younger years or i'd basically be living for free by now
You are vvv smart.:money::money:
Saving change in money box.
Out of my Children he's the one that doesn't like to borrow and is the stickler for paying money back so I will get £100 a week without issue, annoying thing is he already has another insured car that is currently sat in bits as it is/was a rolling restoration project. when I say sat in bits I really mean it the body is tarped up on my mothers driveway and the chassis is in the garage having just been welded and painted I think the referbed wheels are currently in his bedroom :mad: the lads a packrat
The other couple of hundred has been earmarked for some jobs in the front garden as DH and I have next week off work if the weather plays ball we can make some good strides in the garden as we have already started the next project on the side return.
Saving change in money box.