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You are lucky to have a trusted tradesman. You sound much more settled now you have a plan going forward. You illustrate perfectly why an EF is essential. I hope you can begin to relax a little for Christmas.If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720251 -
I had an hourish sleep again last night before getting up, keeping my cat company and messing about online (no purchases made), didn't see your notification as I would have replied earlier 🤭Mortgage started 2020, aiming to clear 31/12/2029.3
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Good tradespeople are like gold at the minute - finding one is half the battle, getting them in is the next step, but if there's a delay, it will give you a breathing space to save (and take it all in), so try not to stress over Xmas."...when you have eliminated the impossible, whatever remains however improbable, must be the truth..."
"Mastering a low budget lifestyle now, means you are set for life" quote by 'Miss Babs'
Dog's 'Pot o' Gold' = £23.85
Household maintenance = 0
Prolific Academic = £41.641 -
Thank you doingitanyway, yes I agree it definitely shows the need. Tbh now the decision is made I just want to be on the other side of it and am grateful to have a starting point.
Oh no MF, hope you can rest today but we'll done on the no purchases.
We have had some good news today and that is that my OH is getting a slight payrise l so will be celebrating with a cheeky takeaway and a couple of drinks later.
Having a lovely day playing with the boys, must try to get a few bits done so that tomorrow is a bit more relaxed.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 -
When you reach that decision point it's natural to want it over and done with.
The payrise all helps and do enjoy your takeaway and drinks 🤗Mortgage started 2020, aiming to clear 31/12/2029.1 -
Merry Christmas eve 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 swimming1
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Merry Christmas eve everyone. I'm just finishing my nails after preparing food and final gift wrapping.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
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What colour did you go for?Mortgage started 2020, aiming to clear 31/12/2029.0
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Red with silver glitter on the tips.
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 -
Great choice!Mortgage started 2020, aiming to clear 31/12/2029.1
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