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misstara's mortgage free diary
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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
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Thanks Boodedoo
we have lots of rhubarb at the allotment so I forsee lots of crumble in my future
Nothing much to report from the last few days but today I made my first mortgage overpaymentUnfortunately 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 - £612.994 -
At training today and spent £4 on a meal deal at lunch as totally forgot to take my lunch from the fridge
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 - £612.992 -
NSD yesterday
Today I've spent money on getting my hair done (£50) and lunch out (£9.95). £2.01 added to the mortgage overpayments accountMortgage 26.4.25 - £108,500 1.7.25 - £106,653.66
Mortgage overpayment savings - £33.53/£50
Mortgage overpayments so far - £612.991 -
love the OP before the first scheduled regular payment!
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Thanks Boodedoo
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 - £612.990 -
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 - £612.992 -
NSD today
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 pointMortgage 26.4.25 - £108,500 1.7.25 - £106,653.66
Mortgage overpayment savings - £33.53/£50
Mortgage overpayments so far - £612.994 -
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!1 -
Thanks Jessy103 - it was indeed a lovely surprise as I thought we would probably end up owing them money.
Woke up stupidly early this morning but it's paydaythought it was tomorrow we got paid so that was nice to wake up to.
Yesterday was a NSDI picked up the clock and lamp, both look fab but now need to get batteries and lightbulbs. I'll pick up the bedside table today and that will be our bedroom finished other than a wee lick of paint at sometime in the future.
£7.10 added to the mortgage overpayments account yesterday from cashback. Added £5.76 to it this morning (rounding up the mortgage payment from £1414.24 to £1420) so have made a £50 overpayment to the mortgage
Need to sit down after work and make a budget for the month. Hopefully by the time I get home from work, we will have internet as the engineer is coming back this morning.Mortgage 26.4.25 - £108,500 1.7.25 - £106,653.66
Mortgage overpayment savings - £33.53/£50
Mortgage overpayments so far - £612.995
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