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  • FIRST POST
    • newgirly
    • By newgirly 15th Apr 10, 11:02 PM
    • 6,108Posts
    • 42,193Thanks
    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







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    Last edited by newgirly; 16-03-2012 at 12:47 PM.
Page 316
    • newgirly
    • By newgirly 12th Mar 17, 1:06 AM
    • 6,108 Posts
    • 42,193 Thanks
    newgirly
    6 weeks in a hotel !!! Sounds like heaven

    Thanks for the advice Alex (your advice should come with a government warning ) I would prefer another midget to a b, more fun to drive, alhough the correct answer would be all money is to be paid off the mortgage first, that's why we are here after all.

    Shattered after a long night out, we saw the mousetrap which was ok.... bit gutted dh spent so much on tickets when cheap seats would have done, we missed dinner before as it was too late so ended up in pizza express Leicester Square eating at gone 11pm , then the vomit comet home where we ended up in the carriage with the toilet in although it was quite funny as a drunk bloke walked out moaning that he was like that episode of the inbetweeners when Simon swaps his shoes with a tramp and they stink gave half the carriage the giggles.

    Tradgedy of the night was my boots are ruined, only bought a month ago online and bits of them are peeling off, I am praying that they can be returned as they were £80 and they are the ones I can't live without. (This was however not connected to the toilet cubicle incident )
    MFW 21
    Target for 2018 £40k/£3769.26 paid so far

    Mortgage £43,856 4yrs 4 mths left. Total owed £58,228.74 planning to clear in 15 months
    Weight loss target 2018- 21lb /5 lb lost
    • newgirly
    • By newgirly 12th Mar 17, 8:55 AM
    • 6,108 Posts
    • 42,193 Thanks
    newgirly
    Gosh I needed that lie in

    Today's to do list:

    Do some work from home for dh

    Try and locate something smart to wear for a business meeting for a possible new client, dh wants me to go with him this week. Don't actually think I have anything suitable, Dd has loads but is a size 6-8 so that's a no go

    Cook a roast

    Cook some more tarka dahl

    Do even more washing

    Watch bates motel, still not seen last Mondays episode

    Buy milk

    Go to cinema to see kong if dh comes home early and is not too tired.

    Change our bed sheets , the rest of the house is already done but mine HAVE to be done on a Sunday

    Email eBay seller about dodgy boots
    MFW 21
    Target for 2018 £40k/£3769.26 paid so far

    Mortgage £43,856 4yrs 4 mths left. Total owed £58,228.74 planning to clear in 15 months
    Weight loss target 2018- 21lb /5 lb lost
    • Kittenkirst
    • By Kittenkirst 12th Mar 17, 12:15 PM
    • 1,754 Posts
    • 9,405 Thanks
    Kittenkirst
    Hope that you are driving through your to do list NewGirly!

    I'm quite behind on Bates Motel but really enjoying it.

    PS I hope the dhal and the roast aren't both for supper today? Although that does sound like my dream day ;P
    2018 MFW #20 - OP £669.60/ £3000 22% Jan: £417.42 Feb: £252.18

    Emergency fund £4K/ £6k
    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    Overpayments 2016 £255.50 2017 £2600.40
    • greent
    • By greent 12th Mar 17, 12:34 PM
    • 6,679 Posts
    • 68,761 Thanks
    greent
    I seem to remember you invested in a navy/ red/ cream capsule wardrobe a while back, ng? - could any of that be pulled together for the business meeting?

    Hope you can get the boots sorted with the bay seller

    And the Goodwood hotel was lovely - but as it was for business it wasn't quite the same as if it had been for pleasure. That year I spent 33 weeks in hotels around the country with work (and had 8 weeks equivalent of holiday (otherwise known as technically being on call for part of it but in reality we had free extra holiday)). Of the 11 weeks home, most of those were a 2hr commute each way to work. I don't miss those days at all!!
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/10 £104927 01/11 £89873 01/12 £76317 01/13 £52546 01/14 £35356 01/15 £12133 07/15 £NIL
    BTL Mtge 12/16 £69786. 2018 OPs (#18) £36.39/£4000
    Net sales 2018 £20.45/£1000 PAYDOX18 (#15) £1429.16/£18694.38 Decluttered 273/2018 items
    • newgirly
    • By newgirly 12th Mar 17, 12:53 PM
    • 6,108 Posts
    • 42,193 Thanks
    newgirly
    Hi kittenkirst, Dahl is for during the week and the roast is no spatchcock chicken and jacket spuds, not that exciting! If you like bates (this last series is getting really good!) then have you seen Hannibal? I absolutely love that although sadly there were only three series of it

