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misstara's mortgage free diary

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  • Boodedoo
    Boodedoo Posts: 504 Forumite
    Tenth Anniversary 100 Posts Combo Breaker
    There will be a sofa of just the right size and that is to your taste out there, though it may take a while to find it it will be worth the wait :-)
    May be worth keeping an eye on local FB/freecycle sites.
    ooh rhubarb crumble  ... using home grown rhubarb, freshly picked - yum! I'll leave my begging bowl by the modem  :D


  • misstara
    misstara Posts: 3,987 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    edited 21 May at 10:18PM
    Thanks Boodedoo :smile: we have lots of rhubarb at the allotment so I forsee lots of crumble in my future :lol:

    Nothing much to report from the last few days but today I made my first mortgage overpayment :smiley::smiley::smiley:  Unfortunately it doesn't even cover the interest added on so far but still exciting!

    I got £1000 cashback from the mortgage company so put £500 into savings, £150 each to me and OH for new phones (both sorely needed) and £200 mortgage overpayment.

    Only spend for today was £3 on a coffee out with a friend, beautiful day here so we went a walk round one of the local parks.
    Mortgage 26.4.25 - £108,500  1.7.25 - £106,653.66
    Mortgage overpayment savings - £33.53/£50
    Mortgage overpayments so far - £612.99
  • misstara
    misstara Posts: 3,987 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    edited 24 May at 10:29PM
    At training today and spent £4 on a meal deal at lunch as totally forgot to take my lunch from the fridge :disappointed: then £29.98 spent on am@zon for a bathroom mirror and bins for the bedroom and living room.  Went out for tea at night with a friend but she paid - I'll get the next one.
    Mortgage 26.4.25 - £108,500  1.7.25 - £106,653.66
    Mortgage overpayment savings - £33.53/£50
    Mortgage overpayments so far - £612.99
  • misstara
    misstara Posts: 3,987 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    NSD yesterday :smile:

    Today I've spent money on getting my hair done (£50) and lunch out (£9.95).  £2.01 added to the mortgage overpayments account :smile:
    Mortgage 26.4.25 - £108,500  1.7.25 - £106,653.66
    Mortgage overpayment savings - £33.53/£50
    Mortgage overpayments so far - £612.99
  • Boodedoo
    Boodedoo Posts: 504 Forumite
    Tenth Anniversary 100 Posts Combo Breaker
    love the OP before the first scheduled regular payment!

  • misstara
    misstara Posts: 3,987 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Thanks Boodedoo :smiley:

    Spends for today were £5.21 on bin bags and fruit plus £16 on a wee bedside table.  My lovely work colleagues had given us a £50 n*xt voucher so we had picked out a lamp for the bedside table and a clock for above the fireplace but then annoyingly the website wouldn't accept the voucher - will try again tomorrow.
    Mortgage 26.4.25 - £108,500  1.7.25 - £106,653.66
    Mortgage overpayment savings - £33.53/£50
    Mortgage overpayments so far - £612.99
  • misstara
    misstara Posts: 3,987 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Very quick post before bed.  Tried the voucher again today which worked so ordered the lamp and the clock.  

    Ordered a new (to me) phone today from b*ckmarket (£165) so it will arrive in the next few days.  

    Also did a bigger food shop today - £38.97 split between a*di and a*da.  Had a 60p voucher off for a*da so used that and have transferred 60p over to the mortgage overpayments account.
    Mortgage 26.4.25 - £108,500  1.7.25 - £106,653.66
    Mortgage overpayment savings - £33.53/£50
    Mortgage overpayments so far - £612.99
  • misstara
    misstara Posts: 3,987 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    NSD today :smile:

    Got an email from the old energy company today saying that we are in credit with them so £271.33 will be coming back to us at some point :smiley:
    Mortgage 26.4.25 - £108,500  1.7.25 - £106,653.66
    Mortgage overpayment savings - £33.53/£50
    Mortgage overpayments so far - £612.99
  • Jessy103
    Jessy103 Posts: 2,224 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Yay to the energy credit refund, always nice to get a surprise like that 😀
    Mortgage Balance as of July 2025 £14,900.
    Starting Mortgage Balance (June 2019) £72,000.
    Aiming to be mortgage free by my 40th birthday, June 2026!
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