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Third time's the charm...

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  • ~FlowerPot~
    ~FlowerPot~ Posts: 1,621 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Photogenic
    Hi little miss determined, I wanted to pop on and say I have been reading you diary and really enjoying seeing how you are so engrossed in clearing your debt. I think you have done an amazing job and you really are inspiring.
    I think you are clearly right in that you will definetly need a new goal or maybe several! If the mortgage seems to big a mountain, then just set a chuck of it as a target to clear?

    have a good day
    flowers
    x
    ♥️ ♥️ ♥️
    🌸🌸🌸🌸🌸🌸🌸🌸
    Decluttering 2025 So far 403 / 2025
    Decluttering 2024🏅🏅🥇🏅🏅🏅⭐⭐⭐🌸 DS2🏅🏅DD🏅🥇🌸
    25 in 25 So far 1 /25

    ⭐My rambling savings Diary ~⭐
  • LittleMissDetermined
    LittleMissDetermined Posts: 9,606 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Photogenic
    edited 22 February 2023 at 10:46AM
    Hi little miss determined, I wanted to pop on and say I have been reading you diary and really enjoying seeing how you are so engrossed in clearing your debt. I think you have done an amazing job and you really are inspiring.
    I think you are clearly right in that you will definetly need a new goal or maybe several! If the mortgage seems to big a mountain, then just set a chuck of it as a target to clear?

    have a good day
    flowers
    x
    Thank you @~FlowerPot~ I really appreciate you reading and following along :)  Allocating a chunk for mortgage overpayment seems sensible, I will include it in my considerations. 
    LMD x
    Life gets in the way...PADding is addictive...Saving's better than spending...
    2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017
    Sealed pot 2025 £5678 | EF £1000/£1000 | Sabbatical £3188/£6000 | Travel savings £1924 | Sinking pots £2126
  • Every little helps with the mortgage overpayments, even if it does feel like a huge mountain to climb.

    The extra £106 a month we are overpaying on ours knocks 1 year and 3 months off the remaining term. 

    We will be looking to increase our over payment further in July when I get my second cost of living rise.
  • Every little helps with the mortgage overpayments, even if it does feel like a huge mountain to climb.

    The extra £106 a month we are overpaying on ours knocks 1 year and 3 months off the remaining term. 

    We will be looking to increase our over payment further in July when I get my second cost of living rise.
    That does seem to support my little bits making a difference theory RS, thanks :)
    Life gets in the way...PADding is addictive...Saving's better than spending...
    2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017
    Sealed pot 2025 £5678 | EF £1000/£1000 | Sabbatical £3188/£6000 | Travel savings £1924 | Sinking pots £2126
  • A Vinted payment has hit the bank this lunchtime so I’ve sent another £18 to the card 
    LMD x
    Life gets in the way...PADding is addictive...Saving's better than spending...
    2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017
    Sealed pot 2025 £5678 | EF £1000/£1000 | Sabbatical £3188/£6000 | Travel savings £1924 | Sinking pots £2126
  • Morning all, it’s a clear and sunny morning here after the rain yesterday, which is unusual as I’ve washed my hair 🤣

    I had another Vinted payment in the bank this morning so I’ve sent £25 to CC7 as my PAD. Hubby has been paid today and he has his pay increase and some back pay so he’s happy. Today isn’t a NSD as I’m meeting my friend for lunch and I’m very much looking forward to that.

    I’ve a busy day ahead, seems my norm these days. But at least the time passes quickly. I’ve the housework to do tonight which will probably be as much of a work out as last night’s gym session lol.

    Hope you all have good days! 
    LMD x
    Life gets in the way...PADding is addictive...Saving's better than spending...
    2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017
    Sealed pot 2025 £5678 | EF £1000/£1000 | Sabbatical £3188/£6000 | Travel savings £1924 | Sinking pots £2126
  • LittleMissDetermined
    LittleMissDetermined Posts: 9,606 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Photogenic
    edited 23 February 2023 at 9:07PM
    Final vinted payment has just landed so I've sent £22 to CC7 just now.  Nothing else is available to cash out on Prolific, but £15 pending approval.  Prolific has been quiet for me today, but I'm certainly not complaining given the bumper hauls I have had lately!
    LMD x
    Life gets in the way...PADding is addictive...Saving's better than spending...
    2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017
    Sealed pot 2025 £5678 | EF £1000/£1000 | Sabbatical £3188/£6000 | Travel savings £1924 | Sinking pots £2126
  • I’ve sold another item, £40 this time and I’ve sent the money to the credit card 
    LMD x
    Life gets in the way...PADding is addictive...Saving's better than spending...
    2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017
    Sealed pot 2025 £5678 | EF £1000/£1000 | Sabbatical £3188/£6000 | Travel savings £1924 | Sinking pots £2126
  • You're really on a roll today :)
    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £28,744....its going down

     Mortgage Free December 9th 2024! 
    18mths ahead of schedule.  Since 2022 we paid over £15K in OPs.

    Challenges

    EF #68  £450/£3000
    .
    Fiver Friday '25 #10 £15

    Studies/surveys  July £72.46

    Decluttering items 750

    Books read    12
    Jigsaws done  8

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


  • You're really on a roll today :)
    Got back from posting the last parcel and something else has sold! Going to have to wait til tomorrow now though.

    I’ve only just realised I’ve broken the £3k barrier too!
    Life gets in the way...PADding is addictive...Saving's better than spending...
    2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017
    Sealed pot 2025 £5678 | EF £1000/£1000 | Sabbatical £3188/£6000 | Travel savings £1924 | Sinking pots £2126
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