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  • FIRST POST
    • mortgage_girl
    • By mortgage_girl 2nd Feb 11, 8:20 PM
    • 794Posts
    • 3,724Thanks
    mortgage_girl
    A blissful home - mortgage_girl's MF diary
    • #1
    • 2nd Feb 11, 8:20 PM
    A blissful home - mortgage_girl's MF diary 2nd Feb 11 at 8:20 PM
    After lurking around this board for the past 4 years I decided that it was time to take the bull by the horns and start my own diary.

    A bit about me, I have a mortgage of just over £82,000 with a current term of 19 years. I live on my own, with the exception of a sleepy snugglepuss , and work full time. I have recently split from my partner, while together we always overpaid on the mortgage, so i'm a convert to the benefits of overpaying. Now the mortgage is my sole responsibility i'm even more committed to making overpayments, both for the security it will offer me as well as the money I can save in the long run.

    At the moment i'm overpaying by £100 a month, although i'm hoping that this diary will help me to keep focussed on the task at hand and keep me motivated when the going gets tough.

    Hopefully some of you wonderful MFW's out there might also be able to give me some tips too
    2016: £3506.03 / £11,000
    2015: £10,230.37 / £11,000
    2014 =£6703.26 / £11,000 2013 = £4288.51 / £8000 2012 = £1600/£5000 2011 = £2579/£3000
    Make £10 a day challenge £143.60 / £300
    MF date was Nov 2041 - now June 2023

Page 24
    • mortgage_girl
    • By mortgage_girl 19th Jul 16, 6:47 AM
    • 794 Posts
    • 3,724 Thanks
    mortgage_girl
    Thanks BW. She's moving in in a few months so were getting some decorating done beforehand. I've sold my dining room furniture so I'm also tempted to crack on and get that room decorated too over the summer holidays whilst its empty...I've not budgeted for it but it saves doing it next year and it'll just mean I have to cut back on my op's for a few months.

    I amazed myself this morning. It's the last week of term and I've managed to get up and go for a run before work. I must be mad!

    Have a lovely Tuesday.

    MGx
    2016: £3506.03 / £11,000
    2015: £10,230.37 / £11,000
    2014 =£6703.26 / £11,000 2013 = £4288.51 / £8000 2012 = £1600/£5000 2011 = £2579/£3000
    Make £10 a day challenge £143.60 / £300
    MF date was Nov 2041 - now June 2023

    • mortgage_girl
    • By mortgage_girl 1st Aug 16, 8:28 PM
    • 794 Posts
    • 3,724 Thanks
    mortgage_girl
    Well the holidays are here! ...Well actually I'm already a week into the holidays but last week seemed to pass by in a bit of a haze of feeling under the weather and getting organised with a few garden jobs and some eb@y listing...I even went into work for a few hours to get a few jobs done. I also had the new fireplace delivered and I bought myself a new (well, reconditioned) laptop as my old one takes forever to start up and I'm convinced that it's going to go to laptop heaven pretty soon.

    I'm feeling so much better this week and looking forward to the rest of the summer holidays. I've been digging up raspberry canes today as they seem to have taken over the flower beds. I've also arranged for the chimney sweep to come round tomorrow so that everything's ready for the builder sto begin work - hopefully he'll have fitted the fireplace by the end of the week. I've also decided to go ahead and decorate the dining room now that I've sold the furniture. My gf has prepped the walls and skirting boards so I just need to buy the paper and the paint and we're ready to go. I've decided to go for a Sm3g electric wall fire as the room can be a bit cool and it'll be a nice feature. It was a bit over-priced compared to other fires but I did a bit of looking around and managed to get £80 off. It's been delivered later this week and the builder has agreed to fit it and channel the wiring through the wall. I'm really excited about getting it all done now. It's been costly and has meant that I haven't been able to make my usual op's but I've lived with the rooms as they are for 10 years now and once it's done then that'll be it for home renovations until I get the kitchen extended in a few years time.

    In non-housey news, I've been going for a run in the morning and absolutely love it. It's so lovely to take in the coast views and have the sea front virtually to myself. I've also been getting back into batch cooking and am trying to use up lots of surplus goodies that have been lurking in my cupboards for far too long. I'm currently making my own muesli from oats and my stash of dried fruit - it's surprisingly yummy. Ooh and I almost forgot to mention - I've submitted my final essay for my course, so now it's over! It has been such hard work trying to complete it alongside working full-time and I didn't realise how much it had taken it's toll on me until I finally stopped last week, but now it's done and I'm hoping not to have to work quite as much on an evening next year.

