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Pay off mortgage and start having even more fun 😁
Comments
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It's very generous of you to offer to pay, but I don't think you should feel like you have to! If you hadn't offered a lift, they still would have had to get back somehow, so they're not really any worse off. If they can afford to go away, they can afford an uber!
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!!!5 -
He has indeed refused my offer of paying for an uber late last night 😆 I might send over something towards it anyway 😬
We are off to the tip first thing follwed by a trip to the big yellow and blue store that you get lost in. Going to get there for “browsing time” when it opens, we will have a quick breakfast and leave before the crowds hopefully. I am after storage for the shed, dh did a tiny amount of clearing yesterday and if we can organise what we want to keep properly it will be a big step forward. I only want to keep stuff thats been assessed, stored on shelves and labeled clearly, rather than the bin bag and ripped cardboard chuck it in fest we currently have.Looks like we may be rehoming one of the smaller garden sofas to ds1, the rest of the set I’ll see if my friend wants for her garden, we don’t need all the seating we have in our small garden really. Next on the list is the hot tub, theres no way of getting it out without a crane now which would be a couple of thousand 😳 so it needs to be broken down which is shame as it still works but we don’t use it and its probably about 18 years old now, the lid is so full of water I can’t lift it off to use it on my own anyway. Dh is very much avoiding wanting to sort it out but its really got to go now, hopefully we should be able to recycle the innards at least.
Time to get up and get another wash on, lots done yesterday which is still outside!
MFW 67 - Finally mortgage free! 💙😁6 -
How's the house next to you? And the factory tenants?
Dxx
22: 3🏅 4⭐ 23: 5🏅 6 ⭐ 24 1🏅 2⭐ 25 🏅 🥈2⭐ 26 🥈 Never save something for a special occasion. Every day is a special occasion. The diff between what you were yesterday and what you'll be tomorrow is what you do today Well organised clutter is still clutter - Joshua Becker If youre not already using a thing you won't start using it more by shoving it in a cupboard- AJMoney The barrier standing between you & what youre truly capable of isnt lack of info, ideas or techniques. The secret is 'do it'2 -
Hi Daisy, the factory tenants I’ve no idea about but as far as I’ve not asked dh if they have paid the next month 🫣 I am not on top of things at the moment, I will message him right now and ask! As for the neighbours, they are still up for sale and the home she is buying is now back up for sale instead of showing as SSTC so I guess they have got fed up waiting for her to sell 😳 fingers crossed she does!
Today I’m going to clean and “dress” the back bedroom dh painted white weeks ago. Ds2 came and took the wardrobe and one set of drawers from there at the weekend (I said he could have them months ago but he’s only just decided to take as I was about to fill them 😆) I’ve a table lamp, a rocking chair (dils but they don’t have room) some curtains (vinted £2.50) and an original painting that was my grandparents that got smashed, which I need to reframe with a cheap frame from B&M if it fits, thats about it, not a lot for a fairly decent sized bedroom 😆 dh wants to get a spare bed, but I’d rather put our very very old bed in there and get a new big bed for our room, but I don’t want to buy a big bed now incase we move and it does’nt fit. I’ve always a reason to not make decisions 🤣
Financially, dh is now back to paying money from the business monthly, this month so far I have paid £1000 off one of the zero cards and will pay another £800 off I think , unless we steal a little for a night away over easter 🙄 the food budget has yet again run out already and it needs to last until the 4th April. I think this is down to my current disorganisation and tiny expensive top up shops with not much to show for it, plus the fact its kind of the everything but personal spends pot too, so I either need to get my act together with meal planning or up the budget 😏MFW 67 - Finally mortgage free! 💙😁3 -
Or leave the food one as is and create a line/pot/category for whatever it is thst you spend that isn't food? That way you get a better picture than just a lump going out every week or month.
Id never go away from having our food/messages type of category that goes as a standing order weekly to a joint account. Every Wednesday a new amount goes in, anything left in my purse goes into a giant ex-vodka bottle, anything left in the account just rolls over to the next week, so if we need a bit more, maybe we need petrol or a bigger shop, hopefully its covered. Could never go back to trying to organise that monthly, 4 weeks months, 5 week months, bank holidays - much easier to budget weekly.
