Investing in Us: Holidays, Health, and the Road to £150k

debtfreewannabe321

Happy New Year to all! 
It's a number one year in numerology so we all get to start a new 9 year cycle.
Let's make it a good one 🎊🙏🏻💖

debtfreewannabe321

Now's the time to manifest your dreams 💖🙏🏻

debtfreewannabe321

Made my first OP to the mortgage for the year from the survey/ cashback money that hit my account, rounded up to a tenner. I think this month if I make any extra I'll send it to the OPs instead of the EF because the interest is higher on my mortgage (two of them anyway) than my savings account. 

£10/4500 
Here we go again....

RedLipstick

Well done on getting your first OP of the year! My DDs come out on Monday 5th, I'm so tempted to do some roundups today already seeing lots of people kick off the 2026 with overpayments  

Sometime later... Well, you've inspired me and I did circa £60 roundups between CCs and mortgage xx

debtfreewannabe321

RedLipstick said:

Well done on getting your first OP of the year! My DDs come out on Monday 5th, I'm so tempted to do some roundups today already seeing lots of people kick off the 2026 with overpayments  

Sometime later... Well, you've inspired me and I did circa £60 roundups between CCs and mortgage xx

Oh that's fab @RedLipstick what a great amount to find! Well done 😄🙌🏻

debtfreewannabe321

Afternoon all, 
The gym was closed today so after my lie in (stupid fireworks woke me up twice!) I got up, DP and I sat and chatted about goals and how serious we were about some and not so much about others - so not scattering our energy let's focus on a few- and then we decided to go for a walk whilst my energy was good and the sun is up! 
I made us some break-fast and I had a chamomile instead of caffeine whilst making it, and we had that at 12pm, vegan yoghurt mixed with chia, flax, nuts and seeds and a small handful of blueberries and grapes. One of my fave fillers that's healthy. I also made us a salad sandwich to eat if we were out long enough to be hungry with a bit of salad cream on. And a pack of crisps.
We took a walk around a lake nearby and my foot didn't hurt once! 🙌🏻🙌🏻🙌🏻 Also my cough wasn't horrendous (it was still there but actually feeling better slightly now).
We stopped via sainsb'ys on the way home as DP wanted some of their organic sulphite free wine, we picked up two bottles as we don't go that way often, then picked up a new potato masher- mine died over Xmas, and a new mop- same thing happened, I got a bargain on some wrapping paper and some veg (I'm purposely eating lots of that at the moment and it's not lasting long). Also got washing up liquid fragrance free (ecover) super cheap as end of line so got enough I think for the whole year! The shop came to £58 😬. I remembered I had some nectar points to use and they came to £20 so spent £38. Still too much but we did get a fair bit I guess 🤔 I miss old sm prices. 

Anyway we went home to eat our sandwiches and I took my supplements. I also started a food diary, super in-depth, exactly what I've eaten or drunk, how I'm feeling after and before and supplements I'm taking (will note how I'm feeling after those too). I officially give up with rubbish doctors who rubbish what I say. I'll find a way back to healthy on my own 🙌🏻.

I've stripped DD bed, emptied bins (our black one is now overflowing and we've over a week left till next collection as I missed one!) I'm chilling for a bit before making us a lasagna perhaps with a small glass of red wine ☺️.

Ps I'm not doing dry Jan. Think I've given up quite enough already 😆.

debtfreewannabe321

January 1st mortgage and savings numbers 

Mortgage - £161,816.35

(Interest in Dec £463.15)

Sub account 1- £92,185.60 (OP limit £9218.56 - I won't even touch an OP for this one sadly as the other accounts are higher interest this is at 2.49% still for a year and half)

Sub account 2- £19,991.60 (OP limit £1999.60)

Sub account 3- £49.174.50 (OP limit £4917.45)

Savings £717.77

debtfreewannabe321

Morning all, 

Ex paid me some maintenance this morning. Not the amount he's supposed to but I won't go there.... £250 so I paid the CC off which was the few spends I had over Christmas and those bits I bought in the R0man sale. Then I decided to put £80 on the mortgage because I love it when ex tells the kids he's paying for my house ☺️ I can secretly think, yes, you are 🤭.

