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  • FIRST POST
    • newgirly
    • By newgirly 15th Apr 10, 10:02 PM
    • 5,497Posts
    • 37,533Thanks
    newgirly
    Pay off mortgage and start having fun!
    • #1
    • 15th Apr 10, 10:02 PM
    Pay off mortgage and start having fun! 15th Apr 10 at 10:02 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 11:47 AM.
Page 318
    • newgirly
    • By newgirly 17th Mar 17, 10:01 PM
    • 5,497 Posts
    • 37,533 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 2017 £38,545 / £6,135 paid so far

    Mortgage £53,630 5 yrs 2 months left. Total owed £74,251 planning to clear in 18 months
    Weight loss target 2017 28lb target /1.5
    • newgirly
    • By newgirly 19th Mar 17, 7:39 AM
    • 5,497 Posts
    • 37,533 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 2017 £38,545 / £6,135 paid so far

    Mortgage £53,630 5 yrs 2 months left. Total owed £74,251 planning to clear in 18 months
    Weight loss target 2017 28lb target /1.5
    • newgirly
    • By newgirly 19th Mar 17, 1:52 PM
    • 5,497 Posts
    • 37,533 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 2017 £38,545 / £6,135 paid so far

    Mortgage £53,630 5 yrs 2 months left. Total owed £74,251 planning to clear in 18 months
    Weight loss target 2017 28lb target /1.5
    • AlexLK
    • By AlexLK 19th Mar 17, 7:54 PM
    • 5,480 Posts
    • 28,033 Thanks
    AlexLK
    Re. the sleepover.
    Savings 2017: £1390. 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 20th Mar 17, 6:53 AM
    • 5,497 Posts
    • 37,533 Thanks
    newgirly
    Aims for today:

    Not going to work to do an extra day like last week, probably should be so will work extra later in the week.

    Taking my aunt to see beauty and he beast as she has nobody to go with and only comes over on Mondays

    Taking bedding back for a refund

    Changing bed sheets everywhere (just at my house obviously )

    Do aunt lunch and pick up ds2 to come to the cinema

    Do all washing

    Check accounts


    I've had a message from fleabay last Thursday saying the (second non faulty) pair of boots was refunded to PayPal, I paid my cc through PayPal and it's not showing on PayPal or the bank yet, not sure how long this is supposed to take but I would have thought it would show in PayPal straight away?

    First pair she won't budge on on so I have to find out how to report it to flea bay , I've never done that before.
    MFW 21
    Target for 2017 £38,545 / £6,135 paid so far

    Mortgage £53,630 5 yrs 2 months left. Total owed £74,251 planning to clear in 18 months
    Weight loss target 2017 28lb target /1.5
    • greent
    • By greent 20th Mar 17, 10:54 AM
    • 5,602 Posts
    • 56,672 Thanks
    greent
    fleebay's money back guarantee is for 30 days. Definitely still worth contacting them if your fleebay seller is a business seller as I believe that your purchase is covered under Consumer Rights Act 2015:
    What the consumer can expect (statutory rights)
    Under the Consumer Rights Act 2015, certain standards apply to every transaction for the sale and supply of goods (including hire purchase, hire, part exchange and contracts for work and materials).
    The person transferring or selling the goods must have the right to do so and the goods must:
    be of a satisfactory quality. Goods must be of a standard that a reasonable person would regard as satisfactory. Quality is a general term, which covers a number of matters including:
    - fitness for all the purposes for which goods of that kind are usually supplied
    - appearance and finish
    - freedom from minor defects
    - safety
    - durability
    In assessing quality, all relevant circumstances must be considered, including price, description and your or the manufacturer's advertising
    be fit for a particular purpose. When a consumer indicates that goods are required for a particular purpose, or where it is obvious that goods are intended for a particular purpose and a trader supplies them to meet that requirement, the goods should be fit for that specified purpose
    match the description, sample or model. When a consumer relies on a description, sample or display model the goods supplied must conform to it. If the goods do not conform, an offence may have been committed
    be installed correctly, where installation has been agreed as part of the contract

