Mrs S…on the road to financial freedom

245

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  • greent
    greent Posts: 10,670 Forumite
    First Post Name Dropper First Anniversary Photogenic
    I've just found your diary - welcome to mfw :) 

    We had almost a year where all we op'd each month was 5.94 - which was our mtge payment rounded up - it was important to me to still OP, however small it was - it does all add up :) 

    Glad the date went well :)
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NIL
    Net sales 2024: £20
  • savingholmes
    savingholmes Posts: 27,324 Forumite
    Name Dropper First Anniversary Photogenic First Post
    Great news on the refund. Well done on the weight loss. 

    On the tiles - My tile paint is also wearing off - 2 years on which is a bit disappointing. It only seems to be around the bottom edges where they get wiped more - mostly near the sink and the hob which I suppose is understandable. I'm worried I may need to repaint the lot though. Ah well!
    Achieve FIRE/Mortgage Neutrality by mid 2030
    1) MFW Nov 21 £201,999 with 237 payments to go - now £184,341 Equity 26.26%
    2) Spend on handyman & external building works & new patio door £11.9K
    3) CC £3.7K on 0% spends card but offset by £34K savings (part EF, part future home improvement)
    4) Mortgage neutral by June 2030 AVC £9.6K/£127.5K AVC target 7.5% value @15/4
    5) FI Age 60 annual income target £13.7/30K 45.7%
  • Hi Mrs Save, sounds like you have a great plan and budget in mind, any OP will make a huge difference in the life of a mortgage, no such thing as a small OP! You do so well with your food budget, I am pants in this area and food shops and adhoc shops are one of my biggest downfalls! I love that you have a holiday pot, it is so important to be able to still do fun things!
  • savingholmes
    savingholmes Posts: 27,324 Forumite
    Name Dropper First Anniversary Photogenic First Post
    I found tile paint made a huge difference in my kitchen. Just keep a watch out near your hob and sink - as 3 summers on - mine is starting to peel there. I keep the tin though so will just try and peel the tile off evenly and then recoat at some point.
    Achieve FIRE/Mortgage Neutrality by mid 2030
    1) MFW Nov 21 £201,999 with 237 payments to go - now £184,341 Equity 26.26%
    2) Spend on handyman & external building works & new patio door £11.9K
    3) CC £3.7K on 0% spends card but offset by £34K savings (part EF, part future home improvement)
    4) Mortgage neutral by June 2030 AVC £9.6K/£127.5K AVC target 7.5% value @15/4
    5) FI Age 60 annual income target £13.7/30K 45.7%
  • juliejim
    juliejim Posts: 7,943 Forumite
    First Anniversary First Post Combo Breaker
    Hope you're feeling better soon.
    NST #10 Steps 7K 2/30 10K 2/12 5 a day 3/30 NSD 0/20
    MBNA £5500
  • MrsSave
    MrsSave Posts: 1,817 Forumite
    First Anniversary Name Dropper First Post
    juliejim said:
    Hope you're feeling better soon.
    Thank you. It’s pretty miserable and feeling pretty rubbish but I have heard that so many people are suffering with this variant. I’m hoping by the end of the weekend things will be a lot better.

    Yesterday’s food shop came to £76.76. This left £23.22 in the food pot from what I had left last week. I moved £10 to the mortgage overpayment and have left the £13.22 in the food pot just in case (though I can't go anywhere so will only be if I run out of something and someone nearby picks it up for me….I should be ok though).

    I then cashed out £5 from EverUp so also added that to the mortgage overpayment pot. I now have £51.19 left to find for my August overpayment goal. I can’t decide whether to send the £15 to the mortgage now, or wait until I’ve got the full amount.
    Starting a new debt free journey
    Starting Debt: £5,250
    Current Debt: £4,995.50
    Amount Paid: £254.50 Percentage Paid: 4.84%
    Emergency Fund: £350
  • greent
    greent Posts: 10,670 Forumite
    First Post Name Dropper First Anniversary Photogenic
    If your interest is calculated daily send it now :)
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NIL
    Net sales 2024: £20
  • savingholmes
    savingholmes Posts: 27,324 Forumite
    Name Dropper First Anniversary Photogenic First Post
    Hope you feel better soon.
    Achieve FIRE/Mortgage Neutrality by mid 2030
    1) MFW Nov 21 £201,999 with 237 payments to go - now £184,341 Equity 26.26%
    2) Spend on handyman & external building works & new patio door £11.9K
    3) CC £3.7K on 0% spends card but offset by £34K savings (part EF, part future home improvement)
    4) Mortgage neutral by June 2030 AVC £9.6K/£127.5K AVC target 7.5% value @15/4
    5) FI Age 60 annual income target £13.7/30K 45.7%
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