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
    • gallygirl
    • By gallygirl 1st Jan 11, 11:34 AM
    • 16,381Posts
    • 107,280Thanks
    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
    • 27,467 Posts
    • 149,121 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
    • gallygirl
    • By gallygirl 6th Oct 16, 9:35 AM
    • 16,381 Posts
    • 107,280 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
    • 3,834 Posts
    • 35,581 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
    • 2,713 Posts
    • 19,010 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 £52963
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 7th Oct 16, 7:45 AM
    • 7,715 Posts
    • 86,116 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.
    Achieved Goal: 28/08/15
    • gallygirl
    • By gallygirl 7th Oct 16, 9:04 AM
    • 16,381 Posts
    • 107,280 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
    • 27,467 Posts
    • 149,121 Thanks
    Karmacat
    A cardi! You poor thing, sounds so cold!
    Retired August 2016
    • gallygirl
    • By gallygirl 8th Oct 16, 9:48 AM
    • 16,381 Posts
    • 107,280 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
    • 5,928 Posts
    • 59,905 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
    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) £3490/£3286
    Net sales 2017 £753.38/£500 PAYDOX17 £10335/£10k Decluttered 11700/2017 items
    • cazmanian_minx
    • By cazmanian_minx 9th Oct 16, 8:26 AM
    • 4,004 Posts
    • 18,410 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.
    Home: 06/08: £145,145.00 Currently: £114,428.66 Offset: £51,337.84 Amount paid off: £30,716.34 (21.2%) Paying interest on: £63,090.82
    Holiday let:
    02/17: £177,416.86 (Family loan: £129,146.86 + 0% cards £48,270.00) Currently: £175,566.86 Amount paid off: £1,850.00 (1.04%)
    Sugar days 2017: 15/26 Debt-free: 17/02/2017
    • ljaneyr
    • By ljaneyr 15th Oct 16, 6:06 PM
    • 1,132 Posts
    • 6,825 Thanks
    ljaneyr
    Hi GG

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

    Janey x
    "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

    Bought our house 2012 Married 2015 Started renovating 2015
    Renovation fund... what renovation fund? Emergency fund 40% Future fund... ongoing...
    • CathT
    • By CathT 16th Oct 16, 8:08 AM
    • 5,193 Posts
    • 35,663 Thanks
    CathT
    Just catching up gg. Great to see you are 'living the dream' and continue to have a fab diary!
    July 2017 -
    part 1 - £80,702
    part 2 - £46,583
    Total - £127,285
    • gallygirl
    • By gallygirl 31st Dec 16, 9:20 AM
    • 16,381 Posts
    • 107,280 Thanks
    gallygirl
    "Blows tumbleweed off diary and slinks back in" .

    Oh dear, I have neglected this haven't I .

    So, since I last posted we've had three weeks in the US - two and a bit fab weeks and a bit not so fab - both Mr GG and I under the weather (probably from scurvy as fresh veg seem to be hard to find in the US ).

    Came back to an almost completed kitchen which is now done and I love it .

    Also had a trip back to the UK - too chuffing cold and expensive so won't be doing that again in a hurry .

    Finally we were away for five nights over Christmas - em, a slightly different image of Spain to where we live . We had a good time but won't be back there!

    So, now I need to decide what to do with my diary. Having read GoldieGirl's yesterday I did think I would retire my diary also, however I do have a lot I want to achieve and this makes me more accountable so I'm afraid you're stuck with me for the time being . Will think about 2017 goals, will probably add to them over the next few days.
    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"
    • Debsnewbudget
    • By Debsnewbudget 31st Dec 16, 9:42 AM
    • 231 Posts
    • 2,144 Thanks
    Debsnewbudget
    So glad you are back
    Looking forward to reading more
    • gallygirl
    • By gallygirl 31st Dec 16, 9:51 AM
    • 16,381 Posts
    • 107,280 Thanks
    gallygirl
    2017 Goals

