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  • FIRST POST
    • mortgage_girl
    • By mortgage_girl 2nd Feb 11, 8:20 PM
    • 840Posts
    • 3,848Thanks
    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
    2017: £6398.46 / £11,000
    2016: 4557.98 / £11,000 2015: £10,230.37 / £11,000
    2014 =£6703.26 / £11,000 2013 = £4288.51 / £8000 2012 = £1600/£5000 2011 = £2579/£3000
    MF date was Nov 2041 - now April 2022

Page 25
    • mortgage_girl
    • By mortgage_girl 22nd Jan 17, 7:24 PM
    • 840 Posts
    • 3,848 Thanks
    mortgage_girl
    Thanks cookie. Oh they're soo lovely - if you google Jack Monroe's beetballs you'll find the recipe I use. They're so cheap and easy to make and they're delicious too!

    So this week has been manic at work, I've felt like I've been coming down with the lurgey but seem to have shook it off after a couple of grotty days with it. I've also been looking after my gf who has done her back in and being signed off.

    I've been keeping a close eye on my budget and trying to eek it out until payday - almost there now.

    I've had quite a few vouchers through - I received my £30 M&S voucher from my new credit card so I'll be putting that towards a new dressing gown. I've also redeemed £15 worth of Am@zon vouchers from sb. I've traded my old phone, xbox console and my replacement fitbit (received my 2nd in a year a couple of days ago ) in with C3X and the vouchers to upgrade my fitbit to a model that hopefully isn't flawed. I love the app and really didn't want to change to another fitness band so I've effectively upgraded for free.

    Today I changed my landline provider to +net (who I already have broadband with). I quoted the Sky offer and although they couldn't quite match it, I managed to get unlimited interent for £4.99 a month plus £4.00 for evening and weekend calls and their line rental saver for £185, which I'm happy with. I also went over to my Nanna's and found out that she was being charged £35 a month by her landline provider so have switched her over too - considering she was paying £13.50 a month for her internet previously it's a substantial saving. So I feel like I've got off to a good start on a MSE 2017. Let's hope I can keep it going.

    Hope everyone is having a chilled Sunday.

    MGx
    2017: £6398.46 / £11,000
    2016: 4557.98 / £11,000 2015: £10,230.37 / £11,000
    2014 =£6703.26 / £11,000 2013 = £4288.51 / £8000 2012 = £1600/£5000 2011 = £2579/£3000
    MF date was Nov 2041 - now April 2022

    • mortgage_girl
    • By mortgage_girl 22nd Jan 17, 7:27 PM
    • 840 Posts
    • 3,848 Thanks
    mortgage_girl
    ...Ooh and I managed to pick up some bargain gifts for my gf this weekend - a £6.00 S@nctuary Sp@ gift set from the 70% B00ts sale and a M@rtina C0le book box set from Smiths for just £2.00 - bargain!

    MGx
    2017: £6398.46 / £11,000
    2016: 4557.98 / £11,000 2015: £10,230.37 / £11,000
    2014 =£6703.26 / £11,000 2013 = £4288.51 / £8000 2012 = £1600/£5000 2011 = £2579/£3000
    MF date was Nov 2041 - now April 2022

    • mortgage_girl
    • By mortgage_girl 4th Feb 17, 9:04 AM
    • 840 Posts
    • 3,848 Thanks
    mortgage_girl
    Morning all!

    Well January seemed to fly by, I just don't know where the time goes. I mostly managed to stay within budget for the month and seemed to have curbed the pre Christmas spending splurge, I've closed a couple of CC's that I really don't use and have updated my accounts.

    I have started to switch to the H*BC Advance account with a view to switching one of my current accounts over but they seem to be taking ages to actually open the account. It may just be me being impatient though as I've not opened up an account for a very long time.

    My new fitbit has arrived and I absolutely love it. I went for the charge 2 in the end and it's a huge improvement on the original charge hr and much more comfortable to wear too. I also bought a new running watch from the Am@zon daily deals. It was reduced by 75% and has an inbuilt heartrate tracker which means no more heartrate strap wearing for me. I used vouchers to pay for it and just had to add £25 which I'm hoping to offset through selling my old running watch - hmmm...there's a bit of an extreme frugal theme going on this year! .

