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Third time's the charm...
Comments
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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 dayflowersx♥️ ♥️ ♥️🌸🌸🌸🌸🌸🌸🌸🌸Decluttering 2025 So far 403 / 2025
Decluttering 2024🏅🏅🥇🏅🏅🏅⭐⭐⭐🌸 DS2🏅🏅DD🏅🥇🌸
25 in 25 So far 1 /25
⭐My rambling savings Diary ~⭐2 -
Thank you @~FlowerPot~ I really appreciate you reading and following along~FlowerPot~ said: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 dayflowersx
Allocating a chunk for mortgage overpayment seems sensible, I will include it in my considerations.
LMD xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017EF £1000/£1000 | Sabbatical £3677/£60002 -
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.4 -
That does seem to support my little bits making a difference theory RS, thanksRelievedSheff said: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.
Life gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017EF £1000/£1000 | Sabbatical £3677/£60001 -
A Vinted payment has hit the bank this lunchtime so I’ve sent another £18 to the card
LMD xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017EF £1000/£1000 | Sabbatical £3677/£60004 -
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 xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017EF £1000/£1000 | Sabbatical £3677/£60002 -
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 xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017EF £1000/£1000 | Sabbatical £3677/£60004 -
I’ve sold another item, £40 this time and I’ve sent the money to the credit card
LMD xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017EF £1000/£1000 | Sabbatical £3677/£60002 -
You're really on a roll today
Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,084....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £850/£3000
.
Studies/surveys November £0
Decluttering items 1382/2025
Books read 20
Jigsaws done 18
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up1 -
Got back from posting the last parcel and something else has sold! Going to have to wait til tomorrow now though.Makingabobor2 said:You're really on a roll today
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...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017EF £1000/£1000 | Sabbatical £3677/£60003
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