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And now we go again...

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Comments

  • EssexHebridean
    EssexHebridean Posts: 26,236 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    well the car may have bought itself at least a partial stay of execution as we finally seem to have had some financial good fortune in the shape of it getting through the MOT test with just a washer pump replacement prior, and no advisories at all- grand total £91 including the test! That actually feels like we’re finally getting a break! The emissions test was also clean as a whistle too so we will have a chat about longer term plans I think, although I suspect we may both be too wary of further issues to hang on to it.

    MSE Stuff:

    • freezer audit done last night
    • Partial meal plan done last night too
    • Combined collecting MrEH’s car with going straight to Lil’s for the shopping first thing which gains me a big chunk of my morning, very useful!
    • Collected my free birthday sweet treat from Lil’s - we will share that (chocolate hazelnut doughnut) with a cuppa this afternoon
    • Collected my free birthday sweet treat from Gr399s too - a jammy heart biscuit which I will enjoy this evening while himself is out!
    • Spotted the big packs of frozen king prawns in Lil’s - £12.99 for 1.25kg was just too good to turn away so one of those is added to the freezer - meant the spend ended up a little higher than I’d have liked but it was a genuine bargain so I’m not too worried.
    • We have both been paid - money shuffle done
    • surpus from the joint account shuffled to the car account where I am corralling the money ready for clearing the big repair bill off the Cashback card.
    • Money also rounded up from elsewhere for that same purpose - there should be around £500 ready to go towards the repair ther which is basically 50%, and still accounts for my car insurance and both our breakdown cover policies being paid for too.
    • Deposit for next year’s group Lundy trip sent to my friend who’s booked the accommodation - borrowed from the Christmas account for the time being.

    🎉 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
    Balance as at 31/08/25 = £ 95,450.00. Balance as at 31/12/25 = £ 91,100.00
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • Cheery_Daff
    Cheery_Daff Posts: 18,630 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    Excellent car news - a nice change!! 😂 I am going to be inspired by your financial wrangling to get my own house in order too (well, bank account, let's not get too ambitious and include the house 😂). New credit card is up and running at least.

  • beanielou
    beanielou Posts: 100,626 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!

    Do I remember you talking about small packets of wipes that you buy in Aldi or Lidl for when you go on holiday?
    Good car news.

    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. 14 months left.
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