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  • FIRST POST
    • newgirly
    • By newgirly 15th Apr 10, 11:02 PM
    • 5,716Posts
    • 39,166Thanks
    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 317
    • newgirly
    • By newgirly 11th Mar 17, 1:24 PM
    • 5,716 Posts
    • 39,166 Thanks
    newgirly
    Oh dear, just checked the cc so far this month and it's not great I've filled the car up, although dh keeps taking it at weekends to work as the van only seats two).

    We booked download festival tickets for the boys for Xmas last year for the Sunday, I had also booked a couple of premier inn rooms nearby for £150 in December. After having a look they are now only £140 for the flexible price , so I've just booked them again and cancelled the first booking. This time I've paid though, filling the cc up to the maximum monthly budget. I'm going to use my birthday money to see us through the rest of this month £160 which will again be tight!

    The garage direct debit has been sent through and if it's the same every month it will be £69, council tax has gone up £4 pm and water £5 pm. I thought I'd have a go at reducing the budget to £565 pm from £600 which will help a bit.
    MFW 21
    Target for 2017 £38,545 / £14,264 paid so far

    Mortgage £48,846 4 years 9 months left. Total owed £66,122 planning to clear in 24 months
    WW target - 29.5 lb start date 11/5/17 so far 10.5lb lost.
    • greent
    • By greent 11th Mar 17, 5:03 PM
    • 6,066 Posts
    • 61,316 Thanks
    greent
    I've never been to Goodwood but it's on my bucket list. I have stayed at the Goodwood Hotel for 6 weeks (Mon-Fri) though - and very nice it was!
    x
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 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
    Next: BTL Mtge 12/16 £69786. 2017 OPs (#18) £4070/£3286
    Net sales 2017 £763.00/£500 PAYDOX17 £10787/£10k Decluttered 1284/2017 items
    • AlexLK
    • By AlexLK 11th Mar 17, 9:29 PM
    • 5,738 Posts
    • 29,618 Thanks
    AlexLK
    Goodwood was great wasn't it, I'd love to go back but it's not easy to get a hotel nearby and not that cheap. I think the car park was the best bit

    Alex, you are so right. On a Sunday you use to regualrly see people out in their classics, now you just don't, even relatively modern classics are getting like gold dust

    I have an empty house today dh, dd and ds2 at work, ds1 gone to Bournemouth to watch football ( worlds worst mother forgot so he has a can of coke to take and no lunch, so will have fast food!) I stayed home yesterday and did the boring stuff like bleaching bathroom grout with a toothbrush - thrilling....

    I'm off to the theatre tonight with dh, hopefully for a late birthday meal too if he gets home from work in time. Dd went to great place yesterday - the cereal killer cafe , looks amazing, she had 'unicorn poop' probably won't have a cereal based dinner tonight though

    No mse stuff to report, currently fighting the urge to buy a new kitchen and or a mini. I shan't though.
    Originally posted by newgirly
    I run mine most days, winter and summer but a fairly reasonable Saturday here and didn't see another classic on my drive out earlier.

    Forget the kitchen and the Mini. Instead, get yourself a nice MGB.

    Cleaning anything other than teeth with a toothbrush is pretty impressive.
    Originally posted by smallholdingsister
    You've clearly never had a car with wire wheels.

    I've never been to Goodwood but it's on my bucket list. I have stayed at the Goodwood Hotel for 6 weeks (Mon-Fri) though - and very nice it was!
    x
    Originally posted by greent
    Definitely go. It is ridiculously expensive, IMO but a brilliant weekend.
    Money saved 2017: £3330. Overpayments 2017: £500.
    Saved £11,000 in 2015, £9,800 in 2016.
    From £32,000 in debt on 2/9/2013 to debt free on 12/1/2015.
    • newgirly
    • By newgirly 12th Mar 17, 1:06 AM
    • 5,716 Posts
    • 39,166 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 2017 £38,545 / £14,264 paid so far

    Mortgage £48,846 4 years 9 months left. Total owed £66,122 planning to clear in 24 months
    WW target - 29.5 lb start date 11/5/17 so far 10.5lb lost.
    • newgirly
    • By newgirly 12th Mar 17, 8:55 AM
    • 5,716 Posts
    • 39,166 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 2017 £38,545 / £14,264 paid so far

