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Missy’s family of 4, paying off debts, saving for a house and just trying to survive!
Comments
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Totally chuffed for you. XXXI Believe.....
That it isn't always enough, to be forgiven by others.
Sometimes, you have to learn to forgive yourself.
Yesterday is history, tomorrow is a mystery
Today is a gift. That's why it is called the present.
happiness isn't achieved by getting extra things,
but by getting rid of the things that make you unhappy1 -
Oh that's brilliant x1
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Brilliant news, will your mortgage be cheaper than the rent ?Sealed pot challenge 822
Jan - £176.66 :j2 -
Thank you!!!! You are such a lovely lot!Hey @dawnybabes no the mortgage is pretty much the same as the rent deliberately.3
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That is good news and if you get to the point where you can pay extra you will be bringing the date closer when you fully own your home 😊missymoo81 said:Thank you!!!! You are such a lovely lot!Hey @dawnybabes no the mortgage is pretty much the same as the rent deliberately.Fashion on a ration 2025 0/66 coupons spent
79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases
One income, home educating family2 -
Congratulations Missy!2026 financial goals & challenges!
1). Mortgage (started Jan 2024) £98,655.10/ £122,400.00 Overpayment total: £1460.47 (Inc Sprive yr 1 & 2 o/p £70.93, £5.52 Natwest o/p & £55.34 reg monthly overpayment) Equity 33%
2). #47 Save 1p a day challenge 2026 £96.47/£780
3). £2,763.96/£3000.00 - Investment ISA
4). CC debt - £21,148.38. Aiming for £19,999.99 31/12/2026
5). £252.66 / £1000.00 - EF
6). Lose weight, get fitter and read 12 books in 12 months in 2026. 2 out 12 COMPLETED1 -
Great news Missy.
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Ah thank you all so much! It hasn’t quite sunk in yet!Can’t wait to start painting and changing a few things. Need to sign on the dotted line first though. Money is of course still the same and super tight as nothing has changed in that respect.3
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That's fantastic news! Great that ex is going to be paying something too
"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee1 -
Money is going to be super tight going forward, well, as it has been really. On paper affordability for the mortgage etc looks great. But it’s never that way in real life. So along with the mortgage payments I’m trying to pay back some money I had allocated for something else and there’s a time scale on trying to get it paid back. Along with my 2 huge tax bills. I’m ok in June, but July I’m £180 short and Aug a whopping £658, and it will be that way until Feb! I need to find the extra money from somewhere.It’s not quite as bad as it sounds as I’ve set my wages, on the budget, at a minimum from the business but it’s likely they will be more than that. But it will be changeable and I’ll have no idea until the month is over. I’m going to advertise this weekend and get things rolling again in the hope I can pick up a little more business. I can cut things like the food bill and spending money. But it’s set super low anyway, but I will try my best.4
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