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    • misscousinitt
    • By misscousinitt 1st Mar 11, 1:49 PM
    • 3,543Posts
    • 20,434Thanks
    misscousinitt
    misscousinitt's MF Diary
    • #1
    • 1st Mar 11, 1:49 PM
    misscousinitt's MF Diary 1st Mar 11 at 1:49 PM
    Hi all

    I have posted on here before about becoming MF, but not alot was done as we had the wedding last year and that seemed to take up most of our time.

    We are debt-free, have savings and have a tiny mortgage compared to most (approx £19k) - but on a fixed rate of 6.29% until June 2012 - so not a huge scope for overpaying, but we want to make a start.

    Mortgage and house has now been transferred into both our names so I thought that it was now the best time for us to start overpaying.

    DH is on board, but as I deal with all the day to day money then it will fall to me to decide how much each OP will be and down to me to actually go and make them.

    I've only set a small target for this year - just £750; but we will see how it goes as we could overpay up to approx £1800 under the terms of the mortgage.

    Overall goal is get the mortgage down so when we do move we get into less debt. The ultimate goal will be MF by the time I'm 50 (11 years and 1 week!) but that will all depend on how big our next mortgage is and how circumstances change.

    First over-payment made yesterday of £70.
    Mortgage Free x 1 03.11.2012 - House rented out Feb 2016
    Mortgage No 2: £93679.00 (11.09.2017)
    OP's to Date £4500

    Renovation Fund:£944.75;
    Nectar Points Balance: £35.49
Page 125
    • misscousinitt
    • By misscousinitt 13th Jul 17, 1:33 PM
    • 3,543 Posts
    • 20,434 Thanks
    misscousinitt
    Thanks MWC! I'll take all the luck I can get

    School Fair has been cancelled Was really looking forward to it

    It's good for me in a way because of baking, but it is one fundraiser that me and the girls really love.

    So onward with baking tonight and tomorrow night - will be relieved when I don't have to do all this on an evening.

    Meal from freezer tonight - Pulled Pork - but not sure whether to do baguettes or a fried rice - will ask DH when I get home.

    MCI
    Mortgage Free x 1 03.11.2012 - House rented out Feb 2016
    Mortgage No 2: £93679.00 (11.09.2017)
    OP's to Date £4500

    Renovation Fund:£944.75;
    Nectar Points Balance: £35.49
    • shangaijimmy
    • By shangaijimmy 13th Jul 17, 7:01 PM
    • 2,231 Posts
    • 10,256 Thanks
    shangaijimmy
    Ooh, pulled pork baguettes. Lucky Mr Cousinitt!
    MFW: Turning June 2036 into March 2023... 32//120 Payments Challenge, Diary Reduction £34,271.00
    Aug 2009: £163,051 // Current: £101,729.00 // Avg Daily Interest £4.57
    MFiT-T4 #8 - 56.74% of £41,000
    • EatingTheElephant
    • By EatingTheElephant 13th Jul 17, 7:29 PM
    • 1,152 Posts
    • 6,177 Thanks
    EatingTheElephant
    Your last day is coming around quick, hope they give you a good send off. Fantastic that you might get some opportunities from existing contacts too!
    • misscousinitt
    • By misscousinitt 14th Jul 17, 1:23 PM
    • 3,543 Posts
    • 20,434 Thanks
    misscousinitt
    One week to go - I can not quite believe it.

    Glad to be going away for a few days to clear my head.

    DH has been having a stressful week and I think with everything going on with me it's just made it worse. We had a chat this morning and all is well.

    I have reassured him that I have checked the figures over and over again! And we will be fine and it shouldn't impact on his money at all (unless something drastic happens). So all good there. I think he just wants it all to start so we can establish our new routine - not long to go now - it will be here before we both know it!

    HM Pizza using flatbreads tonight - you can tell it's market week as most of our evening meals are not so healthy - that will change when I can bake during the day.

    Hope everyone has a great weekend.

    MCI
    Last edited by misscousinitt; 14-07-2017 at 1:29 PM.
    Mortgage Free x 1 03.11.2012 - House rented out Feb 2016
    Mortgage No 2: £93679.00 (11.09.2017)
    OP's to Date £4500

    Renovation Fund:£944.75;
    Nectar Points Balance: £35.49
    • misscousinitt
    • By misscousinitt 14th Jul 17, 1:28 PM
    • 3,543 Posts
    • 20,434 Thanks
    misscousinitt
    Ooh, pulled pork baguettes. Lucky Mr Cousinitt!
    Originally posted by shangaijimmy
    They were delicious - a lot more so than anticipated - just hit the spot!

