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Walking into another chapter ...

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  • beanielou said:
    I think for our mums it is because they were war babies & had so little.
    Mine is the same.
    Says absolutely Nothing. 

    *looks innocent* 
    Nevertheless she persisted.
  • SO impressed by your ability to get !!!!!! done Benben. Really. You are a bloody inspiration! 

    Great news on the fund!! Can't believe after all this time you still find ways to make extra money 

    XXXXX
    Nevertheless she persisted.
  • benbenandme
    benbenandme Posts: 12,347 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Photogenic
    Thank you Buffy, this summer has been quite a productive one although I have missed my beach time due to the weather :(

    This morning I have been and had my nails done, I've got half an hour then need to take the car for its MOT ...
    Mortgage Total: £51,549 / £75,000
    Mortgage Overpayments Pot £1079
  • benbenandme
    benbenandme Posts: 12,347 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Photogenic
    And the car passed :) Nothing to worry about at all, they just recommended I clean the headlights with some toothpaste :)
    Mortgage Total: £51,549 / £75,000
    Mortgage Overpayments Pot £1079
  • EssexHebridean
    EssexHebridean Posts: 24,424 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    And FINALLY I get around to reading through your diary! Great work on the car passing the MOT test and the summer holiday money making challenge too - that's astonishing, clearing out all the card stock must have given you so much space, too! 

    Following along... 
    🎉 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
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • benbenandme
    benbenandme Posts: 12,347 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Photogenic
    Hello EH :)

    So this afternoon I found a random tin of woodstain in the garage, no idea when I bought it but that has been all used up painting the garden table and chairs :) I don't think that was a job on the list as I was thinking of skipping them, but I reckon I might get one more summer out of them. 

    I've had an early dinner as I was hungry - chicken kiev, chips and sweetcorn, and am going to go and have a bath now then potter around making sure everywhere stays ship-shape indoors :)
    Mortgage Total: £51,549 / £75,000
    Mortgage Overpayments Pot £1079
  • benbenandme
    benbenandme Posts: 12,347 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Photogenic
    Morning, so overnight I was woken up a couple of times by the rain hammering down. Today is overcast and damp, so it seems the perfect time to get on with my financial audit. I want to feel in control of what's going on again financially, I need to sort through all my finance paperwork, then create a spreadsheet or a list of all my bills, which account they go from, which date, when the renewal is due etc. All paperwork has been gathered onto the dining table along with the laptop and a big mug of coffee :)
    Mortgage Total: £51,549 / £75,000
    Mortgage Overpayments Pot £1079
  • benbenandme
    benbenandme Posts: 12,347 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Photogenic
    Turns out there wasn't that much paperwork after all, nearly all online these days, but I did clear a bug chunk of it, then did a spreadsheet and checked renewal dates etc. I have also gone through all my Monzo pots and checked the interest rates - seems that rather than the rates going up they just stay at whatever rate you opened them at. But you can open as many new ones as you like, so I opened lots of new ones and transferred from the old pots, so they are now earning 4% instead of 1.8% I know I could earn more in other accounts but these are small pots that are accessed fairly regularly (eg. birthday/ Christmas fund, house maintenance, car maintenance etc).  

    I had a look at my pensions too, I don't really understand my school one, they are more confusing than regular ones, but think it's okay. 

    I also picked up the boots I ordered on Vinted, not sure if I mentioned them? I bought two pairs a couple of weeks ago - basically I had decided to buy some slippers for the winter to keep my feet warm. Saw some I liked in Tesco for £18 but didn't get them yet. Then had warm memories of my Ugg boots many moons ago, and while I wouldn't wear them out these days I thought they would be fabulous as slippers indoors. Anyway, went on Vinted and found some Emu boots (very similar to Uggs, just not as trendy), brand new for £18. Ordered them and they arrived and are wonderful. Also found another pair of brand new Emu boots, brown leather, sheepskin lined, this time £22. They came today and I am in love :) So £40 for two pairs of brand new boots, very very happy and ready for winter :)
    Mortgage Total: £51,549 / £75,000
    Mortgage Overpayments Pot £1079
  • pixiechick99
    pixiechick99 Posts: 3,729 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    I absolutely love Vinted - browsing there is my new hobby😉 But, I have got a fair few new bits for school at a fraction of the cost it would have been in the shops. 
    I really need to sort out a new signature!
  • beanielou
    beanielou Posts: 95,599 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I love Vinted.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
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