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  • FIRST POST
    • CathT
    • By CathT 2nd Sep 10, 11:22 AM
    • 5,135Posts
    • 35,040Thanks
    CathT
    CT's attempt at being mortgage free
    • #1
    • 2nd Sep 10, 11:22 AM
    CT's attempt at being mortgage free 2nd Sep 10 at 11:22 AM
    Hi all,

    Originally came across this forum and had the idea of OP in the short term while interest rates so low but have been so inspired to make being MF a realistic goal.
    Initially was inspired by Financial Bliss's diary and then read many others taking in lots of tips and posting the occasional comment.

    So, a bit about me. Live with DH and DD (aged 2) with outstanding mortgage of just over 119,000 with about 19.5 years left on the term. We are young ish! and would hope to be MF by time i'm 40 (DH 45) so pretty much a 10 year ish plan.

    We have a fair income (about 40k joint) but have been used to living on a lot less so am hoping to direct disposable income at mortgage)

    Thanks for reading so far and I hope you will join me on my journey to keep me motivated!!
    Last edited by CathT; 20-12-2011 at 1:49 PM.
    June 2010 121,287
    May 2017 - part 1 - 81,782
    -part 2 - 46,814
    Total - 128,596
Page 204
    • PurpleFairy26
    • By PurpleFairy26 4th May 17, 5:43 AM
    • 1,617 Posts
    • 10,962 Thanks
    PurpleFairy26
    Hi PF, that was for a 2 storey extension and some internal alterations including pitching the garage roof. Think around 32k was the extension cost. We had an 18x8 ish extension, shower room supplied, fitted and fully tiled, utility room built but not finished from that budget and a bedroom above. The whole build was done up to being ready for decorating. We used a company who did the structural work and subcontracted the rest.

    Was a bit of a shock MFD, honestly every April I am worse off! I'm hoping for a cracking pension though!

    Blinds fitted in DD bedroom yesterday which look fab and was only 145 for 2 windows. We've gone for a wood effect Venetian blind in cream and they look fab

    61p Tilly tidy today and bank account looking okay due to the various money transfers this week. I'll see what we had spare and send it somewhere useful!

    New healthy eating and exercise regime going well. Have done shred 5 out of the last 7 days and eating well. Water intake is good but stress levels are a bit high at the moment due to work pressures so not managing to switch off at the end of the day.

    Loving this sunshine and am only working 3 days this week so definitely seeing the positives
    Originally posted by CathT
    Thanks for that cath very interesting. I'm assuming you are talking feet rather than metres? I need to get some more quotes as ours was nearly 3x that for about half the size again. Really useful. Thank you. I appreciate where in the country people are but it's not like I'm in central London

    Enjoy your 3 day week
    • CathT
    • By CathT 4th May 17, 7:31 PM
    • 5,135 Posts
    • 35,040 Thanks
    CathT
    Yes measurements are in feet

    Our quotes varied from 38k for everything (the quite we went for but went higher spec with fittings) to 47k for a shell and 53k for everything. When we had the 53k quote I was so deflated as we couldn't afford that amount and certainly couldn't justify it.

    Working week done it's my birthday tomorrow and I was thoroughly spoiled by colleagues today.
    June 2010 121,287
    May 2017 - part 1 - 81,782
    -part 2 - 46,814
    Total - 128,596
    • CathT
    • By CathT 6th May 17, 3:45 PM
    • 5,135 Posts
    • 35,040 Thanks
    CathT
    Today has flown! Have been out with DD all morning at a piano festival which was a really good experience. It was a bit spendy as she had a gap in performances a so between admission,, chocolate muffins and a new piano book I've spent about 20! Dh also I bought wine whilst I was out! Nothing else planned for the rest of the day now. It's freezing here today though and really overcast so trying not to put the heating on. Not sure I've ever put it on in May before!

    Dh bought me some clothes yesterday and I treated myself to some plants. Through some clever use of vouchers at our local fancy garden centre I got 2 bottles of red wine, gardening gloves, 2 huge bags of quality compost, sweet peas, geraniums and two courgette plants, and 2 solar lights for just under 20! Am just putting plants out during the day and bringing them back in at night. I wanted an evergreen azaela for the border I dug but couldn't see any yesterday so will get the 3.99 one I saw in h0meb@se.

    Just need the sun to shine tomorrow now!
    Last edited by CathT; 06-05-2017 at 6:13 PM.
    June 2010 121,287
    May 2017 - part 1 - 81,782
    -part 2 - 46,814
    Total - 128,596
    • CathT
    • By CathT 9th May 17, 7:12 AM
    • 5,135 Posts
    • 35,040 Thanks
    CathT
    Quick update from me.

