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  • FIRST POST
    • poorbutrich
    • By poorbutrich 28th Aug 11, 8:39 PM
    • 1,495Posts
    • 5,545Thanks
    poorbutrich
    PBR's "M" for "mortgage" diary!
    • #1
    • 28th Aug 11, 8:39 PM
    PBR's "M" for "mortgage" diary! 28th Aug 11 at 8:39 PM
    Hi there
    I hope it's ok to join you! I have been lurking on these threads for a while and have been very inspired by your stories and success.

    We bought our house two years ago and paid too much for it! I resent every penny in interest we're paying on it and am determined to be MF as soon as possible!

    I am married to a lovely, wonderful man who shares my dreams to be MF most of the time, but is very busy with work and studying, so the practicalities are left to me. While he's supportive of my extra curricular activities that I undertake in order to bring extra pennies, he doesn't have time to do the same and can sometimes come home with cans of beer or a takeaway! He's not as meticulous as I am with comparing prices and ensuring he gets the best deal, but he's perfect in every other way, so I can live with it

    The other reason for paying off our mortgage asap is that I am six months pregnant, and it's recently occured to me that I won't be working (and therefore earning!) for six months, and that we'll most likely have a BABY at the end of the year!

    I'm going to detail the silly little things that keep the wheels turning and how I am going to cut back and overpay as much as possible!!

    Today's thing was selling various CDs and things lying around the house. Several things have ended on that auction site tonight, netting us £40, so that's a good start!

    Looking to hearing your views and getting a good kick when my energy starts to fail!
Page 22
    • mouche
    • By mouche 15th Mar 16, 12:48 PM
    • 879 Posts
    • 4,358 Thanks
    mouche
    Hullo pbr...I've logged in after ages and came to 'see' you. Hope all is well in your world?
    • poorbutrich
    • By poorbutrich 17th Mar 16, 10:03 AM
    • 1,495 Posts
    • 5,545 Thanks
    poorbutrich
    Hullo pbr...I've logged in after ages and came to 'see' you. Hope all is well in your world?
    Originally posted by mouche
    That's really kind! Hope all is well with you too.

    Since my last post it's all been work, work, work! I recall moaning when there wasn't enough work coming in, so shouldn't complain but a happy medium would be nice!

    I can't think of anything I've done recently so your post has inspired me to list some items on eBay later!

    Hope it won't be so long until our next posts! Looking forward to seeing what you've been up to on your diary Mouche.
    Overpay!
    • poorbutrich
    • By poorbutrich 5th May 16, 6:54 PM
    • 1,495 Posts
    • 5,545 Thanks
    poorbutrich
    I haven't been on here since March! And that was probably about the last time I had an NSD too - I need to rein in the spending I do when life is hectic; too many shop bought sandwiches and the like.

    So, next week:
    At least one NSD
    Going to try selling stuff on Schpock rather than FB selling pages.
    Exercise every day!
    Overpay!
    • poorbutrich
    • By poorbutrich 29th Nov 16, 7:03 PM
    • 1,495 Posts
    • 5,545 Thanks
    poorbutrich
    I've been lurking recently but I seem to do better financially when I actually post!

    I wanted to get a part time supermarket job over Christmas to help OP the mortgage. I have just been informed that I didn't get the job! I am absolutely gutted and wondering where I went wrong (particularly as I actually used to work in that supermarket about 10 years ago!). Serves me right as yesterday I thought it was a done deal when I went into the shop and the woman on the checkout didn't look at me or speak to me during the whole transaction - "I can do better than that" I thought. I can't!

    Better start ebaying some stuff then!
    Overpay!
    • Kittenkirst
    • By Kittenkirst 29th Nov 16, 11:23 PM
    • 1,572 Posts
    • 8,080 Thanks
    Kittenkirst
    Sorry to hear you didn't get the job- did they give you any feedback?
    2017 MFW #20 - OP £1914.25/ £2150. 89%
    Last 3 months- Jul £172.36 Aug: £212.52 Sep £161.63

    Emergency fund £3725]/£6k
    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    2016 OPs £255.50/£150
    • poorbutrich
    • By poorbutrich 30th Nov 16, 7:39 AM
    • 1,495 Posts
    • 5,545 Thanks
    poorbutrich
    Sorry to hear you didn't get the job- did they give you any feedback?
    Originally posted by Kittenkirst
    Hi Kittenkirst
    That's really kind of you to post! No, nothing at all!

