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  • FIRST POST
    • newgirly
    • By newgirly 15th Apr 10, 11:02 PM
    • 5,073Posts
    • 35,139Thanks
    newgirly
    Pay off mortgage and start having fun!
    • #1
    • 15th Apr 10, 11:02 PM
    Pay off mortgage and start having fun! 15th Apr 10 at 11:02 PM
    I have been reading other peoples posts for a while,trying to get myself in the right frame of mind to start overpaying on the mortage.DH and I have a house worth about £220,000 with a mortgage of £159,000 although we only paid £120,000 for it (£93,000 mortgage) to start. So as you can see we have been not so great in the past! Last year we also owed about £20,000 on credit cards which is now down to £10,000. I really want to get rid of the mortgage before our youngest turn 18, the twins are nearly 10 now. So any words of encouragement would be great, I need keeping on the straight and narrow.

    Xmas paid for by saving £1 a day minimum in a sealed tin, plus homemade/sale stuff.
    Birthdays now in monthly budget, plus extra vouchers earned

    I am taking part in the earn £2012 in 2012 challenge on the up your income board, so whatever earned from that will be split between op's and holidays fingers crossed.

    Budget from may 2012 onwards:

    income.................2092.00
    child benefit..........188.60
    child tax cr..............0 no longer!
    total....................£2280.60

    mobiles x 2...........32.00
    tv licence..............12.37
    elec/gas................140.00
    water....................60.00
    council tax............125.83
    home insurance.......11.83
    pension..................21.90
    life ins....................15.17
    sky ........................21.00
    car tax....................15.83
    car ins.....................22.00
    car maintenance.........8.33
    petrol.......................60.00

    school dinners............48.00 (1 dinner/1 bacon sarnie each pw)
    pocket money.............20.00
    clothes.......................30.00
    birthdays....................50.00

    grocery.......................250.00
    (food/pets/cleaning)
    DH's money.................100.00
    0%cc ................................32.35
    mortgage interest.........425.00
    mortage overpayment....778.39


    money in: £2280.60
    money out:£2280.60







    This Forum Tip was included in MoneySavingExpert's weekly email

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    Last edited by newgirly; 16-03-2012 at 12:47 PM.
Page 296
    • newgirly
    • By newgirly 18th Sep 16, 10:19 PM
    • 5,073 Posts
    • 35,139 Thanks
    newgirly
    Hi daisy thanks for popping by, it's a job that anyone can train to do but it takes a long time to be good enough for our high end customers (like the queen) - it's very precise and artistic kind of, and dh is the only other person who can do it. The other staff have more broad jobs over different sections. Also the redundancy due would be pretty low.

    You and greent are right about having it pretty good, it's just par for the course I think to sometimes feel a bit sorry for myself so in the spirit of feeling more grateful, here's a list of good things:

    Worry about my health has resulted in more weight loss- a silver lining - almost half way to 3 st target

    Red dwarf is back with a new series

    The house is clean and tidy

    It not hot anymore, soon I can wear onesies from 6pm again

    My hair looks good after its first posh cut in years

    I am getting used to not drinking at all

    24 months left to mf if we don't go bust or spend too much money!
    MFW 21
    Target for 2016 £30,000 \ £72,350.11 paid so far

    Mortgage £63,080 5 yrs 8 months left. Total owed £92,893.96. Fridge fund £0

    Weight loss 2016 - 17.25 lb lost 40lb target
    • greent
    • By greent 19th Sep 16, 7:37 AM
    • 5,023 Posts
    • 50,028 Thanks
    greent
    That's the spirit, ng! - Find the positives!

    xx
    Repaid mortgage early (originally 11/25) Bal 01/09 £124616 01/10 £104927 01/11 £89873 01/12 £76317 01/13 £52546 01/14 £35356 01/15 £12133 07/15 £NIL
    Net sales in 2016 £478.02/£500
    Sept grocery spends ??/ £350 NSDs 6/7
    • pink poppy
    • By pink poppy 19th Sep 16, 3:15 PM
    • 908 Posts
    • 5,443 Thanks
    pink poppy
    What's that saying... you can choose your friends, but you can't choose your family Hopefully whatever it is can be resolved. Have you told them about the scan?? Fingers crossed the results come back ok.

