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misstara's mortgage free diary
Comments
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NSD yesterday 🙂
Today won't be as OH has run out of cereal and I'm going to make some beetroot and feta dip so need to get some feta and lemon juice for that.
£2.46 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 🥳)0 -
£15.63 spent yesterday, £6.30 on toiletries and rest on food.
Slightly later start today as have a meeting at 9 in a different service. 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 🥳)1 -
NSDs Thursday and Friday 😀
Today we've been to bee&q where I got compost, a fork, polyfilla, a thing for smoothing the polyfilla and silicon - £42.12 spent. OH bought some things too but paid separately.
We're planning to give the bathroom a bit of a refresh so redoing the silicon in the shower and painting once various bits have had the polyfilla applied. Not sure what colour yet - it's currently grey. Clearly the previous occupants of the house liked grey as every room is that colour 😂
I've come down to the allotment while OH is doing some gardening at home. Pickings for today are a courgette, peas, tomatoes, onions and tatties 😀
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 -
Popped over to the bakers to get a bacon roll and coffee for lunch and some butteries for tomorrow's breakfast - £5.82 spent. Need to get some milk but won a £1.50 s@insburys voucher for my phone provider so that will cover it.
Added some raspberries and brambles to my allotment pickings for today. Plan to do another hour or so and then head to the library on my way home.
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 -
Today has been a fairly lazy day, did pop over to the allotment to water the greenhouse and get a small food shop (OH paid) but other than that, relaxed on the sofa reading one of the books I got out of the library.
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 -
Haven't posted all week as have been away visiting family. Lovely time away and a cheap break, we spent around £200 on travel, food and activities.
Back to work on night shift tonight. Have done a quick shop - £18.35 spent on food for the next couple of days and night shift snacks. Redeemed Lid! points for a £5 off voucher. Will do an inventory of freezer and cupboard contents tomorrow or Tuesday and then do a proper shop.
£13.37 moved to roof debt savings from cashback and voucher money.
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 -
I’m sorry but I can’t remember if you are saving for the roof or are you replacing the money spent. Glad you had a good break.
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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. Currently saving to replace money already spent on roof repairs. Longer term, there's more work needed there but hopefully will be able to save up the money for it rather than needing to go back into debt.
NSD on Monday. Day off yesterday so spent a good part of it at the allotment. Spends were £9.74 on toiletries and £6.75 on food shopping.
£8.44 redeemed from TCB and added to the roof debt savings.
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 🥳)2 -
Wednesday and Thursday were NSDs 🙂
Today has been a day off other than a few hours training this morning. Have been to the library and then popped to Lid! to get a few things - £11.34 spent. Really need to do a proper shop at some point over the weekend.
Have spent the afternoon at the allotment, just about to finish up and we've decided to treat ourselves to Chinese takeaway for tea 😋
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 -
Takeaway cost £29.70 on Friday, very yummy and did us for last night's tea as well.
Yesterday was a day off and a NSD 🙂 did an hour or so at the allotment, cleaned the house, went for a run and read one of my new library books.
Today is also a day off so plan is allotment, walk along the beach and food shopping but first breakfast - OH is doing bacon and tattie scone rolls 😋
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
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