A Journey of Many Pounds Starts With a Single Penny

2456756

Comments

  • Yes, very good luck on your journey 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
  • LadyGnome
    LadyGnome Posts: 801 Forumite
    First Anniversary Name Dropper First Post Combo Breaker
    edited 28 April 2016 at 3:51PM
    Thank you ETE and SSS for popping by.

    Things achieved so far this weekend
    1. Found 2p:)
    2. Won £5 on the lottery :j
    3. Planted some beetroot
    4. Current account sweep completed

    £78 left in my current a/c plus £3 saved on hairdresser gave me £81 so a very neat £27 to each pot.

    To do
    Make breakfast & lunch to take to work

    Tomorrow is payday so will do the money shuffle tomorrow or Tues.

    I will update on goals later in the week as I work off the mortgage balance the day before payment as that is the highest the figure can be (and will never be that high again!!)
    MortgageStart Nov 2012 £310,000
    Oct 2022 £143,277.74
    Reduction £166,722.26
    OriginalEnd Sept 2034 / Current official end Apr 2032 (but I have a cunning plan...)
    2022 MFW #78 £10200/£12000
    MFiT-6 #28 £21,772 /£75000
  • greent
    greent Posts: 10,670 Forumite
    First Post Name Dropper First Anniversary Photogenic
    Hello, welcome and good luck with your journey :)
    x
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NIL
    Net sales 2024: £20
  • LadyGnome
    LadyGnome Posts: 801 Forumite
    First Anniversary Name Dropper First Post Combo Breaker
    greent
    Thanks
    MortgageStart Nov 2012 £310,000
    Oct 2022 £143,277.74
    Reduction £166,722.26
    OriginalEnd Sept 2034 / Current official end Apr 2032 (but I have a cunning plan...)
    2022 MFW #78 £10200/£12000
    MFiT-6 #28 £21,772 /£75000
  • LadyGnome
    LadyGnome Posts: 801 Forumite
    First Anniversary Name Dropper First Post Combo Breaker
    edited 3 May 2016 at 1:07PM
    Bring food to work.
    Monday - Done
    Tuesday - Done
    Wednesday -Done
    Thursday - Done
    Friday - Done


    Walk from station to work instead of bus
    Do once - Done on Wed (roadworks were fouling up the traffic so walking was quicker than the bus).


    Financial
    Ring up CTF provider and check when statements due -Found out how to register online to manage the CTF so waiting for activation letter
    Provide Spanish Bank with info needed to recover dormant AN account
    Get State Pension Forecast - Done all OK
    Remind ;)OH to get his State Pension Forecast - Done
    Update Financial Goals on here
    MortgageStart Nov 2012 £310,000
    Oct 2022 £143,277.74
    Reduction £166,722.26
    OriginalEnd Sept 2034 / Current official end Apr 2032 (but I have a cunning plan...)
    2022 MFW #78 £10200/£12000
    MFiT-6 #28 £21,772 /£75000
  • McTaggus
    McTaggus Posts: 279 Forumite
    First Anniversary First Post Combo Breaker
    Good luck with your mission! :)
  • LadyGnome
    LadyGnome Posts: 801 Forumite
    First Anniversary Name Dropper First Post Combo Breaker
    McTaggus wrote: »
    Good luck with your mission! :)

    Thanks very much.
    MortgageStart Nov 2012 £310,000
    Oct 2022 £143,277.74
    Reduction £166,722.26
    OriginalEnd Sept 2034 / Current official end Apr 2032 (but I have a cunning plan...)
    2022 MFW #78 £10200/£12000
    MFiT-6 #28 £21,772 /£75000
  • LadyGnome
    LadyGnome Posts: 801 Forumite
    First Anniversary Name Dropper First Post Combo Breaker
    Yesterday there was a bit of spending. Oldest of the Gnomeboys needed more school uniform as he refuses to stop growing at a ridiculous rate (he's 12). Size 8 trainers :eek:


    I bought myself two tickets for RSC productions in London for Sept and Nov. However, I did buy mid range tickets rather than the most expensive so £68 (inc donation to RSC) to see King Lear and The Alchemist. (MSE bit - paid for on a cashback CC; put aside half the cost this month in holding a/c and will cover other half next month)


    Reviewed some of the money shuffle figures and added savings pots for a couple of probable expenses due in 3-4 years time. Its easier to find £56 pm for 45 months than £2500 in one lump. If the expenses don't crystallise I am sure I will have no problems repurposing the money :D


    Made my standard £200 OP to the mortgage. All other ad hoc repayments are split 3 ways but a standalone £200 pm goes to the mortgage as it is the biggest bill to pay!
    MortgageStart Nov 2012 £310,000
    Oct 2022 £143,277.74
    Reduction £166,722.26
    OriginalEnd Sept 2034 / Current official end Apr 2032 (but I have a cunning plan...)
    2022 MFW #78 £10200/£12000
    MFiT-6 #28 £21,772 /£75000
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    Like the savings pots idea and mid range tickets. Am sure it'll be great and this way you have more spare to OP.

    Have a good eve
    MFiT-T4 Member No. 96 - 2022 is my MF goal :D
    Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
    Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T
  • LadyGnome
    LadyGnome Posts: 801 Forumite
    First Anniversary Name Dropper First Post Combo Breaker
    brizzledfw wrote: »
    Like the savings pots idea and mid range tickets. Am sure it'll be great and this way you have more spare to OP.

    Have a good eve

    Thanks. Just got to resist the urge to spend the savings on a nice pre-theatre meal. MaccyD here I come :rotfl:
    MortgageStart Nov 2012 £310,000
    Oct 2022 £143,277.74
    Reduction £166,722.26
    OriginalEnd Sept 2034 / Current official end Apr 2032 (but I have a cunning plan...)
    2022 MFW #78 £10200/£12000
    MFiT-6 #28 £21,772 /£75000
Meet your Ambassadors

Categories

  • All Categories
  • 343.1K Banking & Borrowing
  • 250.1K Reduce Debt & Boost Income
  • 449.7K Spending & Discounts
  • 235.2K Work, Benefits & Business
  • 607.9K Mortgages, Homes & Bills
  • 173K Life & Family
  • 247.8K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 15.9K Discuss & Feedback
  • 15.1K Coronavirus Support Boards