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misstara's mortgage free diary
Comments
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£6.99 spent on fruit and veg today. I also spent £2.95 on a coffee deal through my mobile phone rewards. I had to sign up to a subscription but I've put a reminder to cancel it as soon as I receive the coffee I ordered.
£6.73 cashed out from PA and moved to the roof debt savings.
No sign of my pay slip yet but did get an email about a wee pay rise - works out about £50 extra a month so happy enough with that.
Today was a very mixed day at work - morning was lovely and then it all went to !!!!!! in the afternoon 😫 double shift tomorrow and then thankfully weekend off.
Mortgage 26.4.25 - £108,500 1.6.26 - £103,081.71 (5% paid)
Mortgage overpayments so far - £943.88
Debt 16.11.25 - £5160 1.6.26 - £4460 (13.6% paid)
Roof savings - £1863.89/£3660 (49.1% saved)1 -
Glad you have the weekend off to look forward to.
I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
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 -
can’t wait to see the plans for that extra £50
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 12st 1lb 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.1 -
Thanks beanie and INOD. Nothing exciting planned for the £50 this month, going to put it towards the credit card to pay back for the home insurance.
NSD yesterday and today will be the same. Have had a productive day - allotment this morning followed by a tip run to get rid of some old wood and electrical items. I also went and finally joined the library so took out some books.
Got my payslip yesterday so will need to do some planning. Also got a letter saying that my 6 month fixed saver is maturing next month so I need to figure out what I want to do with it.
Mortgage 26.4.25 - £108,500 1.6.26 - £103,081.71 (5% paid)
Mortgage overpayments so far - £943.88
Debt 16.11.25 - £5160 1.6.26 - £4460 (13.6% paid)
Roof savings - £1863.89/£3660 (49.1% saved)1 -
Morning spent down the allotment again - just taking a quick break in the sunshine 😎 plan is to do another hour or so and then pop to the supermarket on the way home. Was hoping my petrol would last until payday but since I will need the car tomorrow and Tuesday for work, I'll need to top it up.
Mortgage 26.4.25 - £108,500 1.6.26 - £103,081.71 (5% paid)
Mortgage overpayments so far - £943.88
Debt 16.11.25 - £5160 1.6.26 - £4460 (13.6% paid)
Roof savings - £1863.89/£3660 (49.1% saved)1 -
Today is a year since we got the keys to the house 😄
Payday tomorrow so budget is:
- £200 credit card
- £100 car fund
- £50 Christmas fund
- £100 emergency fund
- £150 roof debt savings
Mortgage 26.4.25 - £108,500 1.6.26 - £103,081.71 (5% paid)
Mortgage overpayments so far - £943.88
Debt 16.11.25 - £5160 1.6.26 - £4460 (13.6% paid)
Roof savings - £1863.89/£3660 (49.1% saved)3 -
That’s been a quick year!
I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
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 -
Congrats on the first anniversary of your new home :-)
1 -
Thanks beanie and Boodedoo - the year has certainly flown past!
NSD yesterday, today I spent £12.80 on food shopping on a few bits to get us to the weekend when we'll do a bigger shop.
Mortgage 26.4.25 - £108,500 1.6.26 - £103,081.71 (5% paid)
Mortgage overpayments so far - £943.88
Debt 16.11.25 - £5160 1.6.26 - £4460 (13.6% paid)
Roof savings - £1863.89/£3660 (49.1% saved)1 -
Made a decision about the savings account that is maturing next month and have opened a 1 year fixed saver. I'll aim to put the max in of £250 a month which will initially be funded from the money from the matured savings account. Once I get the interest from the matured savings account, I'll add it to the roof debt savings.
Mortgage 26.4.25 - £108,500 1.6.26 - £103,081.71 (5% paid)
Mortgage overpayments so far - £943.88
Debt 16.11.25 - £5160 1.6.26 - £4460 (13.6% paid)
Roof savings - £1863.89/£3660 (49.1% saved)1
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