    In other extreme frugalling news, I popped into M&S last weekend and managed to get £45.00 worth of clothes for the princely sum of £4.00. I had a £30 voucher which I'd received for taking out their credit card, took advantage of some 3 for 2 offers and had a till receipt that gave me £5.00 off a £35.00 spend. They were all things that I wanted and been planning to buy too, so it wasn't an impulse spend.

    Right, I hear the kettle calling. Have a lovely Saturday.

    MGx
    2017: £6398.46 / £11,000
    2016: 4557.98 / £11,000 2015: £10,230.37 / £11,000
    2014 =£6703.26 / £11,000 2013 = £4288.51 / £8000 2012 = £1600/£5000 2011 = £2579/£3000
    MF date was Nov 2041 - now April 2022

    • cookie9
    • By cookie9 5th Feb 17, 11:04 AM
    • 737 Posts
    • 3,639 Thanks
    cookie9
    Well done on all your bargains MG!
    MFW 91 op 2014 £410/1000
    MFW 91 op 2015 £4051/4000
    MFW 91 op 2016 £4040/4000
    MFW 91 op 2017 £812/4500
    • mortgage_girl
    • By mortgage_girl 6th Feb 17, 7:35 AM
    • 840 Posts
    • 3,848 Thanks
    mortgage_girl
    Thanks cookie.

    MGx
    2017: £6398.46 / £11,000
    2016: 4557.98 / £11,000 2015: £10,230.37 / £11,000
    2014 =£6703.26 / £11,000 2013 = £4288.51 / £8000 2012 = £1600/£5000 2011 = £2579/£3000
    MF date was Nov 2041 - now April 2022

    • BookWorm
    • By BookWorm 12th Feb 17, 8:16 PM
    • 2,288 Posts
    • 13,929 Thanks
    BookWorm
    Just wanted to pop by and say hello Are you on h/t this week?

    I totally get what you mean about time whizzing past. This year sure seems to be flying

    x
    • mortgage_girl
    • By mortgage_girl 12th Feb 17, 8:40 PM
    • 840 Posts
    • 3,848 Thanks
    mortgage_girl
    Hi BW it's so lovely to see you. No we don't break up until Friday, however I've been fighting the lurgey since last Wednesday and it's completely wiped me out this weekend so I don't think I'll be going in tomorrow. I'm hoping that aother day of rest will see me fit for Tuesday.

    In not so extreme frugalling news, this is the first week that I've written a meal plan in a long time and we've actually stuck to it so that's a minor victory (and something that I intend to keep going). I've also managed to sell another couple of bits on eb@y so that's another £30 profit. I don't think I mentioned my 'grand offsetting plan' in my last post (I think I was too preoccupied with my fitbit - oops) but I'm taking my gf away to Italy for her birthday, as it's a significant one, and I'm trying to offset the cost by selling my unwanted 'treasures', completing surveys etc. It's helping to keep me motivated and is making me reduce the amount of clutter I have...this decluttering seems to go on forever! So my goal is to make about £260 a month, I'm currently at £109 so we'll see how it goes.

    I also watched a film yesterday called 'Minimalism: A Documentary About the Important Things' which has really inspired me to get rid of my excess stuff once and for all...although it's also made me want to buy a few books about minimalism which kind of defeats the object! I am going to reduce the amount of 'stuff' I have - I need to shift this lurgey first though and get some of my energy back.

    Hope you're having a chilled Sunday.