    Love that you're looking for (& finding) the positives in your life
    MFW...
    Caledonia dreamin' ...
    Making it happen...
    • newgirly
    • By newgirly 19th Sep 16, 5:35 PM
    • 5,073 Posts
    • 35,139 Thanks
    newgirly
    H pink poppy thanks family know about the scan, feeling a bit happier today. Ds2 wanted to go to the cinema as he finished college early so I thought why not! "The infiltrator" not bad at all 7.5/10 £5.95 for ds2 as its not meerkat day but well worth it as it cheered me up. So glad I've found some thing at least one of my kids wants to do with me

    Also spent some money on top up shop and bought ds2 a pair of jeans £10 not that sensible when trying to stretch the budget but they never have his size- tall and skinny

    Cash left £ 56.07 + £30.22= £86.29 left

    £30.22 refund due from 02 changing to a sim only contact that will boost the stretch a budget challenge a bit (especially when I seem to be spending it on jeans and cinema tickets instead of food!)
    MFW 21
    Target for 2016 £30,000 \ £72,350.11 paid so far

    Mortgage £63,080 5 yrs 8 months left. Total owed £92,893.96. Fridge fund £0

    Weight loss 2016 - 17.25 lb lost 40lb target
    • newgirly
    • By newgirly 19th Sep 16, 9:42 PM
    • 5,073 Posts
    • 35,139 Thanks
    newgirly
    the breadmaker is alive It's almost finished a big fluffy white packet mix loaf, no idea why but I am very happy and it smells lovely.

    Also made a leftover gammon casserole for the sc tomorrow a roast for tonight for dh and the kids and a few portions of spag Bol sauce. I ran out of energy for my dinner and had a cheese sarnie and a bag of choc orange segments dh bought not low fat like I am trying to stick to but very nice.
    MFW 21
    Target for 2016 £30,000 \ £72,350.11 paid so far

    Mortgage £63,080 5 yrs 8 months left. Total owed £92,893.96. Fridge fund £0

    Weight loss 2016 - 17.25 lb lost 40lb target
    • Moneyfordreams
    • By Moneyfordreams 19th Sep 16, 10:47 PM
    • 520 Posts
    • 2,333 Thanks
    Moneyfordreams
    I too am happy your bread maker is alive... my heart sank when it didnt work...I've not had the chance to try my £5 fleabay buy yay to working breadmakers

    Goo luck with everything else
    Mortgage Feb '13 £200000, end 2038. Aiming for before March 2025 (crunched to 2034)
    January 16 £182800 : minimum £360 OP but needs to be £600 to achieve 2025
    Current mortgage £170870
    Car loan end by September currently £232 overpaying this with extra earnings
    h@lifax CC £5520 0% until May 2018.. will pay minimum for now, slow stooze
    • newgirly
    • By newgirly 20th Sep 16, 6:39 AM
    • 5,073 Posts
    • 35,139 Thanks
    newgirly
    Perfect time of year to start using it now mfd's
    MFW 21
    Target for 2016 £30,000 \ £72,350.11 paid so far

    Mortgage £63,080 5 yrs 8 months left. Total owed £92,893.96. Fridge fund £0

    Weight loss 2016 - 17.25 lb lost 40lb target
    • daisy 1571
    • By daisy 1571 21st Sep 16, 5:33 PM
    • 51 Posts
    • 276 Thanks
    daisy 1571
    Thanks ng, thought it must be something like that.

    Yaay, another red dwarf fan. Did you like the new episode ? Won't say anything in case you've not seen it yet

    Daisy Xx
    The difference between what you were yesterday and what you will be tomorrow is what you do today (I think I got this from MSE forum somewhere. If it was you - thankyou)
    • newgirly
    • By newgirly 21st Sep 16, 7:37 PM
    • 5,073 Posts
    • 35,139 Thanks
    newgirly
    Hi daisy, yes I've seen it and did like it - it seemed in the same vein as some of the early episodes when I love, what did you think?

    Just rang the doctors and he scan results came back normal receptionist said the doctor may want to see me still to follow up but still it's good.

    Off to see Bridget Jones now , I've got 4 adult tickets to treat mum and friends for less than £11
    MFW 21
    Target for 2016 £30,000 \ £72,350.11 paid so far

    Mortgage £63,080 5 yrs 8 months left. Total owed £92,893.96. Fridge fund £0

    Weight loss 2016 - 17.25 lb lost 40lb target
    • Muser1
    • By Muser1 21st Sep 16, 8:24 PM
    • 742 Posts
    • 3,818 Thanks
    Muser1
    Enjoy the film I loved it!
    Mortgage Jan 13 99260.00 aug 16 89712.34
    Emergency fund 2500.00
    • AlexLK
    • By AlexLK 21st Sep 16, 8:50 PM
    • 5,052 Posts
    • 25,345 Thanks
    AlexLK
    Glad to hear you're OK.
    Savings 2016: £9,790.
    £32,000 in debt on 2/9/2013. Debt free on 12/1/2015.
    Saved £11,000 in 2015.

    • XSpender
    • By XSpender 21st Sep 16, 9:08 PM
    • 2,246 Posts
    • 23,540 Thanks
    XSpender
    Good news about the scan results.