Dxx
22: 3🏅 4⭐ 23: 5🏅 6 ⭐ 24 1🏅 2⭐ 25 🏅 🥈2⭐ 26 🥈 Never save something for a special occasion. Every day is a special occasion. The diff between what you were yesterday and what you'll be tomorrow is what you do today Well organised clutter is still clutter - Joshua Becker If youre not already using a thing you won't start using it more by shoving it in a cupboard- AJMoney The barrier standing between you & what youre truly capable of isnt lack of info, ideas or techniques. The secret is 'do it'1 -
Hmmm, thats something to think about Daisy, perhaps a good idea for me to switch to 🤔 Yesterday I decided we have no food and I also needed Easter eggs so I went to the big mr t which I used to visit on the way home from work, what a nightmare 😱 wow it was rammed it was a shock seeing some prices, I didn't have a list or plan and everything had changed, there was even a new shop (Health supplements) inside the shop.
I hate food shopping and have decided I may start getting a regular delivery plan again. Some bits may be slightly dearer than l!dl but I often do a little top up in m@rks, plus we always seem to have the minimum food in to get by, I’d like to prioritise eating a broader range of things and trying to find some joy in at all again. I think you may be right about keeping it separate Daisy.
Dh is at work doing a health and safety training thingy today and apparently he will be paid for it, although he had last Friday off for a funeral so I took a days pay from the self paying pot to cover that so I shall pop this extra back to the pot. Not feeling great today tummy wise so will have a fairly lazy day and just get the washing done and hung out in the sun. I did clear the bedroom yesterday and it looks very white and fresh 😬 just the rest of the house to go now!Oh before I forget, there were two separate viewings for next door yesterday afternoon, I heard them in the garden while sorting the back bedroom, fingers crossed!
MFW 67 - Finally mortgage free! 💙😁5 -
Omg how can you go to a supermarket without a list ? 😱 😆 🤣 😂 id never cope, i need my list built up since last shop (with PLASTICS writ large across the top and occasionally we do look at that and actually remember to take the bag of soft plastic that has built up over the 5 times we've walked past it on the way out the door lol) and all the random stuff we are getting low on or are out of. I don't write everything down, fruit for example we would likely never have any left by the time we are next in a supermarket so just buy that by habit, but most other things I'd never remember, 'do we need beans?' for example led us buying regularly and having about 14 cans when we bothered to look properly 😕 🙄 but they'll get used up so no worry
Well done you entering any of these places without a list xxxx
22: 3🏅 4⭐ 23: 5🏅 6 ⭐ 24 1🏅 2⭐ 25 🏅 🥈2⭐ 26 🥈 Never save something for a special occasion. Every day is a special occasion. The diff between what you were yesterday and what you'll be tomorrow is what you do today Well organised clutter is still clutter - Joshua Becker If youre not already using a thing you won't start using it more by shoving it in a cupboard- AJMoney The barrier standing between you & what youre truly capable of isnt lack of info, ideas or techniques. The secret is 'do it'4 -
I am also a list person (starting to think Daisy is my secret twin 🤔). Without a list, I fail to remember items I buy every week, and even with the list I still manage to forget things and have to track back a few aisles to pick them up 🤦♀️
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 -
You sound like a very sensible person to be twinning with me (or very odd but odd in the same way I am so again, I'm gonna think that's sensible 😆 🤣 😂)
Dxx
22: 3🏅 4⭐ 23: 5🏅 6 ⭐ 24 1🏅 2⭐ 25 🏅 🥈2⭐ 26 🥈 Never save something for a special occasion. Every day is a special occasion. The diff between what you were yesterday and what you'll be tomorrow is what you do today Well organised clutter is still clutter - Joshua Becker If youre not already using a thing you won't start using it more by shoving it in a cupboard- AJMoney The barrier standing between you & what youre truly capable of isnt lack of info, ideas or techniques. The secret is 'do it'3 -
Hahaha @daisy_1571, went into two supermarkets without list yesterday and true to form forgot key items. Back to the shops this morning as need them today. We did run out of trolley space (we have one of those small beach trollies) and the kids are on holidays so not big deal but yeah shopping list is essential
2026 financial goals & challenges!
1). Mortgage (started Jan 2024) £99,186.79/ £122,400.00 Overpayment total: £1405.13 (Inc Sprive yr 1 & 2 o/p £70.93, £5.52 Natwest o/p & £55.34 reg monthly overpayment) Equity 31%
2). #47 Save 1p a day challenge 2026 £30/£780
3). £2638.90/£3000 - Investment ISA (32/50 investments)
4). CC debt - £21,259.04. Aiming for £19,999.99 31/12/2026
5). £257.66 / £1000.00 - EF
6). Lose weight, get fitter and read 12 books in 12 months in 2026. 2 out 12 COMPLETED3
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