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misstara's mortgage free diary
Comments
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£29.13 left in the food budget once the direct debit for the milk was taken off so that's been moved over to the roof debt savings.
Payday tomorrow so will allocate the following:
- Credit card £100
- Roof £300
- Car £100
- Christmas £50
- Emergency fund £100
- Holiday £50
Mortgage 26.4.25 - £108,500 1.4.26 - £103,723.68 (4.4% paid)
Mortgage overpayments so far - £927.90
Debt 16.11.25 - £5160 1.4.26 - £4660 (9.7% paid)
Roof savings - £1332.33/£3660 (36.4% saved)1 -
Payday 😄
Have almost saved 25% of my £3660 roof debt savings target 😄
Mortgage 26.4.25 - £108,500 1.4.26 - £103,723.68 (4.4% paid)
Mortgage overpayments so far - £927.90
Debt 16.11.25 - £5160 1.4.26 - £4660 (9.7% paid)
Roof savings - £1332.33/£3660 (36.4% saved)3 -
Well done.
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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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.1 -
Thanks beanie.
£8.02 redeemed from PA and added to the roof debt savings which takes me to 25% 😄
Off for an early night as really struggled today so hoping I feel more refreshed tomorrow.
Mortgage 26.4.25 - £108,500 1.4.26 - £103,723.68 (4.4% paid)
Mortgage overpayments so far - £927.90
Debt 16.11.25 - £5160 1.4.26 - £4660 (9.7% paid)
Roof savings - £1332.33/£3660 (36.4% saved)0 -
25% of the roof debt saved already is SO good! ( I think its only been about 4-5 months?) and now PA have let you in again that will be a big help.
Hope you managed a good night's sleep and feel a bit better.
1 -
Thanks Boodedoo - being able to access surveys on PA definitely helps!
Nice day off yesterday - met my friend for a walk and lunch in a new-to-me cafe which was lovely, £10.70 spent. Popped to the allotment for a hour or so first.
Back at work today but was a nice shift and got lots done. £34.56 spent in the supermarket after work on some food shopping.
£1.88 cashed out from surveys and added to the roof debt savings.
Mortgage 26.4.25 - £108,500 1.4.26 - £103,723.68 (4.4% paid)
Mortgage overpayments so far - £927.90
Debt 16.11.25 - £5160 1.4.26 - £4660 (9.7% paid)
Roof savings - £1332.33/£3660 (36.4% saved)2 -
NSDs yesterday and today 😀
£8.63 cashed out from PA and added to roof debt savings.
Mortgage 26.4.25 - £108,500 1.4.26 - £103,723.68 (4.4% paid)
Mortgage overpayments so far - £927.90
Debt 16.11.25 - £5160 1.4.26 - £4660 (9.7% paid)
Roof savings - £1332.33/£3660 (36.4% saved)2 -
Nothing much to report from the last few days. NSD Wednesday and small spend of £3.47 on yoghurt and fruit for work breakfasts.
Mortgage 26.4.25 - £108,500 1.4.26 - £103,723.68 (4.4% paid)
Mortgage overpayments so far - £927.90
Debt 16.11.25 - £5160 1.4.26 - £4660 (9.7% paid)
Roof savings - £1332.33/£3660 (36.4% saved)2 -
Opted to get a takeaway pizza for last night's tea to eat while watching the rugby - my share was £6.50.
Day off today and it's a beautiful day. Washing out on the line - first time this year 🙂 plan for today is to pop over to the allotment for a few hours, food shop and then rugby.
Mortgage 26.4.25 - £108,500 1.4.26 - £103,723.68 (4.4% paid)
Mortgage overpayments so far - £927.90
Debt 16.11.25 - £5160 1.4.26 - £4660 (9.7% paid)
Roof savings - £1332.33/£3660 (36.4% saved)2 -
£54.18 spent on shopping yesterday, around £45 on food and the rest on toiletries and cleaning stuff. There were a few things I couldn't get in Lid! so I'll pop somewhere else to get those today.
Plan for today is allotment again and then a chilled rest of day in the house.
£6.47 cashed out from PA and added to the roof debt savings.
Mortgage 26.4.25 - £108,500 1.4.26 - £103,723.68 (4.4% paid)
Mortgage overpayments so far - £927.90
Debt 16.11.25 - £5160 1.4.26 - £4660 (9.7% paid)
Roof savings - £1332.33/£3660 (36.4% saved)2
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