Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • newgirly
    • By newgirly 15th Apr 10, 11:02 PM
    • 5,898Posts
    • 40,624Thanks
    newgirly
    Pay off mortgage and start having fun!
    • #1
    • 15th Apr 10, 11:02 PM
    Pay off mortgage and start having fun! 15th Apr 10 at 11:02 PM
    I have been reading other peoples posts for a while,trying to get myself in the right frame of mind to start overpaying on the mortage.DH and I have a house worth about £220,000 with a mortgage of £159,000 although we only paid £120,000 for it (£93,000 mortgage) to start. So as you can see we have been not so great in the past! Last year we also owed about £20,000 on credit cards which is now down to £10,000. I really want to get rid of the mortgage before our youngest turn 18, the twins are nearly 10 now. So any words of encouragement would be great, I need keeping on the straight and narrow.

    Xmas paid for by saving £1 a day minimum in a sealed tin, plus homemade/sale stuff.
    Birthdays now in monthly budget, plus extra vouchers earned

    I am taking part in the earn £2012 in 2012 challenge on the up your income board, so whatever earned from that will be split between op's and holidays fingers crossed.

    Budget from may 2012 onwards:

    income.................2092.00
    child benefit..........188.60
    child tax cr..............0 no longer!
    total....................£2280.60

    mobiles x 2...........32.00
    tv licence..............12.37
    elec/gas................140.00
    water....................60.00
    council tax............125.83
    home insurance.......11.83
    pension..................21.90
    life ins....................15.17
    sky ........................21.00
    car tax....................15.83
    car ins.....................22.00
    car maintenance.........8.33
    petrol.......................60.00

    school dinners............48.00 (1 dinner/1 bacon sarnie each pw)
    pocket money.............20.00
    clothes.......................30.00
    birthdays....................50.00

    grocery.......................250.00
    (food/pets/cleaning)
    DH's money.................100.00
    0%cc ................................32.35
    mortgage interest.........425.00
    mortage overpayment....778.39


    money in: £2280.60
    money out:£2280.60







    This Forum Tip was included in MoneySavingExpert's weekly email

    Don't miss out on new deals, loopholes, and vouchers

    Last edited by newgirly; 16-03-2012 at 12:47 PM.
Page 341
    • newgirly
    • By newgirly 7th Oct 17, 6:42 PM
    • 5,898 Posts
    • 40,624 Thanks
    newgirly
    Thanks Cath will need lots of juggling to sort my spending

    Halloween this year dd and I are visiting the Harry Potter studio tour (again!) first time visiting when it's spooky mind other than that probably the usual, pumpkin carving Sunday and perhaps a family spooky curry. I had the most fantastic result today thought in BM bargains - I found a load of heavy self woven black Halloween tablecloths , so I bought 3 with skulls on and 2 with pumpkins -reduced to £1 each from around £6 each but with an Rrp of £12.99 perfect for covering tables and and other furniture when we have people round for drinks.

    Do you have any plans?
    MFW 21
    Target for 2017 £38,545 / £17,514.78 paid so far

    Mortgage £47,354 years 8 months left. Total owed £62,871.22 planning to clear in 18 months
    Weight loss target 37lb/22lb gone.
    • newgirly
    • By newgirly 11th Oct 17, 6:42 AM
    • 5,898 Posts
    • 40,624 Thanks
    newgirly
    Spending so far from the £1500 until new year challenge is £20.05 petrol and £29.53 food.

    From the not food/petrol budget I've spent more £55 on a Disney Belle's dress charm for dd for Xmas, £2 each on 2x spare duvet cover sets in £1 land -yes £2 each £6.29 on a 5-2 veggie diet cook book (giving it a try as tired of WW!) and about £16 on various tissue paper /brown paper bags and advent numbered stickers for my 5x homemade advent calendars this year.

    As I said I'm trying the 5-2 diet as I'm sticking to WW a few days a week and my weight loss is stagnating, I thought if I can keep busy the two days (do it while at work, plan carefully what to eat etc.)
    It may be a better system for me, yesterday was not too hard and I went to the cinema to see IT again with ds2 after work so that helped keep me busy , although watching bake off when I go to home wasn't helpful
    MFW 21
    Target for 2017 £38,545 / £17,514.78 paid so far

    Mortgage £47,354 years 8 months left. Total owed £62,871.22 planning to clear in 18 months
    Weight loss target 37lb/22lb gone.
    • Moneyfordreams
    • By Moneyfordreams 14th Oct 17, 1:47 PM
    • 902 Posts
    • 4,420 Thanks
    Moneyfordreams
    hope you are having a good few days, can't have you down on page 3
    Mortgage Feb '13 £200000, end 2038. Aiming for before March 2025 (crunched to 2034)
    January 16 £182800 : minimum £360 OP but needs to be £600 to achieve 2025
    Current mortgage £158200
    h@lifax CC £4300 0% until May 2018.. will pay minimum for now, slow stooze
    CC daughter gift and holiday spends £2200
    • CathT
    • By CathT 14th Oct 17, 2:49 PM
    • 5,381 Posts
    • 37,024 Thanks
    CathT
    Bargain duvet covers even if they weren't £1

