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misstara's mortgage free diary

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Comments

  • misstara
    misstara Posts: 4,275
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Forumite

    £9.09 cashed out from surveys and moved to the roof debt savings, 35.1% saved 😀

    Walking to work this morning, been so much better at this recently although much easier to motivate myself when the weather is nice.

    Today should be a NSD🤞

    Mortgage 26.4.25 - £108,500  1.10.26 - £101,793.04 (6.2% paid)
    Mortgage overpayments so far - £995.84
    MOP savings - £23.87/£50
    Debt 16.11.25 - £5160  1.10.26 - £4050 (21.5% paid)
    Roof savings - £3650/£3650 (100% saved 🥳)
  • in_need_of_direction
    in_need_of_direction Posts: 8,433
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Forumite

    all sounds very positive

    June 2026, Mortgage free, Emergency fund fully funded & £200/200 cash maximum pb holding .:jWeight 12st challenge 11st 2lb

    Gift to children challenge £40k in 2 years. Short term gift challenge 7 presents and $1300 can by September.

    Determined to stop defining myself by my mistakes. Progress not perfection. I’m not perfect but I’m good enough.
    https://forums.moneysavingexpert.com/discussion/6673398/hopefully-cruising-with-focus-towards-retirement#latest
  • misstara
    misstara Posts: 4,275
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Forumite

    Thanks INOD 🙂

    A NSD yesterday. £8 spent today on compost and some seeds.

    £2.03 moved to roof debt savings from cashback.

    Mortgage 26.4.25 - £108,500  1.10.26 - £101,793.04 (6.2% paid)
    Mortgage overpayments so far - £995.84
    MOP savings - £23.87/£50
    Debt 16.11.25 - £5160  1.10.26 - £4050 (21.5% paid)
    Roof savings - £3650/£3650 (100% saved 🥳)
  • misstara
    misstara Posts: 4,275
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Forumite

    Oops haven't posted for a while again but nothing major to report.

    We were away for 4 nights last week visiting family which was lovely but a bit stressful coming back with the boats. We made it back ok but rather later than originally planned.

    Bit of a spendy day today as paid for the car tax which was £275 but paid for from the car fund.

    Also got my home insurance renewal quote through (£338.44) so had a look round and got it for £163.55 😀 plus went through TCB so should get £36 back at some point. Didn't have enough in the home fund to pay it all (have been paying monthly for home insurance up until now) so put it on the credit card, have paid the £63.55 off already and will pay an extra £100 to the credit card once I get paid.

    Cashed out £6.12 from PA and added it to the roof debt savings. Have got around £12 waiting for approval as well so hopefully that will be available to cash out soon.

    Mortgage 26.4.25 - £108,500  1.10.26 - £101,793.04 (6.2% paid)
    Mortgage overpayments so far - £995.84
    MOP savings - £23.87/£50
    Debt 16.11.25 - £5160  1.10.26 - £4050 (21.5% paid)
    Roof savings - £3650/£3650 (100% saved 🥳)
  • misstara
    misstara Posts: 4,275
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Forumite

    A NSD today as at work on double shift.

    £7.19 cashed out from PA and sent to the roof debt savings 🙂

    £25 cashback from TCB (from the savings account I opened at the end of last year) cashed out so just waiting for it to hit p@yp@l and then it will go to the roof debt savings as well.

    Mortgage 26.4.25 - £108,500  1.10.26 - £101,793.04 (6.2% paid)
    Mortgage overpayments so far - £995.84
    MOP savings - £23.87/£50
    Debt 16.11.25 - £5160  1.10.26 - £4050 (21.5% paid)
    Roof savings - £3650/£3650 (100% saved 🥳)
  • misstara
    misstara Posts: 4,275
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Forumite

    £25 from TCB hit p@yp@l and has been transferred to the roof debt savings.

    It's been a NSD.

    Mortgage 26.4.25 - £108,500  1.10.26 - £101,793.04 (6.2% paid)
    Mortgage overpayments so far - £995.84
    MOP savings - £23.87/£50
    Debt 16.11.25 - £5160  1.10.26 - £4050 (21.5% paid)
    Roof savings - £3650/£3650 (100% saved 🥳)
  • misstara
    misstara Posts: 4,275
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Forumite

    Day off yesterday so popped to the allotment in the morning but not for long as it started raining. Spent the rest of the day in the house - did some cleaning, baked peanut butter cookies and watched some films with OH. It was a NSD.

    Today should also be a day off but I'm popping into work for a few hours. It's for an activity though so should be fun overtime. It's a beautiful day here so after I finish, we might head to the allotment or go for a nice walk. Need to get a food shop at some point and OH was also talking about going to beeandq to get some stuff so definitely won't be a NSD today.

    Mortgage 26.4.25 - £108,500  1.10.26 - £101,793.04 (6.2% paid)
    Mortgage overpayments so far - £995.84
    MOP savings - £23.87/£50
    Debt 16.11.25 - £5160  1.10.26 - £4050 (21.5% paid)
    Roof savings - £3650/£3650 (100% saved 🥳)
  • misstara
    misstara Posts: 4,275
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Forumite

    Spent £4 on a coffee and doughnut while out with work and then food shopping was £38.47.

    We opted to go for a walk instead of the allotment although it definitely had gotten cooler as the day went on.

    Mortgage 26.4.25 - £108,500  1.10.26 - £101,793.04 (6.2% paid)
    Mortgage overpayments so far - £995.84
    MOP savings - £23.87/£50
    Debt 16.11.25 - £5160  1.10.26 - £4050 (21.5% paid)
    Roof savings - £3650/£3650 (100% saved 🥳)
  • misstara
    misstara Posts: 4,275
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Forumite

    Today has been another NSD - work was busy and glad I took my car as ended up having to go out 3 times for various things. Finished on time though and went for a (very slow!) run after work.

    Have done a few surveys this evening so just now waiting for it to be available to cash out.

    Mortgage 26.4.25 - £108,500  1.10.26 - £101,793.04 (6.2% paid)
    Mortgage overpayments so far - £995.84
    MOP savings - £23.87/£50
    Debt 16.11.25 - £5160  1.10.26 - £4050 (21.5% paid)
    Roof savings - £3650/£3650 (100% saved 🥳)
  • misstara
    misstara Posts: 4,275
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Forumite

    Tuesday was a NSD and yesterday would have been but I decided to take advantage of an offer in Martin's email so £4.95 spent. I think I will use the toiletries but if not, they can go towards someone's birthday/Christmas gift.

    Today won't be a NSD either as need a wee top-up of fruit and veg.

    Mortgage 26.4.25 - £108,500  1.10.26 - £101,793.04 (6.2% paid)
    Mortgage overpayments so far - £995.84
    MOP savings - £23.87/£50
    Debt 16.11.25 - £5160  1.10.26 - £4050 (21.5% paid)
    Roof savings - £3650/£3650 (100% saved 🥳)
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