Mortgage free in 4 years

Sensiblesaver

Thank you. I know that at least it was not the whole balance of the account, there was a lot more transactions that were made but got declined. The worst was getting the notifications and not being able to do anything. Also it is not easy to contact trading 212 and I feel they were very slow to react. The ID verification was very believable as they asked me very recently to verify my ID. Now the scammers have my passport which I have to cancel and pay for a new one. I will fight over this and hope to get my money back, and if I don't get the money back that's not the end of the world, but it made me very wary. I have another ISA with 6 figures in it, if it was that account I would have a heart attack lol. It just made me worried if my money is safe. I feel I sacrifice a lot for the future and it can be gone in an instant.

Sensiblesaver

So Trading 212 has refunded my money but they have not replied to my complaint. I think they were very negligent as I contacted them several times saying I could not access my account and asking to suspend any transactions as I feared my account had been hacked. The hackers were still able to create a new virtual card and spend money. The first transaction was 1.5hs after I first started contacting them.

DancingInTheRain

Good news on getting the money back. Hope you get a response to the complaint soon, unbelievable that they haven't at least given an interim response to say they need to investigate further and give you a timescale.

Sensiblesaver

They did respond that they are investigating. We will see, at least they credit the account, but I had to re-buy the shares at a higher price.

Sensiblesaver

July figures as follow: £569 OP, £2.5k SIIP, £450 S&S ISA and £250 cash ISA.

Now off to the gym :)

Sensiblesaver

Just back from a walk with the dog, another lovely day. We have had such nice weather this summer, really enjoying the sunshine, but not so much the heat lol. Happy that Englant won last night, I will watch the game later as 10 goals in 1 game is crazy.

Managed to find another £134 to OP in July by re-jiggling the budget. Mortgage now -£159,860. It feels we have been paying this mortgage forever and it has not even reached 50% paid :( (origianal mortgage -£310,500) . Sometimes I just want to throw all my money into it but I don't think thats sensible considering I am getting close to 50 and need to build more retirement savings. I will keep balancing between ISA, pension and OP. If I overpay by £550 every month which I have easily done for the past 3 years this mortgage should be paid in 8 years which make me 55. The goal is still to pay it off by the fix which it dosn't seem very doable at the moment unless I liquidate my S&S ISA (Unlikely), but I am £20,420 away from being mortgage neutral. I think when I reach mortgage neutral I will focus on pension and mortgage.

Sensiblesaver

Woke up with the great news that Argentina lost :). Well done Spain, they did deserve to win.

Sensiblesaver

This week I worked an extra day as I am going on holiday next week for 2 weeks and the joys of being self employed mean my salary in September will be much lower, so just trying to minimize the damage. I also gave 2 extra days for september. I do enjoy working 4 days a week, but have to make some money and I am very grateful I have the opportunity to work more if I want. I just got paid yesterday from 1 job, so did usual money shuffle this morning.

£1155 OP made (mortgage now -£157,990). £7344 OP made this year

£937 into my S&S ISA, I will find the money from budget to make it to 1000 as its bothering me lol

£2000 SIIP

£460 cash ISA

I am now £14,616 away form being mortage neutral :)

Sensiblesaver

Just one more day of work before my holiday,can't wait. It's only me and DS going, DH is staying this time as he started re-doing the garden office and at the moment is a contruction site. We decided to take 10k on a 0% cc and do all the work rather tham slowly feeding from monthly budget and dragging the project into the winter. I hope when I come back the garden is looking less like a building site lol

I run 6k this morning. My cholesterol is really high at the moment which is bothering me and I am almost giving up and starting on statins :(. I will try going back to my plant based diet again and see if I can lower it in 3 months. I am a healthy weight, exercise and eat mostly healthy, so not sure what to change, it can only be stress or genetics. I had a stressfull time since end of may with some diffcult clients, but not sure was that much stress to affect this much. I am checking my cortisol levels next week to see. Plan for today is cook a vegan chilli, black beans and one pot lentil dal and put in the freezer as when I come back from holiday I will have a 5 day week and I having the meals prepared will make it easier to keep to a healthy diet. Nobody else in my house eats my plant meals so I end up having to cook 2 different meals. I also need to buy some chocolate and wine to bring as gifts.

I have also organized a birthday lunch for my mum which I am looking forward to, it will be her 80th birthday the day after we arrive, so I booked a table at a restaurant and invited my cousins. Also looking forward to some kitesurfing lessons :)

Sensiblesaver

I had a lovely day yesterday. After I came back from my run I took a break and had a coffee than took the dog for a walk. Me and DH went food shopping, managed to spend £120 (more than planned) but I cooked 10 meals and is now in the freezer. I did not cook the lentil dal as I run out of tupperware, somehow I have way more lids than tupperware, so not sure where they are disappearing to. I spent most of the afternoon in the garden lying in the hammock with a book and a glass of prosecco :) Than came home had a shower and we watched Silo together.

I'm off today and now getting ready to go to the gym