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Frosty melts the mortgage!

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Comments

  • beanielou
    beanielou Posts: 101,418
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Ambassador

    Games night, fish & chips, Chinese, wine nights etc.

    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** in ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger.
    One debt remaining. Home improvement loan.[/b] [11 months left.[/b]
  • Games night is a good shout actually! 

    Mortgage May 2022 (starting balance): £94,000

    Mortgage December 2022: £92,065

    Mortgage December 2023: £88,139

    Mortgage December 2024: statement is missing so idk

    Mortgage December 2025: £82,363

    Mortgage December 2026: tbc


    2026 MFW #46: £2,000/£3,000

  • FrostyFrosty
    FrostyFrosty Posts: 58
    10 Posts Name Dropper Photogenic
    Forumite

    Ok, so today is day one of updating every day in October. The month where I am hibernating and enjoying my mortgage (aka spending less!).

    Hygienist appointment today. I thought I had booked in for a specific type of cleaning that would cost me £20, but apparently I wasn’t booked in for that. I definitely should have been, because I distinctly remember asking for it when I booked two weeks ago! But on the plus side, I am £0 out of pocket because one standard cleaning a year is covered under the dental surgery’s subscription plan.

    I did, however, spend £1.98 to download two of the new Taylor Swift songs, and £14 at Tesco on some interdental brushes as requested by the hygienist, and some snacks to take to a cheese and wine evening I’m going to.

    Secondary challenge this month: The Great Drinks Cupboard Clear-Out

    I struggle to sleep and a colleague recommended Pukka Night Time tea to me. I bought some ages ago, but I don’t like it and it doesn’t do anything for me. I much prefer chamomile. My secondary challenge this month is to use them all.

    I’m having a cup now, so teabags remaining: 9.

    I should probably also try and use up hot chocolate sachets left over from an advent calendar last year. I’ve got various other teas I’ve bought on a whim and never finished, but they can wait because I can only drink so much in a month!

    The Great Drinks Cupboard Clear-Out

    Pukka teabags: 9
    Hot chocolate sachets: 15

    Mortgage May 2022 (starting balance): £94,000

    Mortgage December 2022: £92,065

    Mortgage December 2023: £88,139

    Mortgage December 2024: statement is missing so idk

    Mortgage December 2025: £82,363

    Mortgage December 2026: tbc


    2026 MFW #46: £2,000/£3,000

  • beanielou
    beanielou Posts: 101,418
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Ambassador

    Those pukka tea bags were horrid.

    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** in ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger.
    One debt remaining. Home improvement loan.[/b] [11 months left.[/b]
  • FrostyFrosty
    FrostyFrosty Posts: 58
    10 Posts Name Dropper Photogenic
    Forumite

    They are! I don’t want to waste them though and I don’t know anyone else who will want them, so I’ll just have to power through 😭

    Mortgage May 2022 (starting balance): £94,000

    Mortgage December 2022: £92,065

    Mortgage December 2023: £88,139

    Mortgage December 2024: statement is missing so idk

    Mortgage December 2025: £82,363

    Mortgage December 2026: tbc


    2026 MFW #46: £2,000/£3,000

  • South_coast
    South_coast Posts: 6,707
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    Forumite

    I obviously have a guilty conscience, as when I saw The Great Drinks Cupboard Clear-Out, I definitely thought it would be alcohol 🤣

    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
  • FrostyFrosty
    FrostyFrosty Posts: 58
    10 Posts Name Dropper Photogenic
    Forumite

    That would be much more fun than tea 😆

    Mortgage May 2022 (starting balance): £94,000

    Mortgage December 2022: £92,065

    Mortgage December 2023: £88,139

    Mortgage December 2024: statement is missing so idk

    Mortgage December 2025: £82,363

    Mortgage December 2026: tbc


    2026 MFW #46: £2,000/£3,000

  • FrostyFrosty
    FrostyFrosty Posts: 58
    10 Posts Name Dropper Photogenic
    Forumite

    NSD today!

    Off to a wine and cheese evening, armed with the snacks I bought yesterday  🍷 🧀 

    Progress on the Great Drinks Cupboard Clear-Out: 

    I had a hot chocolate sachet this afternoon. Today’s flavour was salted caramel. 5/10. I love salted caramel but I don’t think this is nice hot chocolate, which is unfortunate as there are 14 sachets of it left, albeit different flavours. 

    Pukka teabags: 9
    Hot chocolate sachets: 14

    Mortgage May 2022 (starting balance): £94,000

    Mortgage December 2022: £92,065

    Mortgage December 2023: £88,139

    Mortgage December 2024: statement is missing so idk

    Mortgage December 2025: £82,363

    Mortgage December 2026: tbc


    2026 MFW #46: £2,000/£3,000

  • FrostyFrosty
    FrostyFrosty Posts: 58
    10 Posts Name Dropper Photogenic
    Forumite

    NOT a NSD today as I had to buy some milk and a few other bits and bobs. £10.85.

    Didn’t really do a lot today except enjoy my mortgage. Did the washing up, cleaned the bathroom a bit. Forced down a cup of tea so the teabag total is decreasing.

    Progress on the Great Drinks Cupboard Clear-Out: 
    Pukka teabags: 8
    Hot chocolate sachets: 14

    Mortgage May 2022 (starting balance): £94,000

    Mortgage December 2022: £92,065

    Mortgage December 2023: £88,139

    Mortgage December 2024: statement is missing so idk

    Mortgage December 2025: £82,363

    Mortgage December 2026: tbc


    2026 MFW #46: £2,000/£3,000

  • PennysIntoPounds
    PennysIntoPounds Posts: 7,491
    1,000 Posts Third Anniversary Photogenic Name Dropper
    Forumite

    Is there olio in your area? A neighbour might fancy trying the teabags

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