Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • museumworker
    • By museumworker 1st Jan 12, 12:38 PM
    • 1,805Posts
    • 10,354Thanks
    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 32
    • museumworker
    • By museumworker 12th Jul 17, 9:01 PM
    • 1,805 Posts
    • 10,354 Thanks
    museumworker
    Disaster with the porridge today, had to chuck out first attempt and try again! Need to take cup measure to work to get proportions right.

    The surveys mysteriously reappeared on 1poll and I have earnt another £1

    I also did something I have not been doing enough of the last few years - logged onto our current account and had a good look at our balance. I've been burying my head in the sand the last three years or so, so feels great to know exactly what our current balance is. I settled some nursery debts of about £400, then decided to make an OP to reflect my bonus (or most of it at least) of £399 (plus a 33p TT )

    This leaves us with £420 to get through the month, including 2 weeks of groceries, DDs birthday, teachers gifts, and hosting an exchange student. That's completely do-able, right? I do feel a bit panicky about it if I'm honest.

    I plan to check balance daily (and chuck in the odd TT, of course!)

    I also cancelled the gym DD now the last payment has gone - that's £83pm saved - and found a rather random DD for the lotto for £18pm I completely forgot I'd set up in one of my mad moments so that's cancelled too.

    What with the phone savings, the last week we've saved £110pm

    Trying to see the weight gain in a more positive light, I can use this time to get into some good habits so when I come off the meds the weight will fall off. Porridge for breakfast, stuck to pre-planned snacks, salad for lunch and dinner tonight. Did 7 minute stomach toning exercise this morning and walked briskly for 45 minutes. Need to step up exercise but it was a good day overall so will take this one
    Last edited by museumworker; 12-07-2017 at 9:06 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
    • shangaijimmy
    • By shangaijimmy 12th Jul 17, 9:09 PM
    • 2,000 Posts
    • 8,494 Thanks
    shangaijimmy
    Some great progress with tidying up current account, and a good reminder for me to check our direct debits and standing orders.
    MFW: Turning June 2036 into March 2023...
    28//120 Payments Challenge, Diary Reduction £29,621.76
    Aug 2009: £163,051 // Current: £106,378.27 // Avg Daily Interest £4.78
    MFiT-T4 #8 - 42.45% of £41,000
    • greent
    • By greent 13th Jul 17, 3:39 PM
    • 5,930 Posts
    • 59,922 Thanks
    greent
    Another fan of meet & greet here
    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) £3490/£3286
    Net sales 2017 £753.38/£500 PAYDOX17 £10335/£10k Decluttered 11700/2017 items
    • museumworker
    • By museumworker 13th Jul 17, 7:42 PM
    • 1,805 Posts
    • 10,354 Thanks
    museumworker
    Another fan of meet & greet here
    Originally posted by greent
    Ok, ok! Maybe OH (and you guys) have a point!

    DD has been offered a full time place at the nursery round the corner. Woohoo! Start settling mid-Sep, can't wait for childfree commutes again!! Costs tbc in September but will be less than paying now once 30 hours calculated.

    Real surveys starting to come through on 0nepoll today, 30p earnt.

    Eeked lunch items out and had only planned snacks.

    A TT of 76p, noticed a few things came out that had been bought a few days before so already £16 down.

    Took DD to softplay for free session this morning and the thing she loved most was the IKEA play till... Guess what her main present is going to be? She'll love it! (And at only £14, so will I!) Plan to pick it up on the weekend.

    KMed toys in living room focusing on the playfood and play kitchen and a lot of duplicate items are now ready for charity. Much tidier and DD2 playing with them more already.

    Finally got DS diagnosed with something that the GP has been misdiagnosing for a year. Great news as now we can begin the right treatment, downside it needed a private referral which will cost us £100 excess. And yes, it was exactly what I thought it was when I took him to the doctors many many months ago. Hope this excess comes through in August as will really scupper my budget.

    Early night needed. Paperwork still staring at me. Cleaner comes tonorrow so MUST get that cleared at least.
    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 14th Jul 17, 11:35 PM
    • 1,805 Posts
    • 10,354 Thanks
    museumworker
    Late evening due to:
    a) trying to find that blinking Meet & Greet deal... searched history, tried every single parking company on TCB, and could I find it? Could I heck! Instead found a v v reputable one for £95 direct, £65 cheaper than quoted via agents from TCB but no cashback. Booked it before I lost it again. Which is fine BUT:
    b) I had a 'Spend £10 and get a £2.50 cash bonus' via TCB which ends midnight tonight. Cue me spending ages with really complicated holiday travel insurance quotes which get really messy (and expensive) once you declare all of our various health issues. Felt like crying, decided too complex a decision to make now and couldn't think of a single other thing wanted or needed to buy BUT THEN:
    c) Remembered DS will DEFINITELY need school trousers next size up for new school year. Ge0rge, £3 a pair, 5 pairs bought, free collection, 5% cashback + £2.50 bonus.

    Blinding! Now I can finally drag myself to bed. Night all!
    Last edited by museumworker; 14-07-2017 at 11:41 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 15th Jul 17, 11:31 AM
    • 1,805 Posts
    • 10,354 Thanks
    museumworker
    A plea: please please please can someone shout at me if I start posting late at night! Ended up unable to sleep til 2am and now feel a right mess. I've been unwell and am recovering with the meds but it will be a long journey and the first priority is my health. I've just been unable to handle keep myself calm during my cancellation call with V!rgin, I'm so cross with them about overcharging for a rubbish service and then after 15 min wait first call was disconnected . I'm normally very courteous as I've worked in customer service so disappointed with myself for being rude when I finally got back through. Back in bed with a herbal tea and a book in an attempt to practice some self-care.
    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 15th Jul 17, 1:30 PM
    • 1,805 Posts
    • 10,354 Thanks
    museumworker
    Am closing this diary - expect a happy, new shiny diary soon!
    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 15th Jul 17, 3:55 PM
    • 5,930 Posts
    • 59,922 Thanks
    greent
    Looking forward to seeing the new diary 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) £3490/£3286
    Net sales 2017 £753.38/£500 PAYDOX17 £10335/£10k Decluttered 11700/2017 items
    • Courgette
    • By Courgette 15th Jul 17, 6:10 PM
    • 1,696 Posts
    • 17,594 Thanks
    Courgette
    Hi mw, good to see you posting regularly again! Will keep an eye out for the new diary!
    A reminder to myself: Persistence Pays Off
    Mortgage 1: £95,000 £78,900 at 3.1%
    Mortgage 2 (BTL): £83, 489.15 at 2.99% (I.O.)
    Savings (S&S ISA): £3000 Plus 6 months emergency savings earning 3%
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

254Posts Today

1,320Users online

Martin's Twitter
  • Byebye! I'm about to stop work & twitter, to instead spend glorious time with Mrs & mini MSE. Wishing u a lovely summer. See u in 10 days.

  • WARNING Did you start Uni in or after 2012? The interest's rising to 6.1%; yet it doesnt work like you think. See https://t.co/IQ8f0Vyetu RT

  • RT @JanaBeee: @MartinSLewis Boris is the anomaly (coffee), the others are versions of normal (beer). Lots of same candidates = vote share d?

  • Follow Martin