    I saw Bridget Jones last night and loved it too
    MFiT #36 Goal £30,000
    2016 mfw #13 £20,000
    Save £12k in 2016 #89 Target £5000
    • pink poppy
    • By pink poppy 21st Sep 16, 10:02 PM
    • 908 Posts
    • 5,443 Thanks
    pink poppy
    Glad to hear the scan came back normal, that's one less thing for you to worry about xx
    MFW...
    Caledonia dreamin' ...
    Making it happen...
    • wantabetterlife
    • By wantabetterlife 21st Sep 16, 10:39 PM
    • 1,204 Posts
    • 5,357 Thanks
    wantabetterlife
    Happy days NG...great news!
    Mortgage £177,750£173242
    Overpayments 2016 £1336.35
    Daily interest £19.91 £19.56
    BUY TO LET MORTGAGE £111408 £109975 £107004
    3.33 % paid
    Savings £970
    • newgirly
    • By newgirly 21st Sep 16, 11:33 PM
    • 5,073 Posts
    • 35,139 Thanks
    newgirly
    Thanks everyone your are very kind it's a relief, just hope I don't have to go back to the doctors. either way I am celebrating this Friday with plenty of wine as its one of the guys at works 50th and we are going to the dogs I was going to drive by its been a rubbish couple of months and I fancy getting a bit drunk. I am expecting dh to pay for this though as I don't have the money and he never coughed up any spending money towards the cruise

    I enjoyed the film, it was packed though huge screen and only a couple of spare seats in the front row - even being shown very 15 mins at our cinema day and night, I've never seen so many women in one place before. I must say I prefer an empty cinema with no popcorn eaters and talkers!
    MFW 21
    Target for 2016 £30,000 \ £72,350.11 paid so far

    Mortgage £63,080 5 yrs 8 months left. Total owed £92,893.96. Fridge fund £0

    Weight loss 2016 - 17.25 lb lost 40lb target
    • Pearla*Merle
    • By Pearla*Merle 22nd Sep 16, 7:37 AM
    • 1,481 Posts
    • 8,543 Thanks
    Pearla*Merle
    I prefer that too, ng

    Glad to hear the scan came back ok xx
    a penny picker upper. every penny's a prisoner!
    £26.65 til OnePoll payout! Round six! | Save £1,001/£15,000
    Normality is a paved road; it's comfortable to walk, but no flowers grow on it.
    Whatever you're meant to do, do it now. The conditions are always impossible.
    The only thing you absolutely have to know, is the location of the library.
    • greent
    • By greent 22nd Sep 16, 8:41 PM
    • 5,023 Posts
    • 50,028 Thanks
    greent
    Glad scan results were ok

    We went to the cinema today to see Bad Moms - only another 4 people were watching it at the same time, so it was great

    x
    Repaid mortgage early (originally 11/25) Bal 01/09 £124616 01/10 £104927 01/11 £89873 01/12 £76317 01/13 £52546 01/14 £35356 01/15 £12133 07/15 £NIL
    Net sales in 2016 £478.02/£500
    Sept grocery spends ??/ £350 NSDs 6/7
    • AlexLK
    • By AlexLK 22nd Sep 16, 11:00 PM
    • 5,052 Posts
    • 25,345 Thanks
    AlexLK
    The dogs? Wow, I didn't know there were any of those places left.
    Savings 2016: £9,790.
    £32,000 in debt on 2/9/2013. Debt free on 12/1/2015.
    Saved £11,000 in 2015.

    • CathT
    • By CathT 23rd Sep 16, 6:38 AM
    • 4,784 Posts
    • 32,812 Thanks
    CathT
    Good to hear the scan results came back OK. Have a good evening, bit of socialising will do you good.
    June 2010 £121,287
    Sept 2016 £85,887
    WIOTW Sept 94,780
    • newgirly
    • By newgirly 23rd Sep 16, 7:35 AM
    • 5,073 Posts
    • 35,139 Thanks
    newgirly
    Hi greent , have not seen bad moms so far , any good?

    Yes Alex the dog tracks are still around although Walthamstow dogs is now blocks of flats (that's where blurs single Parklife was filmed) ŵe uses to go there years ago as our old factory was in Upton Park, now we are in Essex it's a different one, have you ever been to the dogs?

    Hi cath, I shall enjoy and am not driving but getting the bus

    Things to be thankful for this week :

    Boys seem to be settling in well at college

    Dd trying to socialise and has asked a few people out for lunch at uni - she's not shy! Struggling a bit with it as virtually all the students are foreign and have moved to London weeks ago so have bonded earlier, she's persistent and got two girls out for lunch Wednesday

    Dr rang me yesterday, they found a tiny gallstone but it wouldn't cause pain and is nothing worry about, I can go back in he future if I want to for further advice but he sees no reason to and as he scan is clear is not at all concerned. Big relief

    Dh very stressed with work (finished 8pm last night, couldn't sleep so went back at 4am) but coping well with it I think considering.

    I can fit in my smaller black skinny jeans and will wear them tonight, ditto fitting into a size 12 biker jacket

    It's payday
    MFW 21
    Target for 2016 £30,000 \ £72,350.11 paid so far

    Mortgage £63,080 5 yrs 8 months left. Total owed £92,893.96. Fridge fund £0

    Weight loss 2016 - 17.25 lb lost 40lb target
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