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  • FIRST POST
    • gallygirl
    • By gallygirl 1st Jan 11, 11:34 AM
    • 16,292Posts
    • 106,601Thanks
    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 286
    • gallygirl
    • By gallygirl 3rd Mar 17, 6:42 PM
    • 16,292 Posts
    • 106,601 Thanks
    gallygirl
    Gallygirl, are you a project manager by any chance?!
    Originally posted by FloppyDisk
    No but I'm a Virgo .

    I was exhausted just reading your list..... Well done x
    Originally posted by Secret Saving Squirrel
    Would have been impressive if I'd actually achieved any of it .
    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"
    • apple muncher
    • By apple muncher 3rd Mar 17, 8:10 PM
    • 5,731 Posts
    • 41,858 Thanks
    apple muncher
    All those colours were swirling around before my eyes!


    If/when you do go north, I recommend Galicia and Asturias. Awesome walking, Camino territory...
    NST April #10; NSD 12; Ex 14; craft 66; remove 135
    2017 MFW#63 Pay off: £1720/£4000; 2
    017 sell 30

    Mortgage £27,295 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • gallygirl
    • By gallygirl 3rd Mar 17, 8:28 PM
    • 16,292 Posts
    • 106,601 Thanks
    gallygirl

    If/when you do go north, I recommend Galicia and Asturias. Awesome walking, Camino territory...
    Originally posted by apple muncher
    Thanks AM, we're deliberately missing those areas this time as I'd like to do some of the Camino maybe next year. Will be round the Santander/Bilbao area I think, but a bit inland.
    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"
    • apple muncher
    • By apple muncher 3rd Mar 17, 8:58 PM
    • 5,731 Posts
    • 41,858 Thanks
    apple muncher
    Equally good places to go! Lots of green and undulating landscapes. Enjoy!
    NST April #10; NSD 12; Ex 14; craft 66; remove 135
    2017 MFW#63 Pay off: £1720/£4000; 2
    017 sell 30

    Mortgage £27,295 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • gallygirl
    • By gallygirl 6th Mar 17, 8:18 PM
    • 16,292 Posts
    • 106,601 Thanks
    gallygirl
    Second Annual MSE Get-Together-In-The-Sun booked
    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"
    • gallygirl
    • By gallygirl 6th Mar 17, 9:16 PM
    • 16,292 Posts
    • 106,601 Thanks
    gallygirl
    In other, money saving related news (ish.....) my 'orchard' is doing well . The orange trees are covered in blossom, it smells beautiful, amazing how much scent comes from two trees . The lemon tree which I didn't even notice flowering last year (though it must have, as it produced six lemons ) is also flowering, not as copiously but even so . I'd never actually smelled lemon blossom before, it's very different to orange, quite sharp and almost citrusy. And my 'mystery tree' is also flowering so I've been able to identify it as a peach tree (always a strong possibility as quite a few peach stones on ground beneath it but always a chance the previous owners could have chucked them there from the roof terrace ). So, hopefully a few peaches this year and lots of lemons and oranges .

    Which will go a long way to offsetting the massive electricity bills - over €300 in three months .
    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"
    • muddywhitechicken
    • By muddywhitechicken 6th Mar 17, 9:32 PM
    • 3,581 Posts
    • 32,988 Thanks
    muddywhitechicken
    Second Annual MSE Get-Together-In-The-Sun booked
    Originally posted by gallygirl
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: ~£52,000
    Current total overpayments: ~£106,250
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 6th Mar 17, 10:26 PM
    • 7,644 Posts
    • 85,398 Thanks
    Tilly MFW in 6 YRS
    Second Annual MSE Get-Together-In-The-Sun booked
    Originally posted by gallygirl
    God help us.
    2004 £387k 29 years - MF March 2033
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15
    • gallygirl
    • By gallygirl 7th Mar 17, 8:25 AM
    • 16,292 Posts
    • 106,601 Thanks
    gallygirl
    God help us.
    Originally posted by Tilly MFW in 6 YRS
    Right missus - into the tumble drier with you .
    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"
    • edinburgher
    • By edinburgher 7th Mar 17, 8:28 AM
    • 10,494 Posts
    • 54,665 Thanks
    edinburgher
    Right missus - into the tumble drier with you .
    Originally posted by gallygirl
    Just take your book Tilly, GG will have a reading light in there for you
    • Karmacat
    • By Karmacat 7th Mar 17, 8:31 AM
    • 27,097 Posts
    • 145,167 Thanks
    Karmacat
    Just take your book Tilly, GG will have a reading light in there for you
    Originally posted by edinburgher


    And there will be no "dryer" sheets - there will be real orange blossom instead

    Save
    Retired August 2016

    Goal: earnings of £25k from new opportunities from September 2016 to December 2020 when my state pension kicks in.Save
    • gallygirl
    • By gallygirl 12th Mar 17, 9:41 AM
    • 16,292 Posts
    • 106,601 Thanks
    gallygirl
    In other exciting news - the ospreys are starting their journey back . Won't be long till they are back on camera: http://www.ospreys.org.uk/webcam/
    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"
    • AlexLK
    • By AlexLK 12th Mar 17, 11:00 PM
    • 5,565 Posts
    • 28,456 Thanks
    AlexLK
    Looking forward to them returning.

    Can't believe this will be the third year that my son and I will be following them, though.
    Savings 2017: £1490. 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.
    • gallygirl
    • By gallygirl 30th Mar 17, 6:55 PM
    • 16,292 Posts
    • 106,601 Thanks
    gallygirl


    Wanted to look something up on rightmove for DS.

    Found app in 'Shopping' folder rather than 'Finance'.

    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"
    • apple muncher
    • By apple muncher 30th Mar 17, 8:02 PM
    • 5,731 Posts
    • 41,858 Thanks
    apple muncher
    You've not gone and bought a house have you...?
    NST April #10; NSD 12; Ex 14; craft 66; remove 135
    2017 MFW#63 Pay off: £1720/£4000; 2
    017 sell 30

    Mortgage £27,295 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • edinburgher
    • By edinburgher 30th Mar 17, 8:52 PM
    • 10,494 Posts
    • 54,665 Thanks
    edinburgher
    You've not gone and bought a house have you...?
    Originally posted by apple muncher
    Nah, GG's moved on to apartment blocks
    • chumpy45
    • By chumpy45 30th Mar 17, 9:10 PM
    • 274 Posts
    • 1,099 Thanks
    chumpy45
    Just one small slip of the finger and a house just slips into your basket
    Starting Mortgage 01.08.08 £171,209.24. Mortgage as at 01.09.15 - £54,780.04; 01.11.15 £49,577.04;01.03.16 £45,799.32; 01.08.16 £42,418.93; 01.10.16 £40,119.5 01.02.17 £36,584.00; 01.04.17 £34,694.71 MFW Target date Sept 2017;
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