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  • FIRST POST
    • newgirly
    • By newgirly 15th Apr 10, 11:02 PM
    • 5,643Posts
    • 38,680Thanks
    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 331
    • newgirly
    • By newgirly 19th Jun 17, 10:48 PM
    • 5,643 Posts
    • 38,680 Thanks
    newgirly
    We have carpet up in the penthouse, but we are a lot tidier than Dd

    Flipping useless unreliable builder didn't show up today, with an excuse I'm marking as a 3/10 for effort " I can't come today as I am picking up a new van and need to sort out the insurance and tax otherwise it won't be legal" ok, that's 20 mins of his day accounted for in my book!

    Ah well, I'm sticking it on the list of !!!! that's NOT going to stress me out. Also on the list today is next doors son, he is he same age as my boys (almost 17) and his mates are "a bad crowd" according to my neighbour, so to improve matters she has had a log cabin the size of an aircraft hanger -an I don't exaggerate here built over half of her garden. Yes I'm being a Hippocrate as we have one , however I have not moved my son so into our to live full time, and let their dodgy moped riding mates over all day to blast sexist rude rap music out while I am at work.

    I fully see this as a result of her letting him play grand theft auto from the age of about 6. Clearly I am being judgemental, but if my son was smoking pot in the garden at 8am on a Monday morning I would be making his life a misery not building him a 'flat' in the garden.

    Anyway, I am leaving now it for the moment as we ourselves can be noisy too, if gets to the point i can't take it anymore I shall have a word, I don't think it will do much good though as she works and he seems to chuck everyone out and clear up before she gets home.

    This heat is doing me no good, I have turned into a very bad tempered old woman
    MFW 21
    Target for 2017 £38,545 / £10,784 paid so far

    Mortgage £49,452 4 years 10 months left. Total owed £69,512 planning to clear in 18 months
    Weightwatchers target - 29.5 lb start date 11/5/17 so far 8.5lb lost
    • AlexLK
    • By AlexLK 19th Jun 17, 11:33 PM
    • 5,668 Posts
    • 29,195 Thanks
    AlexLK
    Builder woes and the neighbour's son do not sound good, NG. Hope it all gets resolved soon.
    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 20th Jun 17, 6:28 AM
    • 5,643 Posts
    • 38,680 Thanks
    newgirly
    Thanks Alex, I have been told by my kids that I am overreacting and to be honest they may be right!

    All of our neighbours are quiet, friendly etc. and I have known the boy and his mum next door since we moved in when my boys were one. This is this first time they have really made any excess noise, I think I'm panicking what might happen on a regular basis and getting too stressed out over other stuff lately.

    I'm just working up the energy to get up for work, also need to buy a radiator and some floor tiles on the way home aftwards and then I said I'd take ds2 to an unlimited cinema screening at 8pm, its going to be a long hot day.
    MFW 21
    Target for 2017 £38,545 / £10,784 paid so far

    Mortgage £49,452 4 years 10 months left. Total owed £69,512 planning to clear in 18 months
    Weightwatchers target - 29.5 lb start date 11/5/17 so far 8.5lb lost
    • newgirly
    • By newgirly 21st Jun 17, 7:01 AM
    • 5,643 Posts
    • 38,680 Thanks
    newgirly
    We had some sad news last night, dds boyfriends mum has taken her own life. She was a troubled woman who had left when he was young but they had recently been back in touch and she had met Dd a few times. It's difficult to know what to say in these circumstances, I just feel so sorry for him.
    MFW 21
    Target for 2017 £38,545 / £10,784 paid so far

    Mortgage £49,452 4 years 10 months left. Total owed £69,512 planning to clear in 18 months
    Weightwatchers target - 29.5 lb start date 11/5/17 so far 8.5lb lost
    • EatingTheElephant
    • By EatingTheElephant 21st Jun 17, 7:10 AM
    • 968 Posts
    • 4,921 Thanks
    EatingTheElephant
    Sorry to hear your sad news NG x
    • gallygirl
    • By gallygirl 21st Jun 17, 7:44 AM
    • 16,374 Posts
    • 107,201 Thanks
    gallygirl
    OH that is sad news NG. It sounds like he is already part of your family and I'm sure you will all support him. Sometimes there really is nothing you can say, but a hug always works xx
    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"
    • Fortune Smiles
    • By Fortune Smiles 21st Jun 17, 8:31 AM
    • 2,401 Posts
    • 19,287 Thanks
    Fortune Smiles
    So sorry to hear this.

    Fortune x
    Moving Costs: 100% Mortgage: 25% remaining House Deposit Contribution: 64%

    "It is possible to move mountains by carrying small stones."
    • newgirly
    • By newgirly 21st Jun 17, 8:40 PM
    • 5,643 Posts
    • 38,680 Thanks
    newgirly
    Thanks guys, they have popped round tonight so Dd can get clothes for the week as she will stay with him, as he doesn't want to leave his younger sisters.

    Super hot here today, the heat has clearly meant the poor builders have had to work for just a few hours at a snails pace!
    MFW 21
    Target for 2017 £38,545 / £10,784 paid so far

    Mortgage £49,452 4 years 10 months left. Total owed £69,512 planning to clear in 18 months
    Weightwatchers target - 29.5 lb start date 11/5/17 so far 8.5lb lost
    • AlexLK
    • By AlexLK 21st Jun 17, 11:42 PM
    • 5,668 Posts
    • 29,195 Thanks
    AlexLK
    NG:

    Re. neighbours: you may be overreacting if it's a one-off incident but I'd keep note of it for if it carries on.