    I'd better go and find some new ways to obliterate my self confidence today
    Overpay!
    • debtfreeoneday
    • By debtfreeoneday 30th Nov 16, 1:39 PM
    • 2,764 Posts
    • 9,430 Thanks
    debtfreeoneday
    Might be worth asking for some feedback though???
    DFW (08/08) £64,346.53
    CC1 - GONE! ~~~ CC2 - GONE! ~~~ CC3 - £1263.18 ~~~ CC4 - £1050.00
    MFW (01/15) £118,031.21 £96,612.41
    • poorbutrich
    • By poorbutrich 30th Nov 16, 2:47 PM
    • 1,495 Posts
    • 5,545 Thanks
    poorbutrich
    Might be worth asking for some feedback though???
    Originally posted by debtfreeoneday
    Hi there!

    I can't decide whether I want to know or not! I think I'll put it behind me and do more freelance work!

    I've just added some items to sell in the local FB page, so that's taking my mind off things for the moment. Thanks for stopping by though....
    Overpay!
    • poorbutrich
    • By poorbutrich 5th Dec 16, 9:30 PM
    • 1,495 Posts
    • 5,545 Thanks
    poorbutrich
    Right, what Martin-approved activities did we do today?

    1. Leftovers for lunch.
    2. Made chips from potatoes that were on the turn.
    3. Hastily wrote some Christmas cards today to save on stamps (hand delivered by a friend!)
    4. Sold an old bike and other parts on FB.
    5. Reserved books from the library.
    6. Cut up an old tshirt for cloths.
    Overpay!
    • Kittenkirst
    • By Kittenkirst 5th Dec 16, 10:00 PM
    • 1,572 Posts
    • 8,080 Thanks
    Kittenkirst
    Ah PBR that sucks indeed!

    Good working on the MSE approved activities though
    2017 MFW #20 - OP £1914.25/ £2150. 89%
    Last 3 months- Jul £172.36 Aug: £212.52 Sep £161.63

    Emergency fund £3725]/£6k
    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    2016 OPs £255.50/£150
    • poorbutrich
    • By poorbutrich 13th Dec 16, 2:19 PM
    • 1,495 Posts
    • 5,545 Thanks
    poorbutrich
    Not much to report in moneysaving world except that I found myself massively overdrawn today -whoops!

    DH and a few of my friends have agreed to sign Martin's No present pact, so that's good...
    Overpay!
    • poorbutrich
    • By poorbutrich 31st Dec 16, 5:48 PM
    • 1,495 Posts
    • 5,545 Thanks
    poorbutrich
    Just logged in to say Happy New Year!

    Good MSE things:

    1. I haven't used the car for a month - tested it this morning and it still seems to work!

    2. Just taken Martin's great advice and returned some Christmas presents to the shop.

    3. A friend went away for New Year so gifted us the perishables from her fridge

    4. Made lots of soup from the turkey leftovers

    I hope you all have a happy and MSE 2017!
    Overpay!
    • mouche
    • By mouche 16th Jun 17, 3:12 PM
    • 879 Posts
    • 4,358 Thanks
    mouche
    Hi pbr...I have finally resurfaced. How are you getting on?
    Mortgage (original/ current):193,000 (23/09/11)/ £144,515.84 (16/06/2017).
    MFW target for 2017: £2355.48/ £5,000
    2017 Challenges
    Grocery Challenge: £162.32/£200 (July); £200.76/ £200 (June)
    Make £300 a month: £107.42/£300 (July); £237.88/ £300 (June)
    Lose 3st 9lb: 1st 12lb/3st 9lb
    • poorbutrich
    • By poorbutrich 21st Jun 17, 10:57 AM
    • 1,495 Posts
    • 5,545 Thanks
    poorbutrich
    Hi Mouche
    So glad you posted as I have been neglecting this diary since the beginning of the year. Yet another reminder of how quickly time passes by (and nothing to show for it for me!)

    Hope all is well with you and that your DH is better. Your DD must be getting big - how is she getting on at school?

    I must get my MSE mojo back on - I can definitely tell when I haven't posted as it has an effect on my finances. Let's see if I can scrape together a top five of activities this week!

    1. Made the most of free entry into the local swimming pool this morning - a beautiful swim as the sun rose! Hugely grateful for this one.

