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  • FIRST POST
    • newgirly
    • By newgirly 15th Apr 10, 11:02 PM
    • 5,770Posts
    • 39,510Thanks
    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 332
    • newgirly
    • By newgirly 27th Jun 17, 8:20 AM
    • 5,770 Posts
    • 39,510 Thanks
    newgirly
    Thanks guys, don't think I can get organised in an hour a frayed knot

    I'm getting there slowly, unlike my useless invisible builder he's done about 3 hours since last Friday when I had a strong conversation with him , where he promised to work the whole weekend! It's a fine line between him taking the p and him walking off the job and leaving us with no builders until we can get a new one.

    Poor Dd and her boyfriend, his car broke down miles away in Luton on the way back from the funeral place yesterday, they have had it towed back to our house. It's awkward as the only car I can borrow from my dad is being fixed too at the moment, so if he needs to borrow ours for he week he will have to take us to Gatwick. Hopefully will find out soon how long his will take to fix.

    My to do list is going to take some time today!
    MFW 21
    Target for 2017 £38,545 / £14,264 paid so far

    Mortgage £47,330 4 years 8 months left. Total owed £63,993 planning to clear in 24 months
    WW target - 29.5 lb start date 11/5/17 so far 16.5lb lost.
    • Moneyfordreams
    • By Moneyfordreams 28th Jun 17, 8:52 AM
    • 874 Posts
    • 4,253 Thanks
    Moneyfordreams
    amazing, cruise sounds heavenly .. have a wonderful time x
    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 £159800
    h@lifax CC £4500 0% until May 2018.. will pay minimum for now, slow stooze
    xmas, chairs, hoover, computer and holiday [STRIKE}clothes[STRIKE] DD1 cc
    • newgirly
    • By newgirly 28th Jun 17, 9:28 PM
    • 5,770 Posts
    • 39,510 Thanks
    newgirly
    Stress at sky high levels! The funeral has been booked for Tuesday -while we are away, apparently her partner wants it all over with asap, he has also gone for an open casket not really sure how that's an option, plus he wants Dd to film the service, yes that is not a joke.......

    Anyway, we are doing the order of service for them at work and I've ordered some flowers. We can't really do much else really.

    House a tip, packing not finished, I'm worrying about plane crashes and thinking about that film alive, although I'm pretty sure we don't fly over the Andes to get to Malta

    Dh has kindly arranged for us to go for a work do the day after we get back (if Dd is not free) and said yes to a last minute wedding invite the day after that. It's not like we will be busy or anything having been away a week, have a house upside down, kids we have not seen etc.

    I've had my hair highlighted again today, its now properly blonde and cut into a much shorter scruffy long bob aka "old lady hair style" according to my youngest , who it should be noted gave himself pink highlights today, so is in no position to judge.
    MFW 21
    Target for 2017 £38,545 / £14,264 paid so far

    Mortgage £47,330 4 years 8 months left. Total owed £63,993 planning to clear in 24 months
    WW target - 29.5 lb start date 11/5/17 so far 16.5lb lost.
    • CathT
    • By CathT 29th Jun 17, 6:39 AM
    • 5,284 Posts
    • 36,323 Thanks
    CathT
    Sounds like a much needed break for you both, hope you manage to switch off whilst you are away.
    August 2017 -
    part 1 - £79,967
    part 2 - £46,351
    Total - £126,318
    • Fortune Smiles
    • By Fortune Smiles 29th Jun 17, 6:58 AM
    • 2,530 Posts
    • 20,819 Thanks
    Fortune Smiles
    It'll all be worth it NG - have an amazing time.

    Fortune x
    Mortgage: 0.94% paid House Deposit Contribution: 72%

    All we have to decide is what to do with the time that is given to us - J R R Tolkein
    • newgirly
    • By newgirly 29th Jun 17, 8:20 AM
    • 5,770 Posts
    • 39,510 Thanks
    newgirly
    Thanks guys, it's exciting and nerve wracking!