So £90 total OP so far this month....I won't be able to pay much more off, if anything as money will be quite tight. I should have kept his money in my account really, but I didn't want it there. 
OPs- £90/4500. 

Today I'm going to go to the gym, get on that treadmill again and get my cardio up, I'll aim for the mile and a half again but will stop if my foot hurts. 
Nothing much else planned. I'd like to finish the book I started. DP offered to make dinner tonight 🥰.

I think I should make a little goal of trying to get some NSD in or LSD if they fail (less than a fiver) as Jan is always a tight month around here. 

I've been doing my favourite thing today, I've been on RM looking at houses, and I've widened my search to places I've never been, more up north than I currently am...I can feel a five year plan formulating to get out of here (this city/area/home) I spoke to DP the other day and said I always felt obliged to stay because of family but I think, on reflection, they've done me a huge favour in cutting me off. I am now free to go wherever I feel like going 😊 I feel liberated and quite happy about that. 

debtfreewannabe321

Back from the gym! Broke my fast a little early as I tried a pickled gherkin from my crop of gherkins in the summer 😄. I forgot about them in the under the stairs cupboard (at the back of a shelf) until I was just looking for something just now. They're done, and not gone off! Woo. I had to throw away some spoiled jars shortly after making them but two seemed to look ok so I left them. One sliced cucumber pickled (from my glut) and one gherkins! They're stronger than shop bought 🤯but they're not ruined. I can't tell you how happy I am about something so silly 🤣 I'd love to know where I went wrong with the spoiled jars though as I'd like to start pickling more things. 

Leftover lasagna is in the oven and we'll have a small salad with it as there isn't much left. 

I met someone I work with at the gym (well in the steam room) she will be sat behind my new desk apparently 😄 and I know the other ladies in the office anyway so I'm hoping transition to the new role will be easy enough as I'm already filled with nerves and thoughts of, you're not good enough, you can't do this. I'm quietening them down as they come up but they're getting louder and louder as it comes to going back to work. I'm kind of grateful I have two weeks left of the old job (I used to love change and I hate it now 🙈). 

I've chucked away some pumpkins I had for display. They were still pretty good and out the front on display in the cold but I wanted to catch them before they turn as I've had the pleasure of cleaning up mushy pumpkin before 🤢 they're now in my compost heap. Also threw out a dead plant to the same fate. 

I've mopped my floors and omg they were dirty 🙈 not quite sparkling now but much cleaner. I bought one of those flash mops where you change the sheet on it... I've always had a mop you throw in the washing machine because it's better for the environment, but I've noticed mine was moving dirt around rather than actually picking it up before 🙈 and we've wooden floors across two floors here (just two rooms and stairs are carpet) so I'm hoping this one is better at cleaning. Not sure I'll use it all the time though and might revert back to an old fashioned one. 

It will be a NSD, it will, it will .... I'm on am.azon and shut it down. I want a first aid kit for the house... DD burned herself Xmas eve and I was scrambling around trying to find something. I ended up using lavender oil and aloe Vera plant which did the trick. And I prefer natural. BUT...feel I should have something in that's not fifteen years old (all bandages are so old the paper around them was disintegrating 🙈) I wasn't sure which kit to get so have closed it down for now. And hopefully no spends today but I will get a kit at some point....right off to eat. I did 25 mins on the treadmill today and I tried to up the speed as I'd love to get to a jogging speed, but sadly my knee immediately dislocated. Had to pause, click it back in, carry on with walking. That's better than nothing though, right?

beanielou

I’ve got the flash one for wee jobs but prefer the old fashioned vileda one tbh. The flash one just feels so flimsy.