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Mortgage free by 2025
in Mortgage-free wannabe
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Just need to keep focused and hope nothing crops up that takes money away from op.
The local car boot has started up again so I'm starting to go through stuff and decluttering putting it all in the spare bedroom until the spring when the weather is a little more warmer and drier. Will go through clothes/shoes too as this is probably where I make the most money. I could put them on [email protected] but I really can't be bothered and find it a bit off a faff.
My sister is currently having a new kitchen fitted so I have just done a couple of loads of washing for her. They are coming over for dinner next week and luckily I have all ingredients, dessert, drink which is great.
I am waiting for a couple of refunds back to my cc. They take the money immediately when you make a purchase and then it feels like it takes ages to get the refund. I must check the cc account 200 times a day!!
Still raining and a little gusty here in Cambs but forecast looking better for this week.
Going to try to jump back on the healthy eating bandwagon again tomorrow. Wish me luck.
Finally received the refunds I was waiting for back to the cc. The balance is now under £70 so will pay that off on payday on Friday and try not spend on it. I may even put the cc in a plastic container with water in the freezer to stop me from using it. I did that for the whole of December and it worked!
I have a balance of just over £16 on my N3xt account which I will also pay off on Friday. Again, I am going to try not to use the N3xt account until at least the end of March.
The healthy eating thing didn’t really work out yesterday so trying again today. We have our holiday booked for June and approx. 3 stone to get rid of! I have a menu planned for the rest of this week and getting a food delivery tonight. Being organised is key to staying on track so let’s see how the rest of this week goes.
NSD Sunday and yesterday and I don’t think I will be spending anything else today as I don’t plan on going near shops and have everything I need.
Storm Franklin has moved on and luckily all fence panels are still standing and present. Looking forward to spring when i can get out into the garden and have a tidy up whilst topping up the vitamin d – it’s amazing what a difference the effects of the sun can make.
Three more days till payday and op day!
Just realised I have the MOT for my car coming up in May. I just hope it doesn’t need too much work. I really want it to last until the middle of 2025 when I plan on having the mortgage paid off and then I can thing about a newer car. It’s only a small two seater Smart car and does 200 miles a week which is a lot for such a small car with such a small engine. In the last few years it has had new tyres and brake pads and discs and also had part of the exhaust replaced so I’m hoping it won’t need anything costly.
I checked DH MOT too and realised it ran out in October 2021! He WFH so doesn’t use it much. Luckily, the garage could squeeze his car in the next morning.
It is payday today so made an op of £600 to the mortgage account. The balance now stands at approx. £68,070. I would like it to be under £60k by the end of July which is doable if I don’t decide I need a whole new wardrobe or the car needs money throwing at it. Let’s wait and see...
Going to pop to the two charity shops we have in the village to see if I can pick up a men’s black blazer, for me to be worn slightly oversized – cheaper than buying brand new and all the rage right now, don’t you know!?!?
Need to clean the house this weekend and do a couple of loads of washing. Got my sister and her family over Sunday for spag bol which will be nice.
The forecast is looking cold but very sunny here in Cambs this weekend so lots of walks with the fur baby and may take myself off on a couple of longer walks whilst DH works on the garden whilst the weather is dry.
Enjoy the weekend whatever you’re doing!
Current (Apr 22): £168,307
MFW start (Feb 22): 14y 8m (Oct 36)
MF goal: 9y 9m (Dec 31)
Feb 22: £500.00
Mar 22: £446.50
Apr 22: £250.00
OP 2022: £1,296.50/£5,000
OP Total: £1,296.50
The monthly mortgage payment came out this week and I also drew some profit (£999) from our BTL account and paid that off our mortgage too. The balance now stands at £66,126.46 - on track for July 2022 target. No more op now until next payday on 25th March – going to have to go cold turkey until then!
I’m really focused on op on the mortgage. It’s just a shame I can’t focus on not spending money on ‘nice’ things for myself and clothes. I don’t need most of the things I purchase but I ‘need’ them! I tried to freeze the cc but still found a way to put stuff on it whilst it hid in the freezer. I have worked out I have spent £400 that I didn’t budget for and stuff I didn’t really need and that is in the last week – this has to stop. I may need to pay off the cc and get rid of it. Dh has one in case of an emergency so no need for mine.
Except for an appointment for a top-up of my semi-permanent eyeliner (dh pays for this for my birthday), It’s going to be a quiet, no-spend rest of the week.
I have a few birthdays and Mother Day coming up this month. We have a separate account that all that comes out of that dh puts away a set amount each month. He also does this for Christmas so we don’t have an expensive November/December.
I may go a bit quiet for a couple of weeks but the cogs will still be turning. My aim is to not spend any more on the CC or purchase any clothes this month and to figure out how to pay the cc...
Been on a mission to reduce some bills this week. Utilities are going up yet I haven’t had a pay rise for a number of years now.
I took a water meter reading last week and submitted to my water supplier. The last time a reading was taken, ds and his girlfriend were living with us, also, we had just spent 8 weeks watering in the new lawn. With the new reading, I have managed to reduce the monthly payments from £52 per month to £36 per month. A worthwhile exercise which took me 5 mins.
Dh has managed to reduce boiler/appliance cover with supplier by a few pounds and also reduce the broadband/phone line monthly payments. He is going to try to see if he can get a good offer for the house insurance as that is up for renewal soon.
I have my car insurance renewal coming up so will shop around for that and Ds will need to renew his car insurance in June/July so we will help him shop around as he is still new to things like this what with only being 19.
Will spend next few days seeing where else we can save a few pennies but so far, I think we have done well.
It’s nearly Friday peeps – have a good weekend!