misstara's mortgage free diary

misstara

Last 3 days have been NSDs

Budget done for next month - £250 to be moved to roof savings and £100 to emergency fund.

Managed to get to the end of the month with some money leftover £53.86 from grocery and petrol budgets.  Transferred £28.86 to roof savings and £25 to mortgage overpayment account which means I've been able to make my next £50 overpayment

Boodedoo

first six months of your journey now done :-)
 It all seems to have gone/be going  according to plan, so well done!

misstara

Thanks Boodedoo - 6 months already, it has absolutely flown past!

Payday has been and gone so money moved to the roof savings and emergency fund.  

Mortgage payment has gone including including the usual £12.99 overpayment.

Haven't spent much money since payday, just £23.31 on food shopping.  Was working NS Fri, Sat and Sun so basically just worked and slept - great for saving money!

Day off today so have come down to the allotment.  OH is not feeling well today so just by myself but it's nice to be outside and getting fresh air.

Treated myself to a bacon roll and coffee from the nearby bakery (£4.50) and currently sitting enjoying it while watching a robin pick over the bed I've just cleared.

Plan for the rest of the day is eyebrows appointment at 12.30, food shop and then cleaning plus a bit of relaxation before back to work tomorrow.

misstara

Spends for today: £49.15 on food shopping, £20 on eyebrows, £16 on hair dye and £3.90 on throat sweets and cold/flu tablets for OH.  He is feeling very yucky so hoping I don't catch whatever he has.

£7.21 from surveys moved to mortgage overpayment account.

misstara

Quick post before bed - NSD today and 83p moved to mortgage overpayment account from cashback.

misstara

NSD yesterday

Roofer came out to look at what needs done so waiting for the quote to come through.  The figure he mentioned is doable from savings but would pretty much wipe out what's in the roof savings, the emergency fund and OH's savings   The alternative would be to use a money transfer offer from my credit card (0% until February 2027, 3.2% fee), keep the money in savings and then pay it back.  Undecided at present as really don't want to go back into debt but also don't want to wipe out all of our savings.  Ah well will wait until the quote comes through and then discuss properly with OH before making a decision.

Better get a move on for work.  Double shift today.

Boodedoo

Hopefully the quote will be less than his ball park figure and  you can always get other quotes to compare. The cost is probably way more than you'd like but realistically not as bad as leaving it and risking further damage to the structure of your home. 

6 months after the most major purchase of your life, you have a healthy emergency fund, money set aside for car fund/Christmas etc. have made overpayments to your mortgage, have saved towards the roof repair/replacement. Stand back and think about how great that is

You've got this, you will do it
 It may mean that the money transfer route is your best option and that will grate for a while but you'll suss out between you what the best way forward is.

misstara

Thanks Boodedoo - your support and comment is much appreciated as always.

Quote came through so £5000 which is what he quoted plus the VAT.  We've decided to go for it as already had someone come round to look who gave a figure of roughly the same amount but never got back in touch.  After discussing options, we've decided to do the money transfer offer as my savings are in accounts paying more than 3.2% interest and OH is going to look at moving his into a higher rate interest account.  So I've applied for that tonight - will update my signature once it all goes through.

We were away for the weekend visiting family and had such a lovely weekend.  Only costs were petrol and a £20 contribution to food costs.  £3.93 spent on a supermarket pizza and some juice for tea as we didn't get back until about 7pm.

Back to work tomorrow but just for the one day and then off again on Tuesday  

misstara

£17 spent yesterday on a meal out with a friend.  Lovely to catch up with her.

Today's plan is allotment, tip run, food shop and MOT.  The handbrake on my car decided to pull up really high yesterday so dreading how much that will cost to get fixed

misstara

Car failed its MOT and the garage I took it to couldn't get the wheels off due to the locking wheel nut being broken.  Took it to another garage today who assured me they would be able to get them off and that they think the work would be a maximum of £750 (!!) but they won't know for sure until the wheels are off and they can have a proper look.  Haven't heard anything back from them and I think they are shut the weekend.  

Work has started on the roof - the bit they are working on is the dormer windows where a bit fell off the last time it was really windy (!!) so hopefully will be finished in the next few days.  Longer term, the guy reckons the roof will need refelted and reslated.  The house was built in 1890 and who knows how old the roof is.  Nothing to worry about right now but something to think about for future.

Day off today so I gave the house a really good clean while OH was out at the allotment and then visiting a friend.  It's been a NSD.

Tomorrow won't be as I'm heading to Edinburgh with some friends to meet up with another friend.  Really looking forward to it but it will be a long day as the train down is 7.30am and won't get back until about 9.30pm.