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misstara's debt diary 2024

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  • I think you deserve a treat...what a January ๐Ÿ˜ž am so sorry it's been a tough one. I hope it gets better in February for you ๐Ÿ™๐Ÿป ๐Ÿ€ย 
    MORTGAGE BALANCE when we moved Aug 2024, ยฃ120,000. January 1st ยฃ118,267.06. May 1st, ยฃ116, 123, June 1st, ยฃ115,536, New mortgage added for extension- ยฃ165,000 July 1st!
    Mortgage Overpayments - September-December, ยฃ152.46. J- ยฃ103.27, F- ยฃ115, M- ยฃ91.50, A- ยฃ100, M- ยฃ200, J- ยฃ200. J- ยฃ200.
    Total- ยฃ1162.23
    Goal pay off 1% of current mortgage in 1 year. ยฃ1200. (96.83% there)

    EF- first goal ยฃ300
  • misstara
    misstara Posts: 3,987 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Thanks dfw321 :smile:

    Things are better than they were - OH seems to be mostly back to his usual self and we attended his mum's funeral earlier this week.

    I had got everything up-to-date in ynab but need to input the last few days spends and then see where we are.

    Nice weekend - just relaxing with OH and watching rugby.

    Just this week to go at work and then off for 9 days :smiley:
    Mortgage 26.4.25 - ยฃ108,500ย  1.7.25 - ยฃ106,653.66
    Mortgage overpayment savings - ยฃ33.53/ยฃ50
    Mortgage overpayments so far - ยฃ612.99
  • Boodedoo
    Boodedoo Posts: 504 Forumite
    Tenth Anniversary 100 Posts Combo Breaker
    Sorry there's been so much worry and sadness for you and yours recently. Hope the next week flies by and the 9 days break from work gives you both some time to relax.
  • misstara
    misstara Posts: 3,987 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Oops haven't posted for ages again - all is fine, just been focusing on spending quality time with OH.

    The big news is that we went to see a mortgage advisor and now have a mortgage in principle so can start looking for somewhere to buy :smiley:
    Mortgage 26.4.25 - ยฃ108,500ย  1.7.25 - ยฃ106,653.66
    Mortgage overpayment savings - ยฃ33.53/ยฃ50
    Mortgage overpayments so far - ยฃ612.99
  • Boodedoo
    Boodedoo Posts: 504 Forumite
    Tenth Anniversary 100 Posts Combo Breaker
    WHOOOOOO! that is wonderful news :) ย Very exciting , hope that 'just' the right place is out there and waiting for you.


  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,333 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Fabulous news! ๐Ÿ™Œ๐Ÿป ๐Ÿ˜
    MORTGAGE BALANCE when we moved Aug 2024, ยฃ120,000. January 1st ยฃ118,267.06. May 1st, ยฃ116, 123, June 1st, ยฃ115,536, New mortgage added for extension- ยฃ165,000 July 1st!
    Mortgage Overpayments - September-December, ยฃ152.46. J- ยฃ103.27, F- ยฃ115, M- ยฃ91.50, A- ยฃ100, M- ยฃ200, J- ยฃ200. J- ยฃ200.
    Total- ยฃ1162.23
    Goal pay off 1% of current mortgage in 1 year. ยฃ1200. (96.83% there)

    EF- first goal ยฃ300
  • _Dolly_Rocker_
    _Dolly_Rocker_ Posts: 742 Forumite
    500 Posts Third Anniversary Photogenic Name Dropper
    Woo hoo! Amazing news.
    Debt Free - 4th June 2025
  • misstara
    misstara Posts: 3,987 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Thanks all - really excited by it.ย  We've got some viewings over the weekend so will see how it goes.

    Trying our best to be really careful with spending at the moment and putting any savings away.
    Mortgage 26.4.25 - ยฃ108,500ย  1.7.25 - ยฃ106,653.66
    Mortgage overpayment savings - ยฃ33.53/ยฃ50
    Mortgage overpayments so far - ยฃ612.99
  • misstara
    misstara Posts: 3,987 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Got some exciting news - we saw a house we really liked, made an offer and it was accepted :smiley:

    Did the mortgage application on Friday so just waiting to hear back, hopefully all will go through fine.
    Mortgage 26.4.25 - ยฃ108,500ย  1.7.25 - ยฃ106,653.66
    Mortgage overpayment savings - ยฃ33.53/ยฃ50
    Mortgage overpayments so far - ยฃ612.99
  • beanielou
    beanielou Posts: 95,458 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Fantastic news.ย 
    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.
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