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  • FIRST POST
    • museumworker
    • By museumworker 1st Jan 12, 12:38 PM
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    museumworker
    Making the future happen - museumworker's MFW diary Pt 2
    • #1
    • 1st Jan 12, 12:38 PM
    Making the future happen - museumworker's MFW diary Pt 2 1st Jan 12 at 12:38 PM
    Hello friends, lurkers and any other general MFW crazies - welcome to my new diary!

    My first diary was museumworker’s quest to consign mortgage to history Some background for the newbies - we purchased our house in Oct 2008 for £237,000, with a mortgage of £198k. I became a MFW with a mortgage of £194,000 at the end of 2009. In 2010 we saved an epic £19K which we used to add two double bedrooms and an ensuite to the house. Having brought our LTV to just under the magic 65% we remortgaged for a much better deal in March 2011, and since then have OPed £12K ! Anyway, end of year summary is at the end of the last diary if you want a quick overview.

    But now - the future! 2012 is going to be a year of massive change in the mw household as I am expecting a mini-mw - due date 22 June 2012! All of us are very excited, if a little nervous about what changes might happen. The impact on our finances will clearly be significant, so our MF journey may take longer than I originally hoped. BUT we are committed to reducing our mortgage as fast (and as sustainably) as we can. Or, in the words of one unattributed quote: 'I know not what the future holds, but I know who holds the future'. With such changes afoot, I thought it a good time to start a new diary.

    Some stuff about us - I am 32, and work in the museum sector (incase you hadn’t guessed!). OH also works full time, and luckily is better paid than me , and we have a DD aged 9 from a previous relationship of mine. We are very fortunate to have big families and a fantastic large circle of friends, so enjoying them is also one of our priorities.

    Anyway, welcome, and hope you enjoy watching what unfolds!
    Last edited by museumworker; 01-01-2012 at 1:18 PM.
    Mortgage 16/03/2011: £190K 01/01/2017: £107,729.65 01/07/2017: £95,979.89
    OPs 2011-2016 = £45K 2017 OPs = £9250.20
Page 31
    • museumworker
    • By museumworker 9th Jun 17, 5:03 PM
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    museumworker
    Recording June's OP of £1376.85 from salary.

    Will update with current mortgage balance when I phone FD to check later.

    Today I worked from home, and made free lunch from random stuff in the cupboards (REALLY random - spam anyone?!). Not a NSD though as needed greeting cards, stamps, and strawberries, plus present for party.

    I've drawn up an exchange contract with a family in Denmark for Easter next year, spurred on by fact flights dropped to £65 return each! Setting an email alert has been really helpful, that's £20 each less than when I first started looking. I'm also talking potential exchange with Lisbon next year, just need to brainstorm some dates.

    I have entered a few comps to win tickets to a food festival, fingers crossed as I've been for 3 years running on freebies, tickets are quite expensive! I gave up comping few months back due to stress so seeing if I can ease myself back into comping in a much more focused and less time consuming manner.

    Have taken two bags of clothes to charity from DD's room, resisted buying anything. Pulled out one dress that want to see if OH can make DD2 a dress or a least a skirt from the material as it's really pretty.

    OH on way home in uber home from central London with kidney pain Hope he's ok.
    Last edited by museumworker; 09-06-2017 at 6:40 PM.
    Mortgage 16/03/2011: £190K 01/01/2017: £107,729.65 01/07/2017: £95,979.89
    OPs 2011-2016 = £45K 2017 OPs = £9250.20
    • museumworker
    • By museumworker 21st Jun 17, 9:51 AM
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    museumworker
    Just been confirmed - have gone up payscale plus scale risen 1.5%, AND a £500 bonus for performance. Bonus and backdated pay will be in next month's pay packet.

    Day off work today and using my gym membership with Pilates class booking. Need to take OH off membership and am considering cancelling mine too as not really getting good use of it.

    Have KonMari'd wardrobe properly so bag ready for charity shop, and one for recycling. Need to finish jewellery today and then part 1 is complete!

