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It's me, hi, I'm the problem, it's me
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Been another very busy day today with work and hardly had a minute.
Between meetings earlier;
Kitchen - done the dishes, moved some of the dog stuff around to make more room for tins of food
Washings - Folded and put away some, another load in the machine
Hall cupboard - Everything out and rearranged so I can put my Christmas tree on the top shelf. Now have room for the hoover, mop, brush and clothes horses in there
I'll be stuck to this laptop for another couple of hours so back to it!Debt Free - 4th June 20253 -
Been non stop since I logged in to work this morning. Just having a cuppa and a catch up on here before my next meeting at 11am.
Started a Used Up list which I will update throughout the year to keep a track.
Decluttering the last few chocolates in a box with my coffee now.
I'll be decluttering my first £416 mortgage overpayment today.Debt Free - 4th June 20251 -
Just made my first mortgage overpayment of £416.
59 more to go!Debt Free - 4th June 20253 -
And she is off! Well done...If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 350/1000
Buffer fund 100/100
Debt Free (again) 25/07/20252 -
Woo - actually so happy about it.
Transferring some money around in the accounts and I've already topped up the MOP account by another £424. Now the way my brain works is that I've allocated this to December 2026 but will just hold it in the account in case of emergencies.
What I'm going to do is try and top up the MOP account with as many additional payments as I can so that whenever I get to the same amount of months left as I've got saved I can just do a lump sum.
Why do I feel like that made perfect sense in my brain but won't too anyone else.Debt Free - 4th June 20251 -
Just topped it up by another £416 - I'm all in for this now.
£840 - MOP accountDebt Free - 4th June 20252 -
Your productive day has put mine to shame. Decluttering the box of chocolates is right up my street though
Congratulations on that mortgage overpayment. Fab start!3 -
Congrats on the OP!"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee1
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Mortgage overpayment is looking good. Hope you enjoyed the chocolates xJan 18 Joint debts 35,213
Mortgage Jan 18- 77224 Jan 26- just under 64k
June 25 Debts in my name were £5170. Now 5178 (Jan 26)
DH debts ?? at a guess £15k2 -
Well done.
Making small mortgage overpayments really helped us get rid of ours. Is there a limit on how much you are allowed to overpay monthly?
LD 12.25 £1600.00/£0700.00 Fn £274.00 LTFn £525 LLTFn £300
Renewal 25 £500.00/£500.00 InsH 12.25 £600/£600.00 InsP 03.26 £150/£150.00
NPt 12.25 £150.00/£051.50 Ins/TC 02.26 £550/£470.00
YX25 £1500/£0750 FD £3600/£0600
PX25 £1500/£0625 P6m £1200/£0800 PEa £100/£0602
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