misstara's mortgage free diary

misstara

Oops haven't posted for a while, kept meaning to but never quite got round to it.

Have made a £100 overpayment to the mortgage - money from the overpayments account, 1poll money, money back car insurance and cashback from ch@se account.

Roofer has now been and it cost less than expected so paid the rest of the money I had taken out for this to the credit card to pay off the sofa.  Unfortunately the reason why it cost less is that more work is needed on the roof longer term so the chimney was just patched up with a view to sorting it properly in the future with the rest.  Not something that we need to immediately get done but something to think about in the future.  The roofer will send over a quote at some point and we'll get some other quotes too.  But in the meantime, I'll start putting some money aside towards this.

Payday is on Friday and it's a better than usual one as I will get paid holiday average, always a wee bonus.  Need to start making a budget for that.

Nothing much else to report other than I've been looking for a wee plant for the bathroom windowsill and found one today for £2.50, happy with that

misstara

Quick post before bed to say that I made a £212.99 overpayment to the mortgage on payday plus managed to put £700 into a savings account towards the roof and £100 into the emergency fund   Definitely won't manage this every month as I only get holiday average once a year but nice to be able to do.

Mortgage currently sitting at £106,653.66.

Must try and get in the habit of posting more regularly to keep myself on track.

misstara

Currently walking to work - exercise and saving on petrol is a win-win.  Thought I'd do a quick post to try and get myself back into the habit of posting more regularly.

Yesterday would have been a NSD but decided to get breakfast from the bakery near work as other staff were getting.  Not something we do often so a nice wee treat.  £2.35 spent on a bacon roll.

Today will also be a spend day as really need to do a proper food shop.

in_need_of_direction

I’d say that’s a £2.35 investment in team building for a good work day.  Treats are ok when they stay as treats

misstara

Right I'm back and really do need to make an effort to post more regularly to keep myself on track - this month has gone a bit awry!  Ended up with a balance on my credit card at the end of the month - just a small amount and paid off now but was from general overspending which is a really bad habit to get into.

Got paid on Wednesday so £200 to roof savings (plus £35 that OH gave me), £100 to the emergency fund and £100 to car savings (replacing the money I had to pay out for a new tyre).  Rounded the mortgage payment up to £700 so a wee overpayment of £12.99.

Made a £50 overpayment today to the mortgage and there's £1.01 in the mortgage overpayments account to start saving towards the next £50 overpayment.

misstara

Spends for today were £11.19 on a wee food shop (yoghurt, fruit and salad bits) plus £4 on toiletries.

£1.10 added to mortgage overpayment account

misstara

Very quick post before bed - spends for today were £53.45 on petrol and £20 on tea out with a friend.

debtfreewannabe321

Happy new home Misstara 😍 You're doing amazing already! I've bookmarked to cheer along on OPs and life in general ☺️.

misstara

Thanks dfw321

Was hoping for a NSD yesterday but there was a collection for a colleague at work who's leaving so put £20 into that.

Can't think of anything we would possibly need today so it should be a NSD.

misstara

£1.22 added to the mortgage overpayment account