    Your last day is coming around quick, hope they give you a good send off. Fantastic that you might get some opportunities from existing contacts too!
    Originally posted by EatingTheElephant
    We are going out on Tuesday and I know they have got me at least one present (as they asked me what I wanted). Sad, exciting and scary all at the same time.

    Had a chat with another supplier yesterday who is enthusiastic about what I am doing and is going to make sure that he comes to see me. I am amazed and humbled by peoples responses to me leaving engineering. (I think a few of them feel the same as me to be fair - but it isn't always a choice you can make).

    MCI
    Mortgage Free x 1 03.11.2012 - House rented out Feb 2016
    Mortgage No 2: £93679.00 (11.09.2017)
    OP's to Date £4500

    Renovation Fund:£944.75;
    Nectar Points Balance: £35.49
    • misscousinitt
    • By misscousinitt 19th Jul 17, 2:18 PM
    • 3,543 Posts
    • 20,434 Thanks
    misscousinitt
    2 more sleeps...

    MCI
    Mortgage Free x 1 03.11.2012 - House rented out Feb 2016
    Mortgage No 2: £93679.00 (11.09.2017)
    OP's to Date £4500

    Renovation Fund:£944.75;
    Nectar Points Balance: £35.49
    • Karmacat
    • By Karmacat 25th Jul 17, 2:02 PM
    • 28,064 Posts
    • 154,284 Thanks
    Karmacat
    Are you still away, MCI? Hope its been brilliant for you
    Retired August 2016
    • misscousinitt
    • By misscousinitt 13th Aug 17, 2:43 PM
    • 3,543 Posts
    • 20,434 Thanks
    misscousinitt
    I'm Back!!!
    Hi everyone

    Sorry I have been AWOL for so long.

    Last day was quite emotional, but also a bit of an anti climax as people were going on holiday and had to get off early. Bit over whelmed by my presents from work which included a watch, a ph meter for my chutneys and a £200 John Lewis voucher! I also had a lovely bunch of flowers off one supplier and a bottle of champagne off another. Tearful at the time but over it now. I haven't really had time to miss the people so far, but that might change in the next few weeks.

    Denmark was amazing and very money saving as my friend wouldn't allow me to pay for anything except the snacks in the airport on the way back - so £12 spent all holiday. We mainly stayed local, visited some of his family and some came to visit us. We went to Copenhagen for the day and walked miles! Such a city of contrasts. And we cooked, ate, drank, chatted about the past (we have been friends for over 40 years) and about the future - mine and his (he's got some great things in the pipeline) and we laughed; we laughed a lot!

    Was glad of the no extra charges on mobiles and called DH everyday, I missed him a great deal, but I had a really good time.

    Since I've been back its busy busy on the business front. Done two Stalls so far and another booked for next weekend,. Still in the process of getting my food safety management system in place (it's hard going when there are other things you would rather be doing). Also had charity work to do (employee off sick...long story) but things are fairly straight now.

    Have a day off today and have been pottering in the garden and just stopped to have a cuppa so I thought I'd post on here.

    Really enjoying not being so stressed, no commute, planning my own things to do and above all doing things I enjoy.

    I hope everyone is well and I look forward to catching up with what everyone has been doing.

    Oh and we are on target to make another OP at the beginning of next month...

    MCI x
    Last edited by misscousinitt; 14-08-2017 at 8:35 AM.
    Mortgage Free x 1 03.11.2012 - House rented out Feb 2016
    Mortgage No 2: £93679.00 (11.09.2017)
    OP's to Date £4500

    Renovation Fund:£944.75;
    Nectar Points Balance: £35.49
    • Karmacat
    • By Karmacat 14th Aug 17, 10:04 AM
    • 28,064 Posts
    • 154,284 Thanks
    Karmacat
    Lovely! So glad to hear it's all going well. And what a good friend you have in Denmark
    Retired August 2016
    • misscousinitt
    • By misscousinitt 14th Aug 17, 7:58 PM
    • 3,543 Posts
    • 20,434 Thanks
    misscousinitt
    Thanks KC - haven't made my millions yet but plans are moving ahead.

    One stall was quite lucrative and the other was break even - hoping for a little gain this weekend coming.

