Tilly Tidy 2022

GingerWarrior

 Chase £4.99

MTD £17.45

WinterWarrior

Good morning. You are all doing so well! I have updated my tilliying to mortgage total and also scraped some out of my accounts and into the Christmas pot. The Christmas pot is the hardest one to keep my mitts off as it seems so far away 😬

GingerWarrior

Thanks @WinterWarrior. Whilst I’m not in the same position as a lot of people in relation to debt, I have managed to focus on putting money away. I would love one day to have a home for my family that isn’t rented, but looking at how the cost of everything is going up at the moment (and no end in sight of when it’ll stabilise and come back down to better levels) I honestly don’t know if saving for a mortgage is the right thing

Breezyboo

£1.65 tidied today so total of £29.03

ladyholly

A pathetic £1.40 this week. (£26.65 in the save the change account).

moving_forward

ladyholly said:

A pathetic £1.40 this week. (£26.65 in the save the change account).

Hey every penny tidied is another one not frittered away. Not pathetic at all. I need to sit down tonight and do some tidying. Have fuel 😱 and a few groceries to buy first

WinterWarrior

GingerWarrior said:

Thanks @WinterWarrior. Whilst I’m not in the same position as a lot of people in relation to debt, I have managed to focus on putting money away. I would love one day to have a home for my family that isn’t rented, but looking at how the cost of everything is going up at the moment (and no end in sight of when it’ll stabilise and come back down to better levels) I honestly don’t know if saving for a mortgage is the right thing

It’s tricky, but personally I think a fully owned home is the safest thing to do with your money if you can. Yes there is cost and upkeep, but in the end it’s not likely to depreciate in value and it’s so ‘safe’. My aim is to pay off the mortgage before I retire so that we are safe…no one can move you on, increase your rent or dictate how many pets, the colour of your walls, etc. and even if retirement was very hard, there is still shelter you don’t have to worry about. Everything is going up, but so is rent and the end result for your money is worlds apart ⭐️

ladyholly

It was the best day ever when I could pay off our mortgage and know the house is ours ( well unless we need care as we get older). It isnt the grandest house out there and really does need work which we cant afford at least until the loan is paid but it is ours.

GingerWarrior

Chase £2.00

MTD £19.45

2Scratters

@ladyholly OH no  NO saving is pathetic. It is there doing its job and is not lost. There is comfort also in the fact you own your own home. As the loan is your focus AND some savings going on then all is good.