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Learning to walk before I run
Comments
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You sound like you have a really positive forward momentum at the moment 😊
Yaay to Mrs E’s pay rise 😊
How do you track your home equity? Something like estimated market valuation v. remaining mortgage?
KKAs at 16.10.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £209,304
- OPs to mortgage = £20,603 Estd. interest saved = £10,635 to date
c. 18 months reduction in term
Fixed rate 3.85% ends October 2030
Read 80 books of target 52 in 2026 as @ 7th November.
Produce tracker: £356 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.8 -
@KajiKita - thank you 😊 re. Home equity, it's lender's valuation Vs actual mortgage7
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Those survey earnings are epic, Ed 👍 And there was me chuffed with £36.90 from Prolific!Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!7 -
Impressive month Ed, good to hear you sounding cheerful! 😊7
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Happy weekend all
- 70p savings interest for February (main interest comes from T212 on the 3rd)
- £9.51 OPed (Sat and Sun)
- Barclaycard bill paid
- Money sent to Tax Free Childcare (£432, I'll not miss that one come the summer)
I know we're infinitely luckier than many with that bill, but it's c. 9% of our net income and that hurts!
7 -
£2 from a Y Live survey, submitted FIT readings but not received a bill yet, guessing they owe me £35?
Sitting at the back of some light industrial units with a real "EastEnders" vibe, DD2 at a birthday party nearby. Gave one of her pals a lift, so a wee bit of social capital to offset the 35-minute drive here
6 -
Treasure that family time. I am. until it is threatened, I think we all take it a bit for granted. Right, off to make low-fat minced beef for supper!Save £12k in 2026 #2 I have banked £10,836.47 in 9 months, against a £10k target The Save £12k in 2026 thread is here
OS Grocery Challenge in 2026 I have a £3000 annual budget for 2026 - currently £2270.73 to the end of Oct
I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the grow your own in 2027 thread brand new and sparkling - feel free to join us and say what and how you are planning
My keep within our budget diary is here7 -
Feeling a bit scunnered after that - 4+ hours for a party that took 90 minutes. They never gave them lunch (McDonald's detour), then we spent over an hour getting home in football traffic jams. Oh, and a woman vomited out the back of a car directly in front of us 🤢
£39.22 received from solar panels8 -
Wow scunnering on so many levels, hope the rest of the weekend is better7
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Daytime vomiting 😱 Can we tell ourselves she had food poisoning, or is that being too generous???Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!7
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