    Ds has lost his kindle which I was borrowing, I spent last night joining a trial of Amazon prime and kindle unlimited and choosing books very tempted to buy one at the airport and see if I can download some before we go if I can get free wifi.
    MFW 21
    Target for 2017 £38,545 / £14,264 paid so far

    Mortgage £47,330 4 years 8 months left. Total owed £63,993 planning to clear in 24 months
    WW target - 29.5 lb start date 11/5/17 so far 16.5lb lost.
    • themadvix
    • By themadvix 29th Jun 17, 10:02 AM
    • 1,027 Posts
    • 5,416 Thanks
    themadvix
    Have a lovely **relaxing** time!
    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 1st Jul 17, 8:48 AM
    • 5,770 Posts
    • 39,510 Thanks
    newgirly
    Currently in Piraeus today, all day trips to Athens sold out, plus at something like 114 degrees I can't face doing much! The tour bus round the city is €70 so we will just have a wander after finishing our cokes. Hopefully Crete will be easier tomorrow. Poor dd will be disappointed today as she was supposed to be seeing Adele tomorrow and she has cancelled, tickets bought from viagogo so she can't get a refund, hopefully mum who bought them can get a credit cs d refund.
    MFW 21
    Target for 2017 £38,545 / £14,264 paid so far

    Mortgage £47,330 4 years 8 months left. Total owed £63,993 planning to clear in 24 months
    WW target - 29.5 lb start date 11/5/17 so far 16.5lb lost.
    • smallholdingsister
    • By smallholdingsister 1st Jul 17, 12:01 PM
    • 3,309 Posts
    • 25,959 Thanks
    smallholdingsister
    Have a great holiday. Glad you are missing the funeral (sounds dire).
    • greent
    • By greent 1st Jul 17, 5:43 PM
    • 6,195 Posts
    • 62,710 Thanks
    greent
    Hope you are having a lovely time away - just caught up on the last couple of weeks posts - lots happening in ng's world! - cruise sounds very much needed 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) £4151/£3286
    Net sales 2017 £1152.39/£500 PAYDOX17 £11333/£10k Decluttered 1515/2017 items
    • newgirly
    • By newgirly 2nd Jul 17, 12:59 PM
    • 5,770 Posts
    • 39,510 Thanks
    newgirly
    Hi green t and shs, thanks for popping by

    I've been dying the last couple of days, dizzy, wobbly etc. Feeling better after some Nurofen. I don't think hot holidays suit me! Cruise is good but so much busier and livlier than our usual short winter ones, plus as a naturally grumpy person people do annoy me

    But we are making the most of it, I've actually been in one if the pools today. Rang the kids who were less than excited to speak to me, so different from when they were little and cute and couldn't weight get on the phone!
    MFW 21
    Target for 2017 £38,545 / £14,264 paid so far

    Mortgage £47,330 4 years 8 months left. Total owed £63,993 planning to clear in 24 months
    WW target - 29.5 lb start date 11/5/17 so far 16.5lb lost.
    • AlexLK
    • By AlexLK 3rd Jul 17, 6:00 PM
    • 5,772 Posts
    • 29,935 Thanks
    AlexLK
    The funeral sounds bizarre.

    Really surprised to hear people annoy you, NG. I imagined you to be quite the extrovert. Sorry to hear it's so hot and your teenagers are being grumpy. However, enjoy the rest of your holiday.
    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 7th Jul 17, 12:05 AM
    • 5,770 Posts
    • 39,510 Thanks
    newgirly
    Home and in bed with a cup of tea

    I was ill the whole week long, some kind of virus that made me ache, cough, really tired etc. Not a good combo with such hot weather! Still got out to each port but apart from Valletta in Malta today they were all pretty pants really

    Ship was busy and noisy and had hundreds of people sunbathing everywhere (I'm quite chatty Alex, but also quite superior, it runs in the family - my mum and gran both suffered from it too ) it was way more downmarket than the others we have been on. Although it was still p and o.

    Builders have done a little more work, including replastering our kitchen ceiling after they caused a leak bless them boys still at the parents, apparently they thought they would stay another night as the house is such a tip and is very dusty.

