Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • Secret Saving Squirrel
    • By Secret Saving Squirrel 28th Aug 10, 7:05 PM
    • 3,829Posts
    • 35,553Thanks
    Secret Saving Squirrel
    Squirrelling it all away......
    • #1
    • 28th Aug 10, 7:05 PM
    Squirrelling it all away...... 28th Aug 10 at 7:05 PM
    Hello,

    I have been reading the MFW diaries for some months now and am finally in a position to begin some serious overpaying. I intend to overpay £1500 per month in order to finish our mortgage on 1.3.13. It seems a nice symmetrical date.

    I have a good full time job, and so does OH. Our children are grown up and it would be great to see an end to the mortgage so that we can enjoy our 'autumn' years! I am 49 and he is 53 so we are still spring chickens really..... The overpayments will mean quite a sacrifice but it really hurts me to see how the banks profit so hugely from us - (how can they charge 7% for loans and pay only 0.25% on an ISA, and still keep a straight face?) - I get quite Mrs Angry when I think about these things, and see how they prey on the careless.

    But best not to get me started. I've always been fairly sensible with money but OH really isn't and gets fed up when I talk about it so I hope the diary will inspire me to keep going in the face of his apathy! My intention is to post every couple of days with my ramblings about squirrelling away for the future. I have really enjoyed everybody's diaries and hope that mine will not be too dull!

    Thanks for listening

    Squirrel
Page 213
    • juststuff123
    • By juststuff123 18th Mar 17, 6:52 PM
    • 190 Posts
    • 528 Thanks
    juststuff123
    Bye Bye SSS. Don't be too much of a stranger. I've always really appreciated your encouragement on my diary!
    NEW GOAL – Mortgage Balance £0k & £40k Savings by Feb 2019
    MORTGAGE: – £40478 / £0
    SAVINGS: – £53584 / £40000
    CREDIT CARD: – £5620 / £0

    COMPLETE - MFW & DFW - Goal - Debt Neutral – COMPLETE
    • smallholdingsister
    • By smallholdingsister 18th Mar 17, 7:28 PM
    • 3,208 Posts
    • 23,841 Thanks
    smallholdingsister
    Hello,

    We had an excellent (and mse) birthday celebration at home last night and had a great time with some friends and family. however I was fed up today to see lots of photos of the event that a friend had posted on Facebook. Am I the only one that thinks this is an invasion of my privacy? I would always ask first before sharing photos of someone's home. And we couldn't invite everybody, so some friends will wonder why they weren't invited when they wouldn't otherwise have known about it

    Sorry, just an un mse related rant. Out of my system now. All set for no spending until Friday except for £4 for Pilates. Also planning to cycle to work every day, extreme weather excepted. Hope you all have a good week.
    Originally posted by Secret Saving Squirrel

    You are probably over it now but I completely agree.

    You are never boring. Perhaps when work is less busy? xxx
    • greent
    • By greent 18th Mar 17, 8:42 PM
    • 5,869 Posts
    • 59,339 Thanks
    greent
    Ah, Squirrel, you were never boring 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
    Next: BTL Mtge 12/16 £69786. 2017 OPs (#18) £3000/£3286
    Net sales 2017 £657.00/£500 PAYDOX17 £9887/£10k Decluttered 865/2017 items
    • Teacher2
    • By Teacher2 22nd Mar 17, 9:30 AM
    • 470 Posts
    • 2,373 Thanks
    Teacher2
    Golly! Packing in the diary? Please don't. You never write anything boring and it's very nice to have a focus in the MS community.
    • earthgirl
    • By earthgirl 22nd Mar 17, 10:01 PM
    • 2,255 Posts
    • 18,193 Thanks
    earthgirl
    If it suits you not to do a diary great, but we will miss you sss x
    15/5/12 Paid off Mortgage 1 (£220k) Dec 13 - £116,508 Bought Dream House Dec 14 - £94, 402 (£22,106 offset in 2014) Jan 16 - £67, 852 (£26,550 offset in 2015) Dec 16 - £33,529 ( £34,323offset in 2016)
    Jan 17 - £39, 773 (Re-estimation of endowments )
    June 17 £32,053
    Kids savings 13,578/36k
    • Karmacat
    • By Karmacat 23rd Mar 17, 10:28 AM
    • 27,382 Posts
    • 148,265 Thanks
    Karmacat
    Hello,

    After seven years of mse and nearly four years of being mf, I think it is time to call it a day with the diary. I may pop in occasionally and visit some old friends but I find that I increasingly have nothing of interest or relevance to contribute and I don't want to bore you all.

    All the very best, good luck and good wishes to all my friends on here. You have been amazing and we couldn't have done it without you.

