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  • FIRST POST
    • newgirly
    • By newgirly 15th Apr 10, 11:02 PM
    • 6,020Posts
    • 41,551Thanks
    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 327
    • newgirly
    • By newgirly 27th May 17, 10:25 AM
    • 6,020 Posts
    • 41,551 Thanks
    newgirly
    Thanks xspender and the madvix she is still the same really, I need to do what the vet said and give hen antibiotics a chance to kick in, but I think if she has not improved by tomorrow morning I'll take her to another branch where the vet she has been seeing is working this weekend. She has eaten tiny amounts again today but is weak.

    Very rough night last night waiting up for ds2, then getting up to check on the dog and then woken by dh at 5am as he is off to visit his brothers in Lincoln for the weekend (lucky thing!), i don't want to leave the dog alone so she is watching all he pirates of the Caribbean films today with me, we are having a very very lazy 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 17 months
    Weight loss target 2018- 21lb /3.5 lost
    • smallholdingsister
    • By smallholdingsister 27th May 17, 10:36 AM
    • 3,630 Posts
    • 29,011 Thanks
    smallholdingsister
    God bless your doggle.x
    • greent
    • By greent 27th May 17, 4:03 PM
    • 6,669 Posts
    • 67,852 Thanks
    greent
    Hope your woof-er recovers xx
    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
    BTL Mtge 12/16 £69786. 2018 OPs (#18) £0/£4000
    Net sales 2018 £20.45/£1000 PAYDOX18 £991.65/£17044.10 Decluttered 151/2018 items
    • EatingTheElephant
    • By EatingTheElephant 27th May 17, 4:17 PM
    • 1,200 Posts
    • 6,542 Thanks
    EatingTheElephant
    Hope your dog gets better soon.
    • newgirly
    • By newgirly 27th May 17, 4:54 PM
    • 6,020 Posts
    • 41,551 Thanks
    newgirly
    Unfortunately she seemed to become more lethargic, I was intending to speak vet in the morning but decided to ring today her just incase, she said the antibiotics should have already taken effect so she should be better not worse. We took her in and she said it could be a matter of days or even possibly hours, her lymph nodes were still enlarged and it would not be a pleasant death. We decided not to put her through that both ds2 (she was "his" dog) and I stayed, even the vet was in tears afterwards.
    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 17 months
    Weight loss target 2018- 21lb /3.5 lost
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 27th May 17, 4:55 PM
    • 7,767 Posts
    • 86,676 Thanks
    Tilly MFW in 6 YRS
    I'm so sorry to read your news. Words aren't enough as our dogs are.part of the family.

    Take it easy xxxxx
    2004 £387k 29 years - MF March 2033
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15
    • smallholdingsister
    • By smallholdingsister 27th May 17, 5:27 PM
    • 3,630 Posts
    • 29,011 Thanks
    smallholdingsister
    So sorry. xxxx
    • greent
    • By greent 27th May 17, 6:27 PM
    • 6,669 Posts
    • 67,852 Thanks
    greent
    Aww, newgirly, so sorry to hear that xx - furry friends have a special place in hearts 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
    BTL Mtge 12/16 £69786. 2018 OPs (#18) £0/£4000
    Net sales 2018 £20.45/£1000 PAYDOX18 £991.65/£17044.10 Decluttered 151/2018 items
    • Fortune Smiles
    • By Fortune Smiles 27th May 17, 6:43 PM
    • 2,648 Posts
    • 21,914 Thanks
    Fortune Smiles
    Very sad news - sending hugs.

    Fortune x
    Mortgage: 2.4% paid House Deposit Contribution: 92% Emergency Fund: 58%

    All we have to decide is what to do with the time that is given to us - J R R Tolkein
    • XSpender
    • By XSpender 27th May 17, 6:46 PM
    • 2,761 Posts
    • 28,443 Thanks
    XSpender
    I'm so, so sorry to hear about you dog newgirly. Sending you and your family lots of hugs xx
    Target Debt Virgin (Me) Part 1 £1176.49/£677

    Big black hole of debt - £53,515.15 @ 16.12.17
    Big black hole of debt - £51,950.28 @ 15.01.18