    Had a really productive day in the garden on Sunday. Planted some lobelia, geranium and stocks plants. Also bought the evergreen azaela I've wanted for a couple of weeks and it looks fab. I sat out there with a drink when I got in from work yesterday as dh had taken the children swimming and all was quiet!

    Have had another y0ugov survey so up to 48.50 now. Almost there! It seems to take ages to get to payout but the surveys are bearable and I make sure I sent it to the mortgage!

    42p Tilly tidy. Food spends have reduced too which is helping the budget see us through until payday

    It's sunny again here today which definitely lifts my mood and motivation!
    June 2010 121,287
    May 2017 - part 1 - 81,782
    -part 2 - 46,814
    Total - 128,596
    • CathT
    • By CathT 10th May 17, 7:17 AM
    • 5,135 Posts
    • 35,040 Thanks
    CathT
    Happy hump day

    12p Tilly tidy, accounts looking okay and 10 days until payday. Dh returned a garden hose and accessories yesterday as they are not suitable. How hard is it to find exactly what you need? We want a hose already on a reel complete with all attachments that doesn't have terrible reviews. Does anyone have any recommendations?
    June 2010 121,287
    May 2017 - part 1 - 81,782
    -part 2 - 46,814
    Total - 128,596
    • gallygirl
    • By gallygirl 10th May 17, 7:28 AM
    • 16,341 Posts
    • 106,938 Thanks
    gallygirl
    12p Tilly tidy, accounts looking okay and 10 days until payday. Dh returned a garden hose and accessories yesterday as they are not suitable. How hard is it to find exactly what you need? We want a hose already on a reel complete with all attachments that doesn't have terrible reviews. Does anyone have any recommendations?
    Originally posted by CathT
    Same problem in Spain, only worse as they split in the heat really quickly. I've just bought a Karcher one - same model not available in UK - but the stand is so lightweight I'm going to have to tie it to the balustrade .
    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"
    • CathT
    • By CathT 12th May 17, 7:13 AM
    • 5,135 Posts
    • 35,040 Thanks
    CathT
    Thanks gg, we got a hozelock one in the end, seems okay so far!

    16p Tilly tidy today and have money sitting in various accounts that can be transferred and used effectively!

    Still need to read and submit meter readings, check t3sco balance and transfer interest paid. Youg0v is up to 49 so I shall be stalking my account for surveys!

    Enjoy your Friday everyone, shame the weather is set to change but enjoy anyway
    June 2010 121,287
    May 2017 - part 1 - 81,782
    -part 2 - 46,814
    Total - 128,596
    • AlexLK
    • By AlexLK 12th May 17, 11:02 PM
    • 5,636 Posts
    • 28,932 Thanks
    AlexLK
    Just seen you've bought one but the wall mounted ones are good and may solve your problem if you mount in a shady area, Gally?
    Savings 2017: 2000. 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.
    • smallholdingsister
    • By smallholdingsister 13th May 17, 7:43 AM
    • 3,055 Posts
    • 23,086 Thanks
    smallholdingsister
    Mounting in a shady area?!
    • CathT
    • By CathT 13th May 17, 8:16 PM
    • 5,135 Posts
    • 35,040 Thanks
    CathT
    Have tried to ensure today was productive yet stress free with little expectation!

    Did a first coat of paint on 3 more doors upstairs. We're changing from woodstain to a satin acrylic so the first coat is the worst so thought I'd get all those out of the way so 2nd,3rd and 4th coats can all be done together. Did some replanting with ds and he wanted to get involved so did quite a lot of the work. Between us dh and myself have moved the last of the topsoil/stone from the back garden. I took ds for a bike ride and play on the park when the sun finally came out!

    Also updated house insurance to inform them building work has finished and our premium has gone up about 20 a year due to the additional bedroom. I had hoped not having a flat roof anymore would reduce it! Also rang student loans company as I'd had all my contributions for a tax year reversed and I don't know where the money is. They've sent it in to hmrc for them to investigate. I followed a link on mse last week and if I'd graduated slightly earlier my loan would have been wiped out after 20 years, as it is I will be repaying until I am 65!

    Sat down to watch a film with ds (Charlie and the chocolate factory) and I fell asleep! I've started napping again at the weekends so think I need my iron levels checking again so will try and sort that out this week. Have eaten fairly healthily today which is an achievement in itself as it's harder at the weekend.

    11p Tilly tidy this morning
    Last edited by CathT; 13-05-2017 at 10:25 PM.
    June 2010 121,287
    May 2017 - part 1 - 81,782
    -part 2 - 46,814
    Total - 128,596
    • CathT
    • By CathT 14th May 17, 5:05 PM
    • 5,135 Posts
    • 35,040 Thanks
    CathT
    Had a productive day

    Walked partway into town to exchange some shorts and pop to m*s. Had a free 5 voucher on my sp@rks so did a bit of food shopping and grabbed some reduced items. I do love their food but at full price a lot of it is out of our budget. Bought some pre-prepped mango and melon and some salad bits to help with the healthy eating.

