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Cosy blanket
Comments
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Thanks, yes I am tbh. Very tired from all thisMortgage Aug 2019 161,000 :eek::eek::eek:Nov 2019 156,500:T Jan 2020 153,122:T, Apr 2020 149,500, Apr2021 139, 675, Oct 2021 136,823, Dec 2021 136,120🙂EF 0/12,000 (0%)😕 (5062.44 was ERC), Jan 2023 128,650. Our Mortgage is never going to be as high as it is today. :jOnwards and downwards to a better life for our family. :jJust keep swimming2
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It has been a strange year! wishing you a restful weekend if that is possible.Aiming for a minimal spend 20221
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Just a quick note to say all is well here currently, been sorting through the kids clothes which has kept me busy. Lots going in the loft, having 2 boys means we don't really buy much for my second son.
Money wise EF is edging to 8k so I am going to see if I can push it to that ASAP as I feel that my cosy blanket is getting there now. The mortgage has gone under the next 10k bracket.. I am waiting for it to show on my online banking and get a confirmed figure before updating my signature but feel like we are making headway on both directions which I am very pleased about.
I hope everyone is well. Aiming to catch up with some diaries soon.Mortgage Aug 2019 161,000 :eek::eek::eek:Nov 2019 156,500:T Jan 2020 153,122:T, Apr 2020 149,500, Apr2021 139, 675, Oct 2021 136,823, Dec 2021 136,120🙂EF 0/12,000 (0%)😕 (5062.44 was ERC), Jan 2023 128,650. Our Mortgage is never going to be as high as it is today. :jOnwards and downwards to a better life for our family. :jJust keep swimming2 -
Keep swimming upstream and everything will work out.Mortgage started 2020, aiming to clear 31/12/2029.2
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Well done on clearing & packing stuff into the loft lw2go. I need to go through my wardrobe and part with some stuff I don’t wear.Your emergency fund and mortgage overpayments are great, pull that cosy blanket round you ☺️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/p13 -
Really well done, on sorting clothes out. It is a good feeling to do this. Your EF is brilliant exactly what Dave Ramsay says and really well done on hitting the digits on the mortgage.Aiming for a minimal spend 20222
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Thank you everyone. I was originally aiming for 12k, I am feeling increasingly comfortable. It sounds like a high amount but we have a young family, highish mortgage and a BTL so lots to protect. I am actually reading the DR book atm which is helping me stay motivated around pushing the EF up.
Mortgage now 139,973.13 so officially under the next 10k bracket but waiting for interest to be added and main payment to be taken early next month to get a true understanding.
Such a lovely day here today, we went to the park for 2 hours and have just eaten lunch outside. Tonight is a bbq which I am so looking forward to. Might have a cheeky gin to celebrate what we have achieved to date.
House needs a clean but that's not what sunny days are for.
Have a good day everyone :-)
Mortgage Aug 2019 161,000 :eek::eek::eek:Nov 2019 156,500:T Jan 2020 153,122:T, Apr 2020 149,500, Apr2021 139, 675, Oct 2021 136,823, Dec 2021 136,120🙂EF 0/12,000 (0%)😕 (5062.44 was ERC), Jan 2023 128,650. Our Mortgage is never going to be as high as it is today. :jOnwards and downwards to a better life for our family. :jJust keep swimming3 -
£12k is a good figure and provides that breathing space. You're doing well reducing the mortgage too.
Enjoy the BBQ and have that gin, it's long overdue.Mortgage started 2020, aiming to clear 31/12/2029.2 -
Hurrah the weather was glorious. You have done so well. Enjoy the drink and well done for all of your hard work.Aiming for a minimal spend 20222
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Unfortunately we have had some bad news today, oh has lost his job. He is actively looking for another one and although I'm frustrated and hoping he gets one very soon I am not panicked (which I would have been before having the EF). I am so glad we have the EF in place.... Now for damage limitation to our security blanket which currently sits at just over 8k.
Mortgage figure update in the next few days.
Mortgage Aug 2019 161,000 :eek::eek::eek:Nov 2019 156,500:T Jan 2020 153,122:T, Apr 2020 149,500, Apr2021 139, 675, Oct 2021 136,823, Dec 2021 136,120🙂EF 0/12,000 (0%)😕 (5062.44 was ERC), Jan 2023 128,650. Our Mortgage is never going to be as high as it is today. :jOnwards and downwards to a better life for our family. :jJust keep swimming2
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