    Lots of love,

    Squirrel
    Originally posted by Secret Saving Squirrel
    I'm sad to see you go, Squirrel, but happy for your reason It's a good thing! May the road rise up to greet you

    Save
    Retired August 2016

    Goal: earnings of £25k from new opportunities from September 2016 to December 2020 when my state pension kicks in.Save
    • Secret Saving Squirrel
    • By Secret Saving Squirrel 23rd Mar 17, 9:32 PM
    • 3,829 Posts
    • 35,553 Thanks
    Secret Saving Squirrel
    Hello,

    Just popped in for a nosy and found myself on the first page so just saying hello. My teaching contract should have ended next week but they have asked me to stay a bit longer into May so still very busy. Then doing exam marking so at the moment I don't feel very retired!

    Thank you for all the kind words and I will be around, the forum has been a part of my life for so long that I can't go cold turkey!
    Love to all
    Paid off mortgage nine years early in 2013. Now picking and choosing our work to fit in with the rest of our lives!
    Still thrifty though, after all these years
    • Teacher2
    • By Teacher2 24th Mar 17, 11:00 AM
    • 470 Posts
    • 2,373 Thanks
    Teacher2
    Jolly good! Phew! Hope the marking goes well.
    • greent
    • By greent 24th Mar 17, 1:30 PM
    • 5,869 Posts
    • 59,339 Thanks
    greent
    Glad to hear that, squirrel

    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) £3000/£3286
    Net sales 2017 £657.00/£500 PAYDOX17 £9887/£10k Decluttered 865/2017 items
    • Secret Saving Squirrel
    • By Secret Saving Squirrel 28th Mar 17, 8:03 PM
    • 3,829 Posts
    • 35,553 Thanks
    Secret Saving Squirrel
    Hello,

    So much for giving up my diary... I can't see myself really keeping track of our spending without it!

    We are embarking on some very long awaited home improvement. Kitchen and two bathrooms. We got a quotation from a local firm with a good reputation...but I am not paying £25000. That money was far too hard earned. So we are going down the infinitely more stressful route of buying the materials ourselves and getting a mixture of friends, family and tradesmen to do the tricky bits. We will be doing demolition and simple stuff ourselves. And we should be able to bring it in for ten thousand, less than half the quote, with just as good quality fittings. First delivery tomorrow so fingers crossed as a lot can go wrong. I am just so pleased about all the decluttering that I have
    done over the last few years, as we don't have to move lots of stuff around.
    Of course, having nailed spending down to the absolute minimum over the last few years, all this spending makes me very nervous. But doing the work means not only that we will get to enjoy nicer facilities, but it gives us the flexibility to sell quickly if we decide to, or to rent out the house. Without doing it, we would have had to take a low price for the house as a fixer up if we sold, and it wasn't rental standard by any means.

    Still busy at work. I was giving a rude boy a telling off today and he told me 'calm yourself'. You can imagine how calm I was after that! I am also preparing to do exam marking and enjoying the hell that is the exam board website. I thought I had retired!
    Paid off mortgage nine years early in 2013. Now picking and choosing our work to fit in with the rest of our lives!
    Still thrifty though, after all these years
    • Secret Saving Squirrel
    • By Secret Saving Squirrel 28th Mar 17, 8:05 PM
    • 3,829 Posts
    • 35,553 Thanks
    Secret Saving Squirrel
    PS when packing up the kitchen I found peppercorns best before 2010. So much for decluttering.
    Paid off mortgage nine years early in 2013. Now picking and choosing our work to fit in with the rest of our lives!
    Still thrifty though, after all these years
    • Karmacat
    • By Karmacat 29th Mar 17, 9:23 AM
    • 27,382 Posts
    • 148,265 Thanks
    Karmacat
    Hiya! Good to see you

    What will be the saving on the kitchen for your DIY? And I was reading somewhere that peppercorns last practically forever! Don't throw them just yet
    Retired August 2016

    Goal: earnings of £25k from new opportunities from September 2016 to December 2020 when my state pension kicks in.Save
    • earthgirl
    • By earthgirl 29th Mar 17, 7:46 PM
    • 2,255 Posts
    • 18,193 Thanks
    earthgirl
    You writing a dairy again has really cheered me up!
    15/5/12 Paid off Mortgage 1 (£220k) Dec 13 - £116,508 Bought Dream House Dec 14 - £94, 402 (£22,106 offset in 2014) Jan 16 - £67, 852 (£26,550 offset in 2015) Dec 16 - £33,529 ( £34,323offset in 2016)
    Jan 17 - £39, 773 (Re-estimation of endowments )
    June 17 £32,053
    Kids savings 13,578/36k
    • Secret Saving Squirrel
    • By Secret Saving Squirrel 30th Mar 17, 9:16 PM
    • 3,829 Posts
    • 35,553 Thanks
    Secret Saving Squirrel
    Hello,

    KC, those peppercorns went straight in the bin. We think we should save 50% on the kitchen even allowing for paying a local carpenter and electrician for moving things like the sink and oven around. It will be hell, but worth it.

    We are off for a weekender in the camper tomorrow, the first for about six months so it will be good to air it out and make it pay for its keep. Then off to Spain for a few days with girlfriends, this is an annual trip and something that is well worth saving for, although it isn't very expensive, mostly due to our predilection for avoiding shops in favour of sunny corners, chat and supermarket sangria.