    So that's it really. I've got a few more expenses coming my way but I'm going to do what I can to make a few little op's where I can. And apart from that I'm going to make sure that I find plenty of time to unwind and relax this holiday.

    MGx
    2016: £3506.03 / £11,000
    2015: £10,230.37 / £11,000
    2014 =£6703.26 / £11,000 2013 = £4288.51 / £8000 2012 = £1600/£5000 2011 = £2579/£3000
    Make £10 a day challenge £143.60 / £300
    MF date was Nov 2041 - now June 2023

    • cookie9
    • By cookie9 8th Aug 16, 5:42 PM
    • 663 Posts
    • 3,354 Thanks
    cookie9
    Hope the decorating is going well.
    MFW 91 op 2014 £410/1000
    MFW 91 op 2015 £4051/4000
    MFW 91 op 2016 £1720/4000
    • mortgage_girl
    • By mortgage_girl 9th Aug 16, 9:32 PM
    • 794 Posts
    • 3,724 Thanks
    mortgage_girl
    Thanks for stopping by cookie. I've been so busy that I haven't had time to come online. The past week has consisted of lots of multi-tasking - I've sorted out lots of 'treasures' to sell so have gradually been listing those on eb@y, I've weeded the flower bed and cut the triffid hedge (!), the chimney has been swept and the fireplace has been fitted - it looks fabulous, I'm so happy with it. I've also had another trip to BnQ for some more paint and wallpaper and came back £160 poorer it was all essential stuff though. Today I've been busy coating the plasterwork ready for papering and my gf has been busy painting the dining room walls. Tomorrow we're going carpet shopping and I'm going to start sanding the living room walls ready for painting - oh and I'm hopefully selling my old chicken coop so that'll be a few more pennies to go towards the decorating funds.
    So yes, it's been quite a busy week - I don't know how I ever find the time to go to work - thank goodness for holidays!

    MGx
    2016: £3506.03 / £11,000
    2015: £10,230.37 / £11,000
    2014 =£6703.26 / £11,000 2013 = £4288.51 / £8000 2012 = £1600/£5000 2011 = £2579/£3000
    Make £10 a day challenge £143.60 / £300
    MF date was Nov 2041 - now June 2023

    • BookWorm
    • By BookWorm 13th Aug 16, 5:58 PM
    • 2,201 Posts
    • 13,606 Thanks
    BookWorm
    Hello MG

    You sound like you are having a super productive break- decorating is going great guns! Also glad to see that I'm not the only one being spendy

    Hope you are managing to have plenty of fun and chill time in between though.

    Hugs BW x
    • Moneyfordreams
    • By Moneyfordreams 13th Aug 16, 7:28 PM
    • 645 Posts
    • 3,042 Thanks
    Moneyfordreams
    I seem to be spending on our home too.... still I think cost effectively, we need to love the homes we work so hard for
    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 £168060
    Car loan finished oct 16
    h@lifax CC £5360 0% until May 2018.. will pay minimum for now, slow stooze
    • mortgage_girl
    • By mortgage_girl 28th Aug 16, 5:21 PM
    • 794 Posts
    • 3,724 Thanks
    mortgage_girl
    Thanks for stopping by BW and Moneyfordreams. I've finally managed to get some time to visit MSE land, not that I've done much money saving recently- this decorating lark keeps expanding. Not only has it gone from just doing the living room to doing the dining room aswell but our search for a dining table expanded into getting a brand new sideboard and bookshelf...and then a tv stand and nest of tables too. And despite doing all the painting ourselves we decided to get someone to wallpaper the feature walls as we just didn't feel confident in tackling ourselves, especially with it being expensive patterned paper. However, we discovered that we'd bought far too much paper and with a tin of paint I ended up getting a £70 refund from BnQ which I'm sure wouldn't have happened if we'd have tried to paper the walls ourselves...so that almost covered the cost of the decorator.

    The carpets were fitted on Friday and the furniture is being delivered this Thursday so all being well it'll almost be finished before I go back to work.All we're waiting for is the sofas being delivered in September. I'm shattered (and skint!) but it's been well worth it and I'd have rather have spent my money on tackling these two rooms than a fancy holiday - they look fab!

