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  • FIRST POST
    • poorbutrich
    • By poorbutrich 28th Aug 11, 8:39 PM
    • 1,481Posts
    • 5,529Thanks
    poorbutrich
    PBR's "M" for "mortgage" diary!
    • #1
    • 28th Aug 11, 8:39 PM
    PBR's "M" for "mortgage" diary! 28th Aug 11 at 8:39 PM
    Hi there
    I hope it's ok to join you! I have been lurking on these threads for a while and have been very inspired by your stories and success.

    We bought our house two years ago and paid too much for it! I resent every penny in interest we're paying on it and am determined to be MF as soon as possible!

    I am married to a lovely, wonderful man who shares my dreams to be MF most of the time, but is very busy with work and studying, so the practicalities are left to me. While he's supportive of my extra curricular activities that I undertake in order to bring extra pennies, he doesn't have time to do the same and can sometimes come home with cans of beer or a takeaway! He's not as meticulous as I am with comparing prices and ensuring he gets the best deal, but he's perfect in every other way, so I can live with it

    The other reason for paying off our mortgage asap is that I am six months pregnant, and it's recently occured to me that I won't be working (and therefore earning!) for six months, and that we'll most likely have a BABY at the end of the year!

    I'm going to detail the silly little things that keep the wheels turning and how I am going to cut back and overpay as much as possible!!

    Today's thing was selling various CDs and things lying around the house. Several things have ended on that auction site tonight, netting us 40, so that's a good start!

    Looking to hearing your views and getting a good kick when my energy starts to fail!
Page 22
    • mouche
    • By mouche 15th Mar 16, 12:48 PM
    • 836 Posts
    • 4,093 Thanks
    mouche
    Hullo pbr...I've logged in after ages and came to 'see' you. Hope all is well in your world?
    • poorbutrich
    • By poorbutrich 17th Mar 16, 10:03 AM
    • 1,481 Posts
    • 5,529 Thanks
    poorbutrich
    Hullo pbr...I've logged in after ages and came to 'see' you. Hope all is well in your world?
    Originally posted by mouche
    That's really kind! Hope all is well with you too.

    Since my last post it's all been work, work, work! I recall moaning when there wasn't enough work coming in, so shouldn't complain but a happy medium would be nice!

    I can't think of anything I've done recently so your post has inspired me to list some items on eBay later!

    Hope it won't be so long until our next posts! Looking forward to seeing what you've been up to on your diary Mouche.
    Overpay!
    • poorbutrich
    • By poorbutrich 5th May 16, 6:54 PM
    • 1,481 Posts
    • 5,529 Thanks
    poorbutrich
    I haven't been on here since March! And that was probably about the last time I had an NSD too - I need to rein in the spending I do when life is hectic; too many shop bought sandwiches and the like.

    So, next week:
    At least one NSD
    Going to try selling stuff on Schpock rather than FB selling pages.
    Exercise every day!
    Overpay!
    • poorbutrich
    • By poorbutrich 29th Nov 16, 7:03 PM
    • 1,481 Posts
    • 5,529 Thanks
    poorbutrich
    I've been lurking recently but I seem to do better financially when I actually post!

    I wanted to get a part time supermarket job over Christmas to help OP the mortgage. I have just been informed that I didn't get the job! I am absolutely gutted and wondering where I went wrong (particularly as I actually used to work in that supermarket about 10 years ago!). Serves me right as yesterday I thought it was a done deal when I went into the shop and the woman on the checkout didn't look at me or speak to me during the whole transaction - "I can do better than that" I thought. I can't!

    Better start ebaying some stuff then!
    Overpay!
    • Kittenkirst
    • By Kittenkirst 29th Nov 16, 11:23 PM
    • 1,318 Posts
    • 6,276 Thanks
    Kittenkirst
    Sorry to hear you didn't get the job- did they give you any feedback?
    Emergency savings- 2660 /4000
    Mortgage Oct '16- 170.995 LTV- 90% end date Nov 2041
    2016 OPs 255.50/150
    2017 MFW #20 - OP 1089.67/ 2150. 50%
    Jan- 68.21, Feb- 306.67, March- 272.01 April-324.05 May 118.73
    • poorbutrich
    • By poorbutrich 30th Nov 16, 7:39 AM
    • 1,481 Posts
    • 5,529 Thanks
    poorbutrich
    Sorry to hear you didn't get the job- did they give you any feedback?
    Originally posted by Kittenkirst
    Hi Kittenkirst
    That's really kind of you to post! No, nothing at all!

    I'd better go and find some new ways to obliterate my self confidence today
    Overpay!
    • debtfreeoneday
    • By debtfreeoneday 30th Nov 16, 1:39 PM
    • 2,673 Posts
    • 8,963 Thanks
    debtfreeoneday
    Might be worth asking for some feedback though???
    DFW (08/08) 64,346.53
    CC1 - GONE! ~~~ CC2 - GONE! ~~~ CC3 - 1573.87
    MFW (01/15) 118,031.21 99,179.01 11y8mth to go
    • poorbutrich
    • By poorbutrich 30th Nov 16, 2:47 PM
    • 1,481 Posts
    • 5,529 Thanks
    poorbutrich
    Might be worth asking for some feedback though???
    Originally posted by debtfreeoneday
    Hi there!

    I can't decide whether I want to know or not! I think I'll put it behind me and do more freelance work!

    I've just added some items to sell in the local FB page, so that's taking my mind off things for the moment. Thanks for stopping by though....
    Overpay!
    • poorbutrich
    • By poorbutrich 5th Dec 16, 9:30 PM
    • 1,481 Posts
    • 5,529 Thanks
    poorbutrich
    Right, what Martin-approved activities did we do today?

    1. Leftovers for lunch.
    2. Made chips from potatoes that were on the turn.
    3. Hastily wrote some Christmas cards today to save on stamps (hand delivered by a friend!)
    4. Sold an old bike and other parts on FB.
    5. Reserved books from the library.
    6. Cut up an old tshirt for cloths.
    Overpay!
    • Kittenkirst
    • By Kittenkirst 5th Dec 16, 10:00 PM
    • 1,318 Posts
    • 6,276 Thanks
    Kittenkirst
    Ah PBR that sucks indeed!

    Good working on the MSE approved activities though
    Emergency savings- 2660 /4000
    Mortgage Oct '16- 170.995 LTV- 90% end date Nov 2041
    2016 OPs 255.50/150
    2017 MFW #20 - OP 1089.67/ 2150. 50%
    Jan- 68.21, Feb- 306.67, March- 272.01 April-324.05 May 118.73
    • poorbutrich
    • By poorbutrich 13th Dec 16, 2:19 PM
    • 1,481 Posts
    • 5,529 Thanks
    poorbutrich
    Not much to report in moneysaving world except that I found myself massively overdrawn today -whoops!

    DH and a few of my friends have agreed to sign Martin's No present pact, so that's good...
    Overpay!
    • poorbutrich
    • By poorbutrich 31st Dec 16, 5:48 PM
    • 1,481 Posts
    • 5,529 Thanks
    poorbutrich
    Just logged in to say Happy New Year!

    Good MSE things:

    1. I haven't used the car for a month - tested it this morning and it still seems to work!

    2. Just taken Martin's great advice and returned some Christmas presents to the shop.

    3. A friend went away for New Year so gifted us the perishables from her fridge

    4. Made lots of soup from the turkey leftovers

    I hope you all have a happy and MSE 2017!
    Overpay!
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