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Learning to walk before I run
Comments
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Ed - you are so focussed on your family and their needs - if Munjaro has helped you in the way I think it has, would it not be worth budgeting for even if expensive? Happy spouse, happy house, applies to husbands too!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)Psst...I may have started a diary!6
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Or use the overtime/survey earnings to pay for it?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!!!4 -
At the risk of veering into politics, part of me can't stand the idea of paying more because of the capriciousness of one elected official
Once again, Americans are proving themselves to be unreliable trading partners. There's also my Scottish nature, which resents being squeezed for something that hasn't changed in quantity or quality 🤷🏻♂️
If a settlement can't be reached that offers less than £££ monthly increase I won't give up entirely, Wegovy would be the likely alternative. It's about 2/3 as effective. It's a wrench, however, as I'd need to come off all medicine for at least 4 weeks before changing.
In financial news, a few pence OPed, £2.52 sin tax paid into my SIPP and £7 from personal spends into my S&S dividend pie. Changes coming to the world of SIPPs etc. Hopefully in about 5 week's time.3 -
Wegovy are planning to launch a stronger dose later in the year which should be similar to Mounjarow. We are keeping an eye on it.2017 - mortgage of £140,000 and interest rate of £10 a day
Feb 2021 mortgage of £103000
May 2021 mortgage of £100000
July 2021 mortgage of £97000
November 2021 mortgage of £93000
July 2022 mortgage of £84000
December 2022 mortgage of £79000
December 2023 mortgage of £73000
March 2024 mortgage of £70000
May 2024 mortgage of £68000
October 2024 mortgage of £65000
February 2025 mortgage of £63000
March 2025 mortgage of £45000 and interest of £6.07 per day5 -
Thanks @AgathaSquirrel - I currently have another 4 weeks of Mounjaro - hopefully enough time to see what happens when the dust settles. My existing chemist is only filling orders for existing customers, so that's something 🤞🏻4
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Could you get a couple of pens from 2 alternative suppliers to keep you going? I see that some people change suppliers every month or so, chasing the best pricesI am the master of my fate; I am the captain of my soulRepaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NILNet sales 2024: £205
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I think that ship has possibly sailed @greent - a lot of places have sold out as people try and stock up6
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Went to IKEA as it was air conditioned and to get some glass storage containers for food. Left £126 lighterIn fairness, I'm 42, probably time I owned a bread bin.£9.83 OPed and £2 from personal spends paid into my SIPP. Get paid on Tuesday, can't wait!5
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I thought 42 was the meaning of life - are you now saying, it's owning a bread bin, from.... ikea 🤔
Apologies to a fans of HHG2TG.
Greying XPounds for Panes £7,705/£10,000 - start date Dec 2023
Grocery Spend October 2025 £62.38/£200
Non-food spend October 2025 £2.87/£50
Bulk Fund October (month 10 of 12) £0/£35.206 -
I’ve had several bread bins in my life. All of them rehomed to CS’s as I just can’t seem to get the hang of them … 🤷♀️😂 Totally relate to going shopping to experience air-con … 😉
Yaay for Tuesday 😊
KKAs at 15.09.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £230,969
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 56 books of target 52 in 2025, as @ 4th October
Produce tracker: £417 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.5
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