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misstara's debt diary 2024
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Fingers crossed for youMortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.1
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Eeeeek how exciting!Debt Free - 4th June 20251
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That's exciting news about the property! Hopefully all goes well 🙏*Dad loan - £5300 - £7300
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£400
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £860
*Total debt - £8560/£11641.17*
Savings
*Savings Buffer - £1000/£1500
*Emergency Fund - £1000/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/1 -
Wonderful news ! I am so excited for you both and am looking forward to following your next diary on the MFW board :-)
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Haven't posted again for ages but all is going well with the house, missives were concluded last week, will sign all the paperwork this week and get the keys the week after so it's all go. Haven't actually booked a moving van so better do that soon. We have been doing a big clear out of stuff, no point in paying to move stuff we don't use.
We also finally got to the top of council waiting list for an allotment so got that a few weeks ago. OH is really enjoying it, he goes there pretty much everyday and it has made a huge difference in his mental health. It was very overgrown so he has just been clearing a bed at a time to plant stuff and fingers crossed something grows.
Slightly nervous at making the move over to the MFW board (no idea why
) but will do fairly soon.
Mortgage 26.4.25 - £108,500 1.7.25 - £106,653.66
Mortgage overpayment savings - £33.53/£50
Mortgage overpayments so far - £612.991 -
Exciting times for you and your OH. Very well deserved ones after sucessfully not only becoming debt free but have also built up savings to enable you get your own house
Many congrats and I hope you will both be happy in your new home.
I'm looking forward to following your progress on the MFW board
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Thanks Boodedoo
I have posted a new diary on the mfw board - misstara's mortgage free diary
Mortgage 26.4.25 - £108,500 1.7.25 - £106,653.66
Mortgage overpayment savings - £33.53/£50
Mortgage overpayments so far - £612.990
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