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  • FIRST POST
    • benbenandme
    • By benbenandme 27th Dec 16, 7:03 PM
    • 10,121Posts
    • 26,002Thanks
    benbenandme
    Ready to do it all over again ...
    • #1
    • 27th Dec 16, 7:03 PM
    Ready to do it all over again ... 27th Dec 16 at 7:03 PM
    Hello, thank you for popping by

    I have been a regular on the debt free diaries board for years as well as dipping in here at times. I did join in Tallgirls Mortgage Free in 3 Challenge several years ago and have had several diaries over the years. This is the first time I've had one here though despite never actually being in debt I always felt it could happen oh so easily so treated myself as if I was a dfw.

    So, 2017 and my new diary here ...

    I have lived in my lovely flat with my ds (13) for the last 9 years and finally it looks as though we will be moving in the new year. I have sold my flat to a cash buyer and have had an offer accepted on a 2 bed little house. I will probably put stuff into storage and stay with my Mum for a few weeks while the house goes through as my buyers are very keen to complete asap and I don't want to risk losing them as I have already had one sale fall through due to brexit.

    Normally at this point between Christmas and New Year I begin planning my aims for the coming year, setting goals - usually financial related, and generally getting everything organised ready to tackle whatever I have planned. This normally is a £££ goal to knock off the mortgage etc.

    This year however everything is a bit unknown as I can't predict how much I can save etc at this point. But what I can do is take stock of exactly where I'm at now and make lists, I do like lists , of things I need to do to make as many pennies as possible / minimise spends where possible.
    Mortgage Total: £75,000 £73,738 Mortgage End Date: May 2040
    Brother's loan: £2984 / £30,000
    Holiday Fund: £400 / £1400
Page 2
    • benbenandme
    • By benbenandme 28th Dec 16, 2:27 PM
    • 10,121 Posts
    • 26,002 Thanks
    benbenandme
    So we've been shopping as ds has been saving up for his xbox one, the shops were mad busy so am glad to get home again. I did get some food bits while we were out, spent about £45 which should now keep us going until new year.

    The rest of the day will be spent pottering and sorting indoors
    Mortgage Total: £75,000 £73,738 Mortgage End Date: May 2040
    Brother's loan: £2984 / £30,000
    Holiday Fund: £400 / £1400
    • benbenandme
    • By benbenandme 28th Dec 16, 3:13 PM
    • 10,121 Posts
    • 26,002 Thanks
    benbenandme
    I've booked ds haircut (friday 11.15) and have found the fitbit and it's now charging. I think I might set myself a monthly target for that, based on 10,000 a day - some days I will do more, others may be less, but if I aim for 10,000 x days in the month it should even itself out
    Mortgage Total: £75,000 £73,738 Mortgage End Date: May 2040
    Brother's loan: £2984 / £30,000
    Holiday Fund: £400 / £1400
    • tootallulah
    • By tootallulah 28th Dec 16, 3:29 PM
    • 1,998 Posts
    • 6,903 Thanks
    tootallulah
    Hiya Benben congrats on selling your flat good luck on buying the house.

    I will be back on here too as with a bit of luck my London flat has sold and I will be trying to get rid of this house mortgage in the next five years-bring it on!
    Mortgage House £173,000 July17th 2016.
    • pixiechick99
    • By pixiechick99 28th Dec 16, 4:17 PM
    • 3,640 Posts
    • 15,349 Thanks
    pixiechick99
    I'm still lurking here...

    Really pleased to hear you are on the move soon - looking forward to hearing all about the new pad! And of course, to ring very impressed with all your organisation and immense lists
    January NSDs 0/12
    January Grocery Challenge £0/£200

    DFW Nerd #1135
    • benbenandme
    • By benbenandme 28th Dec 16, 4:49 PM
    • 10,121 Posts
    • 26,002 Thanks
    benbenandme
    Hello Pixie and Tootallulah

    So I decided the reason I wasn't really getting on with things today was because nothing is in its prpoer place because of Christmas stuff, so that's it, Christmas has gone in our house To be fair I've done quite well for me this year, normally I'm itching to get rid of it on Boxing Day, so it's lasted quite well Anyway, it gave me a chance to sort through and bin a couple of bits and pieces that don't get used each year, so now it all fits into 2 boxes. I just need to put in the lights from the tree out the front then I can seal it up ready to go into storage

    I might go and have a bath in a bit and then I can get my pj's on, think about dinner a bit later then do some more pottering tonight. I think it might be mainly laptop based pottering, I need to have a good declutter of my documents on here, upload photos from Christmas etc and generally get everything straight again Oh and I might watch a bit of footie later too
    Mortgage Total: £75,000 £73,738 Mortgage End Date: May 2040
    Brother's loan: £2984 / £30,000
    Holiday Fund: £400 / £1400
    • benbenandme
    • By benbenandme 28th Dec 16, 4:55 PM
    • 10,121 Posts
    • 26,002 Thanks
    benbenandme
    A quick update on the list:

