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Dilemma, Dilemma, Dilemma
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Hopefully it will pass soon 🤗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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.1 -
beanielou said:Hopefully it will pass soon 🤗
Thanks Beanilou x2026 financial goals & challenges!
1). Mortgage (started Jan 2024) £99,186.79/ £122,400.00 Overpayment total: £1405.13 (Inc Sprive yr 1 & 2 o/p £70.93, £5.52 Natwest o/p & £55.34 reg monthly overpayment) Equity 31%
2). #47 Save 1p a day challenge 2026 £30/£780
3). £2638.90/£3000 - Investment ISA (32/50 investments)
4). CC debt - £21,268.02. Aiming for £19,999.99 31/12/2026
5). £257.66 / £1000.00 - EF
6). Lose weight, get fitter and read 12 books in 12 months in 2026. 2 out 12 COMPLETED1 -
Happy Saturday night Sunday morning from the hive!I'd started to write this last night but failed miserably as I couldn't think what to write.Since last diary update we are now in December, the Christmas tree has lights and is fully decorated.... hurrah! Last night was Christmas wrapping time, most gifts are bought for the kids having used the something to wear, something to read... etc principles. Haven't spent as much as I would have liked to have done but this will be fine. Still have some gifts to get for my partner and wider relatives. Just token gifts, money is tight etc and making use of cashback sites, using rewards etc.Yesterday we had a lovely day in a town local to us. We had some lunch, a spot of shopping and we visited the local minster that was hosting its annual Christmas tree festival. It was festive lush, lots of decorated trees, twinkling lights, choir singing tunes.A group was making wreaths but this session was pre-booked in advance so sadly couldn't take part on the day.Today we need to do food shopping, get some exercise and I need to book some more travel & accomodation for this week. Am a bit behind on that sadly.Money wise - not much to say really, monthly debts have been paid and savings pots topped up a little bit. We had hoped to reach the outstanding mortgage debt of £99,999.00 by the end of the year but we are two months short on this so I think after we pay our Feb mortgage we will see this. On the positive I have been putting a small amount away each month through Sprive and sporadically bought gift cards & undertook surveys through the year. There is about £22 to add as an extra overpayment on 31st Dec!
2026 financial goals & challenges!
1). Mortgage (started Jan 2024) £99,186.79/ £122,400.00 Overpayment total: £1405.13 (Inc Sprive yr 1 & 2 o/p £70.93, £5.52 Natwest o/p & £55.34 reg monthly overpayment) Equity 31%
2). #47 Save 1p a day challenge 2026 £30/£780
3). £2638.90/£3000 - Investment ISA (32/50 investments)
4). CC debt - £21,268.02. Aiming for £19,999.99 31/12/2026
5). £257.66 / £1000.00 - EF
6). Lose weight, get fitter and read 12 books in 12 months in 2026. 2 out 12 COMPLETED5 -
Hello Monday Morning,I'm feeling the need for a re-set having unashamedly eating lots of Christmas chocolate yesterday whilst enjoying this year's Christmas novel and having a lazy day. This morning though I did as I usually do, felt really rubbish about it and so went out for a short C25K run and popped on a long overdue YT stretches video. I couldn't actually finish the video but feel a bit better for doing so.Its another day at work, I need to book a hotel for this week and pack for this weeks travels. This is the only expected spends for the day.2026 financial goals & challenges!
