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Dilemma, Dilemma, Dilemma

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  • Humdinger1
    Humdinger1 Posts: 2,297 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    Yes, cowboy hat strings are absolutely necessary! Have subscribed  and you're doing brilliantly! Onwards and upwards love Humdinger xx
  • Watty1
    Watty1 Posts: 6,838 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Hat strings. What a brilliant idea.  Thank you
    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
  • Queen_of_the_Hive
    Queen_of_the_Hive Posts: 1,191 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    edited 23 July at 9:25PM
    Hello Wednesday evening from a very warm Venice! 

    Having a really great holiday, enjoying turning off from the usual pressures for a little bit and not counting every penny.. Not very MSE! Plenty of time for that when back in blighty! 
    2025 financial goals & challenges!

    1). Mortgage (started Jan 2024) £106,630.42 / £122,400.00 Overpayment total: £904.60 (Inc Sprive yr 1 o/p £19.16 & £55.34 reg monthly overpayment) Equity 28%

    2). #7 Save 1p a day challenge 2025 £150/£780

    3). £2109.85/£3000 in Investment ISA (34/50 investments)

    4). Increase cash savings & saving pots

    5). Keep debt to a minimum.

    Favourite quote: 'Life is like a box of chocolates, you never know what you're gunna get!' Forrest Gump
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,410 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Oh how lovely! Hope you have a wonderful time. And I mean how far wrong can you go with spending on a small holiday 🫣😆. Enjoy it and I hope the weather is nice there too 😊.
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200.
    Total- £1162.23
    Goal pay off 1% of current mortgage in 1 year. £1200. (96.83% there)

    EF- first goal £300
  • beanielou
    beanielou Posts: 95,599 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Have a good time.
    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.
  • Queen_of_the_Hive
    Queen_of_the_Hive Posts: 1,191 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    edited 25 July at 7:25AM
    Hello Friday! Its a bit wet and cooler on our final day in Venice! Maybe its a sign its a good day to make our move. We've had really great weather, a bit too hot for me but no complaints at all!

    Was thinking of taking a day trip to Verona on the way to Milan but the weather forcast is for thunder & lightening so not sure what to do now?! We can check out of our digs, leave our luggage at the hotel and explore a bit more of where we are. This is looking a likely option now. Absolutely loving Italy and this area...will definately be back! We stay in Milan tonight for two nights before flying home on Sunday morning. 

    We had a bit of fun in the large supermarket near us, we bought some sweet treats as gifts for home. I don't normally buy gifts but my lovely mum always buys something when she goes away so we have picked up a fridge magnet & some local biscuits in a tin. My partner loves his sweets and so he has some sweets which we can't buy in UK so I think he will be happy. I bought some local wine with the intention to drink during holiday but haven't so will stuff into the suitcase too! 

    Before we left for holiday I'd saved some spending money and put this on a Monzo account that had been sitting dormant. Once we were up and running (early holiday teething problems) this worked perfectly. Wasn't sure how much was realistic spending money we'd need so went for a 100 euros for myself and the two kids. This has been pretty much spot on. I was hoping there would be a bit left at the end to cover some of the costs of 2 lots of hotels but I don't think there will be much left tbh. Whatever is left will be diverted there and the remainder will be paid over July and Aug pay checks. 
    2025 financial goals & challenges!

    1). Mortgage (started Jan 2024) £106,630.42 / £122,400.00 Overpayment total: £904.60 (Inc Sprive yr 1 o/p £19.16 & £55.34 reg monthly overpayment) Equity 28%

    2). #7 Save 1p a day challenge 2025 £150/£780

    3). £2109.85/£3000 in Investment ISA (34/50 investments)

    4). Increase cash savings & saving pots

    5). Keep debt to a minimum.

    Favourite quote: 'Life is like a box of chocolates, you never know what you're gunna get!' Forrest Gump
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