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My mortgage clobbering post

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  • Frith
    Frith Posts: 8,760 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Mortgage - £5,800
    Mortgage interest - £8.41
    Savings - £0
    ISA - £275
    Lloyds - £0

    Really need to take action to deal with my finances again. 
    Its fair to say many things have gone pear shaped and being ultra careful over finances and diet has not been my priority. 
  • Skint_yet_Again
    Skint_yet_Again Posts: 8,443 Forumite
    Part of the Furniture 1,000 Posts Hung up my suit! Mortgage-free Glee!
    Sorry to hear things have been difficult for you Frith. Cheering you on from the sidelines, you have done so well with your savings and you work so hard for your boys, hope things settle down and get better for you soon. 
    0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
    House sale OCT 2022 = NOW MORTGAGE FREE 🤗
    House purchase completed FEB 2023 🥳🍾 Left work. 🤗

    Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).

    Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1

    Living off savings diary
    https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p1
  • IndiJonesi
    IndiJonesi Posts: 505 Forumite
    500 Posts Fourth Anniversary Name Dropper Photogenic
    Hi Frith, I'm sorry to hear things are difficult just now and I'm also sorry to hear about your Aunt.  My fingers are crossed that your son will be able to get back to his education soon and I'm glad your other son is enjoying his apprenticeship.  Your mortgage balance is dropping nicely, along with your weight, by the looks of things.  Indi x 
  • slm6002
    slm6002 Posts: 4,380 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Hi Frith, I've just popped by and read your diary.  You are amazing and have done so well in all areas of your life.  You are so close to being mortgage free, and your weight loss is fab - wish my weight was going in that direction.  Keep going :)
    Me, DD1 19, DS 17, DD2 14, Debt Free 04/18, Single Mum since 11/19
    Debt £2547.60 / £2547.60
  • Frith
    Frith Posts: 8,760 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Thank you, all.

    Had a better day today. Cleaned the hens’ sleeping quarters out, got various jobs done and got back to the charity shops! Also wrote my bit of my aunty’s eulogy (we’re all doing a few paragraphs). 

    We had a strange weekend including son 1 saying he won’t go round to his father’s again. This should go unnoticed, now he lives onsite at his apprenticeship. Son2 has not seen his father for 3.5 years. 

    Will start the Blood Sugar Diet again from next Monday. Made too much pastry today so we had jam tarts, mince pies then a quiche! 
  • Frith
    Frith Posts: 8,760 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    edited 23 April 2021 at 8:03AM
    Mortgage - £5,600
    Mortgage interest - £8.12 
    Savings - £0
    ISA - £275
    Lloyds - £0

    £200 off today.
    A busy week with an EHCP review, online training yesterday and my aunty’s funeral this afternoon.
    I’m going to pop in and see my older son on the way home and have my 2nd Covid vaccination tomorrow! 
  • Frith
    Frith Posts: 8,760 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    edited 24 April 2021 at 3:54PM
    Mortgage - £5,549.99
    Mortgage interest - £8.05 or 26p per day 

    Savings - £0
    ISA - £275
    Lloyds - £0

    £50 of EBay sales 
  • Frith
    Frith Posts: 8,760 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    edited 27 April 2021 at 7:50AM
    Maths failure this morning! Had £20 to pay in and thought the 3% charge would be £6. I have no idea why. 

    So I think I’ve paid in £25.22. 

    Mortgage - £5,524.74
    Mortgage interest - £8.01
    Savings - £0
    ISA - £275
    Lloyds - £0
  • Skint_yet_Again
    Skint_yet_Again Posts: 8,443 Forumite
    Part of the Furniture 1,000 Posts Hung up my suit! Mortgage-free Glee!
    Well done on the Ebay sales. That mortgage will soon be gone ! 
    0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
    House sale OCT 2022 = NOW MORTGAGE FREE 🤗
    House purchase completed FEB 2023 🥳🍾 Left work. 🤗

    Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).

    Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1

    Living off savings diary
    https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p1
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