    Hi greent, the capsule wardrobe was casual unfortunately, I might need to buy something unless I can wriggle out of going 33 weeks in a hotel , wow I wouldn't be the size of a house with all those lovely cooked breakfasts

    Curry and dinner cooked , boots photographed and emailed, half the washing done.
    MFW 21
    Target for 2018 £40k/£3769.26 paid so far

    Mortgage £43,856 4yrs 4 mths left. Total owed £58,228.74 planning to clear in 15 months
    Weight loss target 2018- 21lb /5 lb lost
    • AlexLK
    • By AlexLK 12th Mar 17, 10:39 PM
    • 5,967 Posts
    • 31,445 Thanks
    AlexLK
    If you wait until the mortgage is gone and put all the OP money into cars, you'll have some really nice ones within a couple of years.

    As for Midgets, they are a fun drive but if you're going for something tiny, a GT6 is even more fun. MGBs are better tourers. I can't personally get excited about Minis, though.
    2018 totals:
    Savings £4568.77
    Mortgage Overpayments £250

    Saved £11,000 in 2015, £9,800 in 2016.
    From a £32,000 debt on 2/9/2013 to debt free on 12/1/2015.
    • newgirly
    • By newgirly 13th Mar 17, 10:21 PM
    • 6,108 Posts
    • 42,193 Thanks
    newgirly
    Think a gt6 is a bit pricey in comparison though! Shame on you dismissing minis Alex, it's not possible to drive one without a big grin on your face

    eBay woes today, the shoe seller has offered me a £10 partrial refund of an £80 pair of new boots which I wore once and all the stuff peeled off the side of them! Apparently they won't replace as they are worn and it's over 30 days. It's the same seller I'm about to return another pair to I just bought , so I might get those back first before getting stuck in.

    Went to work, now very very tired.
    MFW 21
    Target for 2018 £40k/£3769.26 paid so far

    Mortgage £43,856 4yrs 4 mths left. Total owed £58,228.74 planning to clear in 15 months
    Weight loss target 2018- 21lb /5 lb lost
    • themadvix
    • By themadvix 14th Mar 17, 9:13 AM
    • 1,336 Posts
    • 8,016 Thanks
    themadvix
    Hope you enjoyed the Mousetrap NG - we saw it last year and thought it was great! Would agree that you don't need fancy seats though.

    That's rubbish about the ebay seller - if they're in the UK they're definitely in breach of their contract if they don't give you a full refund as they're not fit for purpose! Fingers crossed you have more success once the others have been processed.

    (Agree about the minis, but I guess Alex just has more refined tastes! )
    OPs 2017 = £3103
    S&S ISA 2017 = £626
    OPs 2016 = £6142.12
    Starting balance 2012: £132000; balance Dec 2017: £96,822
    MFW2017 no. 38
    • newgirly
    • By newgirly 16th Mar 17, 7:19 AM
    • 6,108 Posts
    • 42,193 Thanks
    newgirly
    Another hectic week, I've done lots of extra hours at work and more just keeps coming in, it's a good place to be yet a bit tiring!

    Dd is off to butlins at the weekend with her boyfriend and his dd and the poor guys car broke down last night, my dad is coming to take a look this morning but otherwise it needs towing to a garage, so I said he can borrow our car, he's in a bit of a panic about how much it might cost though.