    Ds haircut BOOKED FOR FRIDAY
    Recycle xmas tree IN GARAGE READY TO GO TOMORROW
    Xmas decs boxed up DONE
    Email documents to solicitor
    Ds thankyou letters
    Fix bike
    Cancel old mobile contract
    Make an inventory of the freezer DONE
    Make an inventory of the food cupboards DONE
    Ebay any suitable items
    Change all bedding
    Clear all junk to the tip
    Clean drawer in washing machine
    Dejunk wooden drawers in lounge
    Research storage costs
    Update calendar
    Sort MOT
    Find fitbit, charge it and use it DONE
    Take outdoor potted xmas tree to Mums garden
    Arrange to take Mum to see new house
    Dejunk all paperwork
    Gut shoe cupboard
    Mortgage Total: £75,000 £73,738 Mortgage End Date: May 2040
    Brother's loan: £2984 / £30,000
    Holiday Fund: £400 / £1400
    • atypicalblonde
    • By atypicalblonde 28th Dec 16, 5:50 PM
    • 2,364 Posts
    • 14,562 Thanks
    atypicalblonde
    Hi benben,

    I remember you from the good ol' DFW days! Lovely to "see" you on here, I can't believe you DS is 13!

    I will follow your journey with interest x
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 10.9.17 - £122,780
    Aiming to be MF 1.10.2020
    • skint_spice
    • By skint_spice 29th Dec 16, 8:31 AM
    • 11,211 Posts
    • 23,475 Thanks
    skint_spice
    All the best Benben, exciting new adventure x
    mmm...still thinking, planning and plotting for aims in 2017
    • benbenandme
    • By benbenandme 29th Dec 16, 9:03 AM
    • 10,121 Posts
    • 26,002 Thanks
    benbenandme
    Thanks Skint Spice, think you need to update your signature soon

    So I've had a lazy lie-in this morning, now time to crack on. Today involves changing both beds, gutting all paperwork, a trip to the tip, and a couple of other bits from the to do list. I have prepared my spreadsheet for the new year, so I am ready to fill in where all my savings will hopefully be coming from
    Mortgage Total: £75,000 £73,738 Mortgage End Date: May 2040
    Brother's loan: £2984 / £30,000
    Holiday Fund: £400 / £1400
    • smallholdingsister
    • By smallholdingsister 29th Dec 16, 9:40 AM
    • 3,307 Posts
    • 25,933 Thanks
    smallholdingsister
    Welcome and Good Luck! Sounds like you are off to a dynamic start.
    • benbenandme
    • By benbenandme 29th Dec 16, 10:58 AM
    • 10,121 Posts
    • 26,002 Thanks
    benbenandme
    Both beds have been stripped, mine has been remade, ds hasn't done his yet Washing machine and dishwasher are both doing their thing. Paperwork has been gutted, it wasn't too bad actually as I did it relatively recently. We're thinking about dropping the stuff at the tip then taking the dog down the beach for a bit as it's lovely out there this morning

    I have also gone through my vouchers box, I put all gift vouchers in one place throughout the year and use them towards Christmas shopping. I still have some left over that haven't been used:

    £20 Boots vouchers
    £20 Sainsburys gift cards
    £40 Tesco clubcard vouchers
    £10 Mastercard online voucher
    Afternoon tea at a local hotel voucher
    Spa day (from best mate for Xmas) voucher

    Ds has:
    £5 Costa voucher
    £23 Waterstones vouchers
    Mortgage Total: £75,000 £73,738 Mortgage End Date: May 2040
    Brother's loan: £2984 / £30,000
    Holiday Fund: £400 / £1400
    • benbenandme
    • By benbenandme 29th Dec 16, 1:24 PM
    • 10,121 Posts
    • 26,002 Thanks
    benbenandme
    Trip to the tip and the beach done, it was beautiful down there today and the dog had a good run around

    Another load of washing is in, we've had lunch, I've cleaned the drawer in the washing machine, so I'm getting my way through that list, in fact I've already done everything I'd planned to do today from the list, so plenty of time still to get some more ticked off

    I've got a few more surveys in my inbox that I need to get done too.
    Mortgage Total: £75,000 £73,738 Mortgage End Date: May 2040
    Brother's loan: £2984 / £30,000
    Holiday Fund: £400 / £1400
    • amber03
    • By amber03 29th Dec 16, 1:39 PM
    • 784 Posts
    • 4,562 Thanks
    amber03
    Would love to get on and do stuff but DS2 has been on nights and is in bed. Don't want to make too much noise as he is working again tonight. Raring to go on hoovering and packing some Xmas decs away. Think I will just pop to the shops for abit of window shopping then do my jobs later. Love how clean the house looks when all Xmas decs away.x
    Debtfree and and staying that way.
    £1000 Emergency fund No.112 £106.25