    OH about to take 5 day trip, v nervous as not been coping too well with everything lately.
    Mortgage 16/03/2011: £190K 01/01/2017: £107,729.65 01/07/2017: £95,979.89
    OPs 2011-2016 = £45K 2017 OPs = £9250.20
    • Pearla*Merle
    • By Pearla*Merle 21st Jun 17, 10:15 PM
    • 1,597 Posts
    • 9,332 Thanks
    Pearla*Merle
    Hope things go ok during OH's trip, museumworker.

    Great news on the pay rise and super duper overpayment shenanigans! Well done

    Those sound like some crazy good flight deals as well! How did you set up an email alert on those?
    a penny picker upper. every penny's a prisoner!
    £26.65 til OnePoll payout! Round six! | Save £7200/£15,000
    Normality is a paved road; it's comfortable to walk, but no flowers grow on it.
    Whatever you're meant to do, do it now. The conditions are always impossible.
    The only thing you absolutely have to know, is the location of the library.
    • museumworker
    • By museumworker 22nd Jun 17, 7:31 AM
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    museumworker
    Thanks for relpying Perla*Merle, it's so quiet on this diary now (although that's mostly due to me not having time to comment on anyone else's!)

    OH now left for his trip, I have one day on my own (with double drop off and collection, then having help from family after that so hopefully should be ok)

    I set up an email alert via skyscanner, I get a weekly email to say how much the prices on the dates and times I set have gone up or down by. Unfortunately we haven't finalised our agreement yet and prices just rose by £30 each but hoping some budget airlines yet to release which will bring price down again. Also family have kindly offered to lend us their car so will save £600 on car hire too, should be a cheap break if it all goes through.

    Cancelled joint gym membership, last month is July. Will save £84pm, am looking at local park gym membership which is £5pm and has yoga classes as well as other ourdoor classes I can do. Will pay as I go if needed.

    Charity load dropped off, jewellery sorted and now finished first KonMari category. I had done it before but this time it feels like everything has clicked and I definitely won't need to revisit. Next up: books!
    Mortgage 16/03/2011: £190K 01/01/2017: £107,729.65 01/07/2017: £95,979.89
    OPs 2011-2016 = £45K 2017 OPs = £9250.20
    • newgirly
    • By newgirly 22nd Jun 17, 8:03 AM
    • 5,717 Posts
    • 39,175 Thanks
    newgirly
    Hi mw Great news on the pay rise and well done getting under £100k it's been a long journey over the years but we are getting there aren't we
    MFW 21
    Target for 2017 £38,545 / £14,264 paid so far

    Mortgage £48,846 4 years 9 months left. Total owed £66,122 planning to clear in 24 months
    WW target - 29.5 lb start date 11/5/17 so far 10.5lb lost.
    • museumworker
    • By museumworker 26th Jun 17, 2:02 PM
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    museumworker
    Thanks newgirly, certainly sounds as if you're getting there - and losing lbs as well as £££s - well done!

    Am off work this week and would be good to get a few MFW things done:
    * use gym membership before runs out
    * get dress fixed to save buying new one for event
    * list unwanted jewellery on fleabay
    * look at trading in any unwanted books (am about to Kon Mari that category)
    * get OH to return 3x items to shop
    * finalise swap agreement so can book cheaper flights for holiday

    Wish me luck!
    Last edited by museumworker; 29-06-2017 at 11:34 AM.
    Mortgage 16/03/2011: £190K 01/01/2017: £107,729.65 01/07/2017: £95,979.89
    OPs 2011-2016 = £45K 2017 OPs = £9250.20
    • museumworker
    • By museumworker 29th Jun 17, 11:30 AM
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    museumworker
    Got the dress fixed , £15 for a new zip. It's an amazing dress I wore to my 21st and one of the few survivors of my last KonMari cull. Felt very happy wearing it! Very tired today though due to late night and a glass of wine too many, son was late for school due to me oversleeping! £10 personal spend on drinks before the event.

    Had to buy new makeup as all mine used up or out of date (been make up free for 6 months or so now). Bought using 3 for 2 so £45 for whole shebang, including tights and a cheap aspirin facial! Plus had hair did for first time in 6 months, a cheap supercuts number that I'm actually very pleased with.

