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Adventures and Overpayments
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Our online account has finally updated to show yesterdays direct debit payment and we’re in the £230ks. When the interest goes on mid-January it will probably tip back into £231k so I might try to make a small op to bring it back down again.MFW diary Adventures and Overpayments
Mortgage start: £240,945 Aug 2020
Mortgage now: £230,738
2021 OP total: £605.85 1 month off approx
MFW 2022 #39 £135.68/£12003 -
Yay! Another £25 win on the PBS 😃MFW diary Adventures and Overpayments
Mortgage start: £240,945 Aug 2020
Mortgage now: £230,738
2021 OP total: £605.85 1 month off approx
MFW 2022 #39 £135.68/£12002 -
DH pointed out we’ve actually won two lots of £25 today so £50 in total! We also had £25 last month so £75 altogether which is equivalent to 0.378% interest so far!MFW diary Adventures and Overpayments
Mortgage start: £240,945 Aug 2020
Mortgage now: £230,738
2021 OP total: £605.85 1 month off approx
MFW 2022 #39 £135.68/£12003 -
Well done on the win.
Thanks for caring. I have stayed negative so far and DD seems to be on the recovery phase. So anxiety reducingAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £3K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.6K updated 6/7/252 -
Thanks @savingholmes ! I will try to have a catch up on your diary later this evening 🙂
It's been a spendy couple of days in the Chicker household:
Our Ama5on subscribe and save came to £43.59 of boring household items including bin bags and toothbrush heads. I had checked and switched all items to the cheapest option and basically put everything we were going to need in the next few months into the one order to benefit from the maximum 15% discount.
Yesterday I went to the dentist for the first time in 2 years and I was sooo nervousLuckily all is good and we had a good chat about options for my dead front tooth. I plan to try another one that is closer to get another quote mainly because this one involved a 45 minute drive and £3.20 car parking! Private dentist so £75 and I really need to put us on the waiting list for an nhs dentist since ours closed before Christmas.
Also need to pay DH's tax bill!!
In better news:
I contacted S@ntander about missing cashback on our 123 account and was told we'll get it next month due to the bank holidays at the beginning of the month.
Our food and petrol credit card direct debit came out at £12 less than I expected - no idea why but I will pop this in savings if it's still there at the end of the month.
£10.15 claimed from prolific and now safely in my extra income pot.
Low sugar is not going as planned as I sit here next to an open box on toblerone
Righteo, need to go and wake up DD so we can play outside in the howling wind
Chicker 🙂
MFW diary Adventures and Overpayments
Mortgage start: £240,945 Aug 2020
Mortgage now: £230,738
2021 OP total: £605.85 1 month off approx
MFW 2022 #39 £135.68/£12003 -
Glad dentist went well. Toblerone sounds tasty - I just ate choc orange bar. Well done on the surveys and savings.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £3K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.6K updated 6/7/251 -
Must have been the day for it. I munched through a whole bag of chocolate yesterday.DFW (08/08) £64,346.53 Gone (02/19)
MFW (08/08) £118k Gone (09/23)2 -
Hello Chicker! Just caught up with your doings.
I hope DD is recovered now?1 -
Hmmm I replied earlier but it’s gone?!savingholmes said:Glad dentist went well. Toblerone sounds tasty - I just ate choc orange bar. Well done on the surveys and savings.debtfreeoneday said:Must have been the day for it. I munched through a whole bag of chocolate yesterday.Alchemilla said:Hello Chicker! Just caught up with your doings.
I hope DD is recovered now?MFW diary Adventures and Overpayments
Mortgage start: £240,945 Aug 2020
Mortgage now: £230,738
2021 OP total: £605.85 1 month off approx
MFW 2022 #39 £135.68/£12003 -
Glad DD is doing better. Jealous of the ferrero rocher!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £3K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.6K updated 6/7/252
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