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  • FIRST POST
    • atypicalblonde
    • By atypicalblonde 28th Sep 16, 2:14 PM
    • 2,645Posts
    • 17,491Thanks
    atypicalblonde
    ATB - mortgage freedom by 2020!
    • #1
    • 28th Sep 16, 2:14 PM
    ATB - mortgage freedom by 2020! 28th Sep 16 at 2:14 PM
    Good Afternoon All

    So much has changed since my last diary, I felt now was the right time to start a new one. Linkie to the old one is here http://forums.moneysavingexpert.com/showthread.php?t=5171678 if anyone wants a look-see!

    A little about me for those who haven't 'met' me before. I am married to a fabulous DH, who runs his own business. There are major peaks and troughs to that, some months we are brassic and others we feel quite flush. It is a precarious balance at times, and we have to deal with constant late payers, tax bills etc, but on the whole it is worth it. DH job is very physically demanding though, and he works away all week.

    We have two kiddies - DD is 4 and DS is 2. They are my world

    Our outstanding mortgage as at today's date is bang on £141,900. When I began my old diary at the start of last year it was £171k, so we have done pretty well thusfar However, my income is greatly reduced now as I no longer work - I am officially a home-maker, and that is how it will stay for the foreseeable.

    To clear our mortgage before we are 40 (i.e. 9 years time) is the grand plan. I would ideally like to do it in half that time, but 9 years is do-able and requires monthly OPs of £750.

    I now have a spreadsheet (thank you hiddenshadow) and an obsession with only having 000 at the end of the mortgage (thank you A Frayed Knot!), and most importantly a frugal mind-set. We need to make each penny do the work of 3, whilst remembering to have some fun on the way.

    The first target is to get into the 30s by Christmas... wish me luck, come along for the ride (but make sure you bring tea and biccies!)

    ATB xx
    Last edited by atypicalblonde; 26-05-2017 at 6:50 AM.
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 22.12.17 - £115,000
    Aiming to be MF 1.10.2020
    Goal - overpay £10k by 31.3.18 - so far £182/£10,000
Page 1
    • hiddenshadow
    • By hiddenshadow 28th Sep 16, 4:53 PM
    • 2,391 Posts
    • 10,852 Thanks
    hiddenshadow
    • #2
    • 28th Sep 16, 4:53 PM
    • #2
    • 28th Sep 16, 4:53 PM
    Shiny new diary! (And thanks for the shout-out. )
    MFW: £197,100 (2013) to £103,848 (Jan '18)
    2018 MFW #56: £798/£105,000 0% / MFiT-T4 #15: £55,652/£90,000 61%
    • A Frayed Knot
    • By A Frayed Knot 28th Sep 16, 10:11 PM
    • 2,198 Posts
    • 9,885 Thanks
    A Frayed Knot
    • #3
    • 28th Sep 16, 10:11 PM
    • #3
    • 28th Sep 16, 10:11 PM
    Lovely up to date Diary and great to see your mortgage ending in 000.00

    Thanks for the shout out - think the 000.00 might be catching on


    Might be looking for that spreadsheet soon
    Always have 00.00 at the end of your mortgage balance and one day it will all be 0's
    MFMarch 30 Re/M Oct 23 Target -Dec 19
    O/P's 2014/£4000, 2015/£6294.69,2016/£3186.80
    2017 £4068.97
    • atypicalblonde
    • By atypicalblonde 29th Sep 16, 9:18 PM
    • 2,645 Posts
    • 17,491 Thanks
    atypicalblonde
    • #4
    • 29th Sep 16, 9:18 PM
    • #4
    • 29th Sep 16, 9:18 PM
    Good evening all,

    Really lovely day here, did a few niggly jobs, cleaned the house (apart from the bathroom, I promise I'll do it tomorrow!), and finished with a delicious lamb dinner and the fire lit - heaven.

    In search of inspiration I have been reading over some diaries from the beginning, namely Tilly and Watty. Ladies you have inadvertently given me a kick up the derrière and inspired me - thank you

    OP of £100 made, I quite fancy being in the 30s by 1st November so that's my next mini goal

    Batch cooking planned for tomorrow, and baking with DS. All meals planned for the weekend so I am hoping for a low/no spend weekend

    Night all xx
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 22.12.17 - £115,000
    Aiming to be MF 1.10.2020
    Goal - overpay £10k by 31.3.18 - so far £182/£10,000
    • atypicalblonde
    • By atypicalblonde 30th Sep 16, 5:55 PM
    • 2,645 Posts
    • 17,491 Thanks
    atypicalblonde
    • #5
    • 30th Sep 16, 5:55 PM
    • #5
    • 30th Sep 16, 5:55 PM
    A lovely day. Did some volunteering this morning, then some batch cooking and baking. DH still away with work which is tricky but I must focus on the positives

    Had a low spend day - bought a beautiful wrap, t-shirt and bedroom hook for DS room from the local charity shop for the grand total of £10 - fab

    Have lovely evenings all xx
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 22.12.17 - £115,000
    Aiming to be MF 1.10.2020
    Goal - overpay £10k by 31.3.18 - so far £182/£10,000
    • atypicalblonde
    • By atypicalblonde 1st Oct 16, 8:28 AM
    • 2,645 Posts
    • 17,491 Thanks
    atypicalblonde
    • #6
    • 1st Oct 16, 8:28 AM
    • #6
    • 1st Oct 16, 8:28 AM
    Good morning all,

    Really happy - we sold DH old clapped out car last night, and the chap collected and paid in cash immediately. That's a few 100 in the pot, so guess what I'll be doing once I've paid it in on Monday nearly at the 30s!