    Going on a recon trip on Wednesday to a potential market with a friend of mine (she has a handmade candle and soap/bath bomb business) - looking forward to a trip out and a coffee on expenses as research and development lol.

    20 minutes yoga done this morning and hope to do again tomorrow. Stage one of my cleaning done and the washing done. Shopping at Herr A done and a delivery of syrups to a customer (£5 earned lol). I think I have broke the back of my HACCP plan for chutneys today which I am really pleased about as it was bugging me terribly - more work to do tomorrow, but happy with what I have achieved today.

    MCI
    Mortgage Free x 1 03.11.2012 - House rented out Feb 2016
    Mortgage No 2: £93679.00 (11.09.2017)
    OP's to Date £4500

    Renovation Fund:£944.75;
    Nectar Points Balance: £35.49
    • misscousinitt
    • By misscousinitt 15th Aug 17, 12:53 PM
    • 3,543 Posts
    • 20,434 Thanks
    misscousinitt
    Just lost post

    Lots done

    Lots to do

    Going to have lunch!

    See you later

    MCI
    Mortgage Free x 1 03.11.2012 - House rented out Feb 2016
    Mortgage No 2: £93679.00 (11.09.2017)
    OP's to Date £4500

    Renovation Fund:£944.75;
    Nectar Points Balance: £35.49
    • misscousinitt
    • By misscousinitt 15th Aug 17, 9:30 PM
    • 3,543 Posts
    • 20,434 Thanks
    misscousinitt
    Had a very productive day on the paperwork front. Procedures for production of jams/chutneys complete, just one more form to do. Couple of emails fired off - one for a stall for Christmas!!!! And the other with details what I want on my business cards.

    Tomorrow my friend and I are going to check out a new market in the morning and I have jam, syrup and lemons to sort in the afternoon.

    Baking Thursday and Friday and have my regular adventure on Saturday.

    Busy busy, but very happy. Just getting into the swing of things - more Stalls to be booked for September.

    Decided not to do any Stalls next week so I can finish my paperwork hopefully without interuptions (can't see that happening) and have a proper weekend with DH which I haven't managed since I got back from Denmark.

    Meal planning and eating from the freezer at the moment - which is hopefully saving some money. Gas and electric meters changed now so hopefully should save a bit there too. Being quite successful not spending my own money at the moment - there are fewer temptations now I am at home - but hope to stop for a coffee tomorrow as a treat. I have got my hair cut booked in for next week though which is way overdue!

    We had Turkey Stroganoff tonight with yellow stickered turkey - and now a DH has gone round our friends (4 doors down) to help with a diy problem!! So I thought I would catch up on here while I wait for him to come back. I might be asleep if he is too long.

    Did another 20 mins yoga this morning (the lovely sun sequence - hope I did it right) and planning a quick session of warrior in the morning as my friend is coming here for 9am. I must keep it up and see the benefits - the aim is to do 2-3 short sessions a week in addition to my class on a Friday. It is good for focus!

    Have a good night everyone.

    MCI
    Last edited by misscousinitt; 15-08-2017 at 9:32 PM.
    Mortgage Free x 1 03.11.2012 - House rented out Feb 2016
    Mortgage No 2: £93679.00 (11.09.2017)
    OP's to Date £4500

    Renovation Fund:£944.75;
    Nectar Points Balance: £35.49
    • misscousinitt
    • By misscousinitt 17th Aug 17, 5:35 PM
    • 3,543 Posts
    • 20,434 Thanks
    misscousinitt
    Recon mission was good - going to ring up next week and see if I can book a stall. It was an old market with a few new things and I think I see it as an opportunity. It will either go one of two ways, we will both do really well as we are something different or we will stick out like a sore thumb and not make anything!

    We did have coffee and cake, but it was a morning out and it was good to sit down and have a good chat about our businesses. I was a bit surprised that my friend didn't have a business plan! Although mine isn't formalised in writing at this stage I do have a clear idea as to what I want to do, how I'm going to do it and how much I want to make.

    Jam for filling scones and tarts made yesterday when I got back and made some more cinnamon syrup ready for Saturday's market.

    Today I have made preserved lemons, contacted a supplier about getting bulk buy courgettes and more lemons. What do people feel about green lemons?? this time if year (I have been informed) that the first fruit from southern Spain and Italy is green and is not necessarily unripe. I need lemons, but I am worried about the perception of using green ones (it does however depend on 'how' green they are). I would appreciate your feedback on that.