    MGx
    2017: £6398.46 / £11,000
    2016: 4557.98 / £11,000 2015: £10,230.37 / £11,000
    2014 =£6703.26 / £11,000 2013 = £4288.51 / £8000 2012 = £1600/£5000 2011 = £2579/£3000
    MF date was Nov 2041 - now April 2022

    • BookWorm
    • By BookWorm 12th Feb 17, 9:32 PM
    • 2,288 Posts
    • 13,929 Thanks
    BookWorm
    Sorry to hear you have been poorly. Sending you 'well vibes' and hope you are on the mend soon. On the positive side, at least you should be well for h/t

    The trip to Italy sounds lovely. Does the gf know or is it a surprise? The offsetting sounds like it's going well - great idea - good luck with the rest of it

    x
    • mortgage_girl
    • By mortgage_girl 12th Feb 17, 11:28 PM
    • 840 Posts
    • 3,848 Thanks
    mortgage_girl
    Thank you BW. I feel better than I did yesterday so things are heading in the right direction. I just need some time to rest and build my strength back up as this is the second bout of illness I've had this year. I don't usually get ill so I think I'm a bit run down.

    Yes she knows all about it as we went to the travel agents together so that she could choose it. I'm not a seasoned traveller so I wouldn't have had a clue.

    MGx
    2017: £6398.46 / £11,000
    2016: 4557.98 / £11,000 2015: £10,230.37 / £11,000
    2014 =£6703.26 / £11,000 2013 = £4288.51 / £8000 2012 = £1600/£5000 2011 = £2579/£3000
    MF date was Nov 2041 - now April 2022

    • mortgage_girl
    • By mortgage_girl 19th Feb 17, 10:36 PM
    • 840 Posts
    • 3,848 Thanks
    mortgage_girl
    Half term is finally here I'm feeling quite organised and have written myself a to-do list and have already ticked 6 things off. It's been busy so far as my gf has caught the lurgey so has been in bed for two days and I've been trying to get the house jobs done as well as playing nurse. Thankfully she's on the mend now.

    I've started decluttering (does it ever end?) and have been really trying to focus on what I actually need and what I don't. I've gone through my things in the bedroom and pared them down into recycle, donate and eb@y piles and I've gathered a stash of 'must use up' items together. I've also done a bit of schoolwork and tidied the pots of weeds that were lurking on the decking.

    It's been lovely to have a bit of sunshine today, it really does lift the mood... the chucks must have felt the same way too as I got my first egg of the year today, she was very proud and clucked away in the doorway of the coop announcing it to the world.

    I've been a bit of a bargain hunter today as mus!c magp!e have a bogof offer on their books with free postage so I managed to get 10 books for under £15 and cash back through tcb - bargainous! I'm not a book hoarder anymore (unless it's really special) so they'll be passed on once I've read them.

    I've withdrawn another £30 from eb@y this week and have had some cash back / bt refunds hit my account so that's another £50 to the savings pot. I've also got another £10 of am@zon vouchers on the way so I'm at £160 of my £260 target for the month. I'm hoping to get lots listed on eb@y this week so hopefully I'll get there.

    Hope everyone's enjoyed the sun today.

    MGx
    2017: £6398.46 / £11,000
    2016: 4557.98 / £11,000 2015: £10,230.37 / £11,000
    2014 =£6703.26 / £11,000 2013 = £4288.51 / £8000 2012 = £1600/£5000 2011 = £2579/£3000
    MF date was Nov 2041 - now April 2022

    • BookWorm
    • By BookWorm 26th Feb 17, 9:26 AM
    • 2,288 Posts
    • 13,929 Thanks
    BookWorm
    Hello MG

    I agree that is was lovely to see some sun/have the milder weather last week. Really felt very spring like didn't it? My daffs have started to come up in the garden and it's really quite a cheery sight.

    Hope you have had a good half term break and that your GF feels better too.

    BW x
    • mortgage_girl
    • By mortgage_girl 5th Mar 17, 7:43 PM
    • 840 Posts
    • 3,848 Thanks
    mortgage_girl
    Thanks for stopping by BW. Half term was busy, but in a good way. I got caught up with some schoolwork and some house jobs and it was really quite productive. We went to see Ruby Wax in her most recent show too, which was fab.

    I've managed to sell a few more bits on eb@y and got a few more am@zon vouchers from sb which has all gone into the op pot. I didn't quite manage to offset the £260 holiday money as planned but did manage to make just over £190, so I wasn't too far off. I'm going to aim for the same amount this month, so we'll see how it goes.