    I'm Slightly worried as I tried booking to the see the nurse for something minor and was told I need an emergency doctors appointment today, supposed to be seeing my friend today too its been a stressful week all round really, if all goes well I shall get myself a treat today

    eBay woman is not relenting, now she has upped her partial refund to £15, she has had lots of customers "abusing her returns policy" and I probably scuffed them on a night out (they are not scuffed anyway) she has acknowledged I'm sending the second pair back as they didn't fit and was ok with that, so when I get a refund I will contact eBay re the faulty pair I guess. Why I would buy shoes, ruin them in a couple of weeks and then ask for a replacement not a refund as a scam ? I really don't know.

    On a more positive note it I see still lovely and sunny here in Essex, fingers crossed it lasts a while longer
    MFW 21
    Target for 2018 £40k/£3769.26 paid so far

    Mortgage £43,856 4yrs 4 mths left. Total owed £58,228.74 planning to clear in 15 months
    Weight loss target 2018- 21lb /5 lb lost
    • themadvix
    • By themadvix 16th Mar 17, 9:02 AM
    • 1,336 Posts
    • 8,016 Thanks
    themadvix
    Hope docs isn't anything to worry about NG!

    Stupid Ebay woman!! Hope DD's BF's car isn't too expensive to fix and they have a good weekend!
    OPs 2017 = £3103
    S&S ISA 2017 = £626
    OPs 2016 = £6142.12
    Starting balance 2012: £132000; balance Dec 2017: £96,822
    MFW2017 no. 38
    • CathT
    • By CathT 16th Mar 17, 5:18 PM
    • 5,419 Posts
    • 37,961 Thanks
    CathT
    Hope all went ok at the doctors.
    Feb 2018 -
    part 1 - £78,989
    part 2 - £45,748
    Total - £124,737
    • newgirly
    • By newgirly 16th Mar 17, 7:13 PM
    • 6,108 Posts
    • 42,193 Thanks
    newgirly
    Thanks guys, doctors was ok, a minor problem that will take a while to hopefully clear up, but not life threatening even if I thought it was

    I have had an unplanned splurge to celebrate, bright pink patterned bed throw , sheets , duvet covers and a cushion from primarni plus a Star Wars nightie not sure what will happen to the budget and I don't much care today.

    Also bought wine which I have just poured and am having avocado on toast for dinner, all in all a good day
    MFW 21
    Target for 2018 £40k/£3769.26 paid so far

    Mortgage £43,856 4yrs 4 mths left. Total owed £58,228.74 planning to clear in 15 months
    Weight loss target 2018- 21lb /5 lb lost
    • newgirly
    • By newgirly 17th Mar 17, 7:04 AM
    • 6,108 Posts
    • 42,193 Thanks
    newgirly
    Day off today, I need to clean the car out and get some oil as dds boyfriend will borrow it for the weekend as they are away and his is being repaired.

    I'm hoping to see beauty and the beast this morning as it will be very busy for weeks judging by the booking page. Ds2 has the day off college today so it's good timing.
    MFW 21
    Target for 2018 £40k/£3769.26 paid so far

    Mortgage £43,856 4yrs 4 mths left. Total owed £58,228.74 planning to clear in 15 months
    Weight loss target 2018- 21lb /5 lb lost
    • TheFreeWife
    • By TheFreeWife 17th Mar 17, 8:19 AM
    • 3 Posts
    • 72 Thanks
    TheFreeWife
    I'm hoping to see beauty and the beast this morning as it will be very busy for weeks judging by the booking page.
    Originally posted by newgirly
    That's my plan for the morning also. I'm anticipating tears; either because I love it so much (it's my favourite Disney movie) or because they've ruined it. Hoping for the former!
    • newgirly
    • By newgirly 17th Mar 17, 9:28 AM
    • 6,108 Posts
    • 42,193 Thanks
    newgirly
    I know what you mean, fingers crossed! I'm also a fan of the George c. Scott version - probably I'm showing my age though
    MFW 21
    Target for 2018 £40k/£3769.26 paid so far

    Mortgage £43,856 4yrs 4 mths left. Total owed £58,228.74 planning to clear in 15 months
    Weight loss target 2018- 21lb /5 lb lost
    • newgirly
    • By newgirly 17th Mar 17, 8:10 PM
    • 6,108 Posts
    • 42,193 Thanks
    newgirly
    Hope you enjoyed it the free wife we did Dd started crying as he opening titles started and I joined in a while after

    Dd and boyfriend are now away for the weekend, I was looking forward to a relaxing weekend and I have somehow agreed to let ds2 have 4 friends stay over tomorrow night for a mini party not sure they will fit in his bedroom so they will probably take over the living room. I might escape to the cinema for some of the evening.

