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  • FIRST POST
    • newgirly
    • By newgirly 15th Apr 10, 11:02 PM
    • 6,020Posts
    • 41,557Thanks
    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

    Don't miss out on new deals, loopholes, and vouchers

    Last edited by newgirly; 16-03-2012 at 12:47 PM.
Page 349
    • smallholdingsister
    • By smallholdingsister 1st Jan 18, 10:40 AM
    • 3,630 Posts
    • 29,012 Thanks
    smallholdingsister
    Happy New Year!
    • newgirly
    • By newgirly 1st Jan 18, 8:07 PM
    • 6,020 Posts
    • 41,557 Thanks
    newgirly
    Another ultra lazy day washing is done but I now have a Mount Everest sized ironing pile, not much else was achieved.

    I'm going to get a two together railcard soon and think, I've found a discount of 10% so far but won't need it for a few more months so it seems best to hold off for the moment.


    So a brief round up of this year is :

    Paid £18,445 off what we owe

    Lost just under a stone in weight (was over that now under!)

    Got a mortgage on the factory and saw the value double in two years

    Dd got a full time job as well as going to uni - her choice, think she's stretching herself!

    Switched bathroom and bedroom so ds1 has a bigger room

    Had a few breaks away, a 4 night and a 7 night cruise together without kids, a couple of nights in york with my parents.

    I had a girls weekend away in Italy

    A night with friends at the Xmas market

    Hosted Xmas eve/Boxing Day with family and did a bit of entertaining before

    Went blonde again

    Managed a few concerts and theatre trips as well as too many nights out


    That's all I can think of right now, it does seem a lot of spending that's for sure! 2018 needs to be as much fun but on a waaayyy lower budget, thinking cap on.
    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
    • newgirly
    • By newgirly 1st Jan 18, 9:02 PM
    • 6,020 Posts
    • 41,557 Thanks
    newgirly
    Ok thought it's time to finalise the bucket list!

    1).Go on a cruise done a few times
    2).Holiday with extended family
    3).Sew a patchwork blanket got aunt to do it for me!
    4).Grow runner beans
    5).Read 40 books
    6).Go to a Xmas carol concert at the Albert hall
    7).Eat chips on a pier
    8).Go on the dodgems
    9).Write a poem for best friends birthday about us
    10).Watch a movie outdoors
    11).Join twitter
    12).Go on a bike ride
    13).Make Xmas tree decorations
    14).Build a sandcastle
    15). Make bunting bought some!
    16).Watch 40 of imbd's top 250 films of all time
    17).lose 2 Stones one and a half in total so far
    18).Visit a Xmas market
    19).Sell something on ebay
    20).Have and afternoon tea
    21).Host an afternoon tea
    22).Make my own wine
    23).Do a puzzle
    24).Go for a walk in the rain
    25).Go to a casino cruise ship one though
    26).Bake a birthday cake
    27).Play an Xbox game
    28).Go down a waterslide
    29).Go to a prom
    30).See the oxford street Xmas lights
    31).Visit the IMAX
    32).Visit the national gallery
    33).Take dh on a surprise night away
    34).Go for a picnic
    35).Learn to play chess had a quick lesson with ds2
    36).See Michael buble
    37).Host a Halloween do
    38).rollerskate
    39).Cook a Xmas dinner
    40).Pay £27,000 off the mortgage
    Originally posted by newgirly


    Found the old bucket list dated August 2014 I've updated what's been ticked off with and for thise still to be done. New list to follow.
    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
    • newgirly
    • By newgirly 1st Jan 18, 10:15 PM
    • 6,020 Posts
    • 41,557 Thanks
    newgirly
    Currently too lazy to actually write a new bucket list but I have decided to make a new rule for 2018 and that's a minimum of one date night with dh a month. We do go out for local meals sometimes anyway but I'm trying to be a bit more imaginative, on a budget still of course.

    January will be a cinema night with our passes as it's an ultra frugal month to pay for the laptop. For February I've booked us something a bit different, we are going to see the exorcist at the Phoenix theatre 2 x tickets for £10 each no fees and even free postage as part their new year offers, should have been £35 each plus fees. Did a seat check and they are good views and not too high, need to add a meal deal somewhere nearby at a chain restaurant and I'm sorted for Feb
    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
    • themadvix
    • By themadvix 2nd Jan 18, 8:49 AM
    • 1,260 Posts
    • 7,568 Thanks
    themadvix
    That's a bargain for the theatre NG! Not my sort of thing, but I'm sure you'll enjoy it!