    Remedy for breach

    The short-term right to reject
    If, when they are supplied, the goods do not meet the requirements above, there is a short period during which the consumer is entitled to reject them. This short-term right to reject goods lasts for 30 days unless the expected life of the goods is shorter, as with highly perishable goods. The right does not apply in cases where the only breach relates to an incorrect installation of goods.
    If the consumer asks for repair or replacement during this initial 30-day period, the period is paused so that the consumer has the remainder of the 30-day period, or seven days (whichever is longer) to check whether the repair or replacement has been successful and to decide whether to reject the goods.
    When a consumer rejects goods he can claim a refund. This would be a full refund or, in the case of hire, a refund for any part of the hire that was paid for but not supplied. He is also released from all his outstanding obligations under the contract - for example, the outstanding instalments in a contract of hire purchase. A refund must be given without undue delay and in any event within 14 days of the trader agreeing that the consumer is entitled to a refund.
    The trader is responsible for the reasonable cost of returning the goods except where the consumer is returning them to the place where he took possession of them - for example, the retail shop where he bought them. However, the consumer is not required to return the goods to this place unless this was agreed from the outset as part of the contract. Even if the consumer returns goods to the shop, he may in some circumstances be able to claim some or all of that cost from the trader - for example, where a motor vehicle breaks down and the consumer has to pay for a recovery service to return it.

    Repair or replacement
    When there is a breach of contract, but the consumer has lost or chooses not to exercise his right to reject goods, he will be entitled in the first instance to claim a repair or replacement.
    Where a repair or replacement is claimed, the trader must do this at no cost to the consumer, within a reasonable time and without causing significant inconvenience.
    The consumer cannot choose one of these remedies above the other if the chosen remedy is either impossible or disproportionate as compared to the other remedy. Also, once the consumer has chosen a remedy, he must give the trader a reasonable time to provide that remedy.
    The remedies fail if, after just one attempt at repair or replacement, the goods still do not meet the necessary requirements. The consumer does not have to give the trader multiple opportunities to repair or replace, although he can do so if he wishes. The remedies also fail if they are not provided within a reasonable time and without causing significant inconvenience to the consumer.
    In either case where repair or replacement fail, the consumer is entitled to further repairs or replacements or he can claim a price reduction or the right to reject. The same rule applies if both repair and replacement are impossible or disproportionate from the outset.

    Price reduction & the final right to reject
    If repair or replacement is not available or is unsuccessful, or is not provided within a reasonable time and without significant inconvenience to the consumer, then the consumer can claim a price reduction or reject the goods.
    Where repair or replacement fail, are not available, or were not provided within a reasonable time and without causing significant inconvenience to the consumer, the consumer chooses whether to keep the goods or return them. If he keeps the goods, then his claim will be for a reduction in price; if he returns them, he is rejecting them.
    A price reduction must be an appropriate amount, which will depend on all the circumstances of the claim. It can be any amount up to the whole price.
    If the consumer rejects the goods, then he is entitled to a refund. This refund may be reduced to take account of any use the consumer has had from the goods. However, no deduction can be made for the consumer having the goods simply because the trader has delayed in collecting them. Nor can a deduction be made where goods are rejected within six months of supply, except where the goods are a motor vehicle.

    long winded - MArtin has a helpful handy short print out on here somewhere which sums it up much better!
    x
    Repaid mtge 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
    Next up: BTL Mtge. Op Bal £69786. Cur Bal £68286 - 2017 target £0/£3286
    Net sales 2017 £368.68/£500 PAYDOX17 £6558/£10k Mar GC £355.16/£400 NSD 14 Decluttered 455/2017 items
    • greent
    • By greent 20th Mar 17, 10:56 AM
    • 5,602 Posts
    • 56,672 Thanks
    greent
    here it is: http://www.moneysavingexpert.com/shopping/consumer-rights-wallet-print
    Repaid mtge 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
    Next up: BTL Mtge. Op Bal £69786. Cur Bal £68286 - 2017 target £0/£3286
    Net sales 2017 £368.68/£500 PAYDOX17 £6558/£10k Mar GC £355.16/£400 NSD 14 Decluttered 455/2017 items
    • newgirly
    • By newgirly 20th Mar 17, 12:41 PM
    • 5,497 Posts
    • 37,533 Thanks
    newgirly
    That's very kind greent thank you

    It's worth asking fleabay, just I shame I didn't wear them before the 30 days , although the seller probably wouldn't have accepted them still as they are worn.

