Target 1) Prioritise health & social connection 2) Write regularly 51,745/70,000 words Book 2 and 10,787/70,000 Priestess book, 44,000/95000 Memoir Prep 3) Get to £10K EF/Savings Now £6,272 4) MFW starting at £201,999 Nov 21 with 264 246 payments to go. Now £190,335 5) Mortgage neutral progress via pension £3,687 invested since Nov 21 6) Declutter 7) Invest in fun and frolics - and not just future self! 8) CC Debt free April 22 (now stay that way!!)
Payday today so I have op'd £366. Balance now stands at £51,516.42.
Not much planned for November and going to try to keep it that way as I know December will be busy and expensive. I have started doing some Christmas shopping to help spread the cost. We save monthly from January so that always helps.
Looking at holidays for next year. The earlier I book the longer I have to save the money therefore I don't see it as such a big expense!
I am yet to put my heating on - it's still mild here in Cambs. In the six weeks i have had my airfryer, I have only had my oven on once and that was only on for 15 mins. I have made a list of meals where I only use the hob and/or airfryer so that I don't use the oven. It will be interesting to see my usage for October with the new price cap. I turned of the second fridge freezer, turned the boiler off when we went away for a week and not used my oven.
5lbs off in 10 days so back to pre holiday weight. Still got another 4 stone to go!
Enjoy the rest of the week!
Mortgage balance as of 21.7.21 - £75,766. (7 yr mortgage on 2 yr fix of 1.32%)Mortgage balance as of 20.8.22 - £58,445.08o/p 2021/2022 = £6,313/£7,500o/p so far 2022/2023 = £5,997/£5,997 Goal 1 - to be under 60k by 20.7.22✔️Goal 2 - to op 10% of mortg by 31.12.22✔️Goal 3 - to pay off mortgage by 7.1.2023 (Subject to sale of btl property)✔️Goal 4 - to pay off cc by end of Jan 2023 - £260.64/£1500Goal 5 - to pay off car loan by 31.8.23 - £1722.39/£10,000
I have not had my oven on since I had my 6 in 1...instant pot thing ... well done on the weight loss, I am jealous on your autumn sun holiday
I am choosing to be frugal to support some fabulous life changing and affirming financial goals Per month - from 19 th Apr 23 Track my NSD's - Target 16 days/month 0 so far Track my Grocery spending in GC thread £ /£145 and £29/30 bulk Track what I save in my hse deposit and SIPP in my signature Hse £0 Sipp £200 Track extra income from ebay etc £0 Track Minimalist game 1/31
Sounds like you are keeping the energy bills down too. Congrats on the OP - not long now until you are mortgage free!
Target 1) Prioritise health & social connection 2) Write regularly 51,745/70,000 words Book 2 and 10,787/70,000 Priestess book, 44,000/95000 Memoir Prep 3) Get to £10K EF/Savings Now £6,272 4) MFW starting at £201,999 Nov 21 with 264 246 payments to go. Now £190,335 5) Mortgage neutral progress via pension £3,687 invested since Nov 21 6) Declutter 7) Invest in fun and frolics - and not just future self! 8) CC Debt free April 22 (now stay that way!!)
Another 2lbs lost over the last 10 days - it's heading in the right direction.
October energy bill is under £90 for duel fuel. Switching the second ff off in the garage means I didn't notice the Oct price increase. Still have not put the heating on but we have used the log burner a couple of times this autumn. The second ff will need to go on for approx 4 weeks for Christmas food and drinks but I will switch it off again in January until May time.
After the monthly mortgage payment was applied to the mortgage the balance is £50, 571.63. By the end of December it should be around £49.5k which is roughly how much profit we should be left with when we complete on the btl. The sale of the btl is going slower than I hoped but dh is on the case. I'm hoping we complete by end of November, but realistically I think it may be end of December or even into January!
Mortgage balance as of 21.7.21 - £75,766. (7 yr mortgage on 2 yr fix of 1.32%)Mortgage balance as of 20.8.22 - £58,445.08o/p 2021/2022 = £6,313/£7,500o/p so far 2022/2023 = £5,997/£5,997 Goal 1 - to be under 60k by 20.7.22✔️Goal 2 - to op 10% of mortg by 31.12.22✔️Goal 3 - to pay off mortgage by 7.1.2023 (Subject to sale of btl property)✔️Goal 4 - to pay off cc by end of Jan 2023 - £260.64/£1500Goal 5 - to pay off car loan by 31.8.23 - £1722.39/£10,000
You are doing well overall. Scary how much difference individual appliances can make.
Best of luck with the sale
Target 1) Prioritise health & social connection 2) Write regularly 51,745/70,000 words Book 2 and 10,787/70,000 Priestess book, 44,000/95000 Memoir Prep 3) Get to £10K EF/Savings Now £6,272 4) MFW starting at £201,999 Nov 21 with 264 246 payments to go. Now £190,335 5) Mortgage neutral progress via pension £3,687 invested since Nov 21 6) Declutter 7) Invest in fun and frolics - and not just future self! 8) CC Debt free April 22 (now stay that way!!)
