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Learning to walk before I run
Comments
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I am late to the party (I would also have been Team Nowt 😀), but am loving the idea of the internet making my decisions for me. This could save me so much thinking time!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!!!6 -
I was mostly good. Had a bath and a shave and played computer games. Did some lackluster laundry as well but it was mostly the WM and the TD doing the work
£2.52 sin tax to my SIPP - still not won yon Euromillions5 -
I’m glad you got some downtime 😊
Wrangling laundry counts! Well it does for me!! 😉
KKAs at 15.01.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £222,084
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 6 books of target 52 in 2026 as @ 18th January
Produce tracker: £29 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.4 -
DD2 has threw up multiple times 🤦🏻♂️ FML4
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Oh no …. 😣edinburgher said:DD2 has threw up multiple times 🤦🏻♂️ FML
Good luck. Sounds like you are for a trying night …
KKAs at 15.01.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £222,084
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 6 books of target 52 in 2026 as @ 18th January
Produce tracker: £29 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.5 -
Oh Ed, I hope things settled down and you all got some sleep.Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days
'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway5 -
How are you all feeling this morning …?
KKAs at 15.01.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £222,084
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 6 books of target 52 in 2026 as @ 18th January
Produce tracker: £29 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.5 -
As is the style, DD2 is happy as a sandboy this morning and I'm like a half-shut knife. Was up 'til 00:40 doing laundry then fell asleep on the couch with the lights on. Woken up before 7 by the kids coming downstairs 😴5
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The joys of children 🤭. My DD was sick the other day and decided to do it in the sink (and leave it for me to find) rather than the toilet which was next to it..... She's 17...it doesn't get much better with age 🙈.
Hope you get some rest today and an early night later to make up for it.Emergency Fund goal - £717.77/1500
Weight loss goal 1 - 1/7 lb
Mortgage OP goal 2026 - £128.27/£4500
New Diary- https://forums.moneysavingexpert.com/discussion/6647063/investing-in-us-holidays-health-and-the-road-to-150k#latest7 -
Oh ed I hope you manage to restore your batteries somewhere along the line ☹️ I am glad that DD2 is feeling brighter though. Fingers crossed it was just one of those 'better out than in' things, and it doesn't pass to any other members of Fam. edinburgher.
Greying XGrocery Spend January 2026 £163.94/£300
Non-food spend January 2026 £12.32/£80
Bulk Fund 2026 Month 1/12 - £0/£1203
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