    The planting season has just about started so I've been busy digging over the vegetable patch this weekend. I've planted some tomato seeds too and ordered some marrow and squash seeds too. I'm really looking forwards to the warmer weather...although I will miss lighting the coal fire - it makes the room feel so warm and cozy.

    I hope everyone has had a good Sunday.

    MGx
    2017: £6398.46 / £11,000
    2016: 4557.98 / £11,000 2015: £10,230.37 / £11,000
    2014 =£6703.26 / £11,000 2013 = £4288.51 / £8000 2012 = £1600/£5000 2011 = £2579/£3000
    MF date was Nov 2041 - now April 2022

    • Jo Blogs
    • By Jo Blogs 6th Mar 17, 6:15 AM
    • 751 Posts
    • 2,594 Thanks
    Jo Blogs
    Well done MG you seem to be well on the way to becoming MF - wishing you all the best
    Saved Nitty Gritty £7440.75 [149%] / £5000-[Sep] £58.44 for the 'Save 12k in 2017' #157
    2017 Womble #35 £3463.27 Sept NSDs 4/15CCCChl 9/12 months
    Sept PPChl#002 Pts 71
    • mortgage_girl
    • By mortgage_girl 12th Mar 17, 8:45 PM
    • 840 Posts
    • 3,848 Thanks
    mortgage_girl
    Thank you Jo I keep doing what I can between the curve balls that life throws us every now and again.

    It's been a fairly quiet week with regards to money saving as work has been so busy. I did get a couple of Am@zon vouchers through from sb's so I've put the money into my op account. I've also listed a few bits on eb@y today - I'm hoping to rediscover my mojo this week as I really haven't felt like listing at all.

    Alongside work hecticness, I've been catching up on a few house jobs and I did manage to get some summer bulbs planted out in the garden today - despite the drizzle doing its best to put me off. I've also managed to run 4 mornings this week and have been trying to squeeze a bit of yoga and reading in on an evening. The chooks are laying again which is fab! I've missed getting eggs, shop ones just aren't the same.

    Hope you've all had a good Sunday.

    MGx
    2017: £6398.46 / £11,000
    2016: 4557.98 / £11,000 2015: £10,230.37 / £11,000
    2014 =£6703.26 / £11,000 2013 = £4288.51 / £8000 2012 = £1600/£5000 2011 = £2579/£3000
    MF date was Nov 2041 - now April 2022

    • CathT
    • By CathT 12th Mar 17, 9:16 PM
    • 5,357 Posts
    • 36,777 Thanks
    CathT
    Sounds like you're achieving a lot. 4 morning runs is impressive, the light mornings are helping aren't they.

    I'm hoping our extension is finished in time for me to plant summer bulbs.
    Nov 2017 -
    part 1 - £79,999
    part 2 - £46,117
    Total - £126,116
    • BookWorm
    • By BookWorm 4th May 17, 9:14 PM
    • 2,288 Posts
    • 13,929 Thanks
    BookWorm
    Hello MG - hope the school term isn't too full on and that you are managing to get some time for fun/chilling
    • mortgage_girl
    • By mortgage_girl 13th Jun 17, 9:14 PM
    • 840 Posts
    • 3,848 Thanks
    mortgage_girl
    Hello BW and Cath. Thanks for stopping by. I can't believe how long it's been since I last logged on - it seems I've got plenty of catching up to do. Work has been busy and there's been some rather unpleasant life-stuff going on so I've been quite preoccupied. Things have settled somewhat and somehow I've still managed to keep track of my op's so I'll update them later on this week. We did manage to get away for a holiday during half term too, which was very relaxing - I managed to read 4 books!

    So hello - I'm back. I'll update a bit more later in the week.

    MGx
    2017: £6398.46 / £11,000
    2016: 4557.98 / £11,000 2015: £10,230.37 / £11,000
    2014 =£6703.26 / £11,000 2013 = £4288.51 / £8000 2012 = £1600/£5000 2011 = £2579/£3000
    MF date was Nov 2041 - now April 2022

    • mortgage_girl
    • By mortgage_girl 14th Aug 17, 3:20 PM
    • 840 Posts
    • 3,848 Thanks
    mortgage_girl
    Well the holidays are here and how time has flown, we're already half-way through! They have been busy so far, but in a good way. We've spent lots of time out and about doing things and it's been lovely - although I have missed my quiet time a little, so I'm enjoying some time to myself while my gf is out today. So far I've cleaned the oven, done some gardening and have applied for a tax rebate for my union subscriptions.

