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  • FIRST POST
    • gallygirl
    • By gallygirl 1st Jan 11, 11:34 AM
    • 16,046Posts
    • 105,244Thanks
    gallygirl
    Gallygirl's "A journey of 121,226.67 pounds begins with a single penny" diary
    • #1
    • 1st Jan 11, 11:34 AM
    Gallygirl's "A journey of 121,226.67 pounds begins with a single penny" diary 1st Jan 11 at 11:34 AM


    Best I could come up with for a title . For those who haven't come across me before, HERE is my old diary. Hopefully I will keep this one to 2016 when I will be totally mortgage free

    2011 challenges.

    Mortgage #1
    £19,546.15 Currently
    0 Target

    Mortgages 2 & 3
    £101,668.64 Currently
    £94,803.11 Projected end of 2011
    £90,000 Target (mortgages - savings)

    BTL Mortgage on Late Mum's House
    £27,056 Currently
    £25,489.36 Projected end of 2011
    £23,000 Target


    In addition to that I have set myself some other goals. Some easy to measure, others a bit more subjective:
    1 June I will decorate the living room and buy new sofas
    2 August I will reach my target weight (the 'real' one, not the official one. I will get below 11 stone) and stay there
    3 August I will have no mortgage on my house
    4 August I will be fabulous at 50!!!!!
    5 October I will have a garden I am proud of
    6 December I will read 12 books off the BBC list
    7 Ongoing I will continue sell all possible things on ebay
    8 Ongoing I will start entering competitions again (& flog everything I win)
    9 Ongoing I will exercise for 30 mins at least once a week
    10 Ongoing I will meet up with friends at least once a month
    11 Ongoing I will continue loving life & thanking the Universe for all its' gifts

    Here goes folks!

    gg x
    Last edited by gallygirl; 03-01-2011 at 8:58 AM.
    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"
Page 284
    • Karmacat
    • By Karmacat 6th Oct 16, 9:30 AM
    • 26,544 Posts
    • 140,129 Thanks
    Karmacat
    How did you fall off a chair whilst trying to rest and recover from a headache ?????
    Only you
    Originally posted by Watty1
    Yup, this! I do that, though .

    Take it easy today, yes?

    Save
    Retired August 2016

    Goal: earnings of £25k from new opportunities from September 2016 to December 2020 when my state pension kicks in.
    Currently: 86.53/25,000
    Save
    • gallygirl
    • By gallygirl 6th Oct 16, 9:35 AM
    • 16,046 Posts
    • 105,244 Thanks
    gallygirl
    Well the headache had almost gone and I wanted to get the suitcase down to start sorting out clothes for the holiday - which obviously I still haven't done .

    Still, a few days rest does no-one any harm and I'm meeting an MSE'er later today .
    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"
    • Secret Saving Squirrel
    • By Secret Saving Squirrel 6th Oct 16, 8:18 PM
    • 3,669 Posts
    • 34,115 Thanks
    Secret Saving Squirrel
    Sounds hilarious but probably wasn't at the time.......
    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
    • Watty1
    • By Watty1 6th Oct 16, 10:49 PM
    • 2,491 Posts
    • 17,593 Thanks
    Watty1
    Really Gally is a suitcase necessary? my mum was certain one only needed to pack clean knickers!
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £68801
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 7th Oct 16, 7:45 AM
    • 7,603 Posts
    • 84,965 Thanks
    Tilly MFW in 6 YRS
    Really Gally is a suitcase necessary? my mum was certain one only needed to pack clean knickers!
    Originally posted by Watty1
    Unlike a relative of mine who went away for 4 weeks and forgot to pack any knickers. She was in her 80s. Still hasnt been allowed to forget it
    2004 £387k 29 years - MF March 2033 2011 £309k 10 years - MF March 2021.
    Goal: 28/08/15
    • gallygirl
    • By gallygirl 7th Oct 16, 9:04 AM
    • 16,046 Posts
    • 105,244 Thanks
    gallygirl
    Glad I've amused you all .