    2. Used birthday vouchers from lovely friends and family to buy a bike. Vastly reduced car use - but much more sweating.

    3. Naughty this one, but I regifted a lovely book to a friend. It was brand new and right her up her street, but feel guilty about this all the same.

    4. Used up all the old veg in a frittata-type meal.

    5. Inspired by the Kondo thread on here, I have sold and donated enough objects to be able to sell a bookcase that was housing it all. In the past I have been guilty of buying storage to hide the clutter instead of addressing all the stuff I have. No more. Let's see if I can sell the other one before the end of the year!
    Overpay!
    • Kittenkirst
    • By Kittenkirst 21st Jun 17, 10:22 PM
    • 1,572 Posts
    • 8,080 Thanks
    Kittenkirst
    That's some fantastic MSE'g!!
    2017 MFW #20 - OP £1914.25/ £2150. 89%
    Last 3 months- Jul £172.36 Aug: £212.52 Sep £161.63

    Emergency fund £3725]/£6k
    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    2016 OPs £255.50/£150
    • mouche
    • By mouche 24th Jun 17, 9:48 AM
    • 879 Posts
    • 4,358 Thanks
    mouche
    I have sold and donated enough objects to be able to sell a bookcase that was housing it all. In the past I have been guilty of buying storage to hide the clutter instead of addressing all the stuff I have.
    Originally posted by poorbutrich
    How fabulous and inspirational. This is something I am guilty of as well and 4 months into being unemployed I am no further on with tackling it. I am going to have to look up this Kondo thread...
    Mortgage (original/ current):193,000 (23/09/11)/ £144,515.84 (16/06/2017).
    MFW target for 2017: £2355.48/ £5,000
    2017 Challenges
    Grocery Challenge: £162.32/£200 (July); £200.76/ £200 (June)
    Make £300 a month: £107.42/£300 (July); £237.88/ £300 (June)
    Lose 3st 9lb: 1st 12lb/3st 9lb
    • poorbutrich
    • By poorbutrich 26th Jun 17, 2:19 PM
    • 1,495 Posts
    • 5,545 Thanks
    poorbutrich
    That's some fantastic MSE'g!!
    Originally posted by Kittenkirst

    Thank you! Needs must.....

    Have you got a diary?
    Overpay!
    • poorbutrich
    • By poorbutrich 26th Jun 17, 2:20 PM
    • 1,495 Posts
    • 5,545 Thanks
    poorbutrich
    How fabulous and inspirational. This is something I am guilty of as well and 4 months into being unemployed I am no further on with tackling it. I am going to have to look up this Kondo thread...
    Originally posted by mouche
    Unemployed?!

    Oh no. Sorry to hear that. Fingers crossed something comes up (maybe AFTER the summer though! )
    Overpay!
    • poorbutrich
    • By poorbutrich 26th Jun 17, 2:23 PM
    • 1,495 Posts
    • 5,545 Thanks
    poorbutrich
    Finding MSE things is quite a good way to keep me on track. So this weekend, I:

    -Won some lovely biscuits at a summer fair (that I was able to take to a friend who invited us over, saving me buying a bottle of wine/flowers).

    -Said friend insisted that we help her with the leftovers, so we have enough food for the rest of the week

    -Walked everywhere today. Lovely weather here for leaving the car at home.

    -Met a friend for coffee and DIDN'T buy any of the cake, no matter how nice it looked.

    - harvested some fruit and veg from the postage stamp sized veg patch outside! YUM!

    Thanks for reading Kittenkirst and Mouche!
    xxx
    Overpay!
    • mouche
    • By mouche 28th Jun 17, 1:28 PM
    • 879 Posts
    • 4,358 Thanks
    mouche
    I love your lists of MSE things PBR. I am voluntarily unemployed at the moment - couldn't stand my job anymore and decided to take a break. Underestimated how hard it would be to get a new one but as you say - glad to have the summer off and will hopefully find something in after the holidays.

    Good job on not buying the cake!
    Mortgage (original/ current):193,000 (23/09/11)/ £144,515.84 (16/06/2017).
    MFW target for 2017: £2355.48/ £5,000
    2017 Challenges
    Grocery Challenge: £162.32/£200 (July); £200.76/ £200 (June)
    Make £300 a month: £107.42/£300 (July); £237.88/ £300 (June)
    Lose 3st 9lb: 1st 12lb/3st 9lb
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