Don't Dilly Dally Dolly - 2025 and Beyond

_Dolly_Rocker_

So it's getting close to the new year and I've decided it's time for a new diary!

Why not eh!

I've got big plans and can't dilly dally any longer, I want to be;

• Debt free in 2025
• Goal weight in 2025
• Mortgage free in 2030

Once I've managed to sort all that out I've got changes to make in the flat. New bathroom, kitchen, back and front garden - home owning is so expensive! But worth it - I absolutely love it and never want to move so don't mind the time and the money to get it right. 

I'm going to sit down and go over my monthly goals for 2025, get a new spreadsheet sorted with all bills on there and see if I can manage to plan in any overpayments to the mortgage!

joedenise

Can I just say it really doesn't pay to make overpayments to your mortgage if any of your debts are incurring interest as mortgage will be at a much lower rate.  I'd concentrate of shifting the debt first unless it is on 0% and you can clear it in the time you have left at that rate.

Good luck with sorting it all out.

I've bookmarked your thread to follow you and your goals.

_Dolly_Rocker_

Thanks @joedenise. 

So between now and July 2025 I'll be paying off the debt then once that's all paid off I'll overpay the mortgage. 

Can't wait until it's all gone but that's a few years down the line from now.

_Dolly_Rocker_

£4.00 survey on YLive! 

Every little helps.

joedenise

I always seem to get chucked out of Live surveys!  Seems to take forever to get to the £50 threshold!  The ones I do finish tend to only be £1 or £2.  Don't think I've ever got through a £4 one!  Well done.

_Dolly_Rocker_

Yeah that's very annoying! Think I still need another £14.00 before I can cash out so hopefully January.

Looking forward to getting to bed tonight - I am tired.

_Dolly_Rocker_

Got a new bed delivered today - well new to me - from the British Heart Foundation so will get the old one broken down and that one set up this morning. 

The old one I'm donating to a girl who fled her house due to DV so that's my last good deed for 2024 done and dusted. 

Got a wee Christmas table top market today with my mum and only my own 2 dogs to walk today. 

I shall let you know if I get any bargains!

misstara

Hope your new bed is comfy.  Did you get any bargains at the Christmas market?

_Dolly_Rocker_

@misstara - none at all! I thought it was like a 2nd hand market but it was a lot of hand made craft items which were lovely but didn't need anything like that. 

Got a free hot chocolate though so win!

Got 10 books for £1.00 from the charity shop later when I dropped my mum off so wasn't all too bad.

One of the books is Britney's so I'm looking forward to reading that. 

_Dolly_Rocker_

Dog walks done for the day - well the paid ones anyway. Will be out again with my 2 about 6:30ish then home to chill out. 

I've just had some lunch and got cosy on the couch - at 5:30 I'm gonna do an hour of housework. 

misstara

Shame about the lack of bargains but free hot chocolate is always a win