    Chased up swap people but they're not ready to finalise until August. Checked, and Ryanair haven't yet released flights so think it's fine to wait.

    KonMari'd books, at least 120 are leaving. One final pile for OH to sort, which will do tomorrow evening together.

    Tonight DD1 has concert, I used half price code so saved £4.

    I've registered DD2 with nursery around the corner, attached to DS' school. It would be more money than current (unsure how much as the 30 free hours not yet worked out by either setting), but would mean no commuting into central London with a buggy, one parent being able to do drop offs and collections, an easier transition to primary (same site), free outdoor play (no outdoor space in current nursery), and the chance for DD2 to make some local friends. It's been so hard doing 2 collections with OH away, I really hope she gets a place as this would make our lives so much easier.
    Last edited by museumworker; 29-06-2017 at 11:41 AM.
    Mortgage 16/03/2011: £190K 01/01/2017: £107,729.65 01/07/2017: £95,979.89
    OPs 2011-2016 = £45K 2017 OPs = £9250.20
    • CathT
    • By CathT 29th Jun 17, 3:53 PM
    • 5,260 Posts
    • 36,039 Thanks
    CathT
    It is so much easier when you children are in the same (near enough) place! It transforms the school run. Good to see you posting more regularly MW.
    August 2017 -
    part 1 - £81,002
    part 2 - £46,583
    Total - £127,585
    • museumworker
    • By museumworker 30th Jun 17, 10:27 AM
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    • 10,658 Thanks
    museumworker
    It is so much easier when you children are in the same (near enough) place! It transforms the school run. Good to see you posting more regularly MW.
    Originally posted by CathT
    Yes, I think it will be life changing. I'm finding things really tough at the minute, especially when my partner is away. It's only when I speak to other working mums that I realise how challenging our setup is, leaving the house at 645 with DD2, commuting to central London and back in rush hour with a buggy and increasingly wilful child. I could get up at 630 instead of 530- that would make a huge difference!

    If they calculate it as I suspect, it would be £90 a month cheaper than what I am paying now (but perhaps £180 dearer than current nursery, once take into account 30 free hours). I'm going to focus on the overall cost going down as I think another year of the commute might throw me over the edge!

    Am trying to post more often as it does get me to think more about money at home. Last night we costed a couple of options for car hire for our trip to Sweden. We would prefer a 7 seater but it works out an extra £150 so just trying to make a decision. OH started saying 'it's only an extra few quid' but as I've been thinking more about finances I pointed out £150 was a decent OP and we needed to be sure it was worth it. The kids fight in the back of the car, hence the preference for a 7 seater, but when we hired one last year DD1 was still difficult so not sure it's the fix to the kids issues! We will buy a portable travel booster for DS, it costs less than hiring a car seat for this one trip and can be used for our other trips and taxis in the U.K. up to the age of 12 . DD2 is still a bit young so we will pay for car seat hire for her for the next few trips as we want the 5 point harness.

    At home all day today as our kitchen door and window are being refitted as we have had problems with them since they were fitted, 6 years ago. The company who originally supplied them are covering all costs, so brand new window and door for free .

    I started seeing what my books might be worth but most weren't able to be traded in and those that I could were worth 10p, so looks like tomorrow might be a bumper day for the charity shop!

    Today I plan to:

    Kids
    * attend meeting with DD1 about exchange we are hosting
    * return paperwork for DD1 music school
    * look for DD1 travel card

    Me
    * yoga
    * headspace app
    * arrange spa session with friends tomorrow Done, chose one have gift card for so free session for me

    KonMari
    * get OH to go through his books
    * bag up books for charity
    * start paper category in KonMari

    Money
    * make mortgage OP (payday!)
    * OH returning unwanted purchases for refund
    * check TCB £7.09 OP made
    * book car hire via TCB (currently 10% cash back)
    * complete survey for possible new survey group
    Last edited by museumworker; 02-07-2017 at 3:35 PM.
    Mortgage 16/03/2011: £190K 01/01/2017: £107,729.65 01/07/2017: £95,979.89
    OPs 2011-2016 = £45K 2017 OPs = £9250.20
    • museumworker
    • By museumworker 2nd Jul 17, 7:35 PM
    • 1,865 Posts
    • 10,658 Thanks
    museumworker
    Lovely weekend with free spa session (paid with gift voucher), surprise trip to theatre from OH to celebrate 12 year anniversary and free trip to museum via my blog with DS today. They also have offered us an annual membership worth £24, which we definitely will use as my son absolutely loved it!

