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  • bellevie
    bellevie Posts: 910 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper

    Thank you 😊

    MFW
    Starting debt :£287,410 -11/2020

    2022 Closing balance £271,402.45 

    2023 closing balance £263140


    Original end 11/2045 
    New end date :....... 

    Overpayments to date £609.40 (8/25)



  • bellevie
    bellevie Posts: 910 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper

    This weeks shop £108, we needed dishwasher tablets and a couple of hand washes.

    I won £25 through NSI, first win since 2023. Think I worked it out roughly to be 5% returns. I don’t have a lot in there and have taken out money when needed. I do wonder if I would have won more if I hadn’t withdrawn. Will make a conscious effort not to touch the account this year and see what happens. I set it to reinvest too, avoid it being needlessly spent.


    No update yet on hours change request, no meeting has been arranged but the policy says a meeting may not be needed if the change can be approved, there’s still time so need to be more patient!

    MFW
    Starting debt :£287,410 -11/2020

    2022 Closing balance £271,402.45 

    2023 closing balance £263140


    Original end 11/2045 
    New end date :....... 

    Overpayments to date £609.40 (8/25)



  • bellevie
    bellevie Posts: 910 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper

    This weeks budget has been blown.

    I have been under the weather for a few weeks, think catching one bug after another courtesy of DS. Then I completely hit a wall Wednesday, about to book a doctors apt as things amplified 120% I suddenly wondered re covid. Found a test and positive. First time ever so my vaccinations lasted a fair while.

    It knocked me for 6, kept DS of nursery as he’s also been the same. Shop came it at £97, however…a further £30 fast delivery from a supermarket to make a nice breakfast this morning and a cream tea for later. It’s our anniversary but had to cancel our meal out so thought it was a nice simple alternative treat. Maybe I can count this from another budget.

    Then another £39 stocking up on pain relief, tissues, antibacterial wipes, ready made lasagne - we had appetite but no energy to cook, ingredients for soup and chicken in a bag for an easy dinner just with boiled potatoes and broccoli. I should be able to carry over a couple of meals to next week to try to bring back the budget under control.

    Over the worst now fever stopped last night but still congested, lost voice coughing. Easier to breathe outside than in so pottering gently round the garden which DS has loved. So many toys and containers filled with rain he loves decanting from one pot to another.


    I have a few days off over half term hopefully will fully shake this off and feel human again when I return to work.

    MFW
    Starting debt :£287,410 -11/2020

    2022 Closing balance £271,402.45 

    2023 closing balance £263140


    Original end 11/2045 
    New end date :....... 

    Overpayments to date £609.40 (8/25)



  • beanielou
    beanielou Posts: 98,303 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!

    Feel better really 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. 21 months left.
  • sunshineli
    sunshineli Posts: 126 Forumite
    100 Posts Third Anniversary Name Dropper Photogenic

    Hope you feel much better soon

    2025 mortgage OPs - £100

    2026 mortgage OPs - £30/£1200

    Total mortgage OPs so far - £130

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