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misstara's debt diary 2020

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  • beanielou
    beanielou Posts: 95,544 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Great result  :)
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • misstara
    misstara Posts: 3,987 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Thanks beanie :smiley:

    Not much to report - productive few days at work and haven't spent any money :smile:  I managed a run and a wee kettlebells workout after work yesterday which was good.
    Mortgage 26.4.25 - £108,500  1.8.25 - £106,362.86
    Mortgage overpayment savings - £46.47/£50
    Mortgage overpayments so far - £625.98
  • misstara
    misstara Posts: 3,987 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    edited 6 May 2020 at 8:05AM
    No money spent yesterday, will need to nip to the corner shop for some paracetamol and milk today but that's all we need.  On a late shift today but starting a little bit earlier than usual, good to get a couple of hours overtime as there isn't much going this month.  Going to head out for a wee walk shortly then going to do a bit of gardening before showering and getting organised for work.
    Mortgage 26.4.25 - £108,500  1.8.25 - £106,362.86
    Mortgage overpayment savings - £46.47/£50
    Mortgage overpayments so far - £625.98
  • misstara
    misstara Posts: 3,987 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Not posted for a few days - like many people have been struggling a bit.  Feeling a lot more positive today, have realised that I can't control/stress about other people's actions, I can only do as much as I can to keep myself and OH safe.

    Did a huge shop on Saturday which should keep us going for the next couple of weeks.  Found it a really stressful experience so the longer the better.

    It was my birthday yesterday so had a lovely relaxing day with OH.  Been thinking about a few plans for the next year.

    Got a telephone check up with the consultant later on this week to see how everything is.  While things are generally really good, there's a few things that I want to ask.  It's now been almost 9 months since the surgery which has passed by so quickly!

    Think that's all to report since the last time I posted.  Hope everyone is fine.
    Mortgage 26.4.25 - £108,500  1.8.25 - £106,362.86
    Mortgage overpayment savings - £46.47/£50
    Mortgage overpayments so far - £625.98
  • beanielou
    beanielou Posts: 95,544 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Belated happy birthday  :)
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    Belated happy birthday!!xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016) mortgage port- £70,077.82 and mortgage £126,517.39 o/s currently
    Debt - £17,190.83 (29/7/22) now (19/8/22) £16,688.80
  • And from me
    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.
  • Boodedoo
    Boodedoo Posts: 504 Forumite
    Tenth Anniversary 100 Posts Combo Breaker
    very belated birthday wishes from me :-) Hope the telephone consultation went well and you now have the answers to your questions. 
  • misstara
    misstara Posts: 3,987 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Thanks for all the birthday wishes :smiley:  The telephone call with the consultant went fine and I will go to see him in person in about 6 months time to discuss what to do next.  We had a discussion about options and it looks like whatever I decide it will probably mean another surgery.  Not looking forward to that but at least it will be planned and I'll be fit and well before the surgery.

    Been off work since Thursday which has been lovely - spent lots of time with OH, got various bits done around the flat and garden, caught up with friends and family via video chat and been out some lovely walks.  Attempted a run yesterday which wasn't very successful, got a really bad stitch about 13 minutes in. 

    No money has been spent this week :smiley:  this has really shown me just how much money I used to waste popping to the shop for a couple of things.  We've ran out of fresh fruit and milk but we've got tinned fruit and long life milk so no need to brave the supermarket yet.
    Mortgage 26.4.25 - £108,500  1.8.25 - £106,362.86
    Mortgage overpayment savings - £46.47/£50
    Mortgage overpayments so far - £625.98
  • WhySeaEm
    WhySeaEm Posts: 127 Forumite
    100 Posts Second Anniversary Name Dropper Combo Breaker
    That's good about the time off, I've found with all the video calls I'm 'spending more time' with friends and family than I normally would! 
    Hope the next surgery doesn't worry you too much and at least you've time to prepare.
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