    Shred done this morning and it's becoming a habit and getting much easier. Scales are being unkind but I feel better in my clothes so I'll go with whatever makes me feel more confident!

    Cut back a bush in the garden that just gets covered in thousands of tiny black flies. It wasn't the nicest job but the decking looks much better now

    2 loads of washing line dried and I'm trying tomorrow out packing for holiday. We've got as far as getting the suitcases out!

    Also hoovered and cleaned inside of my car, found my umbrella which was wedged right under the seat.

    50p on y0ugov, 50p left to go until payout. Surely that survey can't be too far away!
    Last edited by CathT; 14-05-2017 at 5:10 PM.
    June 2010 121,287
    May 2017 - part 1 - 81,782
    -part 2 - 46,814
    Total - 128,596
    • CathT
    • By CathT 16th May 17, 9:21 PM
    • 5,135 Posts
    • 35,040 Thanks
    CathT
    Hit payout on y0ugov, 50 on its way to me this will be sent to the mortgage.

    22p Tilly tidy this morning. Holiday boarding passes not printed out yet due to a virus attack affecting website of holiday company. Fingers crossed it's all working tomorrow! Euros collected today so just the last minute shopping and packing to do.

    Trying to run the food stocks down, dh thinks we need to go shopping - I disagree but he is a fussier eater than me and I don't mind random meals!
    Last edited by CathT; 19-05-2017 at 7:07 PM.
    June 2010 121,287
    May 2017 - part 1 - 81,782
    -part 2 - 46,814
    Total - 128,596
    • CathT
    • By CathT 19th May 17, 7:15 PM
    • 5,135 Posts
    • 35,040 Thanks
    CathT
    It's been a good end to a difficult week. I've been experiencing some stress and not managing it very well but had a good couple of days

    Dh also had some good news today which improves things for us as a family. Boarding passes picked up from travel agents and I'm resisting booking another holiday! Dh has taken the children to football training and then we'll be opening g the wine once here in bed. I was doing shred at 6am to stop me drinking wine! I have eaten healthily and resisted chocolate that was offered in the office today.

    Have polished and hoovered downstairs (well most of it) whilst dh out so having a decaf and an mse browse enjoying the peace before they get back!
    June 2010 121,287
    May 2017 - part 1 - 81,782
    -part 2 - 46,814
    Total - 128,596
    • AlexLK
    • By AlexLK 19th May 17, 11:54 PM
    • 5,636 Posts
    • 28,932 Thanks
    AlexLK
    Glad to hear the week has ended well, Cath.

    Hope you have a relaxing weekend.
    Savings 2017: 2000. 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.
    • EatingTheElephant
    • By EatingTheElephant 20th May 17, 6:34 AM
    • 879 Posts
    • 4,462 Thanks
    EatingTheElephant
    Well done on resisting a holiday booking. I keep thinking about holidays at the moment, but I will resist for a bit longer too. There are so many places still to see!
    • CathT
    • By CathT 20th May 17, 11:05 AM
    • 5,135 Posts
    • 35,040 Thanks
    CathT
    Thanks both, was a week of ups and downs but ended well.

    Money shuffle done and I did transfer money from the wrong account but all sorted until I do it again for my payday!

    Did 3 y0ugov surveys this morning so balance back up to 125 points. 84p Tilly tidy done and cc payment made. I re-calculated our monthly budget last month but I've realised this morning I've accounted for the 300 we send to the regular saver each month twice! That's a bonus!

    Shred done this morning which is rare for the weekend as although busier in the week I seem to manage better when I have a busy morning routine. Now I just need to resist the cakes dh is planning to bake later
    June 2010 121,287
    May 2017 - part 1 - 81,782
    -part 2 - 46,814
    Total - 128,596
    • CathT
    • By CathT 21st May 17, 11:12 PM
    • 5,135 Posts
    • 35,040 Thanks
    CathT
    So it appears we actually don't have a spare 300, I'd written it in two places but not added it onto total spends!

    Busy day today, had to pop into town (ended up going twice) so parked further away as the walk there and back usually gives me 2000 steps. I rarely hit 10k a day but today was nearer 11k. Bought myself some wedged sandals from m*s, 20% off and paid for with vouchers. I will miss those monthly top ups and it was definitely worth the current account switch.

    69 tracked as confirmed on tcb so hoping that's payable soon. We're trying to focus on the compound effect as no money for large overpayments.
    June 2010 121,287
    May 2017 - part 1 - 81,782
    -part 2 - 46,814
    Total - 128,596
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