1). Mortgage (started Jan 2024) £99,186.79/ £122,400.00 Overpayment total: £1405.13 (Inc Sprive yr 1 & 2 o/p £70.93, £5.52 Natwest o/p & £55.34 reg monthly overpayment) Equity 31%
2). #47 Save 1p a day challenge 2026 £30/£780
3). £2638.90/£3000 - Investment ISA (32/50 investments)
4). CC debt - £21,268.02. Aiming for £19,999.99 31/12/2026
5). £257.66 / £1000.00 - EF
6). Lose weight, get fitter and read 12 books in 12 months in 2026. 2 out 12 COMPLETED2 -
Happy " !!!!!! Van Dyke " day!Just have to say what an amazing age he has reached! It was lovely to wake up to a positive news story covering this morning.Well i'm back from a quick trip to the ciry to see my gorgeous little DS do his Christmas school performance & dance performance. Caught up with some friends and generally had a good day.This weekend no real plans as such, house needs cleaning ready for kids to come next week and we need to stick the Christmas tree up in our little holiday let. Its my birthday tomorrow and we'll probably go for Sunday lunch and a walk. I bought some Christmas crafting kits which I have yet to start so that will be nice.Money wise I did "shut my eyes" yesterday and bought myself and OH tickets to a concert next summer. On paper we probably shouldn't but the venue and artist was a fav of ours and why not! I need to do a catch up on my spends but at the moment giving myself a bit of a break on worrying about it.Still doing surveys- this morning had a good start. Now sitting on £14.19 and £2.21 pending in Prolific. Monthly aim is £25 for reno & refurb.2026 financial goals & challenges!
1). Mortgage (started Jan 2024) £99,186.79/ £122,400.00 Overpayment total: £1405.13 (Inc Sprive yr 1 & 2 o/p £70.93, £5.52 Natwest o/p & £55.34 reg monthly overpayment) Equity 31%
2). #47 Save 1p a day challenge 2026 £30/£780
3). £2638.90/£3000 - Investment ISA (32/50 investments)
4). CC debt - £21,268.02. Aiming for £19,999.99 31/12/2026
5). £257.66 / £1000.00 - EF
6). Lose weight, get fitter and read 12 books in 12 months in 2026. 2 out 12 COMPLETED1 -
Aw I hope you have a lovely birthday QotH 💕 🎉
I shut my eyes every now and then to buy tickets too 😏🤭 sometimes life has to come over and above the budget. 🙈Emergency Fund goal - £1000/2000
Mortgage OP goal 2026 - £1200/£4500
Read 24 books this year 10/241 -
Happy birthday xSealed pot challenge 822
Jan - £176.66 :j1 -
Happy birthday 🥳Fashion on a ration 2025 0/66 coupons spent
79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases
One income, home educating family1 -
Happy birthday, enjoy the crafting 😊
KKAs at 17.03.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £219,071
- OPs to mortgage = £17,793 Estd. interest saved = £9,021 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 26 books of target 52 in 2026 as @ 12th April.
Produce tracker: £78 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.1 -
Hello Birthday Sunday from the Hive!I'm officially in the next age bracket on surveys
Not sure whether to laugh or cry lol....! Age and wisdom! Well I do feel loved this morning, my lovely partner surprised me with some earings and card and my kids called me from their dads & surprise messages from my lovely colleagues at work.I'm determined to go for a run - the next one in C25K as part of me catching up with DS1. Today is wk 3, run3 and is the 4th run this week so that is pretty good going! Am loving it tbh and plan to sign us up for some fun runs next year.We have finally got all the Christmas decorations up - yesterday was mission to put up the tree and some simple decs in the holiday flat in prep for the festive season guests. Need to re-stock a little on kitchen items but to be expected and nothing too serious cost. I've also got a small bit of Christmas shopping to do for stocking gifts and thats about it.2026 financial goals & challenges!
1). Mortgage (started Jan 2024) £99,186.79/ £122,400.00 Overpayment total: £1405.13 (Inc Sprive yr 1 & 2 o/p £70.93, £5.52 Natwest o/p & £55.34 reg monthly overpayment) Equity 31%
2). #47 Save 1p a day challenge 2026 £30/£780
3). £2638.90/£3000 - Investment ISA (32/50 investments)
4). CC debt - £21,268.02. Aiming for £19,999.99 31/12/2026
5). £257.66 / £1000.00 - EF
6). Lose weight, get fitter and read 12 books in 12 months in 2026. 2 out 12 COMPLETED5
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