    Retried trading in massive pile of books with another site and have been offered £65 , just need to book colllection and find a box large enough for them!

    We got 11% cash back on our car hire, £71 if all tracks ok (we went for 7 seater in the end as we will be doing quite a bit of driving and it will hopefully make for a much more pleasant holiday!) Plus claimed £7.09 of cash back already earnt, payable straight to mortgage account.

    Now quick catch up with friends, will probably opt for lime sodas as it's a school night so should be a cheap evening.

    I reckon we've saved/earnt over £150 this weekend - if only every weekend could be like this!
    Last edited by museumworker; 02-07-2017 at 7:45 PM.
    Mortgage 16/03/2011: £190K 01/01/2017: £107,729.65 01/07/2017: £95,979.89
    OPs 2011-2016 = £45K 2017 OPs = £9250.20
    • greent
    • By greent 5th Jul 17, 10:46 AM
    • 6,066 Posts
    • 61,319 Thanks
    greent
    Hi me - just caught up with your diary (have been mia with regards to reading mf diaries for a while ) - it *is* hard with small children and a OH away - been there several times for months (only weekdays) and you have my full sympathy - but you have survived - and hopefully a change in childcare provider will make life easier if it happens again xx
    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) £4070/£3286
    Net sales 2017 £763.00/£500 PAYDOX17 £10787/£10k Decluttered 1284/2017 items
    • museumworker
    • By museumworker 6th Jul 17, 7:28 AM
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    • 10,658 Thanks
    museumworker
    Confirming July's OP of £1376.85 PLUS £7.09 from TCB.

    Current mortgage balance: £95,979.89

    Worked out we need to OP £1600 a month on average to pay off mortgage in next 4 years . Definitely need to reassess our finances over the summer to see if we can squeeze out an extra few quid.
    Mortgage 16/03/2011: £190K 01/01/2017: £107,729.65 01/07/2017: £95,979.89
    OPs 2011-2016 = £45K 2017 OPs = £9250.20
    • museumworker
    • By museumworker 7th Jul 17, 9:51 AM
    • 1,865 Posts
    • 10,658 Thanks
    museumworker
    Spent £5 on lunch yesterday as travelling and then when I arrived at the meeting they had put on a huge buffet!

    OH and I tackled the paperwork mountain in our bedroom last night. Literally filled a wheely bin with recycling AND we've not even finished yet!! Sent OH to nursery with bag of spare clothes for them that DD has outgrown. He grumbled, but at least its gone.

    DS has a school fete today, I raided our drinks stash and although there were very slim pickings, managed to find a couple of bottles for the tombola (mulled wine in July anyone? )

    Today I need to buy biscuits and coffee for a meeting (I WILL claim back) and lunch, although will take the last dregs of my salad stuff from the fridge to the site I'm working at this afternoon so won't have to spend too much.

    Tonight I want to put all the charity books in the car so OH can drop them off tomorrow, and put the last bits of recycling in the bin.

    Time to text cleaner to ask her NOT to go in our bedroom !
    Mortgage 16/03/2011: £190K 01/01/2017: £107,729.65 01/07/2017: £95,979.89
    OPs 2011-2016 = £45K 2017 OPs = £9250.20
    • museumworker
    • By museumworker 8th Jul 17, 10:17 PM
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    • 10,658 Thanks
    museumworker
    Aargh - think I left the refreshments receipt in a slightly yoghurt filled bag!

    It's at a different site so will email Monday to see if anyone has it. Can't claim without it.

    On upside I took my (meagre) spare food from work fridge for lunch, plus there were leftover sandwiches from an event I didn't even know about, so had free lunch

    Finished sorting books yesterday, sent 7 bag loads (maybe 100-120?) to charity today, and have about 70 to trade in. OH going to bring one more free box from work as courier won't pick up boxes over a certain weight and the current two boxes are HEFTY!

