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  • FIRST POST
    • gallygirl
    • By gallygirl 1st Jan 11, 11:34 AM
    • 16,375Posts
    • 107,213Thanks
    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
    • 16,375 Posts
    • 107,213 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
    • 5,972 Posts
    • 43,565 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 June #1; NSD 16; Ex 15; craft 89; remove 473
    2017 MFW#63 Pay off: £2189/£4000; 2
    017 sell 110

    Mortgage £24,881 (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
    • 16,375 Posts
    • 107,213 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
    • 5,972 Posts
    • 43,565 Thanks
    apple muncher
    Equally good places to go! Lots of green and undulating landscapes. Enjoy!
    NST June #1; NSD 16; Ex 15; craft 89; remove 473
    2017 MFW#63 Pay off: £2189/£4000; 2
    017 sell 110

    Mortgage £24,881 (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
    • 16,375 Posts
    • 107,213 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
    • 16,375 Posts
    • 107,213 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
    • 3,616 Posts
    • 33,289 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
    • 7,705 Posts
    • 86,026 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
    • 16,375 Posts
    • 107,213 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
    • 10,618 Posts
    • 55,111 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
    • 27,402 Posts
    • 148,443 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
    • 16,375 Posts
    • 107,213 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
    • 5,669 Posts
    • 29,197 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.
    Money saved 2017: £3330. 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
    • 16,375 Posts
    • 107,213 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
    • 5,972 Posts
    • 43,565 Thanks
    apple muncher
    You've not gone and bought a house have you...?
    NST June #1; NSD 16; Ex 15; craft 89; remove 473
    2017 MFW#63 Pay off: £2189/£4000; 2
    017 sell 110

    Mortgage £24,881 (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
    • 10,618 Posts
    • 55,111 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
    • 315 Posts
    • 1,334 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 09.06.17 £32,828.89 MFW Target date Sept 2017;
    • gallygirl
    • By gallygirl 27th Apr 17, 10:20 AM
    • 16,375 Posts
    • 107,213 Thanks
    gallygirl
    2nd annual MSE holiday currently underway with Tilly and MWC. Having a fun time planning kitchens, bathrooms, colour schemes etc, it's great spending other people's money .

    Oh, and some gin may have been consumed .
    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 29th Apr 17, 8:30 AM
    • 5,873 Posts
    • 59,382 Thanks
    greent
    Always fun planning these things anyway - and even better when it's not your own ££ involved - and alcohol just makes the ideas and creativity flow so much more freely......
    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) £3000/£3286
    Net sales 2017 £657.00/£500 PAYDOX17 £9887/£10k Decluttered 865/2017 items
    • gallygirl
    • By gallygirl 22nd May 17, 4:27 PM
    • 16,375 Posts
    • 107,213 Thanks
    gallygirl
    Update time......it ain't big and it ain't clever
    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 Ongoing. Em, let's just say some months are better than others .
    • 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 Ongoing. Currently building up to buying a new handbag
    • 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 Oops. Turns out now I don't work any more I don't have time to research stuff like this . However, today I opened a Ford Money regular saver at 4% and have also opened a new P2P account (though no loans available at present).
    • 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 Been advised to report 2016 as non-residents so complications put off a year . DONE
    Health
    • Research going onto the Spanish NHS and register (we have to pay as we're so young ). BY END OF JAN 17 Oops
    • 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 Oops. Though I am now in the right frame of mind and doing pilates, aerobics and aquafit, all twice a week
    • 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 Done this , averaging well over 11,000 a day
    • Get Well Woman/Well Man checks done. AT LEAST BOOK BY END OF JAN 17. Oops. But I have had cholesterol tested - a little high overall but good cholesterol high which I've been told offsets it.
    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 Doing our best, just about to go to a new free class in addition to existing.
    • 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 We are too young - shame though as they do very good trips.
    • Investigate intensive courses (I don't think we're ready but no harm in starting to look) BY END OF JAN 17 Not ready for this yet, but keeping an eye out.
    Culture
    • Explore more of Spain, a new town or city each month. So far booked: January - Almeria, February - Antequera and Sevilla Done - and been back to Seville since, plus 4 days in Madrid .
    • To visit as a minimum: Granada and Cartagena and at least a three day trip elsewhere. Not been to Granada or Cartagena yet, and too hot now, so will try to do in autumn. However, we have booked 2 weeks in the North of Spain, travelling round, so counting as DONE
    • 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 Read the book, v interesting and planning on a trip to some prehistoric caves, so counting as DONE
    House
    • Decide what to do with lower terrace - then do it!! END OF SUMMER 17 Not done
    • 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 Still deciding on best places but they are being used, so DONE
    • Sort out drains - previous owner is paying but need to get it done. BY END OF MARCH 17 (let's be realistic here!!!) Waiting on Town Hall to approve closing the road so out of our hands.
    • 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 No progress, have had a look but nothing suitable.
    • Get foldaway bed that can be used in house or apartment. BY END OF DEC 16 DONE
    • Finish painting and recovering stool (abandoned by someone at the bins ) BY END OF FEB 17 ABANDONED, therefore DONE .
    Originally posted by gallygirl
    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"
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