    Took back the bedding today and also the old clothes and got £20.70 for those. Stopped off at l*dl and bought £16 worth of meat/fish bits and bobs for this week.

    Off to the cinema soon, have probably upset my aunt as I got her a senior ticket as she just turned 60 - she won't be impressed as she thinks she's still about 20
    MFW 21
    Target for 2017 £38,545 / £6,135 paid so far

    Mortgage £53,630 5 yrs 2 months left. Total owed £74,251 planning to clear in 18 months
    Weight loss target 2017 28lb target /1.5
    • AlexLK
    • By AlexLK 20th Mar 17, 3:54 PM
    • 5,480 Posts
    • 28,033 Thanks
    AlexLK
    I believe you can claim through paypal long after the 30 day ebay limit if the goods are faulty.
    Savings 2017: £1390. 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.
    • greent
    • By greent 20th Mar 17, 6:22 PM
    • 5,602 Posts
    • 56,672 Thanks
    greent
    If the seller is a business seller then the Consumer Rights Act means the onus is upon them in the first 6 months to prove that the goods weren't faulty at the time of purchase (looking ok does not mean the boots weren't faulty - if they peeled after 1 wear then they are not fit for purpose) (are they genuine IC ones?)
    x
    Repaid mtge 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
    Next up: BTL Mtge. Op Bal £69786. Cur Bal £68286 - 2017 target £0/£3286
    Net sales 2017 £368.68/£500 PAYDOX17 £6558/£10k Mar GC £355.16/£400 NSD 14 Decluttered 455/2017 items
    • newgirly
    • By newgirly 20th Mar 17, 7:15 PM
    • 5,497 Posts
    • 37,533 Thanks
    newgirly
    They looked the same as he last pair I had but different coloured lining, they do tend to change their colours a lot, if they were copies they I couldn't tell.

    I've just spoken to eBay on the phone (I know a bit old school ) the put me through to PayPal , but it's over 45 days now (46 - typical) so I've had to do it online. To start I send a message to the seller again via PayPal. Worse part is I can't find these exact boots anywhere else on sale even if it does get resolved
    MFW 21
    Target for 2017 £38,545 / £6,135 paid so far

    Mortgage £53,630 5 yrs 2 months left. Total owed £74,251 planning to clear in 18 months
    Weight loss target 2017 28lb target /1.5
    • gallygirl
    • By gallygirl 20th Mar 17, 7:59 PM
    • 16,267 Posts
    • 106,428 Thanks
    gallygirl
    I had a flying visit back to the UK last week NG and wandered into an IC shop. Oh my . Almost as good as a tumble drier with internal light .
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    Mortgage Balance = £0
    "Do what others won't early in life so you can do what others can't later in life"
    • newgirly
    • By newgirly 20th Mar 17, 9:09 PM
    • 5,497 Posts
    • 37,533 Thanks
    newgirly
    Oh wow, never been in an actual store yet, did you buy any? or were you too busy hurrying along to c*rrys to admire the tumble dryers with lights
    MFW 21
    Target for 2017 £38,545 / £6,135 paid so far

    Mortgage £53,630 5 yrs 2 months left. Total owed £74,251 planning to clear in 18 months
    Weight loss target 2017 28lb target /1.5
    • newgirly
    • By newgirly 21st Mar 17, 5:43 AM
    • 5,497 Posts
    • 37,533 Thanks
    newgirly
    It's day one of my 15 week get healthy and lose weight target

    Things have slid on that front after a flourish in the new year, I have put on and then lost weight and a few times and am hovering at the same weight still

    I thought a diary might help as it's worked for the financial side of things, it will at least force me to think about what effort I'm putting in, I've posted on on the health board not expecting much response, but it's for me to actually do something

    I'll post my food and any excercise (it will be mostly a food diary ) and track weight loss, 15 weeks is slightly under 2lb a week for a 28lb target so should be doable.

