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Time to Face The Music
Comments
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I hope the taste and smell return soon - it was the main thing I was worried about with getting Covid but I was lucky and dodged it!🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
Balance as at 31/08/25 = £ 95,450.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her0 -
Thanks guys.
I feel a lot better today. The smell and taste are slowly returning. Not 100% yet but its getting there.0 -
Another day at work.
Breakfast, lunch and dinner will be from stores today. Breakfast was toast, we have both taken our packed lunches to work, salad box for me and dinner tonight is garlic and herb chicken, naga rice and vegetables.
Tonight's jobs are:- walking the dog
- load of washing
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Glad you are feeling better. We have managed to avoid getting COVID. The advantages of not working and spending lots of time outdoors. We tend to go into pubs for lunch/drinks when they are quiet too.That credit card and motor home loan are coming down nicely. Won’t be long before you will have lots of spare money to throw at your mortgage and pension. I have a feeling we will be seeing another FIRE diary thenI’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.
The 365 Day 1p Challenge 2025 #1 £667.95/£430.71
Save £12k in 2025 #1 £12000/£120001 -
Half way through the working week already.
Breakfast, lunch and dinner will be from stores. Breakfast was cereals, we have both taken our packed lunches to work and dinner tonight is spag bol with garlic bread.
Tonight's jobs are:- walking the dog
- load of washing
- cleaning the kitchen
- weigh in Wednesday
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The plan is to reduce our mortgage term down to 5 years when we next remortgage. Should be achievable. Then who knows what we will do with that paid off!enthusiasticsaver said:Glad you are feeling better. We have managed to avoid getting COVID. The advantages of not working and spending lots of time outdoors. We tend to go into pubs for lunch/drinks when they are quiet too.That credit card and motor home loan are coming down nicely. Won’t be long before you will have lots of spare money to throw at your mortgage and pension. I have a feeling we will be seeing another FIRE diary then0 -
Probably pensions, plus saving for the point where the big ticket things need replacement! It's a fabulous feeling when the creeping realisation that a car needs replacing for example isn't also accompanied with a faint echo of "how are we going to do that!" I think more than anything else, the thing I'm most pleased to have from my time on here is the mindswitch away from things like loans for cars etc just being a necessary part of life.🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
Balance as at 31/08/25 = £ 95,450.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her1 -
We are both in the fortunate position that we have been saving into pensions schemes for a long time so we both already have decent pots built up.EssexHebridean said:Probably pensions, plus saving for the point where the big ticket things need replacement! It's a fabulous feeling when the creeping realisation that a car needs replacing for example isn't also accompanied with a faint echo of "how are we going to do that!" I think more than anything else, the thing I'm most pleased to have from my time on here is the mindswitch away from things like loans for cars etc just being a necessary part of life.
Spare funds will probably be lined up into accounts where we can get relatively easy access to them when we need them as we approach retirement rather than locking more money away in pension pots.0 -
Didn't lose any weight this week but more importantly I didn’t gain any either. I'm more than happy with that after last weeks big loss when I was ill.
Hopefully back into the slow and steady losses next week.0 -
We had 8 years left on our mortgage, when it came to remortgaging. We decided to bite the bullet and double it up and repay over 4 years instead. This meant the mortgage was paid off when I was 48. We had always wanted to pay it off when we could, so we never had to worry about a roof over our heads. Best decision we made. Xx:j Debtfree and and staying that way.:j3-6 month emergency fund, No.61 £140.002
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