    No real plans here newgirly. The children are still young enough to want to dress up and are going to a hallowe'en party but that's early November! We might also go along to an event they are doing at the zoo as there's no extra cost.
    Dec 2017 -
    part 1 - £79,783
    part 2 - £45,999
    Total - £125,782
    • smallholdingsister
    • By smallholdingsister 14th Oct 17, 6:22 PM
    • 3,557 Posts
    • 27,742 Thanks
    smallholdingsister
    Mine are sulking that they can't trick or treat due to living in the back of beyond.
    • newgirly
    • By newgirly 14th Oct 17, 8:59 PM
    • 5,898 Posts
    • 40,624 Thanks
    newgirly
    You must throw a huge Halloween party in that case shs - it's only fair

    Zoo event sounds good cath

    I've had a great few days lurking on page three mfd's eating out three day's on the trot , thurs evening girls meal at p*zza express , Friday night dh took us for a curry, today out with the inlaws for lunch. Living the dream this week now I'm on the 5-2

    I'm currently going through a rebellious phase and must confess to visiting a mini garage and c*rrys to look at fridges hopefully it will soon pass and I will look and not buy (as usually happens ). I guess as long as we don't buy it's cheap entertainment in a way
    MFW 21
    Target for 2017 £38,545 / £17,514.78 paid so far

    Mortgage £47,354 years 8 months left. Total owed £62,871.22 planning to clear in 18 months
    Weight loss target 37lb/22lb gone.
    • smallholdingsister
    • By smallholdingsister 15th Oct 17, 10:04 AM
    • 3,557 Posts
    • 27,742 Thanks
    smallholdingsister
    They have fridges at the mini garage?
    • newgirly
    • By newgirly 15th Oct 17, 1:33 PM
    • 5,898 Posts
    • 40,624 Thanks
    newgirly
    wouldn't surprise me! They had a mini tent that goes on the roof to camp in
    MFW 21
    Target for 2017 £38,545 / £17,514.78 paid so far

    Mortgage £47,354 years 8 months left. Total owed £62,871.22 planning to clear in 18 months
    Weight loss target 37lb/22lb gone.
    • smallholdingsister
    • By smallholdingsister 15th Oct 17, 2:16 PM
    • 3,557 Posts
    • 27,742 Thanks
    smallholdingsister
    Cute. And very...er...cosy.
    • CathT
    • By CathT 15th Oct 17, 2:32 PM
    • 5,381 Posts
    • 37,024 Thanks
    CathT
    Do not buy! Window shop only newgirly, you're so close to the end now.
    Dec 2017 -
    part 1 - £79,783
    part 2 - £45,999
    Total - £125,782
    • newgirly
    • By newgirly 15th Oct 17, 8:27 PM
    • 5,898 Posts
    • 40,624 Thanks
    newgirly
    Thanks cath, I know, window shopping only
    MFW 21
    Target for 2017 £38,545 / £17,514.78 paid so far

    Mortgage £47,354 years 8 months left. Total owed £62,871.22 planning to clear in 18 months
    Weight loss target 37lb/22lb gone.
    • newgirly
    • By newgirly 16th Oct 17, 9:54 AM
    • 5,898 Posts
    • 40,624 Thanks
    newgirly
    £20 voucher to spend on Xmas today, the first free voucher from the new cc I've also had a £50 Amazon one form he Amazon cc and I've got £20 of clubcard vouchers to spend too. If only all Xmas shopping was free!

    I'm thinking of getting dh a new tv for our bedroom for Xmas, controversial for some I know, but I like to feel like we have a penthouse flat rather than a bedroom on the top floor, somewhere to escape the teenagers will keep a look out on the deal sites for any offers, it doesn't need to be anything fancy.

    Need to update the food and petrol spends so far now
    MFW 21
    Target for 2017 £38,545 / £17,514.78 paid so far

    Mortgage £47,354 years 8 months left. Total owed £62,871.22 planning to clear in 18 months
    Weight loss target 37lb/22lb gone.
    • Merchandiser2367
    • By Merchandiser2367 16th Oct 17, 9:02 PM
    • 136 Posts
    • 948 Thanks
    Merchandiser2367
    Just reading your posts and would like to say it is inspiring to read page 1 from 2010 and then see you're still going strong 7 years later. Hopefully my wife and I can be that strong in our 5 year journey starting at the end of this month
    • newgirly
    • By newgirly 16th Oct 17, 11:25 PM
    • 5,898 Posts
    • 40,624 Thanks
    newgirly
    That's funny I just posted in your new diary

    Thanks, 7 years is a LONG time for me to stick to anything best of luck with your five year plan.


