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PBR's "M" for "mortgage" diary!
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# 381
poorbutrich
Old 23-02-2014, 11:06 AM
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My "make 10 challenge" is seriously flagging - I went out to lunch yesterday with someone I hadn't seen for a while and spent A FORTUNE on food, parking and petrol!


I then came back to find that am4zon has rejected some of my books for trade in - boo.


To redeem myself, I've signed up for Swagbucks. Quite excited to see what that's about!
Overpay!
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# 382
mouche
Old 17-04-2014, 12:27 PM
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Hi pbr...haven't heard from you in some time. Hope all is well?
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# 383
poorbutrich
Old 21-04-2014, 2:57 PM
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Hi Mouche
I've been posting on your diary! I've had nothing MSE to put on mine! I need to earn more money and stop spending so much. To be fair, I've got our weekly food budget right down and we've started growing our own veg, but I am on good terms with my overdraft and haven't made a mortgage OP for some time.

Just surviving at the moment. Hopefully things will pick up soon - hope you're all having a good Easter!
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# 384
mouche
Old 22-04-2014, 9:51 AM
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Hi pbr...sorry yes, I have seen your posts on my diary - was just being nosey about what you've been up to! Congrats on growing your own. I'm afraid my thumbs are anything but green. The only green thing I can't kill i s weeds
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# 385
poorbutrich
Old 25-06-2014, 10:29 PM
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Hello! Long time no see. Your hair looks great like that!!


I doubt anyone noticed I've been away for weeks and weeks. I didn't even notice myself until I looked up and realised it's JULY next week!


I've been working, working, working. Working for a company during the day, enlisted by my friend who asked me to come and join the team on a temp basis, but still here two months later; and then working for myself in the evening. Who needs sleep when there's a mortgage to overpay!


I was worried that my friendship might suffer owing to working with her five days a week. I may have mentioned on here that I don't have many friends, so I have to take care not to jeopardise the friendships I do, but things seem to be ok between us, thus far!


I managed to make my first OP today in AGES which I'm really happy about so the hours of work feel worth it tonight. I still have a lot of catching up to do from leaving work to look after DS, but making an OP feels great. I feel a bit like I'm on a treadmill at the moment; each time my pay cheque comes in, it goes straight out again - mostly on nursery! So it felt very gratifying tonight to make an OP - even if I had completely forgotten how to do it and had to call the mortgage provider for help!


Great to have a nosey at all the inspirational people on the mortgage boards - a bit of MSE has given me a massive kick to ensure I make another OP before I look up again and discover it's Christmas!
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# 386
starnac
Old 26-06-2014, 9:27 AM
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Hey PBR. Nice to see you again. I'm glad you like my hair. I haven't washed it today

Yay to OPing

I'm glad you are happy where you are working and your friendship is still good. Always a hard one that. She must have thought you were good or she wouldn't have asked you.

Welcome back to MSE. I'll put the kettle on
Pay debt off by Christmas 2014 #87 4,506.29/9,827.73
Monthly shop (15th-15th) 88.01/150
Sealed Pot Challenge #307
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# 387
mouche
Old 26-06-2014, 9:40 AM
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Yay! You're back - of course I noticed you haven't been around but I guessed you must be busy. And it seems you've been much busier than I thought! Good news about the job and GREAT news about the OP! Hope you will be around here more now pbr - I missed you!
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# 388
poorbutrich
Old 18-07-2014, 4:04 PM
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Nearly a month since my last post - what is the matter with me! More work, work, work. A couple more OPs too, which are slowly becoming addictive.

The good thing about being so busy is that there's no time to spend, although the more tired you are, the more likely you are to be tempted by a takeaway or a sandwich rather than cooking or bringing lunch. I've tried to combat that by buying lots of frozen food for "emergencies".