Yes my second ff has been off since May as I was going away so emptied it then and not switched back on My main ff is full though now. Need to eat down
Hope your btl sale goes thru ok - I am pausing my flat looking at present like many
I am choosing to be frugal to support some fabulous life changing and affirming financial goals Per month - from 19 th Apr 23 Track my NSD's - Target 16 days/month 0 so far Track my Grocery spending in GC thread £ /£145 and £29/30 bulk Track what I save in my hse deposit and SIPP in my signature Hse £0 Sipp £200 Track extra income from ebay etc £0 Track Minimalist game 1/31
We exchanged on the btl today and hope to complete on the 30/11. We should be able to pay off our mortgage on the 2nd or 3rd of December meaning mortgage free 5.5 years early.
I will then concentrate on paying off a small amount I have on my N3xt account, cc no. 1 and my car loan, in that order flowed by cc 2 which is on 0% for 12 months. Need to start saving for next year's holiday too.
Mortgage balance as of 21.7.21 - £75,766. (7 yr mortgage on 2 yr fix of 1.32%)Mortgage balance as of 20.8.22 - £58,445.08o/p 2021/2022 = £6,313/£7,500o/p so far 2022/2023 = £5,997/£5,997 Goal 1 - to be under 60k by 20.7.22✔️Goal 2 - to op 10% of mortg by 31.12.22✔️Goal 3 - to pay off mortgage by 7.1.2023 (Subject to sale of btl property)✔️Goal 4 - to pay off cc by end of Jan 2023 - £260.64/£1500Goal 5 - to pay off car loan by 31.8.23 - £1722.39/£10,000
Target 1) Prioritise health & social connection 2) Write regularly 51,745/70,000 words Book 2 and 10,787/70,000 Priestess book, 44,000/95000 Memoir Prep 3) Get to £10K EF/Savings Now £6,272 4) MFW starting at £201,999 Nov 21 with 264 246 payments to go. Now £190,335 5) Mortgage neutral progress via pension £3,687 invested since Nov 21 6) Declutter 7) Invest in fun and frolics - and not just future self! 8) CC Debt free April 22 (now stay that way!!)
Replies
Not much planned for November and going to try to keep it that way as I know December will be busy and expensive. I have started doing some Christmas shopping to help spread the cost. We save monthly from January so that always helps.
Looking at holidays for next year. The earlier I book the longer I have to save the money therefore I don't see it as such a big expense!
I am yet to put my heating on - it's still mild here in Cambs. In the six weeks i have had my airfryer, I have only had my oven on once and that was only on for 15 mins. I have made a list of meals where I only use the hob and/or airfryer so that I don't use the oven. It will be interesting to see my usage for October with the new price cap. I turned of the second fridge freezer, turned the boiler off when we went away for a week and not used my oven.
5lbs off in 10 days so back to pre holiday weight. Still got another 4 stone to go!
Enjoy the rest of the week!
well done on the weight loss, I am jealous on your autumn sun holiday
Per month - from 19 th Apr 23
Track my NSD's - Target 16 days/month 0 so far
Track my Grocery spending in GC thread £ /£145 and £29/30 bulk
Track what I save in my hse deposit and SIPP in my signature Hse £0 Sipp £200
Track extra income from ebay etc £0
Track Minimalist game 1/31
https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest
Sounds like you are keeping the energy bills down too. Congrats on the OP - not long now until you are mortgage free!
Another 2lbs lost over the last 10 days - it's heading in the right direction.
October energy bill is under £90 for duel fuel. Switching the second ff off in the garage means I didn't notice the Oct price increase. Still have not put the heating on but we have used the log burner a couple of times this autumn. The second ff will need to go on for approx 4 weeks for Christmas food and drinks but I will switch it off again in January until May time.
After the monthly mortgage payment was applied to the mortgage the balance is £50, 571.63. By the end of December it should be around £49.5k which is roughly how much profit we should be left with when we complete on the btl. The sale of the btl is going slower than I hoped but dh is on the case. I'm hoping we complete by end of November, but realistically I think it may be end of December or even into January!
Best of luck with the sale
My main ff is full though now. Need to eat down
Per month - from 19 th Apr 23
Track my NSD's - Target 16 days/month 0 so far
Track my Grocery spending in GC thread £ /£145 and £29/30 bulk
Track what I save in my hse deposit and SIPP in my signature Hse £0 Sipp £200
Track extra income from ebay etc £0
Track Minimalist game 1/31
https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest
I will then concentrate on paying off a small amount I have on my N3xt account, cc no. 1 and my car loan, in that order flowed by cc 2 which is on 0% for 12 months. Need to start saving for next year's holiday too.