    Mortgage £48,846 4 years 9 months left. Total owed £66,122 planning to clear in 24 months
    WW target - 29.5 lb start date 11/5/17 so far 10.5lb lost.
    • Kittenkirst
    • By Kittenkirst 12th Mar 17, 12:15 PM
    • 1,510 Posts
    • 7,681 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
    Emergency savings- £3750.96 /£6000
    Mortgage Oct '16- £170.995 LTV- 90% end date Nov 2041
    2016 OPs £255.50/£150
    2017 MFW #20 - OP £1601.62/ £2150. 74%
    Jan- £68.21, Feb- £306.67, March- £272.01 April-£324.05 May £120.33 June £279.15 July: £172.36 Aug: £61.52
    • greent
    • By greent 12th Mar 17, 12:34 PM
    • 6,066 Posts
    • 61,316 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) 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
    Next: BTL Mtge 12/16 £69786. 2017 OPs (#18) £4070/£3286
    Net sales 2017 £763.00/£500 PAYDOX17 £10787/£10k Decluttered 1284/2017 items
    • newgirly
    • By newgirly 12th Mar 17, 12:53 PM
    • 5,716 Posts
    • 39,166 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 2017 £38,545 / £14,264 paid so far

    Mortgage £48,846 4 years 9 months left. Total owed £66,122 planning to clear in 24 months
    WW target - 29.5 lb start date 11/5/17 so far 10.5lb lost.
    • AlexLK
    • By AlexLK 12th Mar 17, 10:39 PM
    • 5,738 Posts
    • 29,618 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.
    Money saved 2017: £3330. Overpayments 2017: £500.
    Saved £11,000 in 2015, £9,800 in 2016.
    From £32,000 in debt on 2/9/2013 to debt free on 12/1/2015.
    • newgirly
    • By newgirly 13th Mar 17, 10:21 PM
    • 5,716 Posts
    • 39,166 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 2017 £38,545 / £14,264 paid so far

    Mortgage £48,846 4 years 9 months left. Total owed £66,122 planning to clear in 24 months
    WW target - 29.5 lb start date 11/5/17 so far 10.5lb lost.
    • themadvix
    • By themadvix 14th Mar 17, 9:13 AM
    • 949 Posts
    • 4,884 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 = £2603/£10000
    S&S ISA = £300/£600
    OPs made 2016 = £6142.12
    Starting balance 2012: £132000; balance June 2017: £99,974
    MFW2017 no. 38
    • newgirly
    • By newgirly 16th Mar 17, 7:19 AM
    • 5,716 Posts
    • 39,166 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 2017 £38,545 / £14,264 paid so far

    Mortgage £48,846 4 years 9 months left. Total owed £66,122 planning to clear in 24 months
    WW target - 29.5 lb start date 11/5/17 so far 10.5lb lost.
    • themadvix
    • By themadvix 16th Mar 17, 9:02 AM
    • 949 Posts
    • 4,884 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 = £2603/£10000
    S&S ISA = £300/£600
    OPs made 2016 = £6142.12
    Starting balance 2012: £132000; balance June 2017: £99,974
    MFW2017 no. 38
    • CathT
    • By CathT 16th Mar 17, 5:18 PM
    • 5,257 Posts
    • 36,028 Thanks
    CathT
    Hope all went ok at the doctors.
    August 2017 -
    part 1 - £81,002
    part 2 - £46,583
    Total - £127,585
    • newgirly
    • By newgirly 16th Mar 17, 7:13 PM
    • 5,716 Posts
    • 39,166 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 2017 £38,545 / £14,264 paid so far

    Mortgage £48,846 4 years 9 months left. Total owed £66,122 planning to clear in 24 months
    WW target - 29.5 lb start date 11/5/17 so far 10.5lb lost.
    • newgirly
    • By newgirly 17th Mar 17, 7:04 AM
    • 5,716 Posts
    • 39,166 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 2017 £38,545 / £14,264 paid so far

    Mortgage £48,846 4 years 9 months left. Total owed £66,122 planning to clear in 24 months
    WW target - 29.5 lb start date 11/5/17 so far 10.5lb lost.
    • TheFreeWife
    • By TheFreeWife 17th Mar 17, 8:19 AM
    • 22 Posts
    • 69 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
    • 5,716 Posts
    • 39,166 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 2017 £38,545 / £14,264 paid so far

    Mortgage £48,846 4 years 9 months left. Total owed £66,122 planning to clear in 24 months
    WW target - 29.5 lb start date 11/5/17 so far 10.5lb lost.
    • newgirly
    • By newgirly 17th Mar 17, 8:10 PM
    • 5,716 Posts
    • 39,166 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 2017 £38,545 / £14,264 paid so far

    Mortgage £48,846 4 years 9 months left. Total owed £66,122 planning to clear in 24 months
    WW target - 29.5 lb start date 11/5/17 so far 10.5lb lost.
    • AlexLK
    • By AlexLK 17th Mar 17, 9:23 PM
    • 5,738 Posts
    • 29,618 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.
    Money saved 2017: £3330. Overpayments 2017: £500.
    Saved £11,000 in 2015, £9,800 in 2016.
    From £32,000 in debt on 2/9/2013 to debt free on 12/1/2015.
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