We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

misstara's mortgage free diary

1…2829313334…40

Comments

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

    It is indeed beanie. Had a lovely morning with her and she is very much looking forward to her party next weekend.

    Went to the allotment afterwards and did a few hours weeding and planting out a few things. Then we popped to the supermarket to get a food shop - £27.35 spent. That should hopefully see us through to payday.

    We then went a trip to beeandq to buy a BBQ which is something I have wanted for ages plus got a few plants. OH had some leftover on a gift card from his birthday and we split the rest so £12.10 spent.

    Once we got home, I sat out in the garden with a g&t and book for half an hour which was lovely. Roast chicken in the oven which will be ready in about 30 minutes 😋

    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 yesterday and today should be the same - just counting down the days to payday. Got an amended payslip yesterday as mileage rates have gone up 10p to 55p per mile. I'll now get paid an extra £2.90 😂

    Got away from work a bit early yesterday and headed to the allotment, will pop over again after work today.

    Sitting out in the garden enjoying my coffee before I go get ready for work 😎

    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

    Had a lovely weekend with family and my gran really enjoyed her party.

    Spends for over the weekend were £64.05 on petrol and £43.56 on food shopping and cleaning supplies.

    I've also ordered a new phone and case (£192.99) as I dropped mine over the weekend and it's no longer working properly (screen keeps moving and apps not opening). It will arrive today so I'll set it up later.

    Payday at the end of last week so usual savings - £300 roof, £100 car, £50 Christmas, £100 emergency. I've paid £100 to the credit card 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

    New phone has arrived and has been set up 😀

    Spent £2 on eggs today as OH was part way through making egg fried rice for tea and discovered that we had no eggs. Thankfully we have a corner shop 30s walk away so crisis averted!

    Really struggling with abdominal pain tonight, I hate taking strong painkillers but needs must so just waiting for them to kick in and then off to bed.

    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 🥳)
  • Boodedoo
    Boodedoo Posts: 527
    Part of the Furniture 500 Posts Combo Breaker
    Forumite

    Congrats to Gran, what changes she must have seen in her lifetime:-)

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

    Thanks Boodedoo 🙂

    Have had a really hard-going week at work, there's a lot going on and things just haven't been getting done to the standard they should be so I've had to have some difficult conversations with staff. 2 weeks to go until annual leave and it can't come soon enough.

    Need to update YNAB today as it's been a week of grabbing easy food which is always more expensive.

    Day off today so going to head to the allotment shortly as it's been completely neglected this week. With all the rain we've had, I imagine the weeds are out of control. Also need to clean the house as it is a tip and do a food shop.

    My lovely mum sent me some money so need to decide where to allocate it.

    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

    £30.82 spent on food shopping plus £1.29 on a bottle of juice at the allotment.

    Did about 3 hours at the allotment although there were so many weeds, it doesn't actually look like much progress was made. Rain again for the next few days.

    Decided to allocate the money from my mum to the emergency fund (£500), holiday (£500), debt roof savings (£800) plus £100 each to spend on whatever we want.

    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 🥳)
  • beanielou
    beanielou Posts: 101,436
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Ambassador

    Good idea to split the money from your mum. Roof savings going up nicely.

    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.[/b] [11 months left.[/b]
  • misstara
    misstara Posts: 4,275
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Forumite

    They sure are beanie - definitely should hit my target to pay it all off before the interest free period ends in February.

    Nothing to report from today except a NSD but trying to get back in the habit of posting daily to keep myself on track.

    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

    Popped to the gym after work, had hoped to get outside for a run but the weather was awful.

    Went to Bee&ms after and spent £23.39, £18.51 on food and the rest on toiletries. Had an offer of 7% cashback there through my current account so at least I'll get a little something back 🙂

    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 🥳)
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 355.7K Banking & Borrowing
  • 254.9K Reduce Debt & Boost Income
  • 456.1K Spending & Discounts
  • 248.3K Work, Benefits & Business
  • 605.9K Mortgages, Homes & Bills
  • 179K Life & Family
  • 263.7K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.