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Time to get my house in order!
Comments
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Congrats on the first OP. First of many!2
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Thick_n_Thin said:....he was gobsmacked when he saw our mortgage was £855 per month!Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!3 -
Thanks all for stopping by! South_coast said:Thick_n_Thin said:....he was gobsmacked when he saw our mortgage was £855 per month!
So the exercise with the shopping list worked out quite well, I was quite accurate with my costings and I enjoyed the challenge of trying to get the items for less than my budget for that item, it also helped me focus and not add additional items into the trolly, ( the only thing I bought was some magnum ice creams that wasn’t on my shopping list but £3) the total at the checkout was £93.24 so we’ll under my £100 budget however I forgot my weekly sausage and bacon pack that my mum gets me from the butchers for £10 so I will need to pay her for that, so minus the £3 for the ice cream I was pretty much bang on £100 so no overpayment this week but it’s definitely helped keeping me on the straight and narrow, had I not done this I think an extra £30 easily would of been spent this week, I’ve also bought enough milk, bread, eggs to last the week so definitely won’t need to top up at any point through the week and risk further overspending so I’m counting this as another win!Aiming to be mortgage free in 3 years June 2023.
May 2020 - £63,493
Jan 2021 - £56,145
April 2022 - £44,7504 -
I consider magnums to be essential at the moment6
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A nice full fridge is almost as nice as an OP in my opinion. Everyone seems to be talking about food tonight. Making me hungry xJan update
2021 MFW #39 £228.76/£5000
Current mortgage @ 1/2/2021 £94 900.00
Mortgage end date Jan 2041. Current OP end date March 2039. Target June 2027.
2021 Personal savings £1 803.25/£5 880
2021 Personal Freetrade shares £102.81 (putting £50 per month in - love it!).
2021 Joint sinking fund £36.83/£500
2021 Summer holiday fund £330.35/£13506 -
Yesterday was pretty uneventful, went to B&Q to get some wallpaper samples for our hallway that we are currently decorating, managed to resist any purchases in the garden section, I have been after an outdoor rug and some cushions for our outdoor furniture but it’s not an essential purchase and hasn’t been budgeted for so I managed to resist. On the whole it ended as a NSD and was a good practice for seeing things that I want but resisting temptation.
Saturday night we usually have some treats, usually this is a curry/pizza /Chinese, we don’t have the takeaway variety usually it comes from the supermarket, one of their dine in meals or their Indian meals or the like, this will normally cost between £8-&10 for the two of us. Last night I made a curry from scratch and I’ve got to say it was really nice, it was just a recipe from BBC good food, easy chicken curry, I just choose the one with the least ingredients. I did buy the little packs of samosas:bahjis with my shopping and I think I will definitely do this again!Plans for today... going to make a big breakfast in a minute.. this has become one of our habits during lockdown as I normally don’t bother with anything too heavy for breakfast but OH enjoys it however I really need to tackle my weight next week as I feel like I’ve put some on during lockdown so today will be the last day for any treats and then I need to get back on the wagon tomorrow.Aiming to be mortgage free in 3 years June 2023.
May 2020 - £63,493
Jan 2021 - £56,145
April 2022 - £44,7504 -
That sounds great with the curry, my BF does that (or used to pre-lockdown, when I was allowed into his house 😢) makes his own curry and tops up with shop bhajis and samosas, or prawn toasts and crispy seaweed etc with a Chinese. Mmmmm 😍Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!2 -
South_coast said:That sounds great with the curry, my BF does that (or used to pre-lockdown, when I was allowed into his house 😢) makes his own curry and tops up with shop bhajis and samosas, or prawn toasts and crispy seaweed etc with a Chinese. Mmmmm 😍I have had a very lazy day today... reading my magazine stash and watching tv, I think I will be recalled to work soon so I need to make the most of next week and get a jobs list ready so I can at least feel like I’ve been productive.Aiming to be mortgage free in 3 years June 2023.
May 2020 - £63,493
Jan 2021 - £56,145
April 2022 - £44,7503 -
Today I’m feeling a bit up and down, not the productive start to the week I was hoping for... I can’t stop obsessing about finances, mortgage overpayments, pensions, investments and so on and so on.... does anyone else find thats all they think about???Plans for today
a NSD
cleaning to keep my mind occupiedA walk later, 10000 steps need to be covered so it should be a long one!
do not overeat...
no alcohol!Aiming to be mortgage free in 3 years June 2023.
May 2020 - £63,493
Jan 2021 - £56,145
April 2022 - £44,7507 -
You're definitely not the only one TnT! I think all us MSEs are constantly thinking about it, but I hope you feel better soon xMortgage Balance as of July 2025 £14,900.
Starting Mortgage Balance (June 2019) £72,000.
Aiming to be mortgage free by my 40th birthday, June 2026!2
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