    Re. your daughter's boyfriend's mum: I'm very sorry to hear what has happened and quite shocked to read such sad news (it is usually inflatable flamingos and highly-flammable house coats on here ). I cannot really imagine what your daughter's boyfriend is going through at the moment and also be prepared to support your daughter. This may sound rather callous but I say this from my own experiences; choosing to live sometimes doesn't seem the right choice to make and it is that individual's choice. A great deal of anguish will have led to the decision. Please encourage your daughter's boyfriend, his sisters and possibly your daughter to seek counselling.
    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 22nd Jun 17, 6:58 AM
    • 5,643 Posts
    • 38,680 Thanks
    newgirly
    Hi Alex, thanks for the comments. I will suggest counselling to him for sure, at the moment he seems to think he is ok and 'almost expected it one day' how he feels will change many times though as he comes to terms with it. He is a very sensible strong young man, but I believe this is his first experience of death and grief. I just feel so sad for him as even if you can move on it's a cloud that will always be there.

    No work today thank goodness, I'm going out with my best friend for the day shopping and for breakfast and lunch (very low cal as it s weigh in day) I am so looking forward to it, everything at home and at work has been quite stressful lately and a bit of shopping and aircon may help.

    Payday tomorrow, I've not updated last months figures -or lack of them! Dad said he would pay for the bathroom bedroom switch including fittings etc. But I do feel a bit awkward asking for money for what I've bought so will probably end up paying for some of it.

    Also trying to pull together a break for dh and I, not sure how where or when but I am desperate to get away for a bit and he could really do with a rest, not sure how the logistics of that would work at the moment though.
    MFW 21
    Target for 2017 £38,545 / £10,784 paid so far

    Mortgage £49,452 4 years 10 months left. Total owed £69,512 planning to clear in 18 months
    Weightwatchers target - 29.5 lb start date 11/5/17 so far 8.5lb lost
    • gallygirl
    • By gallygirl 22nd Jun 17, 8:01 AM
    • 16,374 Posts
    • 107,201 Thanks
    gallygirl
    I'm going out with my best friend for the day shopping and for breakfast and lunch (very low cal as it s weigh in day)
    Originally posted by newgirly
    No, no, no. It's not the calories that count on weigh-in day, it's how heavy the food is .
    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"
    • newgirly
    • By newgirly 22nd Jun 17, 8:04 AM
    • 5,643 Posts
    • 38,680 Thanks
    newgirly
    souffle for lunch then?
    Last edited by newgirly; 22-06-2017 at 8:38 AM.
    MFW 21
    Target for 2017 £38,545 / £10,784 paid so far

    Mortgage £49,452 4 years 10 months left. Total owed £69,512 planning to clear in 18 months
    Weightwatchers target - 29.5 lb start date 11/5/17 so far 8.5lb lost
    • themadvix
    • By themadvix 22nd Jun 17, 8:29 AM
    • 819 Posts
    • 3,335 Thanks
    themadvix
    So sorry to hear your news NG. Wise words from Alex re counselling, when the time is right. x
    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 23rd Jun 17, 11:35 PM
    • 5,643 Posts
    • 38,680 Thanks
    newgirly
    I've done something very spontaneous

    I've booked a WEEK LONG cruise leaving this Thursday. It's the only time dh can go before prices go up a lot in the the holidays, coupled with us having the builders working, along with the fact I can use that as an excuse to get the boys to stay at my parents (no worries about parties etc!) and Dd and her boyfriend can have the house to themselves if they want it.

    It's done and now I am panicking a fair bit!

    I had a long chat with dd and she is fine with it, we have sorted out as much as we can for the moment to help out, but the arrangements they are making will take time due to the circumstances.

    Everything was fully booked up except a Cunard cruise to Italy and croatia, I almost booked it but couldn't find my passport, spent a couple of hours searching and eventually found it. Thought I'd read some reviews before paying and although it seemed great the dress code was really strict, along with a much higher cost. Then I noticed a p and o one suddenly available which had not been earlier today. Gave them a ring and booked it quickly £679 each compared to £1100 for the Cunard one.

    We will be flying (I don't like flying!) to Malta and sailing mostly around Greece.

    Can't believe I've done it and am really worried about missing the kids and being homesick - I get homesick even if I'm away with he kids, dh and my parents but we have been a bit bogged down with life lately and it will do us good to have some fun, the kids don't want to go away with us anyway at the moment.

    As for the financial impact, I think it will add a month on the term.....
    MFW 21
    Target for 2017 £38,545 / £10,784 paid so far

    Mortgage £49,452 4 years 10 months left. Total owed £69,512 planning to clear in 18 months
    Weightwatchers target - 29.5 lb start date 11/5/17 so far 8.5lb lost
    • smallholdingsister
    • By smallholdingsister 24th Jun 17, 6:49 AM
    • 3,209 Posts
    • 23,841 Thanks
    smallholdingsister
    Woohoo! Exciting.
    • EatingTheElephant
    • By EatingTheElephant 24th Jun 17, 7:38 AM
    • 968 Posts
    • 4,921 Thanks
    EatingTheElephant
    Enjoy the holiday, what a fantastic bargain!
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