    Financial
    • Keep to our fairly generous household budget. Continue to monitor spending and try to build a small surplus. I've rejigged how I keep track so hopefully it will be easier. CONTINUOUS
    • Don't be afraid to spend some of my own money - I've taken (and spent/reinvested) the 25% lump sum but need to overcome my fear of touching at least some on an annual basis. To stop Mr GG moaning about me buying unnecessary things for the house as much as anything . CONTINUOUS
    • Look at how our cash is invested. At present we have a small amount in P2P, a small amount in 5% accounts, 20k getting 3% and the rest is getting 1.2%. Need to think about what to do. BY END OF FEB 17
    • Tax - we're Spanish residents and I need to find someone who can properly advise us, especially as we became resident in September, the Spanish tax year ends 31st December and the UK tax year ends 5th April. BY END OF FEB 17
    Health
    • Research going onto the Spanish NHS and register (we have to pay as we're so young ). BY END OF JAN 17
    • Get a grip of my weight (there's plenty to grip ). Stop acting as if we're on holiday - eat out less and drink a lot less. Lose 2.5 stone. 1 stone by Easter 17
    • Inspired by NG, walk 3,000,000 steps . This is less than 10,000 a days so perfectly doable. CONTINUOUS, BUT NEED TO GET AHEAD AS WILL DROP OFF IN SUMMER
    • Get Well Woman/Well Man checks done. AT LEAST BOOK BY END OF JAN 17
    Spanish. We are probably in the top 5% of Spanish speaking ex pats but sadly that's a reflection on the others lack of ability rather than our progress.
    • Continue with Spanish lessons and practice when we can CONTINUOUS
    • Join the 3rd Age bar (though we're officially too young ) to give us access to more Spanish speakers - that is our biggest problem here really. BY END OF JAN 17
    • Investigate intensive courses (I don't think we're ready but no harm in starting to look) BY END OF JAN 17
    Culture
    • Explore more of Spain, a new town or city each month. So far booked: January - Almeria, February - Antequera and Sevilla
    • To visit as a minimum: Granada and Cartagena and at least a three day trip elsewhere.
    • Find out more about the local area. Start by reading the book I bought Mr GG for Christmas last year, which neither of us have read . BY END OF JAN 17
    House
    • Decide what to do with lower terrace - then do it!! END OF SUMMER 17
    • Lighting for roof terrace and main terrace - I have some strong and not so strong solar lights which we will probably move round - but need to put hooks up for them. BY EASTER 17
    • Sort out drains - previous owner is paying but need to get it done. BY END OF MARCH 17 (let's be realistic here!!!)
    • Utility room. DK what, just do something with it!!!!! It's too big and characterless. There is room for a temporary bed so need to make sure I leave room for that but I would like a big armoire for linen. That will probably end up being an upcycled wardrobe . BY END OF SUMMER 17
    • Get foldaway bed that can be used in house or apartment. BY END OF DEC 16
    • Finish painting and recovering stool (abandoned by someone at the bins ) BY END OF FEB 17
    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 31st Dec 16, 9:52 AM
    • 5,928 Posts
    • 59,905 Thanks
    greent
    Am glad you've decided not to retire your diary 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) £3490/£3286
    Net sales 2017 £753.38/£500 PAYDOX17 £10335/£10k Decluttered 11700/2017 items
    • Popgirl
    • By Popgirl 31st Dec 16, 9:55 AM
    • 122 Posts
    • 437 Thanks
    Popgirl
    Glad you have decided to continue with your diary I like reading about your adventures and your life in Spain.

    Happy New Year GG
    • smallholdingsister
    • By smallholdingsister 31st Dec 16, 12:32 PM
    • 3,289 Posts
    • 24,263 Thanks
    smallholdingsister
    Do you need to add "Don't buy any accidental houses'?
    • Watty1
    • By Watty1 31st Dec 16, 12:40 PM
    • 2,713 Posts
    • 19,010 Thanks
    Watty1
    So glad diary not retiring. Look forwards to updates
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £52963
    • apple muncher
    • By apple muncher 31st Dec 16, 1:11 PM
    • 6,051 Posts
    • 44,124 Thanks
    apple muncher
    Just offering my services to help you improve your Spanish... My passport is valid, but I'm limited to school holidays. (And would have to bring dd with me...)

    ¡Esta oferta no tiene limite!
    NST Joyful July #2; NSD 11; Ex 18; craft 110; remove 477
    2017 MFW#63 Pay off: £2239/£4050; 2
    017 sell 110

    Mortgage £24,831 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
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

4,617Posts Today

8,874Users online

Martin's Twitter
  • Byebye! I'm about to stop work & twitter, to instead spend glorious time with Mrs & mini MSE. Wishing u a lovely summer. See u in 10 days.

  • WARNING Did you start Uni in or after 2012? The interest's rising to 6.1%; yet it doesnt work like you think. See https://t.co/IQ8f0Vyetu RT

  • RT @JanaBeee: @MartinSLewis Boris is the anomaly (coffee), the others are versions of normal (beer). Lots of same candidates = vote share d?

  • Follow Martin