    Have lovely days all x
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 22.12.17 - £115,000
    Aiming to be MF 1.10.2020
    Goal - overpay £10k by 31.3.18 - so far £182/£10,000
    • A Frayed Knot
    • By A Frayed Knot 1st Oct 16, 12:39 PM
    • 2,198 Posts
    • 9,885 Thanks
    A Frayed Knot
    • #7
    • 1st Oct 16, 12:39 PM
    • #7
    • 1st Oct 16, 12:39 PM
    I really must learn to read the whole post. Eyes nearly popped out my head when I read;-

    Really happy - we sold DH then read what followed, phew I knew you wouldn't really sell DH hmm
    Always have 00.00 at the end of your mortgage balance and one day it will all be 0's
    MFMarch 30 Re/M Oct 23 Target -Dec 19
    O/P's 2014/£4000, 2015/£6294.69,2016/£3186.80
    2017 £4068.97
    • CathT
    • By CathT 1st Oct 16, 12:40 PM
    • 5,419 Posts
    • 37,569 Thanks
    CathT
    • #8
    • 1st Oct 16, 12:40 PM
    • #8
    • 1st Oct 16, 12:40 PM
    I love a new diary, great to see you back ATB.

    I love how even in the first page your goal of hitting the 130's has changed from getting there by Christmas, then altered to November and you're nearly there in October!
    Jan 2018 -
    part 1 - £79,207
    part 2 - £45,863
    Total - £125,070
    • atypicalblonde
    • By atypicalblonde 2nd Oct 16, 8:21 AM
    • 2,645 Posts
    • 17,491 Thanks
    atypicalblonde
    • #9
    • 2nd Oct 16, 8:21 AM
    • #9
    • 2nd Oct 16, 8:21 AM
    Hmm maybe just some days AFK! Thanks for popping by Cath, I read your diary daily for inspiration xx

    Morning campers

    Been up since silly o'clock again, but the house is thankful! I have cleaned the kitchen, sorted laundry, made DH breakfast butty and packed lunch (he's at work today) and made myself bacon and eggs. Gammon is in the slow cooker for dinner too

    My lovely friend is having the kids this morning so I can get DH food for the week and cook some dinners in advance (he is working away, self-catering, so I make his meals in advance).

    Mortgage payment goes out tomorrow, so hopefully then I will have a clear picture of just how much we need to find to get into the 30s by month end.

    Ooooh I just love these chilly, sunny autumn mornings

    Have lovely days all xx
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 22.12.17 - £115,000
    Aiming to be MF 1.10.2020
    Goal - overpay £10k by 31.3.18 - so far £182/£10,000
    • Kittenkirst
    • By Kittenkirst 2nd Oct 16, 8:28 AM
    • 1,702 Posts
    • 9,035 Thanks
    Kittenkirst
    I love these chilly autumn morning too & am impressed by how much you've done this morning already.

    What sort of meals do you make for your OH to take with him? My gf works away a lot but stays in hotels so trying to think of things I can pre make her
    2018 MFW #20 - OP £391.44/ £3000 13%

    Emergency fund £4K/ £6k
    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    Overpayments 2016 £255.50 2017 £2600.40
    • shangaijimmy
    • By shangaijimmy 2nd Oct 16, 8:39 AM
    • 2,339 Posts
    • 11,203 Thanks
    shangaijimmy
    Shiny new diary...its like a new car. I fully agree that this is the best weather. Cold, crisp mornings whcih are perfect for dog walks!

    My top tip is to stick a target for each month into post one, then cross off. Its worked a treat for me this year, and is good for a quick glance when you log in to on your phone/tablet and have no spreadsheet handy.
    MFW: Turning June 2036 into March 2023... 34//120 Payments Challenge, Diary Reduction £36,628.18
    Aug 2009: £163,051 // Current: £99,371.84 // Avg Daily Interest £4.46
    MFiT-T4 #8 - 56.74% of £41,000
    • atypicalblonde
    • By atypicalblonde 2nd Oct 16, 11:04 AM
    • 2,645 Posts
    • 17,491 Thanks
    atypicalblonde
    Hi Kittenkirst we tend to try and book him an Air BnB place so he can have access to kitchen facilities to re-heat the meals. On this week's menu is Sri Lankan chicken curry; chilli; spag bol and pulled pork. Is there any way your GF can stay in self-catering places to keep costs down?