    WOMBLER 2017 NO. 5 £7.20
    • benbenandme
    • By benbenandme 29th Dec 16, 7:48 PM
    • 10,121 Posts
    • 26,002 Thanks
    benbenandme
    A few surveys done, a nice bath and then I remembered I changed the bedding this morning, so an early night with the laptop, I thought I'd spend some time reading some other diaries on the mfw board
    Mortgage Total: £75,000 £73,738 Mortgage End Date: May 2040
    Brother's loan: £2984 / £30,000
    Holiday Fund: £400 / £1400
    • Smart Mart
    • By Smart Mart 29th Dec 16, 8:33 PM
    • 1,365 Posts
    • 2,391 Thanks
    Smart Mart
    Lurking again in the new thread!!

    Happy New Year to you and DS. 13 already? Good grief.....
    • TallGirl
    • By TallGirl 30th Dec 16, 9:57 AM
    • 4,138 Posts
    • 8,578 Thanks
    TallGirl
    Hi BenBen great news on the flat and finding a new place congratualation. Great to see you back on the MFW nice to see old timers here back from the original MFI3. Love your lists and how organised you are keep up the good work.
    • benbenandme
    • By benbenandme 30th Dec 16, 12:43 PM
    • 10,121 Posts
    • 26,002 Thanks
    benbenandme
    Morning all, ds has had his haircut and I've booked to have mine done tomorrow lunchtime. Other than that it has been a lazy morning, I had a bad nights sleep as I had tummyache and couldn't settle.

    Today I want to get the general housework done and cancel the old mobile. Then there shouldn't be too much left on my list to do
    Mortgage Total: £75,000 £73,738 Mortgage End Date: May 2040
    Brother's loan: £2984 / £30,000
    Holiday Fund: £400 / £1400
    • benbenandme
    • By benbenandme 30th Dec 16, 4:01 PM
    • 10,121 Posts
    • 26,002 Thanks
    benbenandme
    We've had another nice walk along the beach with the dog today, dinner is in the slow cooker (gammon), with potatoes and carrots etc all peeled ready to cook later. I'm pottering about a bit although the place doesn't seem to be getting any tidier. Time to update the list I think:

    Ds haircut DONE
    Recycle xmas tree DONE
    Xmas decs boxed up DONE
    Email documents to solicitor
    Ds thankyou letters
    Fix bike
    Cancel old mobile contract DONE
    Make an inventory of the freezer DONE
    Make an inventory of the food cupboards DONE
    Ebay any suitable items
    Change all bedding DONE
    Clear all junk to the tip DONE
    Clean drawer in washing machine DONE
    Dejunk wooden drawers in lounge
    Research storage costs
    Update calendar DONE
    Sort MOT
    Find fitbit, chargee it and use it DONE
    Take outdoor potted xmas tree to Mums garden
    Arrange to take Mum to see new house
    Dejunk all paperwork DONE
    Gut shoe cupboard
    Mortgage Total: £75,000 £73,738 Mortgage End Date: May 2040
    Brother's loan: £2984 / £30,000
    Holiday Fund: £400 / £1400
    • Madcatgirl
    • By Madcatgirl 31st Dec 16, 12:06 AM
    • 327 Posts
    • 3,952 Thanks
    Madcatgirl
    Hi Benben - wow, I used to follow your diary years ago on the dfw board. Nice to see you here, I'll subscribe! I also can't believe your ds is 13!
    March 2016 - £178,914.59; July 2017 £146,160.38
    Mortgage end Sept 2043; Target - pay off by March 2022, now Sept 2021
    Target balance July 2018 £112,560
    • benbenandme
    • By benbenandme 31st Dec 16, 9:14 AM
    • 10,121 Posts
    • 26,002 Thanks
    benbenandme
    Hello Madcatgirl

    Yesterday was payday so I have moved monies around where they need to be and have put some into the savings pot for 2017, I'm aiming to move £500 across each month at the start of the month and then top it up during the month with other bits and pieces that come along.

    I have moved this months £500 across and also a further £200 as I got some expenses back that I'd forgotten were due so that's £700 in the pot already I also just completed a survey that took me to payout so a £10 Sainsburys voucher ordered too. I will either save them up for a big shop when I move or I may save them all year towards the Christmas shop.

    Today I want to potter this morning, I'm having my haircut at 12:15 and then an afternoon of vegging on the sofa watching Soccer Saturday then tonight we're going to a friends house for New Year

    I will do a final money update once I've had my hair done so I can see exactly where I'm starting the new year from
    Mortgage Total: £75,000 £73,738 Mortgage End Date: May 2040
    Brother's loan: £2984 / £30,000
    Holiday Fund: £400 / £1400
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