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Took the boys swimming and then went food shopping, prices are going up so much 😕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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Prices are a worry aren’t they. However you are building memories with the boys and swimming is teaching them a great life skill.I think I’m going to try and use less meat to cut my shopping bill. Especially in slow cooker meals which I batch cook and freeze. Maybe vegetable curry & chilli. Bulk out with cheaper veg & cheap baked beans0% 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/p12 -
Def worth doing, we don't eat much meat here tbhMortgage 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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Hey ladies, weeks going well, have had an expensive week so far but the budget is just about holding up which I am massively proud of.
A nice afternoon in the garden. Think I need an early night.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 -
Sleep well and sweet dreams!Mortgage started 2020, aiming to clear 31/12/2029.2
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Well done on your house payments and holiday. Hurrrah it is so nice that you are escaping especially after the last two years.Aiming for a minimal spend 20220
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Hi Everyone,
Hope you are doing OK.
Thought I would post a bit of an update as I am near a milestone. When I first joined the board I decided to assign in my mind chunks of the mortgage I had left (161k) to rooms in my house. Was 16k per room so each room feels like a massive milestone and a big step. So in my mind I own my kitchen and now I am just 650.70 away from owning my living room. My balance will then be 128k, which I know is still alot of money but a lot less than 161k. Its been hard to put additional money to the mortgage with costs rising but we have managed to carpet the living room which was a big expense but very worthwhile.
Everything else generally OK, this end.
I will update again when I know that room is mine and then pick another.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 -
You're doing well with buying rooms. If a whole room feels too big a task break it down into quarters or eight's etc.
We're not just here for money chat but other support and encouragement too.Mortgage started 2020, aiming to clear 31/12/2029.0 -
Thank you MF, I appreciate that. Have lost my way quite a bit tbh as finding it hard to balance everything. Pay day today so will have a look at what I can do but have my Mot and a car ins to pay this month. My work didn't pay my OT either which is frustrating.
Let's pick a room and break it down a bit :-)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 -
Lots of people posting at the moment about mot's. Hope your car passes without any additional work needed 🤞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/p11
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