    SJ - You are quite right, monthly goals sound perfectly sensible. Ok... here goes... what was the end of year goal is now the end of October goal - I will be in the 30s by 2nd November (2nd because mortgage payment is made on 1st, gives it time to level itself off).

    Phew, I've said it. Off for a brew and a lie down x
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 22.12.17 - £115,000
    Aiming to be MF 1.10.2020
    Goal - overpay £10k by 31.3.18 - so far £182/£10,000
    • PrincessLou
    • By PrincessLou 2nd Oct 16, 11:45 AM
    • 494 Posts
    • 1,917 Thanks
    PrincessLou
    ATB, you're sounding super organised lately!

    Do you still do airbnb? Or have you stopped since you've moved? I remember it was quite money earner for you.
    • atypicalblonde
    • By atypicalblonde 2nd Oct 16, 1:40 PM
    • 2,645 Posts
    • 17,491 Thanks
    atypicalblonde
    Hey Lou it was a great earner for us, but no, we don't do it in the new house. I would heartily recommend it though, it's just not for us at this time - DH works away so much, I wouldn't feel comfortable just me and the kiddies here with guests.

    Lazy afternoon planned now, I am pooped x
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 22.12.17 - £115,000
    Aiming to be MF 1.10.2020
    Goal - overpay £10k by 31.3.18 - so far £182/£10,000
    • Firegirl
    • By Firegirl 2nd Oct 16, 2:20 PM
    • 720 Posts
    • 2,923 Thanks
    Firegirl
    Good luck with your next sprint! I like the idea of the zeros at the end of the mortgage!
    Mortgage balance Feb 2015 start of MFW Journey-£245316.06/Aim to be mortgage neutral 2022
    Current Mortgage Balance £197, 495
    Target for May 2018 - Somewhere inbetween 2 figures below!!
    19 Year Target Balance MF55= £205, 020
    14 Year Target Balance MF50= £191, 314
    • atypicalblonde
    • By atypicalblonde 3rd Oct 16, 1:21 PM
    • 2,645 Posts
    • 17,491 Thanks
    atypicalblonde
    Online banking is still a day behind so I can't yet see how far away from the 30s we are. Hopefully it will catch up tomorrow and I will have an idea of just how much we need to throw at it this month.

    I have done lots of admin and chores this morning, having been up since 5am with DH. Aiming for a couple of no-spend days now, we have plenty in stocks to enable us to eat from the fridge and freezer so no top-up shops should be necessary
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 22.12.17 - £115,000
    Aiming to be MF 1.10.2020
    Goal - overpay £10k by 31.3.18 - so far £182/£10,000
    • atypicalblonde
    • By atypicalblonde 3rd Oct 16, 7:34 PM
    • 2,645 Posts
    • 17,491 Thanks
    atypicalblonde
    Homemade broccoli and Stilton soup made, so that's my lunches sorted for the next few days. An early night with my book is on the agenda.

    Have lovely evenings all xx
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 22.12.17 - £115,000
    Aiming to be MF 1.10.2020
    Goal - overpay £10k by 31.3.18 - so far £182/£10,000
    • PrincessLou
    • By PrincessLou 3rd Oct 16, 8:25 PM
    • 494 Posts
    • 1,917 Thanks
    PrincessLou
    Broccoli and Stilton soup...yummy! Enjoy the book!
    • Kittenkirst
    • By Kittenkirst 3rd Oct 16, 9:23 PM
    • 1,702 Posts
    • 9,035 Thanks
    Kittenkirst
    Ah, our work has specified hotels to stay in so she has her evening meal
    Provided but not lunches and breakfast (she misses brekkie as is a committed gym bunny!) will try a little experimenting with pack ups that will last for a few days :

    Thanks for the ideas though! Sri Lankan curry sounds ace!
    2018 MFW #20 - OP £391.44/ £3000 13%

    Emergency fund £4K/ £6k
    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    Overpayments 2016 £255.50 2017 £2600.40
    • atypicalblonde
    • By atypicalblonde 5th Oct 16, 11:19 AM
    • 2,645 Posts
    • 17,491 Thanks
    atypicalblonde
    Hi all

    Apologies for being a bit AWOL. It has been a rubbish couple of days here - we were subjected to an attempted burglary on Monday evening whilst I was upstairs bathing the children. I scared them away thankfully, but as DH was away I was utterly terrified. Next door neighbours were fabulous, as were the police. No-one caught (surprise surprise) but we now have super upgraded locks on all of the doors. They haven't come cheap but I feel safer now. Alarm chap is coming today as well to sort that out.

    Ahem. Onto more pleasing news. To be in the 30s by 2nd November we need to OP £800 this month. Eminently do-able with some careful planning, low grocery spends and attention to detail. In the spirit of every little helps, I have just Opd £2

    Take care, ATB x
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 22.12.17 - £115,000
    Aiming to be MF 1.10.2020
    Goal - overpay £10k by 31.3.18 - so far £182/£10,000
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