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Buying a little piece of Middle England; Manifesting my way to mortgage free.
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Signature updated. I was around £75 off my goal of £3k EF. Now I need £439.
I think I'll probably not pay anything into that for the rest of the year though as we are short on money for Christmas at the moment.
So unless I get more than I'm expecting I think all excess money will be directed at Christmas this year now and my SBF (if I have enough).
Still very happy to be ending the year with over £2500 in the EF!MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200.
Total- £1162.23
Goal pay off 1% of current mortgage in 1 year. £1200. (96.83% there)
EF- first goal £300
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Which chipper did you go for? (PM me if you would rather). I have a massive pile of prunings and having seen how reduced your pile is I am now thinking of chipping!Made it to mortgage free but what a muddle that became
In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!2 -
It's the B0SCH one. AXT 25 TC.Watty1 said:Which chipper did you go for? (PM me if you would rather). I have a massive pile of prunings and having seen how reduced your pile is I am now thinking of chipping!
That came out tops on all the reviews I read for home wood chippers (as opposed to the professional big boy ones).
I ordered from big orange Diy store and it was ready in ten minutes.
Purchased a voucher to use for that shop online from jam doughnut for cash back so I got £12.50 back (thereabouts).
Hope that helps 😁 @Watty1MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200.
Total- £1162.23
Goal pay off 1% of current mortgage in 1 year. £1200. (96.83% there)
EF- first goal £300
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Have had a few payments today from cash back and surveys so rounded down and paid £25 across to the EF in all.
Had my payslip and it is a lot better than I thought I'd get considering I've only worked two weeks by the cut off point. 🤔 I won't question it but I also won't get too excited until I see it land in my bank!MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200.
Total- £1162.23
Goal pay off 1% of current mortgage in 1 year. £1200. (96.83% there)
EF- first goal £300
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It may cover from when you started to the end of the month, fairly common in that education setting to pay full month as long as you turn up on the first day with the last chance to remove you about five working days before payday. Enjoy!My mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese
GNU Mr Redo1 -
My DS is a teacher & I agree with @redofromstartI 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.3 -
& once you have the payslip it shouldn’t change.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.2 -
That's good news then thanks redo & beanie. The last school I worked in did not do it like this and I was continually owed money where they'd mess my pay (and most other people's too) up.
I'm on break and because of snow many from outlaying villages haven't made it in so I am covering for someone today. It's a nice group though (my usual Thursday group) so I'm happy.
NSD again..I'm doing well on these when at work all day 🤣
I bring in herbal tea to drink on breaks whereas many staff pop to the canteen EVERY break (can't imagine how much that costs when you're here five days a week!)
Right back to work...MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200.
Total- £1162.23
Goal pay off 1% of current mortgage in 1 year. £1200. (96.83% there)
EF- first goal £300
3 -
Glad all going well & keep dry!Yeah to more money to play with in YNABDON'T BUY STUFF (from Frugalwoods)
No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff. Money doesn’t walk out of your wallet on its own accord.
https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest1 -
I was kicked out of the kitchen area I sit in as there's a shortage of rooms to use. Ended up in the canteen - sat here with my pack up and all I can smell is pastry type things that smell delicious and I'm trying to ignore them whilst chomping on a HM roll 🙈🤣 no fair! My streak of NSD is keeping me going....MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200.
Total- £1162.23
Goal pay off 1% of current mortgage in 1 year. £1200. (96.83% there)
EF- first goal £300
3
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