    Had a Thames water visit, they do free leak checks and advice now we are on a meter. Gave us free shower timers, new aerated shower heads, our toilet now has a half flush mode, and they are going to come back and fix our drippy sinks and toilets FOR FREE! Although it looks like our water bills will rise about £90 pa with the meter, at least these changes will ensure we are not wasting water and only paying for what we use.

    Planned our afternoon round a trip to the Olympic fountains for the kids, only to find out after paying for parking that they were switched off an hour earlier than scheduled! DS was v upset - and then when he found out OH had lost his swimsuit, he was inconsolable. OH took him to buy a new one, which seeing as the last one was too small and free, was probably overdue anyway.

    Not an entirely wasted trip though as at Westfield returned things for DD worth £42 to her personal account and unwanted Clark$ shoes for a £145 refund to the house account.

    Tried localish cobblers for first time, £7 for boots reheel compared to £21 last time I had them done near work, or £16 with Timp$ons. Had three pairs to do, so massive savings there!

    £8.10 in parking, £10 in ice creams, £2 on baguettes, £9 boots reheel deposit + the swimsuit.

    Had dinner from food stores, and lunch at home too. Also hung two loads of washing on the line - have been using dryer for last two summers due to full on nature of kids (and old line being taken down!) OH bought new line and pegs this week so determined to not use drier until the autumn. Wonder how much that will save us per load?
    Last edited by museumworker; 08-07-2017 at 10:20 PM.
    Mortgage 16/03/2011: £190K 01/01/2017: £107,729.65 01/07/2017: £95,979.89
    OPs 2011-2016 = £45K 2017 OPs = £9250.20
    • museumworker
    • By museumworker 9th Jul 17, 11:03 AM
    • 1,865 Posts
    • 10,658 Thanks
    museumworker
    And then I come downstairs and find OH has put the next load through the dryer - including two of my dresses which shrink, so now I need to steam them. Honestly! And we spoke only yesterday about not using it.

    Just finished MvM diary, love his dedication and enthusiasm! I need to catch up with my favourite old diaries, but any new faves people can recommend?

    Quick porridge breakfast then taking kids to birthday party, so free lunch (although mine will probably want to eat before the party!) Present already bought, just need to wrap and pick up card.

    Hoping to finish KMing the paperwork tonight in our room, there is still loads left so wish me luck!

    It is less than a month til our next house swap so in an ideal world would love to have finished the komono category by then!
    Mortgage 16/03/2011: £190K 01/01/2017: £107,729.65 01/07/2017: £95,979.89
    OPs 2011-2016 = £45K 2017 OPs = £9250.20
    • museumworker
    • By museumworker 10th Jul 17, 6:00 PM
    • 1,865 Posts
    • 10,658 Thanks
    museumworker
    Party was lovely and 4 of us had a free lunch. Dinner was a sausage casserole using some freezer foods, OH is hoping we can get through the week on a £35 spend which would be A.MAZ.ING!

    Made massive progress with the paperwork, hoping to finish tonight.

    Have revisited our internet, is currently £42 pm including line rental for high speed line, thanks to V!rg!n raising prices by stealth . We can get it down to £34 inc. set up costs with BT plus £125 Visa card + £50 cash back. Also looking to move my mobile to them, 3x amount of data, but £5 cheaper a month AND a £75 Amazon card. Of course, V!rg!n then offered to send us a new faster hub for free and reduce payments to £34 for 100mbps but I'm still tempted to move.

    Will save £8pm for internet + £5pm for mobile + £250 worth of free cash/vouchers = £404 in a year. No brainer, right?

    £2 spent on lunch today, and started reading Mr Money Moustache's blog. Only 5 years to catch up on, but a very interesting approach to finance and creating a passive income to pay for early retirement. Definitely food for thought as we've focused on being mortgage free but not necessarily thought of other tools to allow us to be financially independent.