    I am doing my usual and tracking every penny of the home improvements so I will be able to share the eventual cost for the benefit of anyone else who fancies some DIY this spring. Just in case anyone new is reading, if you are having trouble cutting back, keeping a spending diary really does work. When you have to write down the list of fripperies purchased every day, it doesn't seem worth buying them!

    Have a good evening,
    Squirrel
    Paid off mortgage nine years early in 2013. Now picking and choosing our work to fit in with the rest of our lives!
    Still thrifty though, after all these years
    • Karmacat
    • By Karmacat 1st Apr 17, 9:37 AM
    • 27,382 Posts
    • 148,265 Thanks
    Karmacat
    Lovely holiday week then have a brilliant time.
    Retired August 2016

    Goal: earnings of £25k from new opportunities from September 2016 to December 2020 when my state pension kicks in.Save
    • earthgirl
    • By earthgirl 1st Apr 17, 10:28 PM
    • 2,255 Posts
    • 18,193 Thanks
    earthgirl
    Hope you get some sunshine here and abroad. Enjoy!
    15/5/12 Paid off Mortgage 1 (£220k) Dec 13 - £116,508 Bought Dream House Dec 14 - £94, 402 (£22,106 offset in 2014) Jan 16 - £67, 852 (£26,550 offset in 2015) Dec 16 - £33,529 ( £34,323offset in 2016)
    Jan 17 - £39, 773 (Re-estimation of endowments )
    June 17 £32,053
    Kids savings 13,578/36k
    • greent
    • By greent 2nd Apr 17, 9:51 AM
    • 5,869 Posts
    • 59,339 Thanks
    greent
    Hope you've had a good break
    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) £3000/£3286
    Net sales 2017 £657.00/£500 PAYDOX17 £9887/£10k Decluttered 865/2017 items
    • Teacher2
    • By Teacher2 5th Apr 17, 8:42 AM
    • 470 Posts
    • 2,373 Thanks
    Teacher2
    Well! Not stopping entirely. That is very good news. We will all look forward to hearing about your building project (and how to keep the budget to a minimum),your Spanish break and your exams.

    I have often thought that some research into project management and keeping a spending and works schedule would save a fortune. We have a downstairs garage which could be converted into a study (though as a receptacle for all the junkage it is virtually indispensable) and I have considered looking up how to do the various stages rather than handing over a barrowful of dosh to a builder.

    We semi-managed our kitchen refurb and it saved thousands. Having said that, moving a ton of online sourced cheapo Travertine marble from the pavement to the kitchen was not the most enjoyable three hours of my life. Still - saved a grand.

    The Spanish sun sounds fun. Enjoy!
    • Secret Saving Squirrel
    • By Secret Saving Squirrel 10th Apr 17, 6:19 PM
    • 3,829 Posts
    • 35,553 Thanks
    Secret Saving Squirrel
    Hello,

    I am back from a lovely break in Spain and I am raring to go. The bulk of the kitchen was done while I was away, which was excellent timing, leaving oh in charge. Tomorrow the tiling will be done by my son, then next week we are having two windows replaced by a neighbour, then I will do the topcoat of the painting. The cupboards were fitted by a good friend who also did the plumbing and a little bit of electrical work. By keeping it local I think we will bring it in for about £2500, which includes a new dishwasher, cupboards,worktops, a ceramic sink, flooring, two new windows, paint, fillers etc, tiling and all the grout and fixative, mates rates labour and lots of pipes and joints.
    It is still a chunk of money, but much less than we were quoted and I think it will look lovely when it is finished. It is already a great improvement! The squirrels have moved into the modern world. Now to start the first bathroom....
    Another exam board is desperate for markers so I might take on a second batch if the money is good enough. I think my plan is to going to be to work enough to earn just up to the tax threshold until I am old enough to claim my pension. So if I teach in April and May as already agreed and do two sets of summer marking I should be nearly there for the year!
    I hope all is well with you all and that you had a lovely weekend,
    Squirrel xx
    Paid off mortgage nine years early in 2013. Now picking and choosing our work to fit in with the rest of our lives!
    Still thrifty though, after all these years
    • Secret Saving Squirrel
    • By Secret Saving Squirrel 11th Apr 17, 9:22 AM
    • 3,829 Posts
    • 35,553 Thanks
    Secret Saving Squirrel
    Hello,

    Apart from some tiling related costs, today should be a nsd. I am trying to get seriously back on the mse wagon because I feel we have slipped a little and I don't want to use our whole budget every month just because it is there. So more focus on comparing needs with wants is required if I want to have a money cushion for when it is required.
    We have done some money shuffling and topped up the isas for the year. Surely savings rates must rise soon?

    I have a pile of marking as well as some online training for next month's GCSE marking marathon. Just waiting for the sun to come over the conservatory before I get started!

    Have a good day,
    Squirrel
    Paid off mortgage nine years early in 2013. Now picking and choosing our work to fit in with the rest of our lives!
    Still thrifty though, after all these years
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

674Posts Today

6,025Users online

Martin's Twitter