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Here’s where the story ends…

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  • skint_spice
    skint_spice Posts: 13,415 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Still feeling a bit under the weather, walked into town and back yesterday and felt shattered afterward despite a break to get my nails done in the middle! I usually run farther than the total distance so listening to my body and resting today. DS popped in after work for a visit so it was nice to catch up with him.

    I am thinking of revising my budget and putting more money into savings each month and upping my spending money as everything seems to be going up. Pondering and planning…
    Mortgage OP 2025 £6200/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,260


    Money making challenge £38/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • beanielou
    beanielou Posts: 95,599 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Glad you saw DS. Pondering & planning is good 😊 
    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.
  • skint_spice
    skint_spice Posts: 13,415 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 25 October 2024 at 12:04PM
    Day off at last but working tomorrow! I slept for almost nine hours which is unheard of for me but obviously much needed.

    Payslip in for next week, still need to get tax sorted out but luckily overtime helps get it back up. I have taken on an extra shift a week for a few weeks but need to make sure I don’t overdo things. Sadly expenses haven’t been paid today, yes who would need money the week before payday🙄

    Must go do some shopping, visit DM then off to get my hair done and then a party tonight. As I start at 7 tomorrow morning it will be a fleeting appearance from me then home for an early night.
    Mortgage OP 2025 £6200/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,260


    Money making challenge £38/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • Fabulous picture! That looks a little bit choppy 😯
    Enjoy the party tonight even if it is a whistle stop tour! 
    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
  • skint_spice
    skint_spice Posts: 13,415 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    So where was I? Another mortgage payment made, only OPed £500 which is good but won’t make my target unless I overpay more.

    Met friend for breakfast which was lovely but nearly £18 for French toast and two coffees? (We split the bill so that was just my half!). Was supposed to be meeting another friend in the city tomorrow but she has changed arrangements so many times I told her just to leave it, my son already refers to her as my “flaky friend”…

    Still doing crazy amounts of overtime but it’s all extra money for the pot I suppose.

    Mortgage OP 2025 £6200/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,260


    Money making challenge £38/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • KajiKita
    KajiKita Posts: 7,691 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    You are chipping away at the OPs, you’ll get there, or at least close 😊
    £18 for French toast and coffee?! Yee gods … was it the r1tz or some such?? 😳😂

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 40 books of target 52 in 2025, as @ 29th July
    Produce tracker: £243 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • beanielou
    beanielou Posts: 95,599 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Jeez, that's expensive!!
    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.
  • skint_spice
    skint_spice Posts: 13,415 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    There was maple syrup and bacon with the French toast but yes that was £9.95, the rest was the coffees and it was a nice enough place but not anywhere flashy. In our town too not city prices. I was a little shocked 😂 I had been planning a takeaway for this evening but feel I have recouped my money by finding something in the fridge.  Anyway I had a lovely catchup with friend - she works in place I just left although she’s now had enough and is moving on too. 

    I meant to call and sort out my tax today but forgot so need to do this next weekday off. It will all work out in the end 🙏
    Mortgage OP 2025 £6200/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,260


    Money making challenge £38/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • KajiKita
    KajiKita Posts: 7,691 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    It’s getting expensive to eat out at all now … We are going out for dinner tomorrow night for my birthday and I may have to support Mr KK when the bill comes! 😉😂

    Glad you had a lovely time with your friend and I hope her job search goes as well as yours did 😊

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 40 books of target 52 in 2025, as @ 29th July
    Produce tracker: £243 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
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