    Why is it the more early I have to get up, the less I can sleep the night before? I was in bed tired early most of the weekend. Now with a 6am start, I know I'll be awake a fair while yet!

    Whilst not sleeping in bed tonight I've been having a look at the Xmas M & S Xmas food to order, it is very tempting to order some bits we will have between 12-14 people probably this year on Boxing Day. Last years food was a cold meat/cheese/ exotic salads type affair. Still was time consuming on the day. I've been seen quite a few things I fancy buying. I may even have to do a posh festive Xmas eve dinner too
    MFW 21
    Target for 2017 £38,545 / £17,514.78 paid so far

    Mortgage £47,354 years 8 months left. Total owed £62,871.22 planning to clear in 18 months
    Weight loss target 37lb/22lb gone.
    • gallygirl
    • By gallygirl 17th Oct 17, 7:07 AM
    • 16,460 Posts
    • 107,864 Thanks
    gallygirl
    wouldn't surprise me! They had a mini tent that goes on the roof to camp in
    Originally posted by newgirly
    Don't think I'd fancy camping on the roof of a mini .
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    Mortgage Balance = £0
    "Do what others won't early in life so you can do what others can't later in life"
    • newgirly
    • By newgirly 17th Oct 17, 11:06 PM
    • 5,898 Posts
    • 40,624 Thanks
    newgirly
    hi GG , yes I think you must have to be quite small

    I can't lie I am pretty tipsy after a great night at the cancer charity Indian do best of all my friend won a raffle prize- a set of 1970's "pimpernel" coasters which have 6 different photos of what appears to be Toronto duel carriage ways on them

    Not sure whether to be pleased or insulated she says they will go well with my 70s themed house I took them anyway
    MFW 21
    Target for 2017 £38,545 / £17,514.78 paid so far

    Mortgage £47,354 years 8 months left. Total owed £62,871.22 planning to clear in 18 months
    Weight loss target 37lb/22lb gone.
    • newgirly
    • By newgirly 18th Oct 17, 7:26 AM
    • 5,898 Posts
    • 40,624 Thanks
    newgirly
    Going to work a bit late today, it's probably one of the only perks of working for your dh may get a lift as I had a bit to drink

    Dh has apparently arranged for the builders in the factory next door to come and fix our gutters on the roof and try and do something with the top of the conservatory which has a bit missing and needs the joins sealing. As he didn't think to check I have the money to pay for it --two months before Xmas, and we have so many things to pay for planned it's going to add a month onto the mortgage

    On the plus side, I've decided if we have to add a month there will be a surplus , so I'm going to buy a new fridge. Ours has been terrible for a long time now. The only reason it's survived this long is because it's a smeg and is a pretty pink colour
    MFW 21
    Target for 2017 £38,545 / £17,514.78 paid so far

    Mortgage £47,354 years 8 months left. Total owed £62,871.22 planning to clear in 18 months
    Weight loss target 37lb/22lb gone.
    • daisy 1571
    • By daisy 1571 18th Oct 17, 3:12 PM
    • 169 Posts
    • 2,073 Thanks
    daisy 1571
    Will it still be a smeg and if so what colour ? I have a pale green one which I love, love, love. Gives me so much pleasure to use and to look at.

    Daisy xx
    "Never save something for a special occasion. Every day in your life is a special occasion" Take hold of every moment by anon

    The difference between what you were yesterday and what you will be tomorrow is what you do today
    • smallholdingsister
    • By smallholdingsister 18th Oct 17, 5:51 PM
    • 3,557 Posts
    • 27,742 Thanks
    smallholdingsister
    I had a SMEG dishwasher and it was...SMEG.
    • newgirly
    • By newgirly 19th Oct 17, 7:49 AM
    • 5,898 Posts
    • 40,624 Thanks
    newgirly
    It won't be another smeg for sure! Although very beautiful, it's been a bit fragile and has not aged well. We had mums fairly new stainless steel Smeg dishwasher a few years ago which was not so great at washing dishes, we ended up buying a cheap white plastic one which was better.

    I do like the pale colours though, green sounds lovely
    MFW 21
    Target for 2017 £38,545 / £17,514.78 paid so far

    Mortgage £47,354 years 8 months left. Total owed £62,871.22 planning to clear in 18 months
    Weight loss target 37lb/22lb gone.
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

1,057Posts Today

5,859Users online

Martin's Twitter