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misstara's mortgage free diary
Comments
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Yesterday was a work night out which was very fun - around £80 spent on food, drinks and taxis. Today has been a bit of a write off - haven't felt hungover, just very tired so haven't done much apart from giving the house a clean.
£17.99 moved to roof debt savings from cashback and surveys - now at 88.7% saved and the 0% offer doesn't run out until February next year 😀
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 🥳)1 -
Brilliant effort on the roof debt savings ! you are way ahead of schedule to have it nailed 😁
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Thanks Boodedoo 😄
Not much to report over the last few days - few little spends on food (£9.72), really need to go and do a proper shop at the weekend.
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 🥳)0 -
Friday was a NSD and yesterday spent £8.40 on bacon rolls and drinks from the local bakery while at the allotment. Spent the rest of the day yesterday watching rugby.
Today I've come down to the allotment, OH has gone back to bed with a migraine. Will finish up shortly and go food shopping.
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 🥳)0 -
£88.16 spent on shopping yesterday but did include cleaning supplies, toilet paper, washing tabs, etc plus a stock up of store cupboard items.
Exchanged Lid! points for a £5 off voucher so will use that towards next shop.
£13.89 moved to roof debt savings (£8.89 from cashback and £5 from food budget).
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 🥳)1 -
Yesterday would have been a NSD but decided to order some new headphones for both me and OH as his are broken and I can't find mine anywhere. £55.98 spent, OH will transfer the money for his when he next gets his PIP. I will of course find mine now that I've ordered another pair 😂
Double shift today so it will 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 🥳)1 -
Yesterday would have been a NSD but decided to order some new headphones for both me and OH as his are broken and I can't find mine anywhere. £55.98 spent, OH will transfer the money for his when he next gets his PIP. I will of course find mine now that I've ordered another pair 😂
Double shift today so it will 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 🥳)1 -
Yesterday was a NSD. Had a particularly bad day health-wise yesterday to the point I came home at lunchtime and worked from home the rest of the day. Have woken up feeling better today but still got some discomfort and feel drained so hopefully work will be a nice easy one. Today should also be a NSD - OH has already prepped cauliflower cheese so it will just be a case of sticking it in the oven.
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 🥳)1 -
Hope today is a better day.
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]1 -
Thanks beanie - it was indeed a better day. Felt my usual self by lunchtime, had a fairly productive day at work and a meeting I was dreading got pushed until next week. Might have been better to get it over and done with but wasn't really in the right mood to deal with it today so glad it got moved.
Would have been a NSD but decided to get a baguette to go with the cauliflower cheese so 85p spent.
We have rain which is good as the garden and allotment could both do with it. Hoping it stops by tomorrow though as I'm meeting a friend for a walk
Payslip is through as well so will need to start work on a budget.
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 🥳)0
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