Hope you're all enjoying the summer -I'm going to try to make another OP over the weekend!
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# 389
mouche
Old 26-07-2014, 12:08 AM
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Hope you managed that OP pbr!
Mortgage (original/ current):193,000 (23/09/11)/ 171,777.77 (08/08/2014).
MFW target for 2014: 1,518/ 1,236
2014 Challenges
Grocery Challenge: 77.81 (approx.)/175
Make 50 a month: 28.10/100
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# 390
poorbutrich
Old 01-08-2014, 4:21 PM
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I did! Annoyingly, I miscalculated and took myself 17 into the OD, but I think the interest I have to pay is less than the interest on my mortgage IYSWIM, so never mind.

I'll be more careful next time; next time being tonight hopefully! I have saved like crazy this week, and our only splurge was taking someone out to a very posh restaurant, so well worth it for the food and the smile on our friend's face!

have a lovely weekend everyone - the weather's going to be horrible. Not sure about everyone else, but when it's rain, rain, rain, I find myself spending less!
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# 391
mouche
Old 02-08-2014, 11:24 PM
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Shame about the OD pbr but you still profited so yay! And another one coming this evening - you are so good at this.

That restaurant sounds fab - your lucky friend.
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# 392
poorbutrich
Old 22-08-2014, 11:09 AM
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Another OP tonight I think. it's addictive!

I have made some accidental splurges this week (had to hire a van to help someone move, had to pay for a meal out as the restaurant wouldn't take my vouchers paid for with Club card points and have been driving a lot, so a few tanks of diesel).

I've decided to join the "compact" for September meaning no unnecessary spending whatsoever. While I am quite good at this, I find myself slipping sometimes, so a month-long challenge will focus the brain!
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# 393
poorbutrich
Old 23-10-2014, 10:50 PM
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Wow - it's been a long time since I posted here! Time flies when you're having fun (or trying to save money).


Well September was great and I think I did fairly well with my September spending diet. However, October was a pretty spendy month, but mitigated slightly by a couple of things including a couple of overpayments.


Our mortgage is huge (our house, however, is not), and we're about 4,000 away from a milestone, so I'm going to aim to dip under this by the end of the year. By that I mean we WILL dip under this by the end of the year.


It means being super frugal, so please shout at me if I buy anything unnecessary.


And that includes these biscuits next to me..Shout at me please!
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# 394
JimLad
Old 24-10-2014, 8:46 AM
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Quote:
Originally Posted by poorbutrich View Post
And that includes these biscuits next to me..Shout at me please!
RAHHH!!! DONT BUY BISCUITS!!!
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# 395
starnac
Old 24-10-2014, 9:11 AM
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Quote:
Originally Posted by JimLad View Post
RAHHH!!! DONT BUY BISCUITS!!!
Make them instead
Pay debt off by Christmas 2014 #87 4,506.29/9,827.73
Monthly shop (15th-15th) 88.01/150
Sealed Pot Challenge #307
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# 396
Hurdler
Old 24-10-2014, 11:26 AM
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Quote:
Originally Posted by poorbutrich View Post
Wow - it's been a long time since I posted here! Time flies when you're having fun (or trying to save money).


Well September was great and I think I did fairly well with my September spending diet. However, October was a pretty spendy month, but mitigated slightly by a couple of things including a couple of overpayments.


Our mortgage is huge (our house, however, is not), and we're about 4,000 away from a milestone, so I'm going to aim to dip under this by the end of the year. By that I mean we WILL dip under this by the end of the year.


It means being super frugal, so please shout at me if I buy anything unnecessary.


And that includes these biscuits next to me..Shout at me please!
I believe biscuits are evil and need to be donated to your nearest Hurdler. No really, I insist... works?

Mortgage @ March 2008: 194,965 ; Lightbulb Moment: July 2011: 164,926; End Date: March 2033

Hurdler's Race Year 3: Amount off the Blocks: 86,555.30 ; Approx Balance: 70,708 (14/10/14)
Monthly Payments: 355.65/5048.08 ; Overpayments: 11517.08
Vernon The Virtual Mortgage Pig: 912.31 ... oink oink
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# 397
poorbutrich
Old 24-10-2014, 1:49 PM
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Quote:
Originally Posted by JimLad View Post
RAHHH!!! DONT BUY BISCUITS!!!


Thank you! It worked! I went to yoga instead - amazing!


Thanks everyone!
Overpay!
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