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Dilemma, Dilemma, Dilemma
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Good morning sweetie.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.1 -
Hello Sunny SundayWell I have been enjoying being more consistent with updating my diary! A symbol of a bit more calmness.Hurrah!This weekend its just myself, OH and kitty and an opportunity to get a bit more organised. We had a really unplanned fun day yesterday. We heard rumours of something unexpected going on the beach that happened to be nothing by the time we got there unfortunately. The tide was in and nothing but a few people walking around doing their thing. We did though use the opportunity of a lovely day to go on a long, unplanned walk on the beach!Walking back we'd walked up an appetite and popped into one of our fav cafes. OH had a bacon sandwich and I just had a cuppa! Pit stop over we needed to get a photo printed at another part of town, this took a bit longer than expected but photo and frame sorted! Enroute home we popped into the leisure centre as they were hosting an event related to the Heritage open days. Had a fabulous chat with the lady running this particular event and left with some leaflets and a new contact. We did, something we do not normally do. We went into a second cafe as I was getting hungry and OH needed a bit of a rest & recharge. We both enjoyed an oaty sticky toffee cake and it was absolutely perfect for this time of the year! This was my not so healthy lunch
We then went home, dropped the photo & frame off just in time to join a local history talk all about local heritage. Aagain related to the Heritage open day weekend! Loved the talk, it was related to some volunteering am involved in.
This is going to sound a bit bizarre but here goes! In a bit of a distraction move I took to cleaning the house late last night, was determined not to eat any crap last night after the cake lunch treat..! Well it worked and its been fabulous to wake up to a partially cleaned home!This morning I needed to book travel and accomodation for October trips. Its hard to not feel sad doing this, its a lot of money that could be better spent but this is where we are at the moment. I did start making some train bookings on Friday but then had a little hastle as booked a return journey on the wrong train, called the train company, tickets are cancelled but the refund will take time to process. The refunded amount is £90+ so will be eagle eyed watching this!This afternoon I need to go to the gym, top up food shop and a bit more work on the lego build.Have a good Sunday!2025 financial goals & challenges!
1). Mortgage (started Jan 2024) £106,175.05 / £122,400.00 Overpayment total: £959.94 (Inc Sprive yr 1 o/p £19.16 & £55.34 reg monthly overpayment) Equity 26%
2). #7 Save 1p a day challenge 2025 £360/£780
3). £2,249.06/£3000 in Investment ISA (35/50 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 Gump2
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