    Although I've not been posting regularly, I've been busy offsetting/op-ing the mortgage and I'm almost half way to my annual target...I'll have to knuckle down to achieve it but I'm sure I will, and even if I don't then every little helps!

    I've decluttered loads of things (and still have more to go!). Last week we ended up taking 6 bags of unwanted kitchen 'stuff' to the charity shop, mainly duplicates of things from when we moved in together. I've also been busy selling things - I can't believe what people will actually buy on eB@y, one man's junk really is another man's treasure.

    Despite being out and about this holiday I've managed to build in quite a bit of time to read and I'm still keeping up with my morning runs 4 times per week. I'm currently working my way through the 'Gone' series by Michael Grant, they're not my usual type of novel but they're keeping me gripped. I also have a rather large stash of other books to get through as I discovered the BOGOF book offer on mus1c m@gpie - 2 books delivered for £2.99 - bargain! Most of the ones I've received have been in fantastic condition too.

    We're going for some last minute shopping tomorrow before our holiday to Italy on Friday - I'm very excited but not looking forward to packing my suitcase, it's one of the jobs I hate! I'm hoping to get it out of the way tomorrow night so I don't dwell on it over the next few days.

    MGx
    2017: £6398.46 / £11,000
    2016: 4557.98 / £11,000 2015: £10,230.37 / £11,000
    2014 =£6703.26 / £11,000 2013 = £4288.51 / £8000 2012 = £1600/£5000 2011 = £2579/£3000
    MF date was Nov 2041 - now April 2022

    • CathT
    • By CathT 14th Aug 17, 8:18 PM
    • 5,357 Posts
    • 36,777 Thanks
    CathT
    Great de-cluttering and impressive commitment to your running. Holiday sounds fab and I dislike the preparation and packing too! Be worth it once it's done and you switch off and enjoy the sunshine. I'm trying to read more aswell, currently working my way through the first HP book!

    Keep posting, have missed your updates
    Nov 2017 -
    part 1 - £79,999
    part 2 - £46,117
    Total - £126,116
    • mortgage_girl
    • By mortgage_girl 16th Sep 17, 4:37 PM
    • 840 Posts
    • 3,848 Thanks
    mortgage_girl
    Thanks for stopping by Cath - I don't know where the time goes! Italy was lovely but we did end up investing in a rather beautiful (but expensive) jewellery box so the next few months will be spent paying off the credit card. The weather was in the 30's so we had a couple of days doing touristy sightseeing visits (Pompeii, Vesuvius and the Amalfi coast) and the rest of the time pottering around Sorrento and avoiding the mid-day sun. I actually managed to get tanned without getting burnt which is quite an achievement.

    It's back to reality now though and we're already into the second week of term. Things are as manic as usual so I've decided to have a chilled weekend doing nothing...well I've already decluttered the bathroom cupboards and deep cleaned the bathroom so it's not exactly 'doing nothing' but I do feel better for it. We've decided to try a recipe from our stash of cookbooks for tea - brocolli and green bean tart with a fig and apple compote, which should be interesting. It was actually supposed to have asparagus in it but we couldn't find any so we've adapted it somewhat.

    I did attempt to go for a run this morning but after being out for about 2 minutes the heavens opened and I was soaked so I ran back home and went on the exercise bike instead. I'll try again tomorrow. I've managed to squeeze in 4 runs already this week so I'm not too worried if it doesn't work out.

    Hope you're all having a cozy Saturday and keeping warm.

    MGx
    2017: £6398.46 / £11,000
    2016: 4557.98 / £11,000 2015: £10,230.37 / £11,000
    2014 =£6703.26 / £11,000 2013 = £4288.51 / £8000 2012 = £1600/£5000 2011 = £2579/£3000
    MF date was Nov 2041 - now April 2022

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