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We will get this debt down & the savings up
Comments
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Anything is better than nothing-check back and see
On the declutter journey since 2023 with Mrs SD. Tilly Tidy since 2023.1 -
Loving the level of help this place provides - so often when someone posts here that they are stuck on how to do something there is someone about who can provide the right info!🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
Balance as at 31/08/25 = £ 95,450.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her2 -
Thanks for the tips on Vinted. Yes I agree @EssexHebridean, everyone is so helpful here.
Just to say I am still here but AWOL for a few days as we are away in the Yorkshire countryside for a few days self catering...(very MSE). So not really done much MSE stuff, although I did just manage 1 survey on SB while I had breakfast. Don't seem to be getting any P/fc ones this week, but wondering if its 'cause they realise my IP address is different up here and not sending them?? Also still waiting for over £10 to approve with them from last week.
Anyway, off to make up the packed lunches now so we can go out for a nice walk. The sun is shining but very windy.
Have a nice day everyone and I'll catch up again very soon, we'll be back by the weekend.Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,304....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £650/£3000
.
Studies/surveys October £21.15
Decluttering items 1202/2025
Books read 18
Jigsaws done 11
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up3 -
Enjoy your holiday @Makingabobor2. We always take a big box of food with us when we go self-catering. We do eat out as well, but it saves such a lot making even half our meals at the cottage or apartment.
I also think PA has been slow this week. I've done a few, but most of my earnings total so far for March was from earlier in the month. Oooh, well, look, I've just said that & a survey has literally just popped up! Off to do it.
F x2025's challenges: 1) To fill our 10 Savings Pots to their healthiest level ever
2) To read 100 books (36/100) 3) The Shrinking of Foxgloves 8.1kg/30kg
"Life can only be understood backwards but it must be lived forwards" (Soren Kirkegaard 1813-55)3 -
Enjoy your jollies around my neck of the woods, there’s some beautiful scenery and great places to go xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017Sealed pot 2025 £7390 | EF £1000/£1000 | Sabbatical £3677/£6000 | Travel savings £1832 | Sinking pots £31072
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Have a lovely time!I get knocked down but I get up again (Chumbawamba, Tubthumping)1
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LittleMissDetermined said:Enjoy your jollies around my neck of the woods, there’s some beautiful scenery and great places to go xMaking the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,304....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £650/£3000
.
Studies/surveys October £21.15
Decluttering items 1202/2025
Books read 18
Jigsaws done 11
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up1 -
Makingabobor2 said:LittleMissDetermined said:Enjoy your jollies around my neck of the woods, there’s some beautiful scenery and great places to go xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017Sealed pot 2025 £7390 | EF £1000/£1000 | Sabbatical £3677/£6000 | Travel savings £1832 | Sinking pots £31072
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Sorry to have been AWOL for so long. We came home at the weekend, but a few things going on and didn't get round to much MSE stuff. Had a great time away, and can't wait to book the same lodge again. It really feels like a home from home.
So P/fc is looking good at the moment after a week of nothing. I think that it recognises you have a different IP address when you are away and doesn't offer you any studies, because I had nothing at all while away and loads as soon as we got back....very odd. Some are taking a while to approve though, but its like a savings pot. On the subject of savings pots, my EF may have to take a hit in the next few days, but it is what it is there for, so we'll see....hoping it won't be too bad as there isn't much in it to start with....lol. So due to needing some extra cash for something, I haven't been making many PADS or putting a lot extra in any other savings pots. But hopefully that will start to right itself after this week.
Waiting for the weather to improve as I want to get out in the garden and sow seeds. I do have a few to start off on kitchen window sill so might be able to get them in tomorrow maybe. On the house front, the decluttering is continuing, selling a few bits and donating to charity and putting some bits on free FB pages. One thing I do want to get rid of is a couple of ornaments that belonged to my grandma but TBH I don't find very attractive. She always said they had belonged to her mother or grandmother, so they are 19th century, as she was born in 1900. I've had them over 40 years and they just sit in a cabinet. Not sure where to try to sell them, don't think they are antique as no marks or names on them but as they are very old I was hoping they would at least fetch a few ££. If anybody has any ideas, let me know
Anyway, have a nice evening everyone and hopefully I'll have more exciting news soon.Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,304....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £650/£3000
.
Studies/surveys October £21.15
Decluttering items 1202/2025
Books read 18
Jigsaws done 11
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up2 -
In respect of your grandmas ornaments, it may be worth contacting a local antiques dealer.
Life gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017Sealed pot 2025 £7390 | EF £1000/£1000 | Sabbatical £3677/£6000 | Travel savings £1832 | Sinking pots £31071
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