    Dh at work still and not due back for a while yet, I think the only way to stop him working is lock him up or book a holiday.....
    MFW 21
    Target for 2018 £40k/£3769.26 paid so far

    Mortgage £43,856 4yrs 4 mths left. Total owed £58,228.74 planning to clear in 15 months
    Weight loss target 2018- 21lb /5 lb lost
    • AlexLK
    • By AlexLK 17th Mar 17, 9:23 PM
    • 5,967 Posts
    • 31,445 Thanks
    AlexLK
    Re. your son having 4 friends over for a mini-party. I hope I'm that chilled about the idea of such things when my son is that age or lending a car to my son's girlfriend if her's was broken. When I were 19/20 I wouldn't have dared bring a girlfriend home for dinner. However much I'd like to be that chilled, I can see me turning into my father when such occasions arise. Not good, nor the way to handle it, really.

    Your children are VERY lucky.
    2018 totals:
    Savings £4568.77
    Mortgage Overpayments £250

    Saved £11,000 in 2015, £9,800 in 2016.
    From a £32,000 debt on 2/9/2013 to debt free on 12/1/2015.
    • newgirly
    • By newgirly 17th Mar 17, 11:01 PM
    • 6,108 Posts
    • 42,193 Thanks
    newgirly
    Ha ha I may have agreed to these things Alex, it doesn't stop me moaning about them though

    Luckily both the boyfriend and the friends are quite normal and likeable, if not the situation may be a bit different

    Dh came home at 9.35 tonight after a 6.30 start, sometimes It's ok as he's trying to make he business work, other times I just feel very cross that hes not here again. Tonight is the latter
    MFW 21
    Target for 2018 £40k/£3769.26 paid so far

    Mortgage £43,856 4yrs 4 mths left. Total owed £58,228.74 planning to clear in 15 months
    Weight loss target 2018- 21lb /5 lb lost
    • newgirly
    • By newgirly 19th Mar 17, 8:39 AM
    • 6,108 Posts
    • 42,193 Thanks
    newgirly
    I think your parents had the right idea about the friend's over Alex

    We escaped round the corner for a curry (cheap as dh knows them well and we had a free bottle of wine ) and returned to some quite drunk teenagers who had been playing FIFA shots, it appears ds1 is not too good at it judging by the state of him.

    I'm trying to look on the bright side, we did have about 8 of them but they - as requested looked after my coffee table and all the drinks were on coasters plus the loud music we came home to was queen and the Beatles, I do prefer a drunken teenage party with taste.

    Dh is suffering most as he has just done to work alone as they both can't get out of bed, I am pondering their penance at the moment.....
    MFW 21
    Target for 2018 £40k/£3769.26 paid so far

    Mortgage £43,856 4yrs 4 mths left. Total owed £58,228.74 planning to clear in 15 months
    Weight loss target 2018- 21lb /5 lb lost
    • newgirly
    • By newgirly 19th Mar 17, 2:52 PM
    • 6,108 Posts
    • 42,193 Thanks
    newgirly
    Managed to drop one off at work today, and got both of them cleaning and hoovering first thing.

    I've gone and spent £40 at tesc* on the way back from dropping ds2 at work, £12 on an unessesary but pretty hanging basket for the front. I did get 6 tubs of frozen Greek yoghurt and 6 tubs of chocolate and strawberry ice cream for 19p a tub so it's not all bad

    I'm taking back all the new bed stuff I bought last week for a refund, I spent a few hours clearing clothes from the loft space and found a pretty bed throw that I've washed and am going to use instead. The 6 bags of clothes will go to cash for clothes when I get time.
    MFW 21
    Target for 2018 £40k/£3769.26 paid so far

    Mortgage £43,856 4yrs 4 mths left. Total owed £58,228.74 planning to clear in 15 months
    Weight loss target 2018- 21lb /5 lb lost
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