The final countdown to June 2026

carboot_karaoke

Oops actually logged on to say our regular £100 payment was paid of the mortgage.  

Ive added an extra £50 from the food budget because CK2 gets paid this week so I can put it back. New balance £24,000.

This means we've paid £39,000 😱 off our mortgage this year !!

Over 1.5 times my whole years salary It doesn't feel real just numbers on a transaction but in reality thats a huge amount to us. In fact every penny of the surplus after our bills. I'm so glad we decided, especially from May onwards (when the tenants renewed) to throw everything we had at it. Who knows what will happen in 2026 so I'm glad we made hay while the sunshine. 

Still hoping to chip a bit more off before the new year but very happy with the progress. Thank you all for cheering me along. I'm convinced l wouldn't have been so determined without this thread for accountability.  

beanielou

That’s massive. 

South_coast

Ooh, you've got to find another £1000 before the end of the year though - that's a very untidy amount 🤣!

carboot_karaoke

Thanks Beanie 😊

South_coast said:

Ooh, you've got to find another £1000 before the end of the year though - that's a very untidy amount 🤣!

Yep, l thought the very same thing 😂 

carboot_karaoke

Afternoon all,

The washing machine engineer turned up yesterday, after about 20 washes when the softener remained in the dispenser he ran it through and it cleared the first time  😠. In truth, he added extra water to the draw because he thinks that's the cause of it sticking. I did explain that when you use concentrate your only meant to need a small amount. But l doubt that applied when my washing was made many years ago. I guess ill have to water down the conditioner in future. 

While l was waiting l completed chapter 8 of my payroll course and the assignment that goes with it. Just two more chapters to finish this book.

I also emailed octopus energy yesterday we are in credit by over £376 I'm happy to have a buffer in our account, especially because we haven't hit the cold weather yet. Just wondering if l should be earning interest on the money or if its best left alone, so l don't spend the money and have to re-find it. 

Had a chat with my boss today and agreed l would break up for Xmas on the 19th, cant wait 😊. This does mean working on Friday, but its a compromise i'm willing to pay.