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Cosy blanket
Comments
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Sorry to hear about your run of bad luck. You will soon have the EF topped up again 🤗
Glad you treated yourself to some new clothes you deserve it. Have a lovely birthday 🎂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 -
Pay day today 😊 will be making a plan and shuffling money around at some point.
Just been out picking blackberries with the boys and going to attempt to make a pie with them.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 -
Brilliant. I love blackberries! Hurrah for payday! Have a great weekend.Aiming for a minimal spend 20222
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Hope the pie was nice, nothing like a bit of scrumping and bake off with the goodies 😀Mortgage started 2020, aiming to clear 31/12/2029.2
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I liked it the boys didnt, I probably shouldn't be eating it so going to give the rest awayMortgage 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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Well done for making it though. Yum.Aiming for a minimal spend 20221
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I thought it was time for a bit of an update due to a big decision I have made today and time seems to have flown again.
Firstly I am delighted to say my son remains well and has now officially been signed off by his specialist, he's doing very well 🙂
Next... The mortgage.... So I have today switched product with my mortgage company... We had an early repayment charge (which has more than wiped out the remaining EF) but we will save lots... Gone from 2.64 to 0.89 fix for 5 years which saves us about 150 a month, ontop of this the money saved will be used to further reduce the mortgage balance and help with the snowball effect. So I know it is the right decision but it has left us in a very exposed position right now. I have a plan to get everything back to how it should be and start knitting the cosy blanket again. My head is very focused on this atm.
Mortgage OPs... I am trying to work out the best level for this. It will only resume once my accounts are in better order.
We have 2 birthdays this month and most things are already purchased for 1 and a set amount of money put aside for the other. I will be making cakes so little cost there.
Work - I'm still waiting on my promotion but lots of things are changing at work so hopefully that will help it along.
Pension - I'm still paying 10% to mine and we still need to get hubby's one sorted.
Insurance - I have canx some pet insurance which was costing a small fortune so will start putting that money in a pot so it can build.
Hope you are well.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 swimming1 -
So pleased to hear about DS, that's a huge weight off your shoulders.
The money saved on your new mortgage can start creating a more colourful blanket.
Fingers crossed for the promo and look for a good reg saver for the pet pot, the interest will help boost the fund.
In a few months you'll be settled and making plansMortgage started 2020, aiming to clear 31/12/2029.2 -
Thank MF, I feel silly in some ways as I did have a good EF but have used it to better my future. I love the idea of a colourful blanket... Thank you for yous support. XMortgage 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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Think of it as speculate to accumulate.
It makes perfect sense and we all do it, whether it's filling in comparison sites to find cheaper insurance or utilities. Going to a couple of different shops for groceries. Using savings to remortgage and save money.
Often we don't put a price on our time, we certainly use it when looking to save money, but never account for it.
Honesty, it's not silly, it's sensible and provided other security for a while 😊Mortgage started 2020, aiming to clear 31/12/2029.2
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