    I sold the old chicken coop and have managed to sell quite a few bits on eB@y (I can't believe what people will buy!) so the extra money is going towards the decorating costs. I'll also have to cut down on my mortgage op's for a few months to recouperate my saving stash and pay off the credit card.

    Anyway, for the past 5 weeks all I seem to have done is eat, sleep and breathed decorating so I'm looking forward to a bit of chill time during the final week of my hols. The trouble is that I keep finding more and more stuff to list on eB@y...I'm sure I'll be a minimalist by the time I've finished!
    MGx
    2016: £3506.03 / £11,000
    2015: £10,230.37 / £11,000
    2014 =£6703.26 / £11,000 2013 = £4288.51 / £8000 2012 = £1600/£5000 2011 = £2579/£3000
    Make £10 a day challenge £143.60 / £300
    MF date was Nov 2041 - now June 2023

    • BookWorm
    • By BookWorm 28th Aug 16, 8:26 PM
    • 2,201 Posts
    • 13,606 Thanks
    BookWorm
    Hello MG lovely to 'see you'. You have been busy - sounds great though. I'm sure you will be thrilled with it when you are finished too.
    Hope you have a lovely last week of the hols x
    • mortgage_girl
    • By mortgage_girl 28th Aug 16, 9:48 PM
    • 794 Posts
    • 3,724 Thanks
    mortgage_girl
    Lovely to 'see you' too, BW. I literally haven't had a minute to log on which is a bit ironic considering I've had 5 weeks worth of holidays! It's amazing how much the decorating has taken over. Nearly done now, thank goodness. I had a mini meltdown last Thursday as I was just so fed up of my house been upside down - the only 'chaos free' rooms were my bedroom and the bathroom. Really looking forward to getting back to normality. I've already started a 'to do' list for next week but need to make sure I have some quiet time too as I am feeling a bit drained at the moment - have some quiet birthday family time planned for Tuesday which will be nice, it will also mark a year since my grandad passed away - the time seems to have flown by.

    Tonight I have listed another 5 items on eB@y as I just need to keep things ticking over / declutter. And now I think I'm going to get tucked up in bed and read for a bit.

    MGx
    2016: £3506.03 / £11,000
    2015: £10,230.37 / £11,000
    2014 =£6703.26 / £11,000 2013 = £4288.51 / £8000 2012 = £1600/£5000 2011 = £2579/£3000
    Make £10 a day challenge £143.60 / £300
    MF date was Nov 2041 - now June 2023

    • BookWorm
    • By BookWorm 29th Aug 16, 7:53 AM
    • 2,201 Posts
    • 13,606 Thanks
    BookWorm
    Definitely take some time for yourself hun. Hugs x
    • BookWorm
    • By BookWorm 17th Sep 16, 1:43 PM
    • 2,201 Posts
    • 13,606 Thanks
    BookWorm
    Hellooooooo - anyone home?

    Hope that your return to school hasn't been too busy/difficult/etc

    Hugs BW x
    • mortgage_girl
    • By mortgage_girl 25th Sep 16, 8:36 PM
    • 794 Posts
    • 3,724 Thanks
    mortgage_girl
    Hellooooo! I'm finally back! Thanks for stopping by BW, I didn't intend to stay away for so long but life has been extremely busy. Soooo...a quick update, the furniture has been delivered and things are looking a bit more normal in the MG household...I went on another spending spree (which was planned) and bought a couple of canvases from my favourite artist to go in the living room, they're huge but beautiful and look perfect.

    The house is still pretty much upside down as i'm trying to declutter the back bedroom which had become the junk (ahem, storage) room, so I've got boxes of stuff to list on eb@y as well as boxes of stuff that I've listed. In addition to that my gf keeps dropping off boxes ready for the 'big move' so things are pretty much still topsy-turvy. My goal is to get the junk room in order by Friday - I'll just keep chipping away at it a bit at a time on an evening after work. I've got someone coming to buy some things from me tomorrow night so that will help me to clear some space (as well as earn some much needed pennies for for the furniture fund).

    Work has been busy but I've been trying to keep on top of things, so I don't feel like I'm chasing my tail too much. I've been managing to get up for a run before going to work which has helped me feel less groggy in the mornings too. I'm just trying to strike the balance right with what I eat now as I felt a bit drained this weekend (and even went for a cheeky afternoon snooze yesterday).