    Im fed up with seeing clothes I like but knowing I want to buy them in the size I want to be not the size I am, I have a few lovely fifties style dresses I bought last year ready for,when I lost weight - they have not been worn! This summmer they will be

    Plus it will give me something to do except constantly stressing about sticking to a tight budget, being mf in less than two years is such a fantastic thought, but if I could be healthier and a bit smaller it really would be a dream come true - plus I could afford many more dresses
    MFW 21
    Target for 2017 £38,545 / £6,135 paid so far

    Mortgage £53,630 5 yrs 2 months left. Total owed £74,251 planning to clear in 18 months
    Weight loss target 2017 28lb target /1.5
    • Moneyfordreams
    • By Moneyfordreams 21st Mar 17, 7:00 AM
    • 732 Posts
    • 3,468 Thanks
    Moneyfordreams
    I too keep juggling with 2 stone weight... I recently taken off 12lbs with SW, but have fallen off the wagon and gained 2lb have 21lb more to get to were I think I may like (was there 3 years ago )

    Today is a new day and the sun is shining
    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 £164000
    Car loan finished oct 16
    h@lifax CC £5000 0% until May 2018.. will pay minimum for now, slow stooze
    xmas, chairs, hoover, computer and holiday cc
    • newgirly
    • By newgirly 21st Mar 17, 3:36 PM
    • 5,497 Posts
    • 37,533 Thanks
    newgirly
    Best of luck with that moneyfordreams, why do we work so hard losing weight and then let it creep back on

    Not sure I will bother keeping a diary on the health board, I've already had a bit of a hammering as I should'nt wear Lycra when overweight

    Ive just made some spinach and leek veggie bean burgers for dinner, day one sorted
    MFW 21
    Target for 2017 £38,545 / £6,135 paid so far

    Mortgage £53,630 5 yrs 2 months left. Total owed £74,251 planning to clear in 18 months
    Weight loss target 2017 28lb target /1.5
    • AlexLK
    • By AlexLK 21st Mar 17, 4:36 PM
    • 5,480 Posts
    • 28,033 Thanks
    AlexLK
    Do you plan your meals and stick to the plan?
    Savings 2017: £1390. 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 21st Mar 17, 5:03 PM
    • 5,497 Posts
    • 37,533 Thanks
    newgirly
    Occasionally, usually I plan the kids and dhs meals and I have a salad, then some toast later.......
    MFW 21
    Target for 2017 £38,545 / £6,135 paid so far

    Mortgage £53,630 5 yrs 2 months left. Total owed £74,251 planning to clear in 18 months
    Weight loss target 2017 28lb target /1.5
    • newgirly
    • By newgirly 21st Mar 17, 5:04 PM
    • 5,497 Posts
    • 37,533 Thanks
    newgirly
    Actually the answer is now yes I do plan my meals and I WILL stick to the plan.
    MFW 21
    Target for 2017 £38,545 / £6,135 paid so far

    Mortgage £53,630 5 yrs 2 months left. Total owed £74,251 planning to clear in 18 months
    Weight loss target 2017 28lb target /1.5
    • gallygirl
    • By gallygirl 21st Mar 17, 7:35 PM
    • 16,267 Posts
    • 106,428 Thanks
    gallygirl
    Oh wow, never been in an actual store yet, did you buy any? or were you too busy hurrying along to c*rrys to admire the tumble dryers with lights
    Originally posted by newgirly
    No, I was rushing to meet Mr GG for a romantic day/night in Birmingham
    Save
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    Mortgage Balance = £0
    "Do what others won't early in life so you can do what others can't later in life"
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