    EF £1000 - £500
    • EatingTheElephant
    • By EatingTheElephant 27th May 17, 7:06 PM
    • 1,200 Posts
    • 6,542 Thanks
    EatingTheElephant
    I'm so sorry xx
    • wantabetterlife
    • By wantabetterlife 27th May 17, 10:15 PM
    • 1,226 Posts
    • 5,485 Thanks
    wantabetterlife
    Aww NG I am so so sorry to hear that. I never understood how much they become part of the family until we got a dog of our own. Big big hugs to you all.xo
    Mortgage £177,750£166235.33
    Overpayments 2016 £2053.58 2017 #26 £3417.70 2018 £354.06
    Daily interest £19.91 £15.28
    BUY TO LET MORTGAGE £111408 £109975 £105116
    5.14% paid
    Saving £1480
    • newgirly
    • By newgirly 27th May 17, 10:43 PM
    • 6,020 Posts
    • 41,551 Thanks
    newgirly
    Thanks everyone you are very kind. Dh is away for one night with his brothers for a catch up and is clearly feeling bad for not being here as ive had six phone calls now (in varying levels of drunkeness) to see if I'm ok. Now Dd is home I'm going to bed, I feel like I've been up for days.
    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 17 months
    Weight loss target 2018- 21lb /3.5 lost
    • Muser1
    • By Muser1 27th May 17, 11:50 PM
    • 756 Posts
    • 4,102 Thanks
    Muser1
    I'm so sorry NG xx
    Mortgage Jan 13 99260.00 87253 April 2017
    Emergency fund 700.00
    • Kittenkirst
    • By Kittenkirst 27th May 17, 11:57 PM
    • 1,712 Posts
    • 9,120 Thanks
    Kittenkirst
    So sorry to hear about your loss NG, sending so much hugs to you & yours x
    2018 MFW #20 - OP £391.44/ £3000 13%

    Emergency fund £4K/ £6k
    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    Overpayments 2016 £255.50 2017 £2600.40
    • newgirly
    • By newgirly 28th May 17, 4:44 AM
    • 6,020 Posts
    • 41,551 Thanks
    newgirly
    Thanks

    Can't sleep (never can if dh is not here anyway) thought I'd make a to do list as this weeks gone to pot a bit :

    Washing

    Ironing

    Quick mini clean around house it's not too bad

    Apply for current accounts for boys

    Do the money shuffle - still not done from weds, I've massively overspent and have £500 odd of vets bills too

    Email builder that quoted for extension, don't know what we are allowed to build until council email back

    Locate boys old passports and apply for new online, horrid feeling they are lost though!

    Transfer money to Dd for new plain black trainers for her new job - she did a trial at a huge busy ice cream parlour yesterday and got the job, full time through summer then what hours she wants once uni is back, she did well although she left just after we had taken the dog to the vet so was trying to hold it together poor thing

    Go to parents BBQ
    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 17 months
    Weight loss target 2018- 21lb /3.5 lost
    • Arkers
    • By Arkers 28th May 17, 12:42 PM
    • 632 Posts
    • 5,116 Thanks
    Arkers
    So sorry about the loss of your beloved dog x

    Arkers x
    • smallholdingsister
    • By smallholdingsister 28th May 17, 7:16 PM
    • 3,630 Posts
    • 29,011 Thanks
    smallholdingsister
    Hope the BBQ was good. x
    • themadvix
    • By themadvix 29th May 17, 10:16 AM
    • 1,258 Posts
    • 7,562 Thanks
    themadvix
    So sorry to hear about your dog, NG. I'm sure you must be feeling the hole in the family at the moment - it's fine to not be very productive for a couple of days, you're grieving after all. xx
    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 29th May 17, 10:41 AM
    • 6,020 Posts
    • 41,551 Thanks
    newgirly
    Thanks you are all so kind, sounds crazy but it just feels like the end of an era. It kind of feels like a link from the past has gone , my grandparents who are both now gone used to make a fuss of her. It's life moving on putting more distance between now and the past

    Need to get my act together today, the WW has gone out the window as I've drunk a lot this weekend on he plus side I've not eaten much.

    We had a quote from one buildier for extension (who didn't measure up or notice he drain!) £15k +vat which is very low, it doesn't include bifold doors so that's another £10k ish plus toilet suite /kitchen etc. Other builder hasn't got back to us still.

    I emailed the council re building over the drain but they have not replied, I think if we can't I'm not sure We will get it done as it's so much money for a better layout but the same floor space basically - losing the large conservatory one side to gain a short extension all along the back.

    I hate not knowing what we are doing financially, mortgage op not made yet this month and spending has been very high, I've bought the kids a few clothes and we had the vets bill too, plus I'm going to get the boys passports incase we want to go away.
    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 17 months
    Weight loss target 2018- 21lb /3.5 lost
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