    Lovely to meet an MSE'er yesterday and at least SHE was sympathetic, though she managed to trump my injury with tales from her family .

    Mr GG back from his golf trip - obviously he was out of the picture when 'Casegate' happened - haven't showed him the scar yet, best make sure he's sitting down so there's no fractured skull from fainting onto the tiled floor .

    The weather here is fabulous at present - hot during the day and warm at night - though I had my cardi on for five minutes last night . Need to sort out a few things then I think we'll have lunch by the sea before our Spanish lesson. Oh yea, better add 'learn Spanish' to list of things to do .
    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"
    • Karmacat
    • By Karmacat 7th Oct 16, 9:22 AM
    • 26,544 Posts
    • 140,129 Thanks
    Karmacat
    A cardi! You poor thing, sounds so cold!
    Retired August 2016

    Goal: earnings of £25k from new opportunities from September 2016 to December 2020 when my state pension kicks in.
    Currently: 86.53/25,000
    Save
    • gallygirl
    • By gallygirl 8th Oct 16, 9:48 AM
    • 16,046 Posts
    • 105,244 Thanks
    gallygirl
    A cardi! You poor thing, sounds so cold!
    Originally posted by Karmacat
    Don't worry, was on for less than 5 mins last night - maybe spring is here .
    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"
    • greent
    • By greent 8th Oct 16, 5:12 PM
    • 5,196 Posts
    • 52,343 Thanks
    greent
    Unlike a relative of mine who went away for 4 weeks and forgot to pack any knickers. She was in her 80s. Still hasnt been allowed to forget it
    Originally posted by Tilly MFW in 6 YRS
    My daughter's friend packed for going away to uni and they were most of the way there (almost a 3 hour journey) when she realised that she hadn't packed any underwear at all!! Cue emerbency trip to M&S!

    At least with any scar being in a not-visible place you won't have to give the story to people of how you came about it gg!

    x
    Repaid mortgage early (originally 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
    Now repaying BTL Mtge. Opening Bal £69786. Current Bal £68286
    Net sales in 2016 £778.60/£500
    Dec grocery spends £0/ £480 NSDs 4/12
    • cazmanian_minx
    • By cazmanian_minx 9th Oct 16, 8:26 AM
    • 3,850 Posts
    • 17,485 Thanks
    cazmanian_minx
    If I'm flying out of Gatwick, I always buy my knickers there - I love the Fat Face ones, but at £7.50 a pair can't justify buying them unless they're in the sale, when they go down to £3.50 or I'm flying somewhere, when you can get them tax-free and 3 for 2, so it works out just under £4.20 a pair.
    DFW: 03/12: £27,560.88 Currently: £1,610.00 Amount paid off: £25,950.88 (94.2%)
    Home: 06/08: £145,145.00 Currently: £115,738.93 Offset: £12,153.05 Amount paid off: £29,406.07 (20.3%) Paying interest on: £103,585.88
    Croft:
    11/15: Family loan: £99,146.86 + 0% cards £45,270.00 = £144,416.86
    • ljaneyr
    • By ljaneyr 15th Oct 16, 6:06 PM
    • 1,111 Posts
    • 6,712 Thanks
    ljaneyr
    Hi GG

    I've just caught up so huge congratulations on achieving mortgage freedom

    Janey x
    Bought our house 2012 Married 2015 Started renovating 2015
    Renovation fund 100% Emergency fund 100% Future fund £2055

    "It is often said that before you die your life passes before your eyes. It is in fact true. It's called living." Terry Pratchett
    • CathT
    • By CathT 16th Oct 16, 8:08 AM
    • 4,889 Posts
    • 33,493 Thanks
    CathT
    Just catching up gg. Great to see you are 'living the dream' and continue to have a fab diary!
    June 2010 £121,287
    Dec 2016 £84,056
    WIOTW Dec £91,392
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