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misstara's mortgage free diary

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

    Spent a few hours at the allotment yesterday morning and then afternoon at home as it had started to rain a bit. Picked some beetroot and made a chocolate and beetroot loaf cake which is rather nice. Also picked enough rhubarb for 3 crumbles which has gone in the freezer for a later date. Spends were £17.62 on some food shopping and £16 on hair dye.

    Today I'm meeting a friend for lunch at 12 so just about to pop in the shower and get ready. We're heading to a place that's got a lovely beer garden. I'll then probably head to the allotment in the later afternoon once it has hopefully cooled down a bit.

    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

    Spends for yesterday were £42.10 on lunch out with my friend. We ended up sitting all afternoon in the beer garden drinking cider so a bit more expensive than anticipated but lovely. Didn't end up going to the allotment but OH had gone over earlier in the day to water everything.

    This morning we've given the downstairs of the house a good clean. OH is out doing some gardening and I'm going to pop over to the allotment before meeting a friend in town for coffee. I might go for a wander round town after as I have some vouchers to spend.

    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

    Ended up going down to the beach for a walk and ice-cream on Wednesday - £4.95 spent. Headed into town afterwards and got a pair of jeans and reed diffuser plus some shampoo - £15.08 spent after vouchers.

    Yesterday I met some friends for a walk at a local park so £6.45 spent on coffee and a scone.

    Today looks lovely at the moment but it is due to rain so planning a home day. Going to pop out to the library at some point and OH wants to go to bee&que.

    £6.53 paid off credit card (cashback from their rewards system) plus £7.80 added to roof debt savings from PA surveys and ch@se 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

    Taking a break at the allotment - it is a beautiful sunny day 😎 spends so far today are £2 on some juice but going to pop to the shop on the way home to get some burgers and buns as we're going to try out the new bbq this afternoon. Can't believe this is the last day of my annual leave 😢

    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

    £18.26 spent on shopping yesterday including getting some stuff for work breakfasts/lunch.

    Payday today 😀 I got around £500 more than usual due to holiday average so have been able to put extra into savings.

    • £200 car fund
    • £300 emergency fund
    • £500 roof debt savings
    • £50 christmas
    • £103.47 paid to credit card
    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

    That’s great.

    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

    It is indeed beanie 😀

    NSD yesterday and today should be one as well. Double shift today but working from home this morning which is lovely. No distractions so I'm much more productive.

    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

    NSD yesterday 😀

    Was working an early shift today but left early as need to go back in cover the night shift 😢 as annoying as it is, hopefully I will be able to catch up on various paperwork and it's an extra 10 hours OT.

    £22.25 spent on night shift snacks, coffee and some first aid supplies.

    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

    Saturday was a day spent mostly gardening once I got up plus we popped to the supermarket to do a food shop - £38.35 spent.

    Sunday we went to a farmers market and I spent £29.50 on various bits - coffee, chutney, honey, salt, hot sauce, cheese and home bakes. All very yummy 😋

    Yesterday and today have been NSDs. Ended up doing a few hours OT over both days but going to take it as TOIL for a change and leave early tomorrow to spend the afternoon with my gran.

    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

    Nothing much to report from the last few days. Seeing my gran was lovely although she was feeling very tired so only stayed for an hour or so. The last 2 days have been NSDs, today won't be as I have my eyebrow appt after 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 🥳)
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