    Have you noticed that a lot of the things you haven't done on the bucket list are the cheaper ones? Sounds perfect for this year!
    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 5th Jan 18, 10:45 AM
    • 6,020 Posts
    • 41,557 Thanks
    newgirly
    You are right there vix, I'll have to do them won't I

    Back to work this week, less time to sit around and read diaries here

    WW weigh in last night and after putting on 5lb over Xmas at last weeks weigh in , I've lost 2.5lb this week - which was a hard slog, but I'm feeling quite motivated still.


    Topcashback has come through for me and paid out £58 today I love you tcb

    Off to the cinema with ds2 today, watching the new film about john Paul Getty, dh has been to his house apparently, for the average guy he has done some unusual stuff
    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
    • michelle09
    • By michelle09 6th Jan 18, 3:22 PM
    • 594 Posts
    • 2,780 Thanks
    michelle09
    Nice list. There are loads of really MSE things left on it too. Runner beans on my list too! I was 25 before I had shop bought runner beans and am now far too much of a snob to eat them.
    • newgirly
    • By newgirly 6th Jan 18, 3:40 PM
    • 6,020 Posts
    • 41,557 Thanks
    newgirly
    Food spends since 27th Dec - 1st Feb are now at £71.59 out of £200 and it's only the 6th

    Had an email from the accountant and we are paying the tax dh owes through his tax code, so there will be lower monthly ops and a higher one at the end of this month, the end date is still (for the moment!) may 2019 hopefully.

    Lower than usual food spends don't seem to be going badly, I'm cooking everything from scratch, it's time consuming as we all eat different things. Tonight I'm doing roasted veg frittata and salad for me, roasted veg and Stilton pastry tart and salad for dh, pizzas for the boys with frozen bases I need to use up.

    Splashed out on my try not spend month yesterday though and paid £13.99 to buy IT from sky store on download and DVD through the post, I love that film and had to have it
    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
    • AlexLK
    • By AlexLK 6th Jan 18, 7:52 PM
    • 5,926 Posts
    • 31,056 Thanks
    AlexLK
    Are you hoping to be able to eat for £200 for the whole month for all five of you? Don't know how you cook different dishes. Very time consuming.

    Can't say I understand watching a film more than once, though.
    Saved £11,000 in 2015, £9,800 in 2016.
    From a £32,000 debt on 2/9/2013 to debt free on 12/1/2015.
    • newgirly
    • By newgirly 6th Jan 18, 10:09 PM
    • 6,020 Posts
    • 41,557 Thanks
    newgirly
    Hi Alex, yes I am trying to - we have stuff in the freezer and cupboards too mind, I'm not just feeding us gruel

    Watching a favourite film multiple times is no different to playing a favourite album for me, if it's good why not enjoy it more than once
    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
    • AlexLK
    • By AlexLK 6th Jan 18, 11:34 PM
    • 5,926 Posts
    • 31,056 Thanks
    AlexLK
    NG, I'd not thought about watching a film multiple times in that way but it does make more sense now.
    Saved £11,000 in 2015, £9,800 in 2016.
    From a £32,000 debt on 2/9/2013 to debt free on 12/1/2015.
    • Bluefire
    • By Bluefire 7th Jan 18, 6:17 AM
    • 464 Posts
    • 2,930 Thanks
    Bluefire
    Can't say I understand watching a film more than once, though.
    Originally posted by AlexLK
    I will even go to the cinema more than once if I enjoy a film enough! (I saw Titanic 7 times at our local Odeon. Which admittedly was more to do with Leonardo Di Caprio and being a teenager more than the film itself)

    Have you seen the Greatest Showman yet Newgirly? Well worth a watch if you haven't.
    Last edited by Bluefire; 09-01-2018 at 4:36 PM.
    Mortgage: 08/13 £28,896.49 01/18 £0

    • newgirly
    • By newgirly 7th Jan 18, 8:54 AM
    • 6,020 Posts
    • 41,557 Thanks
    newgirly
    Nice list. There are loads of really MSE things left on it too. Runner beans on my list too! I was 25 before I had shop bought runner beans and am now far too much of a snob to eat them.
    Originally posted by michelle09
    So sorry michelle totally missed this post before! The smell of homegrown runner beans is divine


    Hi bluefire, I used to love titanic but have not watched it since we started going on cruises saw Star Trek a fair few times a few summers ago with dd - that was Zachary Quintos fault did see the greatest showman New Year's Eve, but strangely didn't actually know it was a muciscal as I hadn't seen a trailer so it was a shock!


