Mrs S…on the road to financial freedom

MrsSave

greent said:

If your interest is calculated daily send it now

Good thinking…..Will send it over now. Thank you! 

girlatplay

Just delurking to say, when I was paying off my loans (and I know @joedenise did this with their mortgage) I sent over a payment every time I had extra cash.  The statements were looooong with lots of £1's and £2's, etc.  @joedenise was sending over 20p sometimes.  It's really quite addictive seeing the balance come down.

*goes back to lurkdom* 

MrsSave

girlatplay said:

Just delurking to say, when I was paying off my loans (and I know @joedenise did this with their mortgage) I sent over a payment every time I had extra cash.  The statements were looooong with lots of £1's and £2's, etc.  @joedenise was sending over 20p sometimes.  It's really quite addictive seeing the balance come down.

*goes back to lurkdom* 

Thank you! I can see how this would be motivating! I’ve sent my £15 to the mortgage and have updated my signature

savingholmes

Well done 

MrsSave

I have sent another £10 to the mortgage today which makes an overpayment of £97.29 since the start of July. I want to overpay another £41.19 this month to round the mortgage down.

Today’s overpayment came from the money leftover from this week’s food budget. I’m still positive for covid so haven’t been anywhere. I’m going to sort a click and collect for Friday (my positive was very weak today, and I will have passed day 10 by then, which is still the recommendation in Wales) for food for this weekend and some snacks for our holiday which should save some money on food there. I am unlikely to spend my whole food budget this weekend, and will then be away for 10 days so I should easily make my mortgage overpayment goal.

savingholmes

Glad you are feeling better. Well done on the OPs.

greent

Hope you're feeling much better and are having a lovely holiday!  

MrsSave

greent said:

Hope you're feeling much better and are having a lovely holiday!  

Thank you I’m feeling back to normal now thankfully and we had a brilliant holiday. I overspent, which I’m not surprised about to be honest! I still have a couple of transactions to come through on the clarity card so once I can see them I will finish working out the finances for it. It’s likely that I’ll need to dip into savings to pay everything off which isn’t ideal, but we had such an amazing time I have no regrets. 

My contract in work is changing to full time from next week so will be able to work on building the savings back up then. 

My food budget is looking very good as we’ve been away, so I’ve sent £41.19 to the mortgage to round it down to £104,600. I’m going to go food shopping this morning and then will send anything leftover to the credit card. I have found that £300 a month works well for our food shop, so £10 a day. Today’s shop will only need to last until next Tuesday as I have a delivery booked, so I’m going to try for £50 (but not going to worry if I go over).

I’m still waiting to hear about the transfer of deeds being completed. I’m hoping it will be soon! I might contact Enact in a couple of weeks to check the date they sent the documents through. 

MrsSave

Food shop done and it came to……£49.88. I did have 1 Christmas item in that shop too. For the past few years I’ve tried to add 1 Christmas item (or more) a week to my food shop and still stick to budget. This means when December comes I already have a few things ready. I usually keep track using a spreadsheet so will spend a bit of time this weekend updating last year’s one as things will be a little different this year as it will be just me and the boys for some, just me for most of the rest though my ex will spend Christmas day with us.

savingholmes

Glad you had a good holiday. Enjoy your weekend.

Christmas plans sound good.