    I've managed to make a few small op's to keep things ticking over but most of my money has been directed to the cc to pay off my furniture spends. Apart from that, there's nothing else to report, life seems to be tied up with work and clearing space for the big move at the moment, so it's all a bit hectic.

    Looking forward to catching up with everyone's diaries.

    MGx
    2016: £3506.03 / £11,000
    2015: £10,230.37 / £11,000
    2014 =£6703.26 / £11,000 2013 = £4288.51 / £8000 2012 = £1600/£5000 2011 = £2579/£3000
    Make £10 a day challenge £143.60 / £300
    MF date was Nov 2041 - now June 2023

    • mortgage_girl
    • By mortgage_girl 18th Oct 16, 8:23 PM
    • 794 Posts
    • 3,724 Thanks
    mortgage_girl
    Sooo it hasn't exactly been a blissful home over here for the last few weeks with mammoth packing, decluttering and general space clearing activities. It's definitely disrupted my mojo (ooh I feel all Austin Powers)! However, the good news is that I now have someone to come home to at the end of the day - yes, she's finally moved in! I came home on Monday to a delicious homecooked tea of spaghetti and meatballs which was lovely. The house is still full of boxes and there's a lot of sorting to do but we'll get there in the end. Thankfully there's only this week to go and then we get a week off so we'll be able to get a bit more done then.

    MGx
    2016: £3506.03 / £11,000
    2015: £10,230.37 / £11,000
    2014 =£6703.26 / £11,000 2013 = £4288.51 / £8000 2012 = £1600/£5000 2011 = £2579/£3000
    Make £10 a day challenge £143.60 / £300
    MF date was Nov 2041 - now June 2023

    • CathT
    • By CathT 19th Oct 16, 6:48 AM
    • 4,886 Posts
    • 33,480 Thanks
    CathT
    That's wonderful news MG.
    June 2010 £121,287
    Nov 2016 £84,680
    WIOTW Nov £92,214
    • mortgage_girl
    • By mortgage_girl 23rd Oct 16, 7:03 PM
    • 794 Posts
    • 3,724 Thanks
    mortgage_girl
    Thanks Cath. We've survived the first week together and it hasn't felt as odd as I thought it would. We seem to have settled into living together really quickly and it almost feels like she's been here forever (in a good way ). There's still a lot of sorting to do but we only have 2 'chaotic rooms' now as opposed to a house full.

    We got rid of a load of 'extras' yesterday. A man from the local auction house came to pick them up. It was mostly duplicate kitchen bits and pieces but we had 7 boxes full of stuff so it feels good to clear some space and hopefully we'll get a bit of money for them to put towards a few house extras that we need. I've got another 4 items that have sold on eb@y to post tomorrow too and hopefully i'll get a few bits listed this week to keep that ticking over.

    Did I mention that it's half term? There's some decuttering to do and some gardening, as well as Christmas cake making...shhhh...did someone say Christmas. But we're also going to have a couple of days out and maybe a day or two just to chill at home - bliss.

    Hope everyone is having a relaxing Sunday.

    MGx
    2016: £3506.03 / £11,000
    2015: £10,230.37 / £11,000
    2014 =£6703.26 / £11,000 2013 = £4288.51 / £8000 2012 = £1600/£5000 2011 = £2579/£3000
    Make £10 a day challenge £143.60 / £300
    MF date was Nov 2041 - now June 2023

    • mortgage_girl
    • By mortgage_girl 26th Oct 16, 8:58 AM
    • 794 Posts
    • 3,724 Thanks
    mortgage_girl
    Well what fab weather we're having for October. I don't remember it being this warm last year - although I know it wasn't as cold as expected. I'm going to go out in the garden for an hour or so and carry on emptying the raised bed. We're moving the plum tree there to make way for the coal bunker. It's a slow process as there's only so many loads of soil I can carry in one go so I'll just keep chipping away at it a bit at a time. We're going out for lunch, which will be a welcome break, then tonight I want to get the Christmas cake ingredients ordered.

    I'm trying to stretch out the rest of my wages til payday on Monday rather than dipping into savings. We're going out for the day tomorrow and need a few bits of shopping so things could be a bit tight.

    MGx
    2016: £3506.03 / £11,000
    2015: £10,230.37 / £11,000
    2014 =£6703.26 / £11,000 2013 = £4288.51 / £8000 2012 = £1600/£5000 2011 = £2579/£3000
    Make £10 a day challenge £143.60 / £300
    MF date was Nov 2041 - now June 2023

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