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misstara's mortgage free diary

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Comments

  • misstara
    misstara Posts: 4,075 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    edited 4 December at 9:37PM
    £7.72 spent on food - also got some crisps and some ys smoked salmon which has gone in the freezer for Christmas day.

    Have looked at broadband and chosen a new supplier for £23 a month so saving £20.50 per month which can go towards the roof savings/debt.

    Also ordered presents for sister, bil and her kids so £70 spent there.  Will still get a couple of wee stocking fillers type things for them.  Have budgeted £100 for them, £120 for brothers family (they have an extra kid), £100 for mum and dad, £20 for my gran, £20 for a friend, £10 for work secret santa and £150 for OH.  Money in the Christmas fund with a little extra left to buy the tree and hopefully a wee bottle of something for me and OH to share.

    Have done 2 surveys on q mee which netted me a whole 97p - the roof debt will be gone in no time :lol: also did a survey on the new survey site I signed up to and am currently about half way towards being able to cash out £5.

    Tomorrow I'm on a late shift but have a teams meeting I need to attend first thing so will do that from home and then popping round to a friend's house for a coffee before work.
    Mortgage 26.4.25 - £108,500  1.10.25 - £104,960.46
    Mortgage overpayments so far - £876.94
    Debt 16.11.25 - £5160  27.11.25 - £5060 (1.9% paid)
  • South_coast
    South_coast Posts: 6,143 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    97p on qmee is quite an achievement!
    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!!!
  • misstara
    misstara Posts: 4,075 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Very true South_coast!

    Not much to report from today.  Had a lovely time at my friend's this morning and work was ok although quite emotionally draining.  NSD today :smile:
    Mortgage 26.4.25 - £108,500  1.10.25 - £104,960.46
    Mortgage overpayments so far - £876.94
    Debt 16.11.25 - £5160  27.11.25 - £5060 (1.9% paid)
  • misstara
    misstara Posts: 4,075 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    edited 6 December at 11:43PM
    £5 spent today on a wee Christmas present for my gran plus £2.10 on rolls and yoghurt.

    Need to do a proper food shop, have a £5 off £40 voucher for Lid! that expires tomorrow so we will head there once I've finished work.
    Mortgage 26.4.25 - £108,500  1.10.25 - £104,960.46
    Mortgage overpayments so far - £876.94
    Debt 16.11.25 - £5160  27.11.25 - £5060 (1.9% paid)
  • dawnybabes
    dawnybabes Posts: 3,591 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    I’ve the same voucher! I intend using it 🤣🤣
    Sealed pot challenge 822

    Jan - £176.66 :j
  • misstara
    misstara Posts: 4,075 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Hope you managed to use the voucher dawnybabes.

    I popped to Lid! after work for the shopping and was actually really glad OH had opted out as it was a bigger one than the one we usually go to and I think it would have been hard to tear him away from the middle aisle bargains :lol:  Spent £42.38 after the voucher was applied so happy with that.  Stuck to my list other than a wee stocking fillers for OH and some tea lights. Moved £5 from the food budget to the roof savings/debt. 

    Had a panic earlier as there was a charge on my credit card that I didn't recognise but thankfully before I phoned the bank, we remembered it was a yearly recurring payment for some app OH uses.  He's given me the money and I've paid it straight off.

    Got an email from a survey site that I had completely forgotten about asking me to update my profile.  Signed up a few years ago and have done the occasional survey since but it's ages.  Profile updated and currently over half way towards redeeming a £25 voucher.

    Nothing else to report so better head off to bed as I need to go in a bit earlier tomorrow to see the NS staff member.
    Mortgage 26.4.25 - £108,500  1.10.25 - £104,960.46
    Mortgage overpayments so far - £876.94
    Debt 16.11.25 - £5160  27.11.25 - £5060 (1.9% paid)
  • misstara
    misstara Posts: 4,075 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Very quick post before bed - NSD yesterday.  Today have spent £52 on Christmas presents for my brother and one of my nephews.  Have ideas for the other 2 so just need to buy them.

    Cashed out a £5 @mazon voucher from the new survey site I signed up to so once I get that, I'll transfer £5 from the Christmas presents fund to the roof debt/savings.
    Mortgage 26.4.25 - £108,500  1.10.25 - £104,960.46
    Mortgage overpayments so far - £876.94
    Debt 16.11.25 - £5160  27.11.25 - £5060 (1.9% paid)
  • misstara
    misstara Posts: 4,075 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    £2.20 spent today on sugar and rolls.

    64p moved to roof savings from cashback.
    Mortgage 26.4.25 - £108,500  1.10.25 - £104,960.46
    Mortgage overpayments so far - £876.94
    Debt 16.11.25 - £5160  27.11.25 - £5060 (1.9% paid)
  • misstara
    misstara Posts: 4,075 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Spend day again today - more Christmas presents bought (£65.34), wee present for one of the staff who is leaving (£10 contribution) and some nice coffee for over Christmas for me (£12.60).  I've started buying coffee from the supermarket rather than the nice coffee roasters in town in order to save some money on our food bill but thought I would treat myself.

    Got a half day working from home tomorrow which will hopefully be productive and have taken the afternoon off.  Planning to either head into town tomorrow afternoon or early Saturday morning to try and get a few more bits for Christmas presents.

    Work night out on Saturday so will need to have a look through my clothes and find some sort of outfit.
    Mortgage 26.4.25 - £108,500  1.10.25 - £104,960.46
    Mortgage overpayments so far - £876.94
    Debt 16.11.25 - £5160  27.11.25 - £5060 (1.9% paid)
  • If you can’t treat yourself to nice coffee at Christmas, I’m not sure when you can.  Enjoy
    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 11st 12lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge. I’m not perfect but I’m good enough for now.
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