    So bad news tons of washing and cleaning and I still feel ill, builders will probably turn off water first thing

    Good news, illness meant less champagne consumed so bar bill under target and no weight gain plus I'm home snuggled up with my wonderful cat.

    I am never going on a week long holiday again, it was too long, too far and way too hot. Not that I am one to moan!
    MFW 21
    Target for 2017 £38,545 / £14,264 paid so far

    Mortgage £47,330 4 years 8 months left. Total owed £63,993 planning to clear in 24 months
    WW target - 29.5 lb start date 11/5/17 so far 16.5lb lost.
    • Kittenkirst
    • By Kittenkirst 7th Jul 17, 8:03 AM
    • 1,571 Posts
    • 8,077 Thanks
    Kittenkirst
    Oh NG, sorry to read that you didn't enjoy your hold much

    Are you feeling any better now you're home with your kitty?
    2017 MFW #20 - OP £1884.86/ £2150. 87.6%
    Last 3 months- Jul £172.36 Aug: £212.52 Sep £132.24

    Emergency fund £3725]/£6k
    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    2016 OPs £255.50/£150
    • CathT
    • By CathT 7th Jul 17, 9:11 AM
    • 5,284 Posts
    • 36,323 Thanks
    CathT
    Sorry your holiday wasn't the break you needed. Hope building work progresses soon and it's not too dusty.
    August 2017 -
    part 1 - £79,967
    part 2 - £46,351
    Total - £126,318
    • smallholdingsister
    • By smallholdingsister 8th Jul 17, 5:45 AM
    • 3,309 Posts
    • 25,959 Thanks
    smallholdingsister
    Hell IS other people. At least when you're not well. Did DH enjoy it?
    • newgirly
    • By newgirly 8th Jul 17, 7:11 AM
    • 5,770 Posts
    • 39,510 Thanks
    newgirly
    Hi shs , he is not as fussy as me and did enjoy the rest, but was disappointed by the cruise.

    Feeling a bit better now I'm home thanks KK (other than wanting to strangle the builder!)
    MFW 21
    Target for 2017 £38,545 / £14,264 paid so far

    Mortgage £47,330 4 years 8 months left. Total owed £63,993 planning to clear in 24 months
    WW target - 29.5 lb start date 11/5/17 so far 16.5lb lost.
    • PrincessLou
    • By PrincessLou 8th Jul 17, 11:25 AM
    • 500 Posts
    • 1,913 Thanks
    PrincessLou
    I am never going on a week long holiday again, it was too long, too far and way too hot. Not that I am one to moan!
    Originally posted by newgirly


    Just out of curiosity, how long do you usually go on holiday for? I've always grown up thinking week long holidays were the norm but DH insists that a week is never enough and you, NG, think if is far too long
    Mortgage - £105,500
    • newgirly
    • By newgirly 8th Jul 17, 12:37 PM
    • 5,770 Posts
    • 39,510 Thanks
    newgirly
    Before dh and kids , girly holidays were 2 weeks long and I would have preferred about 10 days.

    After kids the maximum was a week, but more usually for financial reasons we went on 3/4 night short uk breaks which were just about perfect

    Perhaps a 10 day compromise would work for you both
    MFW 21
    Target for 2017 £38,545 / £14,264 paid so far

    Mortgage £47,330 4 years 8 months left. Total owed £63,993 planning to clear in 24 months
    WW target - 29.5 lb start date 11/5/17 so far 16.5lb lost.
    • stepuptothepl8
    • By stepuptothepl8 8th Jul 17, 2:58 PM
    • 749 Posts
    • 3,537 Thanks
    stepuptothepl8
    ^spam reported.

    Sorry your hols weren't what you'd hoped for. A cruise is my idea of hell, all those people !!
    LBM 1st Feb 2015 £8789 to go
    my diary: time to step up to the plate. SPC#503
    2017 challenges:
    March - Bath Half Marathon DONE!!
    July - trailwalker 100km walk for Oxfam & the Ghurka trust DONE!!
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