    I have also done my first stage baking for my Saturday market. I have achieved today what would have taken me two nights when I was at work full time and I have tidied up, had a shower and got time to relax before making tea! (This is despite realising I had forgotten to buy an orange I needed for one of the recipes and having to stop, walk up to the shops and walk back again before continuing).

    I am pretty shattered though as I woke up at 3 am with stuff whizzing round my head - I had to get up to get a drink of water and I decided to get it all off my chest and practically wrote a blog! I managed to get back to sleep about 5 am, and I did resist the temptation to go back to bed after DH left this morning - it would have been all too easy, but I would have wasted the morning.

    Tuna steaks and jacket potato with avocado is on the menu tonight - going to try out one of my recipes I concocted when I was up last night to try it out. I will be using the remaining half an orange left over from my cake that I had to go out an buy earlier - so no wastage there!

    MCI
    Mortgage Free x 1 03.11.2012 - House rented out Feb 2016
    Mortgage No 2: £93679.00 (11.09.2017)
    OP's to Date £4500

    Renovation Fund:£944.75;
    Nectar Points Balance: £35.49
    • misscousinitt
    • By misscousinitt 20th Aug 17, 3:30 PM
    • 3,543 Posts
    • 20,434 Thanks
    misscousinitt
    At least I made some money this weekend! I had an average haul at my most regular market - very pleased.

    Haven't felt very well today though after over indulging in bbq food at a friends party yesterday - too many carbs and way too much meat.

    I have a big list if things to do in the coming week and I am glad that I haven't booked any Stalls for the bank holiday weekend (though it would have been a good time to do one!) I really need to concentrate on paperwork this week.

    - Charity stuff: minutes, gift aid, wages, other personnel tasks and records up to date, also need to look at a bid I've been meaning to finish off for a long time.
    - Personal stuff: household finances, pension details, HMRC phone call, cancel savings direct debit, pay CCs, savings figures, 3 x personal yoga sessions this week, meal plan and shopping for the week
    - Business: receipts, figure how much I can pay myself this month, trip to wholesalers, product making, food management system stuff, recipe card and label details to my friend who us doing some design for me and most importantly 3 calls regarding Stalls.

    Need to fit in a visit to mum and one to my friend who is on bed rest after an operation.

    I feel oddly better after writing all that down; even though there is a great deal if that - need to transfer it all to my action plan and get going in the morning on the tasks.

    Off to MILs for tea tonight - small tea for me - don't think I can face much - hopefully back to normal tomorrow.

    Hope everyone has had a good weekend.

    MCI
    Last edited by misscousinitt; 20-08-2017 at 3:34 PM.
    Mortgage Free x 1 03.11.2012 - House rented out Feb 2016
    Mortgage No 2: £93679.00 (11.09.2017)
    OP's to Date £4500

    Renovation Fund:£944.75;
    Nectar Points Balance: £35.49
    • Karmacat
    • By Karmacat 20th Aug 17, 5:55 PM
    • 28,064 Posts
    • 154,284 Thanks
    Karmacat
    Sounds great, MCI, and once you're running smoothly, you'll be able to focus the paperwork onto the quieter weeks

    Your previous post on green lemons - I'm really sorry, I didn't even know they were A Thing but whatever you're doing, bulk buying sounds much more helpful than just down the shops. Don't really know *where* you are - would it be worth a trip to a big wholesaler, even into London? Sometimes, anyway
    Save
    Retired August 2016
    • misscousinitt
    • By misscousinitt 21st Aug 17, 8:29 AM
    • 3,543 Posts
    • 20,434 Thanks
    misscousinitt
    Sounds great, MCI, and once you're running smoothly, you'll be able to focus the paperwork onto the quieter weeks

    Your previous post on green lemons - I'm really sorry, I didn't even know they were A Thing but whatever you're doing, bulk buying sounds much more helpful than just down the shops. Don't really know *where* you are - would it be worth a trip to a big wholesaler, even into London? Sometimes, anyway
    Save
    Originally posted by Karmacat
    Be glad when all the basic paperwork is done and it's just record keeping.

    Really not sure about the green lemons thing, I suppose it depends 'how' green they are. Going to be checking out a cash and carry this week, so may be able to get some from there that are yellow. I am afraid that I am in the Midlands and don't really have the London option - I am happy to say that we have some good produce round here and I intend to take advantage of that.

    Just making my plan for the week prioritising my tasks - I it will change but at least the sentiment is there...

