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The second hurdle - Nichelette v the huge mortgage
Comments
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I'm with DS1, I love my robot vacuum!
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!!!1 -
Omg my DS had an obsession with Hoovers he called them all ooobers 🤣 and then he moved on to irons (unplugged) and hairdryers almost overnight. Poor ooobers. 🤣
Emergency Fund -£1000
Grocery Spends -Oct £408/500. Nov £137.07/500
Debts- CC 316, CC 3058.17, Kitchen loan 38571 -
Hopefully I will love its work too 🤣
@debtfreewannabe321 that's really cute! I think DS1 will definitely do something handsy when he's older. Mechanic, engineer, something like that.
When he was 2ish every morning he'd have to pick a cable from a big box of chargers before he would go downstairs. He's still obsessed with cables, power tools and so on. This is one of the things I've put away for Christmas for (supervised) use, though for his age he's surprisingly sensible with things:
https://amzn.eu/d/03eFyCPE
Finally bought a homeStarting mortgage £289,500 31.01.19 - Current outstanding £178,813.14Overpayments since 27.03.19: £60,609.64Moving fund so far £8000 - Premium bonds £4,1001 -
Up early again. Still ill. Every day seems the same at the moment 😅.
Decided to buy this yesterday. Not sure if it will save us money but thought worth a try, and worst case will also heat room up quicker than heating when really cold. Because we're on the end house gets pretty cold. It's a 2003 build but I'm sure the insulation is terrible. We also have stairs in living room so we can't easily keep heat in, and double patio doors where we probably lose a lot too.
I wanted to try and get a couple of the dunelm Christmas tags where you buy gifts for people who might not otherwise get them. My dad was put in care at 3 where he remained until adulthood and it's all quite heartbreaking tbh. There isn't one in our closest 'big' town so went to next biggest half an hour away yesterday as needed a few bits food bits and there was one next to Sainsbury's there. Wasn't a dunelm, was a range 🤦🏻♀️. So that was a complete fail and I returned home feeling more unwell than when I started.
Made the boys little Halloween treat dinners. Did buy the plates and cups but they'll use cups all year and it's all ceramic so will use for years hopefully (trying not to overbuy plastic cr*p). Bless them, they were so excited to hand out sweets but we didn't have a single person come around! DS2 questioned whether it was Halloween as he'd had no 'customers' 😅. Probably doesn't help that we're at the end of a cul de sac but last year we had a lot and I was worried we'd run out of sweets. Wonder if it's because it was a Saturday? Never mind...
Happy November!
Finally bought a homeStarting mortgage £289,500 31.01.19 - Current outstanding £178,813.14Overpayments since 27.03.19: £60,609.64Moving fund so far £8000 - Premium bonds £4,1001 -
What a shame on the double disappointment! I enjoy The Range a lot, but it doesn't help when you need a Dunelm....🤦♀️ And I would have assumed there would be more trick or treater's at the weekend, as the parents would be more available to chaperone 🤷♀️? Oh well, at least you still have the sweets!
Hope you feel better soon 🩷
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!!!0 -
Feel better soon.
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.
One debt remaining. Home improvement loan. 9 months left.0
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