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  • FIRST POST
    • CathT
    • By CathT 2nd Sep 10, 11:22 AM
    • 5,283Posts
    • 36,314Thanks
    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.
    August 2017 -
    part 1 - £79,967
    part 2 - £46,351
    Total - £126,318
Page 210
    • debtfreeoneday
    • By debtfreeoneday 25th Aug 17, 10:14 AM
    • 2,764 Posts
    • 9,430 Thanks
    debtfreeoneday
    Have a great day!
    DFW (08/08) £64,346.53
    CC1 - GONE! ~~~ CC2 - GONE! ~~~ CC3 - £1263.18 ~~~ CC4 - £1050.00
    MFW (01/15) £118,031.21 £96,612.41
    • CathT
    • By CathT 27th Aug 17, 2:44 PM
    • 5,283 Posts
    • 36,314 Thanks
    CathT
    Thanks debtfree

    Yesterday ended up being a bit spendy. Collected holiday tickets and bought some euros whilst there. Also needed to buy a new lawnmower and ended up spending £100 but it did come with a free strimmer which we also needed. £5 voucher received in @rgos due to the promotion but I was a bit annoyed as we spent £99.99 I'm sure they usually have packs of sweets by the till which they had moved. It would have been worth buying one for the £10 voucher. I did park away from town and walk in though to save on parking.

    Have been super busy today and am shattered so may be repeating yesterday's afternoon nap! DH took dd to her football tournament so DS and I have done the garden, so both lawns done which wasn't easy had they hadn't been done for so long! Cleaned and hoovered my car and due to how long it took I actually think it's worth paying £15 for it to be done locally as it still needs washing! Then took ds to the park and played football so we have both had a fun morning

    Bank accounts looking ok and dh and I are on a strict £20 spending budget between now and Friday! Mini food plan done and we only need fruit and milk to keep us going.
    August 2017 -
    part 1 - £79,967
    part 2 - £46,351
    Total - £126,318
    • michelle09
    • By michelle09 27th Aug 17, 5:09 PM
    • 257 Posts
    • 734 Thanks
    michelle09
    I'm dreading mine outgrowing junior sizes. They are both tall with big feet so am sure it won't be too long. Gosh your choices are limited and expensive I expect?
    Originally posted by CathT
    It's not brilliant, but you get used to it. Good job I'm not into shoes! It's hard to tell how much they'll grow but I was an adult size 4 aged 7, and an 8 1/2 aged 11. I actually stock up if I go to the US - their normal range stretches to a UK 11 for women. Hopefully their feet don't grow too quickly! I don't know if the VAT still kicks in at a certain size?

    Are the kids wearing their lovely new football kits? (OH has learned that I will have nothing to do with his red NW team and he has to do the laundry if he want the shirts washed. The joys of a football rivalry.)
    • CathT
    • By CathT 28th Aug 17, 7:23 PM
    • 5,283 Posts
    • 36,314 Thanks
    CathT
    DD is nearly 9 and a size 3 so a little behind you at that age. I'm a 7 myself and always wanted smaller feet! Football kits are getting a lot of wear and will be coming on holiday with us. That should keep the packing down! DH has mentioned about going to Barcelona for the day again as we did an organised trip in May but obviously didn't see a lot of the city. Think it's only 9 euros each on the train so not too bad and definitely worth the trip.

    Spent much of the £20 budget on wine yesterday! Just under £17 in total spent at @ldi but I've had a NSD today. DH bought the children ice-creams at a local park from his spends today. He did overtime then took them out and I had yet another daytime nap!

    50p on y0ugov today
    August 2017 -
    part 1 - £79,967
    part 2 - £46,351
    Total - £126,318
    • CathT
    • By CathT 29th Aug 17, 8:03 PM
    • 5,283 Posts
    • 36,314 Thanks
    CathT
    Have managed another NSD today and accounts looking fairly healthy with a credit expected next week. Collected a free booster car seat off fb and will give away the old seat to pay it forward.

    Working tomorrow so should be a NSD so the £20 budget may actually be possible!

    It's felt really autumnal here today and if I'm honest I think I'm ready for it! Spring is definitely my favourite season but Autumn comes a close second
    August 2017 -
    part 1 - £79,967
    part 2 - £46,351
    Total - £126,318
    • lulabelle1
    • By lulabelle1 30th Aug 17, 2:13 PM
    • 2,628 Posts
    • 16,732 Thanks
    lulabelle1
    I'm with you... love Autumn.... as sad as I am to wave goodbye to the warmer days, it's lovely to see the leaves already starting to turn and I'm looking forward to Autumn clothes, boots and coats
    • michelle09
    • By michelle09 30th Aug 17, 6:40 PM
    • 257 Posts
    • 734 Thanks
    michelle09
    I'm with you, I love Autumn. Bonfire night is normally my favourite, although we have the cat now and she may not love the fireworks.
    • newgirly
    • By newgirly 31st Aug 17, 8:00 AM
    • 5,770 Posts
    • 39,500 Thanks
    newgirly
    Me too, Halloween and a bit of pumpkin picking
    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 31st Aug 17, 7:47 PM
    • 5,283 Posts
    • 36,314 Thanks
    CathT
    Lots of Autumn fans here to keep me company

    Today has been fairly productive and have ventured into town as DH wanted new trainers and I wanted to get a P@ndora charm for my sister's 21st. DD who is not at all girly took a shine to them so not sure if they will appear on her birthday/Christmas list. Popped into M&S to get a nice food for dinner for DH (his birthday today) and also found some reduced profiteroles which went down well! Used vouchers for these and we all enjoyed the food

    Managed to sort out some work admin which will avoid me losing about £85 worth of expenses so that was a relief. Will put that money to good use on payday.

