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And now we go again...
Comments
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Ooh,that's an exciting mortgage figure, well done! 😃5
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I'd never even thought of looking there for spices joedenise!
Cheery - it certainly will be if we can get there - let's see!
In other exciting news I have just made my first V1nted purchase - a replacement for my current pair of walking shoes - they have allegedly been worn a couple of times, but they look in near-new condition so I am seriously hoping that they are as good as they look otherwise I already know I won't use them!🎉 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
Balance as at 31/08/25 = £ 95,450.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her7 -
Blimey. That’s a big raise.jwil said:
The town and parish councils here also raise funds through council tax. So the council tax overall includes a section from the main council, the police, fire, parish councils and I think this county is alone in this, but there is a rivers authority element here as well to help tackle flooding.beanielou said:What is parish precept? We dont have this in Scotland. Nor of course seperate water rates.
Our parish precept went from c£10 two years ago, to c.£100 last year to c.£300 this year!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.5 -
What a lot of council and T's and car and potential OP and v1nted excitement! And on a rainy Thursday 😂https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase
Books read 2025: 60
Hey! Use my code GW7II3 on Eureka Surveys and unlock a short 80p survey just for signing up! https://eurekasurveys.page.link/do9nSyy8u4nikx6r65 -
Yes it's a big ouch. They are taking on some of the services the main council were planning on cutting.beanielou said:
Blimey. That’s a big raise.jwil said:
The town and parish councils here also raise funds through council tax. So the council tax overall includes a section from the main council, the police, fire, parish councils and I think this county is alone in this, but there is a rivers authority element here as well to help tackle flooding.beanielou said:What is parish precept? We dont have this in Scotland. Nor of course seperate water rates.
Our parish precept went from c£10 two years ago, to c.£100 last year to c.£300 this year!"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee4 -
That's brilliant news about potentially being at £110,000 on the mortgage!"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee4
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Haha PiP - yes, not bad for a rainy Thursday eh! Jwil - fingers crossed we can do it! It’ll feel like a good boost if we can though at 6 months in.Well so far here today sunshine and showers sums it up. It’s dried up again at the moment but ai suspect we have more wet stuff to come.MSE Stuff:
- A walk first thing so free exercise which is always a bonus.
- nipped in to C0-0p to use the weekly coupons - 20p off milk and 25p off MrEH’s paper (that he has a subscriber voucher for anyway so in real terms that was 45p off the milk). Also nabbed a piece of well reduced St Agur cheese - wouldn’t usually buy it but for £1.57 I wasn’t leaving it behind!- porridge for breakfast using the last two bananas as a topping - I had a blob of peanut butter too. 😋
- quick fridge/freezer check to see what needed using up
- meal plan written, and shopping list
- nipped to Lil’s for the shopping - remembered to buy a new jar of pesto which wasn’t on my list, got sidetracked by 99p bags of Bombay Mix but resisted going off-piste for anything else.- went straight back in to nab my free bakery item - a filled muffin. afternoon treat shared between us in a bit then!- popped over to BeeandEmm while I was on that estate to check the prices of those bags of logs - they are still at £16 but they also still have a fair number left so we’ll keep our eyes on that.- brought logs in ready for a fire this evening - that will help reduce the heating costs from central heating a bit.Shopping spend this week works out to £32.91 so far I think, although I will need to try to remember to get into T’s at some stage for a Second pack of apples and my tomatoes. This will be the final shop of the month though and overall I’m pleased with where we’ve ended up. I think the surplus in the grocery fund has increased from £72 to about £120 which is decent enough.Other stuff:
- washing machine ran first thing
- airer emptied of dry stuff and new load popped on. Small window opened in our bedroom and the spare room where the airer lives rather than using the dehumidifier.- 15 minute tidy round this morning
- kitchen bin and recycling empties into the wheelies
- bird feeders refilled - it seems that the squirrels are mostly put off by the new Lil’s one in spite of theoretically being able to get their heads in, so that’s a win after all.- grate cleared out and ash pan emptied
right - I’m going to have a quick whizz round and get some more odds and ends done I think, and I reckon it’s time to close those windows as well before upstairs gets too chilly.🎉 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
Balance as at 31/08/25 = £ 95,450.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her7 -
A 99p bag of Bombay mix came home from Lidlees with me too and a bag of London mix which looks similar but we felt it was important to compare and contrast the two.5
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What on earth is in the London one? Pigeon feathers and seething resentment at property prices?!https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase
Books read 2025: 60
Hey! Use my code GW7II3 on Eureka Surveys and unlock a short 80p survey just for signing up! https://eurekasurveys.page.link/do9nSyy8u4nikx6r610 -
🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣PennysIntoPounds said:What on earth is in the London one? Pigeon feathers and seething resentment at property prices?!I get knocked down but I get up again (Chumbawamba, Tubthumping)6
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