    On another note, those who fail to plan, plan to... put the dryer on when they're rushing out the house in the morning. I know. Just off to hang out another washload in penance.
    Last edited by museumworker; 10-07-2017 at 6:02 PM.
    Mortgage 16/03/2011: £190K 01/01/2017: £107,729.65 01/07/2017: £95,979.89
    OPs 2011-2016 = £45K 2017 OPs = £9250.20
    • museumworker
    • By museumworker 11th Jul 17, 7:21 AM
    • 1,865 Posts
    • 10,658 Thanks
    museumworker
    Paperwork is soooo close to completion, just have three folders to go through tonight and WE ARE DONE! Can't wait to post an after picture on my KM app (oh, the free joy!)

    OH has taken all the shredding to work today, so can start taking all the 'work files' there from tomorrow too. MSE because having our house sorted means we can house swap and save ££££s on holidays.

    Looked up airport parking costs online, at one moment we were about to have to go by public transport as it was £180!! But after a lot of looking around, have found a v reputable company to do meet and greet for £88 plus 8% cash back. Will book that this evening. OH is so relieved as the idea of 2.5 hours by public transport with three kids, a buggy, 3 bags and 5 carry one was making him panic!

    Today hoping to make my own healthy, cheapish lunch and to tackle some of the laundry in the 'delicates' bag, which hasn't been touched for forever and a woolly jumper. Oh, and finish that paperwork!
    Mortgage 16/03/2011: £190K 01/01/2017: £107,729.65 01/07/2017: £95,979.89
    OPs 2011-2016 = £45K 2017 OPs = £9250.20
    • museumworker
    • By museumworker 12th Jul 17, 6:54 AM
    • 1,865 Posts
    • 10,658 Thanks
    museumworker
    Logged into Onep0ll for first time in three years and delighted to find a balance of £22.15. Bonus of not being on for so long was lots of new lifestyle surveys to complete, earning an extra £1.70 There were even more surveys to do but these mysteriously disappeared!

    £9 spent at supermarket for healthy salad lunches and snacks for 3 days, and 15 days worth of breakfast. I got into a habit of using ready sachets of porridge but instead bought bag of basic oats to nuke instead, literally 1/5 of the price! My main meal is now at work so I need something substantial and nutritional, I don't think I can go much cheaper than this.

    Bought coffees and cake for colleague, £4.48 from personal spend.

    On a down note just found out meds I'm on have caused 7 kg weight gain in as many weeks Doctor thinks need to stay on them for 9 months. Clothes are starting not to fit and am at upper end of healthy BMI so as part of MSE / general wellbeing drive need to stop weight gain at very least. Need v strict eating and exercise plan. This morning have done 7 mins of tummy exercise.
    Mortgage 16/03/2011: £190K 01/01/2017: £107,729.65 01/07/2017: £95,979.89
    OPs 2011-2016 = £45K 2017 OPs = £9250.20
    • shangaijimmy
    • By shangaijimmy 12th Jul 17, 8:02 AM
    • 2,151 Posts
    • 9,643 Thanks
    shangaijimmy
    As a recent holidaying family of 3 kids, 1 buggy, 2 suitcases and 5 carry on bags also i can confirm that meet and greet is fantastic!! I'd rather not go at all if public transport was the only option...(ever so dramatic...)
    MFW: Turning June 2036 into March 2023... 29//120 Payments Challenge, Diary Reduction £30,703.25
    Aug 2009: £163,051 // Current: £105,296.75 // Avg Daily Interest £4.73
    MFiT-T4 #8 - 47.86% of £41,000
    • museumworker
    • By museumworker 12th Jul 17, 8:50 PM
    • 1,865 Posts
    • 10,658 Thanks
    museumworker
    As a recent holidaying family of 3 kids, 1 buggy, 2 suitcases and 5 carry on bags also i can confirm that meet and greet is fantastic!! I'd rather not go at all if public transport was the only option...(ever so dramatic...)
    Originally posted by shangaijimmy
    I'll tell OH that you said that, he'll be really pleased to have some support! Hope you had a lovely holiday.
    Mortgage 16/03/2011: £190K 01/01/2017: £107,729.65 01/07/2017: £95,979.89
    OPs 2011-2016 = £45K 2017 OPs = £9250.20
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