    Currently trying to use up what's in the fridge so have made another batch of roasted veg (courgette from the garden). We have done really well with one plant (one died shortly after I planted it) so will definitely keep growing them each year. Watched bake off with the children and DS was very amused to see courgette as a cake ingredient.

    Bank accounts looking healthy which makes goal setting easier. Will be back with some goals (inspired by Newgirly).

    Haircuts for the children tomorrow but fingers crossed no other spending!
    August 2017 -
    part 1 - £79,967
    part 2 - £46,351
    Total - £126,318
    • Cream Tea
    • By Cream Tea 1st Sep 17, 6:50 PM
    • 419 Posts
    • 1,983 Thanks
    Cream Tea
    We had an American family living next to us years ago who made us a courgette cake once, it was very tasty. Maybe something to try to use those courgettes up?
    CT
    Mortgage £269,432 £262,860 / MF date June'49 June'49
    Debt £27,798/£24,829 / Debt Free Est. July'21 Sept'2019

    Updated 01/09/17
    • greent
    • By greent 3rd Sep 17, 9:36 AM
    • 6,181 Posts
    • 62,661 Thanks
    greent
    I've made chocolate courgette cake quite a few times - and don't tell people until after they've eaten it! BNS works well instead of carrots for carrot-cake style muffins, too
    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
    • debtfreeoneday
    • By debtfreeoneday 3rd Sep 17, 11:41 AM
    • 2,764 Posts
    • 9,430 Thanks
    debtfreeoneday
    Beetroot cake is lovely as well!
    DFW (08/08) £64,346.53
    CC1 - GONE! ~~~ CC2 - GONE! ~~~ CC3 - £1263.18 ~~~ CC4 - £1050.00
    MFW (01/15) £118,031.21 £96,612.41
    • smallholdingsister
    • By smallholdingsister 3rd Sep 17, 5:13 PM
    • 3,307 Posts
    • 25,941 Thanks
    smallholdingsister
    Yum. Isn't beetroot good in chocolate cake?
    • Betterthanever
    • By Betterthanever 3rd Sep 17, 5:32 PM
    • 166 Posts
    • 597 Thanks
    Betterthanever
    I use courgettes in overnight oats and beetroot in smoothies. 12 months ago I would never have done so, but having given them a try I'm sold!!
    Former DFW Need 230. Determined to be MF.
    Current balance £116,878.11. Offset £1034.
    end date - 03/29 aiming for 10/22

    Bring it on!
    • debtfreeoneday
    • By debtfreeoneday 4th Sep 17, 11:23 AM
    • 2,764 Posts
    • 9,430 Thanks
    debtfreeoneday
    Yum. Isn't beetroot good in chocolate cake?
    Originally posted by smallholdingsister
    yes it is! sure I did cocoa and beetroot cake when i did do it!
    DFW (08/08) £64,346.53
    CC1 - GONE! ~~~ CC2 - GONE! ~~~ CC3 - £1263.18 ~~~ CC4 - £1050.00
    MFW (01/15) £118,031.21 £96,612.41
    • shangaijimmy
    • By shangaijimmy 4th Sep 17, 9:01 PM
    • 2,198 Posts
    • 10,035 Thanks
    shangaijimmy
    beetroot on a burger!!
    MFW: Turning June 2036 into March 2023... 30//120 Payments Challenge, Diary Reduction £32,077.72
    Aug 2009: £163,051 // Current: £103,922.28 // Avg Daily Interest £4.67
    MFiT-T4 #8 - 47.86% of £41,000
    • smallholdingsister
    • By smallholdingsister 6th Sep 17, 6:56 PM
    • 3,307 Posts
    • 25,941 Thanks
    smallholdingsister
    Tesco baby spicy beetroot is good.
    • CathT
    • By CathT 9th Sep 17, 4:52 PM
    • 5,283 Posts
    • 36,314 Thanks
    CathT
    Ooooh, lots of lovely food chat whilst I've been sunning myself in Spain! I'll be taking those tips on board thank you.

    Am back to reality with a bang and have both the washing machine and dryer on the go and still no sign of the floor being washing free! DH has done a food shop and we are hoping for a relaxing evening.

    Money wise, brought a few euros home and didn't spend anything on the card. We've made some priceless memories and although exhausted feel relaxed and the holiday was very well timed. Children aren't keen on going to school on Monday after having an extra week off!
    August 2017 -
    part 1 - £79,967
    part 2 - £46,351
    Total - £126,318
    • Moneyfordreams
    • By Moneyfordreams 10th Sep 17, 10:03 AM
    • 874 Posts
    • 4,241 Thanks
    Moneyfordreams
    Will you get a fine for the extra week?
    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
    • smallholdingsister
    • By smallholdingsister 10th Sep 17, 10:29 AM
    • 3,307 Posts
    • 25,941 Thanks
    smallholdingsister
    Welcome home!
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