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Mortgage free wannabe part 2

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  • V3cash
    V3cash Posts: 299 Forumite
    Eighth Anniversary 100 Posts Name Dropper Photogenic
    edited 15 June at 9:46PM
    £575 left in budget over weekend, still got Fridays grocery shop and massage to come out of that so wont have as much as i hoped left.
    Im going to aim for £0 spends this week apart from those things, should be doable 
    5 days left


    Barclaycard £5800 (0%) ends April 26.
    2025-26 MFW Target #68 £13,500
    £378.07 left OP 10% allowance left
    Mortgage  free Aim July 2027.
    July 25 £57,000, £56950
    August 25 £56,400

    house improvement/emergency budget/holiday fund needs topping up.

  • beanielou
    beanielou Posts: 95,629 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    A week of budget shopping will help.
    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.
  • V3cash
    V3cash Posts: 299 Forumite
    Eighth Anniversary 100 Posts Name Dropper Photogenic
    edited 16 June at 4:49PM
    beanielou said:
    A week of budget shopping will help.
    £0 spends today
    i should do one of those use everything up weeks.
    so far I’ve resisted temptation to go to shops as I have enough food in and I’m going to write a list of meals and what we have to save on shopping this week.


    Barclaycard £5800 (0%) ends April 26.
    2025-26 MFW Target #68 £13,500
    £378.07 left OP 10% allowance left
    Mortgage  free Aim July 2027.
    July 25 £57,000, £56950
    August 25 £56,400

    house improvement/emergency budget/holiday fund needs topping up.

  • V3cash
    V3cash Posts: 299 Forumite
    Eighth Anniversary 100 Posts Name Dropper Photogenic
    edited 16 June at 4:51PM
    Husband has got a new job, signed his contract today and whilst wages are higher, I don’t think he will take home as much, as his old work used to do salary sacrifice for pension.
    anyway we are very lucky he could walk straight into a new job and he should get redundancy, just got to see if he gets paid ????
    some of his work colleagues are not as lucky so we are grateful 🙏 


    Barclaycard £5800 (0%) ends April 26.
    2025-26 MFW Target #68 £13,500
    £378.07 left OP 10% allowance left
    Mortgage  free Aim July 2027.
    July 25 £57,000, £56950
    August 25 £56,400

    house improvement/emergency budget/holiday fund needs topping up.

  • V3cash
    V3cash Posts: 299 Forumite
    Eighth Anniversary 100 Posts Name Dropper Photogenic
    £540
    left
    somewhere i miscalculated or I left hubby’s ticket for getting in bus lane out.
    4 days left
    Plan on £0 spend day today as working.


    Barclaycard £5800 (0%) ends April 26.
    2025-26 MFW Target #68 £13,500
    £378.07 left OP 10% allowance left
    Mortgage  free Aim July 2027.
    July 25 £57,000, £56950
    August 25 £56,400

    house improvement/emergency budget/holiday fund needs topping up.

  • V3cash
    V3cash Posts: 299 Forumite
    Eighth Anniversary 100 Posts Name Dropper Photogenic
    Another £0 spend day today 
    3 days left


    Barclaycard £5800 (0%) ends April 26.
    2025-26 MFW Target #68 £13,500
    £378.07 left OP 10% allowance left
    Mortgage  free Aim July 2027.
    July 25 £57,000, £56950
    August 25 £56,400

    house improvement/emergency budget/holiday fund needs topping up.

  • V3cash
    V3cash Posts: 299 Forumite
    Eighth Anniversary 100 Posts Name Dropper Photogenic
    edited 18 June at 7:34AM
    So it’s my day off, no daughter as she’s in London so today will be cheaper.
    I have my scheduled massage which is about £25 and I need to buy sausage meat as making sausage rolls for our wellbeing day at work tomorrow.
    plus i need eye drops as my hay fever is next level at the moment!
    not sure im gonna get through the wellbeing day at work as it’s outside, might not be much of a wellbeing day for me 😢
    news on house front.
    Husband and his sister have sold their parents property although the prospective buyers wanted to pay us cash to store sand and cement in the garage before sales goes ahead.
    we politely declined 😬
    they supposedly don’t want a survey or search’s.
    they are willing to take our word on that the last survey turned up one minor problem.(this is true but we don’t know what level survey they had)
    makes me feel that they are builders and will gut the place.
    but searches?
    Anyway we would have had that done as last buyer we got to signing paperwork, they obviously didn’t.
    Supposedly they are cash buyer and renting but we’ve heard that before, I’ll believe it once they sign I guess.
    if it goes ahead it should be quicker.
    but like I said I won’t hold my breath.
    wont be a £0 day today but aiming for one tomorrow.


    Barclaycard £5800 (0%) ends April 26.
    2025-26 MFW Target #68 £13,500
    £378.07 left OP 10% allowance left
    Mortgage  free Aim July 2027.
    July 25 £57,000, £56950
    August 25 £56,400

    house improvement/emergency budget/holiday fund needs topping up.

  • V3cash
    V3cash Posts: 299 Forumite
    Eighth Anniversary 100 Posts Name Dropper Photogenic
    edited 19 July at 6:59AM
    So I’ve made another error on my budget, somehow leaving £100 off 🙄
    triple checking it and next month to ensure that doesn’t happen again.
    been to local butcher and had my monthly massage, knots de knotted 👍 not at the butchers 😜
    so I have 406.19 left now with 2 days left.
    aiming for £0 spend tomorrow 
    making veggie curry today with limp broccoli and old carrots.
    was gonna make soup but had some sweet potatoes that I thought would be nice in curry, had some coconut milk so added half, I alway freeze the other half and it works really well, otherwise it just ends up in bin. I only use coconut milk now and again.


    Barclaycard £5800 (0%) ends April 26.
    2025-26 MFW Target #68 £13,500
    £378.07 left OP 10% allowance left
    Mortgage  free Aim July 2027.
    July 25 £57,000, £56950
    August 25 £56,400

    house improvement/emergency budget/holiday fund needs topping up.

  • South_coast
    South_coast Posts: 5,886 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    V3cash said:
    been to local butcher and had my monthly massage
    Did they use a tenderiser 🤔?
    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
  • V3cash
    V3cash Posts: 299 Forumite
    Eighth Anniversary 100 Posts Name Dropper Photogenic
    V3cash said:
    been to local butcher and had my monthly massage
    Did they use a tenderiser 🤔?
    So funny 😆 
    just realised how that sounds 🙄


    Barclaycard £5800 (0%) ends April 26.
    2025-26 MFW Target #68 £13,500
    £378.07 left OP 10% allowance left
    Mortgage  free Aim July 2027.
    July 25 £57,000, £56950
    August 25 £56,400

    house improvement/emergency budget/holiday fund needs topping up.

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