misscousinitt's MF Diary

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  • misscousinitt
    misscousinitt Posts: 3,655 Forumite
    First Anniversary First Post Mortgage-free Glee!
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    Got my payslip and the bonus is on there:j:beer::j:beer::j:beer::j:beer::j:beer::j:beer:

    We are being paid tomorrow - so will do the money shuffle early and sort stuff out!

    MCI
    Mortgage Free x 1 03.11.2012 - House rented out Feb 2016
    Mortgage No 2: £82, 595.61 (31.08.2019)
    OP's to Date £8500
    Renovation Fund:£511.39;
    Nectar Points Balance: approx £30 (31.08.2019)
  • misscousinitt
    misscousinitt Posts: 3,655 Forumite
    First Anniversary First Post Mortgage-free Glee!
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    Pop to garage over the road to sell raffle tickets! done
    Pick up prescription from the Drs on the way home. done
    Go to post office to buy multi-vouchers for the raffle 1st prize. done
    Go to £shop to get DHs stocking fillers.
    Finish writing cards for work. done
    Write cards for local friends and neighbours.
    Pick up orders of presents from Mr T (Friday)
    Wrapping (Friday - DH is out).
    Food shopping list and food shopping (Sunday)
    Regular household chores, washing etc...

    At least I've managed to do a few things so far.

    Had a lovely evening out with my friend last night.

    There is a good chance I won't get anything to eat tonight - so I had an extra large sandwich - really pushed for time this evening - especially as I dropped my prescription in at the chemist at lunchtime, then forgot to pick it up! So got to go after work!

    So tonight we are at a Carol Service, then its off to the pub for a drink with my friend as she's 65 today!

    I might be hoping too much I'll get loads done tomorrow night - but I will try my best - its all you can do.

    This week has flown by, can't believe its Friday tomorrow.

    MCI
    Mortgage Free x 1 03.11.2012 - House rented out Feb 2016
    Mortgage No 2: £82, 595.61 (31.08.2019)
    OP's to Date £8500
    Renovation Fund:£511.39;
    Nectar Points Balance: approx £30 (31.08.2019)
  • misscousinitt
    misscousinitt Posts: 3,655 Forumite
    First Anniversary First Post Mortgage-free Glee!
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    Happy Friday everyone!

    Done one money shuffle, will do the rest later.

    £1000 added to the House Fund.

    MCI
    Mortgage Free x 1 03.11.2012 - House rented out Feb 2016
    Mortgage No 2: £82, 595.61 (31.08.2019)
    OP's to Date £8500
    Renovation Fund:£511.39;
    Nectar Points Balance: approx £30 (31.08.2019)
  • edinburgher
    edinburgher Posts: 13,462 Forumite
    Name Dropper First Anniversary First Post
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    Happy Friday MCI :)

    Your house fund is looking very healthy (how was the carol service?)
  • megela
    megela Posts: 755 Forumite
    First Anniversary
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    :xmassign: Merry Christmas and a Happy New Year!!:xmassign:
    Re-mortgaged 20/04/12 MTiT-T3 No.7
    Start balance £89611.10 + £22500 = £112111.10/Current balance £85436.53
    Original Mortgage Free Date April 2032
    Target Mortgage Free Date July 2022/Currently August 2029 (based on no offset)
    Total overpayments from 20/04/12: £8152.95
  • misscousinitt
    misscousinitt Posts: 3,655 Forumite
    First Anniversary First Post Mortgage-free Glee!
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    Hi Ed


    Carol service was good - we go every year - its just nice.


    Hi Megela


    thanks for the messages


    Its been absolutely manic and I've not had time to come on at all. Just had to pay someone online so thought I'd pop on and wish everyone all the best for the festive season and a happy New Year.


    Catch up soon.


    MCI
    Mortgage Free x 1 03.11.2012 - House rented out Feb 2016
    Mortgage No 2: £82, 595.61 (31.08.2019)
    OP's to Date £8500
    Renovation Fund:£511.39;
    Nectar Points Balance: approx £30 (31.08.2019)
  • muddywhitechicken
    muddywhitechicken Posts: 3,940 Forumite
    First Anniversary First Post Combo Breaker
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    Merry Christmas MCI :xmassmile

    MWCx
    Mortgage at highest (April 2008): ~£195,000
    Mortgage-free: January 2021
    Retired: June 2022 (186 months early!)
  • gallygirl
    gallygirl Posts: 17,228 Forumite
    Name Dropper First Anniversary First Post Mortgage-free Glee!
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    Merry Christmas MCI :santa2:
    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"
  • unhappy_shopper
    unhappy_shopper Posts: 1,304 Forumite
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    Merry Christmas, MCI :)
    :xmassign:
    Mortgage: @ Feb. 2007: £133,200; Apr. 2011: £24,373; May 2011: £175,999; Jun 2013: ~£97K; Mar. 2014 £392,212.73; Dec. 2015: £327,051.77; Mar. 2016: ~£480K; Mar. 2017 £444,445.74
  • misscousinitt
    misscousinitt Posts: 3,655 Forumite
    First Anniversary First Post Mortgage-free Glee!
    Options
    Thank you everyone for the Christmas messages.


    the £shop challenge went well and opening the Christmas stocking was eagerly awaited by both of us. Going to start earlier on this challenge for next time, to try and get greater variety if presents. I really had some lovely things for only a £.


    I don't think I will be buying much shower gel in 2014 - pretty stocked up me thinks. Also won't have to buy any snacks for lunch boxes for ages either - so many tins of biscuits!


    the freezers are full to bursting - so minimum spend for January.


    Need to have a final total up of what we have spent on presents, but I am pretty sure its a lot less than last year.


    Time to take stock and plan for the future.


    Hope everyone is ok and enjoying time with friends and family this festive season.


    MCI
    Mortgage Free x 1 03.11.2012 - House rented out Feb 2016
    Mortgage No 2: £82, 595.61 (31.08.2019)
    OP's to Date £8500
    Renovation Fund:£511.39;
    Nectar Points Balance: approx £30 (31.08.2019)
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