Courgette's 'Frugality gives us options' diary

Options
1…34689…14

Comments

  • earthgirl
    earthgirl Posts: 3,762 Forumite
    Mortgage-free Glee!
    Options
    That does sound lovely! Enjoy your break and keep us up to date x
    15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House:www: Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again :j

    Progress not Perfection
  • Courgette
    Courgette Posts: 3,230 Forumite
    First Post First Anniversary Combo Breaker
    Options
    Thanks! Feeling chirpier today. 6 hours of tuition done. 3 tomorrow then time for a lovely break - yippee!!! Lovely lads not being very lovely, hoping all of us having a rest will improve things a bit. DH is planning on taking DS2 to the cinema tomorrow for a bit of 1:1 time for him, not sure what they;re planning on watching
    A reminder to myself: Persistence Pays Off ;):D :idea: :rotfl:
    Mortgage 1: [STRIKE]£95,000[/STRIKE] £78,900 at 3.1%
    Mortgage 2 (BTL): £83, 489.15 at 2.99% (I.O.)
    Savings (S&S ISA): £3000 Plus 6 months emergency savings earning 3%
  • Courgette
    Courgette Posts: 3,230 Forumite
    First Post First Anniversary Combo Breaker
    Options
    Had a lovely run around on the moors today - was very bracing! And a walk through the woods on the Solstice - seems to be turning into a tradition that one!

    Feeling nice and relaxed and ready for Christmas. Think DS3 may have Chicken pox though! He's cheerful though and it seems to be mild so nothing to panic about.

    Happy Christmas, lovely MFWers! Have a lovely rest! :xmastree::xmastree::xmastree:
    A reminder to myself: Persistence Pays Off ;):D :idea: :rotfl:
    Mortgage 1: [STRIKE]£95,000[/STRIKE] £78,900 at 3.1%
    Mortgage 2 (BTL): £83, 489.15 at 2.99% (I.O.)
    Savings (S&S ISA): £3000 Plus 6 months emergency savings earning 3%
  • Courgette
    Courgette Posts: 3,230 Forumite
    First Post First Anniversary Combo Breaker
    Options
    Oh, here's a quote I don't want to lose:

    "Let yourself be drawn to the pull of what you love, it will not lead you astray"
    A reminder to myself: Persistence Pays Off ;):D :idea: :rotfl:
    Mortgage 1: [STRIKE]£95,000[/STRIKE] £78,900 at 3.1%
    Mortgage 2 (BTL): £83, 489.15 at 2.99% (I.O.)
    Savings (S&S ISA): £3000 Plus 6 months emergency savings earning 3%
  • Courgette
    Courgette Posts: 3,230 Forumite
    First Post First Anniversary Combo Breaker
    Options
    Weird but mostly great Christmas. Great to have DH at home for it rather than fitting us in around a smelly retail job. Less great because unfortunately DS3 got Chicken Pox and also the flooding was quite difficult around here. Two family members (separate households) have had close shaves with water but thankfully it seems to be receding now (although it's also chucking it down as I type....)

    I've started a blog and my aim for the year is to earn £1000 from it. Not sure how this will happen - that's the fun! My challenge for 2015 was to complete 400 hours of tuition - as of this afternoon when I taught my last lesson of the year I've done 437. I'm really pleased with this and would like to aim for 500 in 2016.

    Will update more in a bit
    A reminder to myself: Persistence Pays Off ;):D :idea: :rotfl:
    Mortgage 1: [STRIKE]£95,000[/STRIKE] £78,900 at 3.1%
    Mortgage 2 (BTL): £83, 489.15 at 2.99% (I.O.)
    Savings (S&S ISA): £3000 Plus 6 months emergency savings earning 3%
  • Courgette
    Courgette Posts: 3,230 Forumite
    First Post First Anniversary Combo Breaker
    Options
    Sorry about the interuption - blumming children!

    Right, goals for 2016 are roughly as follows
    - As said above, make £1000 blogging. Scary as I have no idea how!
    - Complete 500 hours tuition - I'm actually gonna need to start finding students rather than waiting for them to come to me
    - Open a SIPP. If anyone would like to tell me which one please do so. I'm serious!
    - Finish off paying family loan - £5500 to go
    - Complete TEFL qualification
    - Complete a big physical challenge in honour of my scary birthday with a zero in it later in the year. I'm thinking along the lines of a Rapha 100 mile bike ride in July

    Things feel as though they're getting easier. I'm really pleased to have finished breast-feeding. It's great that he comes to me for a cuddle now rather than a wrestling match and I love reading him bedtime stories rather than just feeding for ages and ages. Massive bonus is he's also sleeping through the night :j:j:jDS2 is starting to calm down a bit too. He's definitely one of those 'active' types and really needs lots and lots of fresh air and exercise but once he's had that he's really loving and kind. DS1 is also coming out of the other side of the teenage doldrums too, thank goodness. There's still a lot of work to do on the relationship between DS1 & 2 but I guess they'll get there.

    Overall, I have a very good feeling about 2016 - I think it may well be our year! :beer::D
    A reminder to myself: Persistence Pays Off ;):D :idea: :rotfl:
    Mortgage 1: [STRIKE]£95,000[/STRIKE] £78,900 at 3.1%
    Mortgage 2 (BTL): £83, 489.15 at 2.99% (I.O.)
    Savings (S&S ISA): £3000 Plus 6 months emergency savings earning 3%
  • Radish72
    Radish72 Posts: 2,073 Forumite
    Name Dropper First Post First Anniversary
    Options
    Happy New Year

    Here's to 2016 being your year :beer:
    Mortgage Aug 12 £165K, Aug 19 £0
    ISA challenge start 2019 £3000/£1500 (50%)
  • Courgette
    Courgette Posts: 3,230 Forumite
    First Post First Anniversary Combo Breaker
    Options
    _party_Happy new year!!!! Slightly hungover this morning :o:o:o I had 2 entire glasses of Baaileys and feel awful. My family think it's hilarious!

    Taking DS2 swimming in a moment. I must be actually insane :rotfl::rotfl:
    A reminder to myself: Persistence Pays Off ;):D :idea: :rotfl:
    Mortgage 1: [STRIKE]£95,000[/STRIKE] £78,900 at 3.1%
    Mortgage 2 (BTL): £83, 489.15 at 2.99% (I.O.)
    Savings (S&S ISA): £3000 Plus 6 months emergency savings earning 3%
  • pavlovs_dog
    pavlovs_dog Posts: 10,199 Forumite
    Name Dropper Combo Breaker First Post First Anniversary
    Options
    You're a cheap date Courgette :D

    Happy new year xx
    know thyself
    Nid wy'n gofyn bywyd moethus...
  • Secret_Saving_Squirrel
    Secret_Saving_Squirrel Posts: 4,138 Forumite
    Mortgage-free Glee!
    Options
    A very happy new year. I am glad that all is going well with the boys... But make time for yourself too! I love the quote - so true. X
    Paid off mortgage nine years early in 2013. Now picking and choosing our work to fit in with the rest of our lives!
    Still thrifty though, after all these years:D
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

Categories

  • All Categories
  • 343.3K Banking & Borrowing
  • 250.1K Reduce Debt & Boost Income
  • 449.7K Spending & Discounts
  • 235.3K Work, Benefits & Business
  • 608.1K Mortgages, Homes & Bills
  • 173.1K Life & Family
  • 248K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 15.9K Discuss & Feedback
  • 15.1K Coronavirus Support Boards