    MCI
    Mortgage Free x 1 03.11.2012 - House rented out Feb 2016
    Mortgage No 2: £93679.00 (11.09.2017)
    OP's to Date £4500

    Renovation Fund:£944.75;
    Nectar Points Balance: £35.49
    • misscousinitt
    • By misscousinitt 24th Aug 17, 7:43 PM
    • 3,543 Posts
    • 20,434 Thanks
    misscousinitt
    It's been quite an exciting week.

    2 Stalls confirmed on Monday - one for a very popular Christmas Market in December and one I really didn't intend to get which was a stall at the Sunday market at a VERY popular food festival. This one is in a little over 2 weeks and I have got my work cut out to get enough stock sorted and packaging done, plus got a tonne of baking to do for that one. DH is going to come and help - bless him. It's very exciting but also very scary too.

    I am making progress with the food management system and I just need to finish typing everything up tomorrow - I have a meeting with my environmental officer on Tuesday afternoon and hopefully we can make some headway into getting it all signed off and getting my food rating. Will be really glad when this is done - I am hating being stuck behind a computer again for hours on end!

    I have also got all our finances straight and entered up all the receipts both for the business and household. I also know exactly where we stand with all the savings pots. Good job really as DH has convinced me we need a new boiler - it's an expense we could probably do without, but it's no good shoving good money after bad on an old boiler that is perhaps not efficient enough to heat our house effectively. It will be worth it in the long run I suppose.

    Still eating to plan, though DH took me out for a cheap and cheerful yesterday (it was planned) and he paid - I must admit it was nice to go out after spending a lot of time at home since I got back from Denmark.

    Tonight's offering is chicken and rice. Reduced garlic butter chicken drumsticks I got from the farm shop (bargain at £1.30ish), so looking forward to them.

    Had my hair done today as it was long overdue - hopefully it will be slightly easier to manage. But that's it on the spending front - got to start making some money now!

    I did have my petty cash back in the post today from my former employer - no holiday pay, but that was just wishful thinking (would Have been nice, but not going to worry). Got my P45 too - makes it all very final!

    I am happy to say that I am going to be able to pay myself a little bit this month - not that I will a see much of it as it will be going towards the bills! I do still have some of my wages from last month as I have been very frugal with my spending, so I have a little spending money.

    Things are coming together and exciting times ahead - I just hope that I can pull this off...

    MCI
    Mortgage Free x 1 03.11.2012 - House rented out Feb 2016
    Mortgage No 2: £93679.00 (11.09.2017)
    OP's to Date £4500

    Renovation Fund:£944.75;
    Nectar Points Balance: £35.49
    • misscousinitt
    • By misscousinitt 27th Aug 17, 7:57 AM
    • 3,543 Posts
    • 20,434 Thanks
    misscousinitt
    Aaagggghhhhh to paperwork...Having trouble getting my head round the last bit!

    MCI
    Mortgage Free x 1 03.11.2012 - House rented out Feb 2016
    Mortgage No 2: £93679.00 (11.09.2017)
    OP's to Date £4500

    Renovation Fund:£944.75;
    Nectar Points Balance: £35.49
    • misscousinitt
    • By misscousinitt 27th Aug 17, 11:02 AM
    • 3,543 Posts
    • 20,434 Thanks
    misscousinitt
    Glad I managed to go back to slept after being awake since before 5 am. Feel a lot more refreshed and renewed positive outlook.

    Going to have a day off today - we are going to a local antiques market after breakfast that DH is currently making - sort of checking out for next year as a possible stall opportunity (going to the food and craft market at the same place tomorrow too) and also to catch up with retired work colleague who does antiques. A good mooch around might be just what I need to focus my mind better when I get back to the paperwork.

    On the money front we are on target to make another OP on mortgage payment day (5th) - we have received the remittance for the rent and that will be in the bank next week.

    Happy bank holiday weekend all.

    MCI
    Mortgage Free x 1 03.11.2012 - House rented out Feb 2016
    Mortgage No 2: £93679.00 (11.09.2017)
    OP's to Date £4500

    Renovation Fund:£944.75;
    Nectar Points Balance: £35.49
    • smallholdingsister
    • By smallholdingsister 27th Aug 17, 11:05 AM
    • 3,544 Posts
    • 27,501 Thanks
    smallholdingsister
    I had no idea you'd been an engineer.

    Can you put green lemons in a bag with a banana so they go yellow?
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