The impossible dream

Tilly_MFW_in_6_YRS · 10 April 2014 at 7:27AM

Morning Tahlullah, not sure I can add anything, but will have a go. Clearing a mortgage is pretty tedious, turn the handle 'thing'. There a waves in the months or quarters when more stuff happens - better deals on insurances, payday and associated shuffles, flogging some stuff via eb@y, FB or car boots etc. Once the activity is finished, it's back to the plodding. That's why I like TTs as it at least gives a bit of focus each day

How about giving yourself a challenge. How about a week of living out of the fridge, freezer, larder, with maybe a £10 spend on fresh fruit/veg - then OP the money saved?

Then possibly do the £1 per day to live on challenge - even if you did this for a Monday-Friday to limit the pain, you could then OP the money saved.

Or do a larder-freezer inventory and menu plan for a month. You could OP the normal food money you don't spend

Good luck, Tilly x

Tahlullah · 21 April 2014 at 11:20AM

Hi

Just redeemed my YouGov points and will have £50 to overpay on the mortgage, when it arrives.

On the other plus side, have finally listed my car on eb@y. Hopefully, it will sell and give me some money back against my new one.

Small steps.

TallGirl · 21 April 2014 at 7:53PM

Good luck with the car please be careful there are so many car scams on EBay.

Hope you had a lovely Easter.

Secret_Saving_Squirrel · 21 April 2014 at 8:21PM

I agree, don't be downhearted, very few people have the time or energy to be doing significant moneysaving things every day. It is a plod. Good luck with selling the car,

Squirrel x

Tahlullah · 24 April 2014 at 12:17AM

Hello, car still not sold. Perhaps I am being unrealistic?

Nothing happening on the volunteering front. Them not me.

But, just managed a £200 overpayment on the mortgage.

Small steps.

TallGirl · 24 April 2014 at 6:07AM

Sorry to hear about the car maybe relist it now payday is getting nearer for most people or is it worth trying something like we buy any car even if they do drop the price they pay you at the last minute.

As for the volunteering I think it's their loss not yours, apprently our local food bank has a waiting list of people wanting to volunteer, wish some of those would think to come and do something for us instead.

Well done on the overpaying though something positive.

giblet1979 · 24 April 2014 at 9:36AM

Hi Tahlullah,
Just found and read your diary over the past couple of days. I've really enjoyed it, and love the sound of Rufus (I have two [STRIKE]pests[/STRIKE] little dears of my own).
I think you're doing great with the Mortgage OP'ing and it must be great to have the end in sight, although I'm sorry to hear about your job worries. Your hard work is definitley paying off though, and I guess it's at times like these when those 'little' overpayments really add up (I do find it amazing to see how much this is really true on here, especially as I'm relatively new and have recently read some diaries years long in one go, when £10 here and there is suddenly £50,000 paid off!)
Sending lots of encouragement, and I hope you don't mind if I stick around.
Gib x

Tahlullah · 26 April 2014 at 12:14PM

Thank you TallGirl, giblet1979, Secret Saving Squrrel and Tilly. The support is very much appreciated. I agree, all the small bits do add up, but I have to collect them together and make a lump sum payment of £100 minimum. I am a bit anal and can't pay small bits into the mortgage. I would surely shrivel and die if I attempted something like that. I am a whole numbers kind of girl, which is why I need a seperate account to move my bits into, until I have collected a nice whole number.

I am certain it would be more beneficial to move the bits immediately, so reducing the interest immediately, but I like neatness and order. Something you couldn't tell from the states of my house!

So, news. I managed to sell my car. Probably undersold if truth be told, but I wanted it gone. Could have hung on forever for a higher price, but I like the person it has gone to. It will last them a long time if they care for it and don't run it into the ground.

Plus, I paid another £100 off the mortgage, making a £300 overpayment this month.

This now means that every month from now on, my monthly payments plus regular overpayment will reduce my mortgage by £1000. Great news as my Excel house, given to me by GallyGirl will progress faster than before. A brick a month. I am really pleased with this and feel I will be making progress again.

Let the good times roll...

Hope everyone has a lovely weekend. I am planning a quick meal out at a Toby Carvery with a voucher, 2 courses for £6.50. Bargain, much cheapness.

icontinuetodream · 26 April 2014 at 12:46PM

That's excellent news on both the car and mortgage fronts!!:j:j:j

And just remember that however 'small' the steps seem...they are all in the right direction and make a massive difference eventually!!

I always remember a friend who worked with me in the substance misuse field talking to a client and asking them if they could jump across the room they were in....client looked incredibly bemused and stated 'no, of course not!' ...said friend then gets out of chair and proceeds to bunny-hop across the room and said 'I just did-it doesn't have to happen all in one go, it just has to happen!!'

I have never forgotten that - it's one of those images that resonates and reminds me to keep going at it regardless of how long it takes....(especially as said friend is a rather large lady and it was a sight to behold!!!:rotfl:)

Tahlullah · 4 May 2014 at 4:24PM

Thank you icontinuetodream, the thought will stay with me. Reminding me that small steps up the mountain eventually get you to the top. I have 29 steps to take to the top. Doesn't matter how many mini steps I take in between to make a whole step, it's still 29 steps, not one giant leap.

The impossible dream

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