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The lump sum overpayment sounds like a great win, reducing both the term of your mortgage and the interest you will be paying 👏
Fashion on a ration 2025 0/66 coupons spent
79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases
One income, home educating family2 -
That sounds like a great win in terms of term reduction
Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
Current mortgage amount: £224,460.73
Start student loan 2012: £29,750; current student loan: CLEARED July 2025
Unread owned books Jan 2026: 256
Undone crafts 2026: +12 -
hi @rtandon27- good plans in place for the remortgage - those steady overpayments are a great habit to build.
do you have a wee pie drawing/dartboard/house of bricks template to mark off as you achieve a sector…?
I'm also commenting while i think of it on the topic of letter writing ..as a kid who moved countries a few times, I did once have a great habit for writing - over the years it has died off (I'm down to one regular correspondent and a few others i sporadically post notes/cards/witterings out to) .. but one of my promises to myself this year was to try a wee bit harder to write a little more.. inspired by an interesting website/project encouraging people to restart letter writing..it's called 'the Sunday Letter project' …will leave that there for those who fancy a peruse and head away again :)
#40 in 2026's 365x1p challenge - assigning amounts randomly on a daily basis
#26 in 2026's make2026in2026 {Jan=27.14 ~ 1.3%!!!!}
#23 in make2025in2025 final tally : £585.24 (funded Knitfest trip)
2025 = 365x1p challenge #33 final tally £667.37
2024 = 365x1p challenge #10 final tally £668.10
i apologise now, i can't type. Or, my keyboard skills cant keep up with my brain.2 -
northAthenian - the company behind the Sunday Letter Project are also supportive of the From Me To You letter project that I mentioned. I think the Illustration company certainly help in some way to support with stationery if you're setting up a letter writing group for FMTY. Definitely a worthwhile endeavour, whether for leisure, pleasure or support - or a combination of those things; and the excuse to buy nice paper, and ink pens, and coloured inks, and blotting paper, and stickers and washi tape, and…….. 😉
Greying X
Grocery Spend May 2026 £111.65/£200
Grocery spend April 2026 £199.95/£200 +5pence
Non-food spend May 2026 £41.72/£80
Bulk Fund 2026 Month 5/12 - £5.98/£93.54 (reducing balance - start £120 pa)
""Mother Nature don't draw straight lines
The broken moulds in a grand design
We look a mess but we're doing fine
We're card carrying lifelong members
Of the union of different kinds..."
"Union of the Different kinds" - R Christie & T Gilbert, Fisherman's Friends1
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