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misstara's debt diary 2020

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  • misstara
    misstara Posts: 3,990 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    NSD yesterday and today I've given my neighbour £10 to pay for the brown bin and bought 2 plant pots (£6.58).  

    I managed a run again this morning :). Weight watchers is generally going fine but had a bit of an epic fail today - went round to my gran's for coffee and she offered me cake.  I took a bit as it was fruit cake so I didn't think it would be too bad.  Turns out it was more than a third of my daily points so won't be doing that again.

    Think I'll do a bit of a stock up of food as where I live has had a cluster of covid cases related to a pub.  Hopefully it's contained and won't spread further but I want to be prepared in case we have to go into lockdown again.
    Mortgage 26.4.25 - £108,500  1.8.25 - £106,362.86
    Mortgage overpayment savings - £2.11/£50
    Mortgage overpayments so far - £675.98
  • beanielou
    beanielou Posts: 95,562 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I hope that you don’t have to go into lockdown again. 
    Are you in Scotland? 
    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: 3,990 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Yep in Scotland beanie and we're back in lockdown :cry:  Did a quick food shop on the way home and got various bits to stick in the freezer plus pasta, tins and of course toilet rolls :lol: total spend was £36.78.  Absolutely shattered for some reason this evening so off to bed just now.
    Mortgage 26.4.25 - £108,500  1.8.25 - £106,362.86
    Mortgage overpayment savings - £2.11/£50
    Mortgage overpayments so far - £675.98
  • beanielou
    beanielou Posts: 95,562 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    As long as you have pasta & loo roll you will be fine 😀
    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: 3,990 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Very true beanie :lol:

    Not much has been happening since I last posted - just working and getting out for a walk each day.  Weigh in for weight watchers today and I have lost 6 pounds!!  I know it's just the first week loss but it does give me motivation to keep going.  I need to pop to the supermarket today to get more fruit and veg as I'm eating so much more now.  Unfortunately I'm having a few issues with my stoma which I don't know if it's related to eating more fruit and veg or something else.  Will give the nurse a call tomorrow.
    Mortgage 26.4.25 - £108,500  1.8.25 - £106,362.86
    Mortgage overpayment savings - £2.11/£50
    Mortgage overpayments so far - £675.98
  • beanielou
    beanielou Posts: 95,562 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Fantastic loss. 😊
    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.
  • juliejim
    juliejim Posts: 7,944 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Well done on the weight loss.
    NST #10 Steps 7K 2/30 10K 2/12 5 a day 3/30 NSD 0/20
    MBNA £5500
  • misstara
    misstara Posts: 3,990 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Thanks beanie and julie :smiley:

    Spent £18.10 in the supermarket yesterday which was fruit, veg and jelly pots for me plus a Sunday paper and juice for OH.  Meal plan has been done for the week ahead and we shouldn't need to buy anything else apart from possibly a top up of fruit towards the end of the week.

    Best get ready for work - only 9 days to go and then have 11 days annual leave :smiley:
    Mortgage 26.4.25 - £108,500  1.8.25 - £106,362.86
    Mortgage overpayment savings - £2.11/£50
    Mortgage overpayments so far - £675.98
  • misstara
    misstara Posts: 3,990 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Spoke to the nurse yesterday so I am to make sure I drink more water and try replacing some of the fruit I'm eating with a smoothie so going to make one for breakfast this morning.  I've just got a hand blender but might look into getting a proper blender if I'm going to make smoothies regularly.

    Ordered some more masks yesterday and spent £28.55.  We currently have one each and just use disposable masks if it's in the wash, this way we will have 3 each.  

    Sitting here listening to the thunder and rain, definitely needed as it was so hot and sticky yesterday.  On a late shift today so had planned to go for a walk/run this morning but thinking actually probably not :lol: 

    I'm going to start saving for a new phone.  I've got a SIM only contract that I'm happy with but my phone is coming up on 4 years old and the battery life is pretty non-existent, I have to charge it multiple times a day.  Don't need anything super fancy so will aim to save £150 for this.

    Mortgage 26.4.25 - £108,500  1.8.25 - £106,362.86
    Mortgage overpayment savings - £2.11/£50
    Mortgage overpayments so far - £675.98
  • Have you thought of buying a new battery?
    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.
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