    The kids and I have decided dh is a real life Homer Simpson, not meant too much in derogatory way, but for an average guy he seems to find himself doing unusual stuff. This week he had a call from a national paper who wanted to interview him about brexit, today he's in the paper with a photo and article under a picture of Theresa May, he's had lunch with the queen and the duke of Edinburgh came over, crouched down and talked to him at his table for a while (but nobody else there) it's getting quite funny now, perhaps he will go into space soon

    Mount ironing needs doing today dh wants to go to the cinema too, we watched Jumanji in the week instead of the one we were going to see due to timings. Not sure what's out at the moment.
    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
    • newgirly
    • By newgirly 8th Jan 18, 9:08 AM
    • 6,020 Posts
    • 41,557 Thanks
    newgirly
    All ironing done it was a whole day job

    Still back on track to be organised from now on, I've even made some veggie WW friendly chilli for this week, plus 3x trays of spicy wedges and 2x trays of roast potatoes, the potato glut is now over

    Off to the shops today, need to get a birthday cards and presents/voucher, already budgettted for so not coming from my purse thank goodness. It will probably be warmer outside than it is at home today, I switched the heating down low last night and haven't turned it up yet, it's freezing
    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
    • Goldiegirl
    • By Goldiegirl 8th Jan 18, 3:23 PM
    • 8,409 Posts
    • 48,229 Thanks
    Goldiegirl
    Hi bluefire, I used to love titanic but have not watched it since we started going on cruises
    Originally posted by newgirly
    It was seeing Titanic that put the idea of going on cruises on our head! (although not the sinking part)
    Early retired - 18th December 2014
    If your dreams don't scare you, they're not big enough
    • newgirly
    • By newgirly 8th Jan 18, 9:27 PM
    • 6,020 Posts
    • 41,557 Thanks
    newgirly
    The sinking part was most of it

    Just debating whether to buy a bottle of Marc jacobs honey perfume, I think dd would like it and it's £52 for 50ml down to £24.45 after discount and tcb, could put it away for her birthday, not sure.
    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
    • michelle09
    • By michelle09 9th Jan 18, 10:56 AM
    • 594 Posts
    • 2,780 Thanks
    michelle09
    They are so good. Just got to get the bamboo to make the frames and you're off!

    He's had lunch with the Queen? That's impressive, can you tell us why?
    • newgirly
    • By newgirly 9th Jan 18, 5:41 PM
    • 6,020 Posts
    • 41,557 Thanks
    newgirly
    I think I will do the year Michelle, I didn't grow anything last year.

    Dh won a business award for our borough and was runner up for east London at the same time and it coincided with the time the Queen was visiting the area, initially we were told she would be visiting our factory thanks goodness she didn't and it was lunch up the road instead as we still have the same bottle of mr muscle we bought three years ago when we moved in, I don't think she would have liked it

    I have decided to stuff my face today, not a little bit , but an awful lot. I am thoroughly fed up with eating WW free food -fruit /veg/ fat free natural yoghurt/ quorn mince and eggs. For a week or so it's great and then it gets miserable and boring.

    Hopefully normal service will be resumed soon
    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
    • greent
    • By greent 9th Jan 18, 7:26 PM
    • 6,669 Posts
    • 67,855 Thanks
    greent
    I'm still eating up Xmas stuff and DS2's bday cake Must get my act together soon, though!!!
    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
    • newgirly
    • By newgirly 9th Jan 18, 9:11 PM
    • 6,020 Posts
    • 41,557 Thanks
    newgirly
    Oh dear greent, I don't want to hear that please - I need to hear how well you are doing

    Had to pop to mr t tonight to get cat litter for our diva of a cat who only uses a certain type, after shopping with no list and buying random things I've now only got £45.20 left until 1st Feb- its all the cat's fault!

    Other finances are going very well, I even have a surplus of cash in my new petty cash tin I got for Xmas, ds2 thinks it's rather sad having an actual tin, but it's so much fun having little sections for your coins

    Had annoying conversations at work again today, a reoccurring theme of people having no money (this time for an mot) but bought new sofas on finance last week. Sometimes I feel like a preacher but doesn't anybody plan for stuff you know you have to pay for? None of my business I guess.
    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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