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misstara's debt diary 2020
Comments
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Thanks for your post WhySeaEm - I'm definitely keeping in contact with family and friends more at the moment which is lovely and something I hope to keep up.
Not much to report from yesterday - a less stressful day at work
went a nice walk after work, no money was spent and I've lost 2 pounds 
Weight is really not great at the moment so making an effort to snack less and exercise more.
Best go get ready for work, hopefully will be a good day again.Mortgage 26.4.25 - £108,500 1.9.25 - £105,664.31
Mortgage overpayment savings - £2.81/£50
Mortgage overpayments so far - £850.962 -
Very quick post before I go get ready for work, had a terrible nights sleep last night and it looks awful outside so really don't want to move but needs must. Got a letter yesterday from HR confirming a wee pay rise which is great and I should get my pay slip today. Not spent any money since my last post will definitely need to go shopping at some point over the weekend as we're running low on a few things. It's also my gran's birthday on Sunday so I want to get a wee present to drop off to her.
Mortgage 26.4.25 - £108,500 1.9.25 - £105,664.31
Mortgage overpayment savings - £2.81/£50
Mortgage overpayments so far - £850.962 -
Good news on the wee pay rise.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.2 -
It sure is beanie
Budget for June - £2291.93
- £950 usual bills
- £150 car
- £100 petrol (probably won't need this but just in case lockdown eases enough to go see my family)
- £230 food
- £191.35 debt
- £200 car fund
- £200 emergency fund
- £10 ynab
- £100 holiday
- £100 home
- £50 presents
- £10.58 house deposit fund
Credit card will be no more as of Thursday After it's paid off, I'm going to concentrate on filling up the savings pots and will also start saving money towards a deposit for a house. Never ever thought I'd be in this position of actually having savings
Mortgage 26.4.25 - £108,500 1.9.25 - £105,664.31
Mortgage overpayment savings - £2.81/£50
Mortgage overpayments so far - £850.965 -
Great news on the CC & the having savings. 😊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.3 -
You have done brilliantly. Well done youMortgage 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 11st 12lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge. I’m not perfect but I’m good enough for now.2
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awww amazing news!!!! Knew you would do it 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) £16,688.801 -
Wonderful! and very well deserved :-)
All those little bits have added up and I really, really, look forward to watching the growth of the savings.
You really are an inspiration to anyone who has debt, 'every' little payment counts and gets you there in the end.
So very happy for you!2 -
Thank you all for your posts and for your support over the last few years, certainly wouldn't be in this position without it.
On a late shift today and absolutely gorgeous day so currently having a lovely walk around the park.
Got some shopping on Sunday and shouldn't need to go again until into June. Going to the supermarket really stresses me out at the moment so the less I have to go the better.
Popped round with my gran's present on Sunday. Was lovely to see her ❤️ even from a distance.Mortgage 26.4.25 - £108,500 1.9.25 - £105,664.31
Mortgage overpayment savings - £2.81/£50
Mortgage overpayments so far - £850.961 -
Bye bye debt :-)2
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