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misstara's mortgage free diary

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Comments

  • misstara
    misstara Posts: 4,168 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!

    £5.25 spent in supermarket on Sunday. A NSD Monday, ended up having to stay on to do a double shift at work but planning to finish up early on Friday to take some of the hours back. £30 spent yesterday on a meal out with a friend - I paid and she'll get the next one.

    £7.35 cashed out from PA and moved 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 - £1287.38/£3660 (35.2% saved)
  • misstara
    misstara Posts: 4,168 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!

    Managed to get away from work at 12 on Friday and headed to the allotment for a few hours before going to my eyebrows appointment - £20 spent on that. Yesterday was a NSD - allotment in the morning and then watching rugby the rest of the day.

    Today we went shopping nice and early - will need to check my receipts for spends. Going to head to see my gran shortly and have lunch with her then maybe go to the allotment depending on the time.

    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 - £1287.38/£3660 (35.2% saved)
  • misstara
    misstara Posts: 4,168 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!

    £63.73 spent on food shopping. Slightly concerning that we've already spent 2/3 of the budget and it's only half way through the month but hopefully what we got today will last us longer than the week.

    £2.88 moved to roof debt savings from surveys and cashback.

    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 - £1287.38/£3660 (35.2% saved)
  • misstara
    misstara Posts: 4,168 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!

    Also spent £38.45 in bee&que. Got a few bits and bobs for the allotment including some potatoes which are now chitting on the windowsill.

    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 - £1287.38/£3660 (35.2% saved)
  • misstara
    misstara Posts: 4,168 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!

    Yesterday was a NSD 🙂 today should be as well.

    Ended up working 3 hours OT yesterday, today will hopefully go smoother although I really didn't sleep well last night so not feeling great this morning.

    £9.90 moved to roof debt savings from PA surveys and cashback.

    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 - £1287.38/£3660 (35.2% saved)
  • misstara
    misstara Posts: 4,168 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!

    Tuesday was a NSD, yesterday I spent £8.76 on some veg, fruit, brown sauce and ys flowers. Today should be a NSD.

    Walking to work for the first time in ages. It was one of my goals for the year and it's been a bit of a fail. Hopefully with the better weather coming in, I'll make more of an effort.

    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 - £1287.38/£3660 (35.2% saved)
  • misstara
    misstara Posts: 4,168 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!

    Thursday/Friday were NSDs. Yesterday I spent around £70 on a meal out and drinks with friends - budgeted for though and very much enjoyed.

    Today's plan is cleaning the house (me), doing some gardening jobs (OH), small food shop and maybe a walk this afternoon.

    Council tax bill came through and is actually less per month than what we've been paying (due to moving into the house in May and not starting paying council tax until August). Was expecting it to be more so it was a pleasant surprise.

    Got my payslip through so need to do a budget. Due to the amount of OT I did last month, I should still to able to save the usual £300 to the roof debt as well as paying the council tax 😀 however, going forward it will be less as I don't want to be working that much every month.

    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 - £1287.38/£3660 (35.2% saved)
  • misstara
    misstara Posts: 4,168 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!

    Cleaning and gardening jobs are done 😀

    Just away to make a list and pop to the supermarket. Will go in past the tip on the way there to get rid of some stuff we cleared from the allotment yesterday.

    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 - £1287.38/£3660 (35.2% saved)
  • misstara
    misstara Posts: 4,168 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!

    Shop yesterday cost £44.57 - £35.76 on food and the rest on compost, little seedling pots and a reed diffuser. Need to look through the seeds leftover from last year and see what we'll need to buy for this year.

    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 - £1287.38/£3660 (35.2% saved)
  • misstara
    misstara Posts: 4,168 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!

    NSD today as was on a double shift. £1.24 cashed out from t0pcashback and moved 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 - £1287.38/£3660 (35.2% saved)
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