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misstara's debt diary 2024
Comments
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Fingers crossed for youJune 2026, Mortgage free, Emergency fund fully funded & £200/200 cash maximum pb holding .:jWeight 12st challenge 11st 2lb
Gift to children challenge £40k in 2 years. Short term gift challenge 7 presents and $1300 can by September.
Tend to the part of the garden you can reach
https://forums.moneysavingexpert.com/discussion/6673398/hopefully-cruising-with-focus-towards-retirement#latest1 -
Eeeeek how exciting!1
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That's exciting news about the property! Hopefully all goes well 🙏*Dad loan - £7000 - £7000
*Tesco Credit Card (0% 9/9/27) - £3623.18 - £3623.18
*Nationwide Loan - £11,000 -£11000.00
*Total Debt - £21623.18/£21623.18*
Savings
*Sinking Fund - £1400/2000
*Emergency Fund - £0/£3000
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 :-)
1 -
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 1.11.26 - £101,488.60 (6.5% paid)
Mortgage overpayments so far - £1008.83
MOP savings - £38.07/£50
Debt 16.11.25 - £5160 1.11.26 - £3950 (23.4% paid)
Roof savings - £3650/£3650 (100% saved 🥳)1 -
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 1.11.26 - £101,488.60 (6.5% paid)
Mortgage overpayments so far - £1008.83
MOP savings - £38.07/£50
Debt 16.11.25 - £5160 1.11.26 - £3950 (23.4% paid)
Roof savings - £3650/£3650 (100% saved 🥳)0
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