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Learning to walk before I run
Comments
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Err, that is what this site is for....🤣edinburgher said:Excuse the personal finance logorrhoeaMortgage 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!!!9 -
Woohoo! Glad you have it and I am sure will make the right decisions on how to spend /save itedinburgher said:Afternoon all, it's glorious !
DD2 is 3 and I found out about a £6,000 windfall yesterday. I am feeling very lucky
DON'T BUY STUFF (from Frugalwoods)
No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff. Money doesn’t walk out of your wallet on its own accord.
https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest6 -
Windfall safely receivedAbout 12% spent on fun and/or sensible things (including a £65 OP), the rest has gone into my savings account with the highest interest rate. No rush to determine what to do with the rest.DD1 will be 10 at the weekend, looking forward to the carnage and the dust settling on our spendy month!6
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Gosh ed double figures! I remember the day DD1 was born. MrsE was still in labour when we went out, and by the time we returned you were parents! 🥰DD1 will be 10 at the weekend, looking forward to the carnage and the dust settling on our spendy month!
Greying XPounds for Panes £7,705/£10,000 - start date Dec 2023
Grocery Spend November 2025 - cash £10.85/£150 MrS vouchers £0/£59
Non-food spend November 2025 £12.89/£50
Bulk Fund November (month 11 of 12) £12/£35.206 -
Wow 10 years already? that's flown.. Happy birthday to DD1
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@Greying_Pilgrim - DD1's birth was fun. A highlight was driving through red lights in Govan at 50 miles an hour praying I wouldn't get arrested
It was also silly o'clock in the morning at the time.
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10?! How in the world did that happen??? Hope she has a fabulous bithday!4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)(With heartfelt thanks to those who have gone before us & their indubitable generosity.)...and now I have a mortgage! (23 AUG 2021)New projection - 14 YEARS 7 MONTHS LEFT OF 20 YEARS (reduced by 17 mths)4
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If you'd have been pulled over, surely you would have had an escort - under blue lights - straight into the maternity wing??? The coppers would have got a thrill out of that, and you'd have been on one of those "action, lights, Polis" type progs 6 months later 😂edinburgher said:@Greying_Pilgrim - DD1's birth was fun. A highlight was driving through red lights in Govan at 50 miles an hour praying I wouldn't get arrested It was also silly o'clock in the morning at the time.
My trip to maternity was with DH keeping to all speed limits 😬, and because I had to go to the 'new' hospital across the way, we had to negotiate every.single.roundabout. 😬 Seatbelts and swaying are no fun in labour 😬🫤 albeit (and thankfully) I wasn't in active labour and at least my waters didn't break in the car 😂
Hope Fam. edinburgher have a spiffing weekend together.
Greying XPounds for Panes £7,705/£10,000 - start date Dec 2023
Grocery Spend November 2025 - cash £10.85/£150 MrS vouchers £0/£59
Non-food spend November 2025 £12.89/£50
Bulk Fund November (month 11 of 12) £12/£35.206 -
Ten years, how those have passed (I remember baby 1 arriving in world of MSE) How different life is now for so many of us.Made it to mortgage free but what a muddle that became
In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!6 -
I have purchased a couple of lottery tickets this week, Euromillions appeals Vs the general dullness of work. Paid a fiver into my SIPP as a sin tax, topped up to £6.25 by gummint.
*Edit: just noticed there's a £2 bonus on a £10 spend at Topcashback today 👍🏻
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