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  • FIRST POST
    • sleepygirl126
    • By sleepygirl126 19th Oct 13, 10:38 PM
    • 278Posts
    • 626Thanks
    sleepygirl126
    Mortgage free by 50!!!!
    • #1
    • 19th Oct 13, 10:38 PM
    Mortgage free by 50!!!! 19th Oct 13 at 10:38 PM
    I'm 36 now and a single mum.....I have a mortgage of 152,572 which is IO....I am overpaying by £70 per month already and I'm determined to pay it off by the time I'm 50!!!
Page 10
    • sleepygirl126
    • By sleepygirl126 1st Oct 17, 9:56 AM
    • 278 Posts
    • 626 Thanks
    sleepygirl126
    So...yesterday was a bit spendy ..I took my mum to tea at the Ritz in London and I had to pay for the tube etc too...well worth it though as it was her big birthday so we had to celebrate! It was lovely but I think you pay for the surroundings and the ambience..I bought a new picture for the living room too as I've been looking for the right one for 2 years!!! I finally found the perfect one in the D*benhams sale..
    Back to being good today...went through the freezer and cupboards , made a shopping list for Mr T and will pop along today and buy it..i always put a £1 worth of shopping in the food bank too...there but for the grace of god go any of us! I couldn't imagine being unable to feed DS
    Octobers first OP made too...the standard one added to my direct debit £68.08
    Last edited by sleepygirl126; 01-10-2017 at 9:59 AM.
    Original mortgage £154,850 (2013)
    Mortgage now £148,370.15

    Original savings £0 (2013)
    Savings now £3000 in ISA and premium bonds
    £60 in mini savings pot, £600 in Xmas vouchers
    • niftythrifty33
    • By niftythrifty33 1st Oct 17, 1:07 PM
    • 434 Posts
    • 860 Thanks
    niftythrifty33
    Hi Sleepygirl, I've just read some of your posts, you are doing really well and very focussed. I haven't been on here for ages or posted on my diary but you've inspired me to start again. Thank you
    Mortgage (2004) - orig £78,000 - now £45,000
    Home loan (2004)- orig £10,000 - now £2,393 ZERO-Paid off!!!

    OP's since March 2015 Total £3,992
    Small steps with a small budget!
    • sleepygirl126
    • By sleepygirl126 1st Oct 17, 3:35 PM
    • 278 Posts
    • 626 Thanks
    sleepygirl126
    Hi nifty ...thanks so much! I'm plodding on and trying to OP as much as possible without depriving ourselves too much!
    I've batch cooked for the week as well as doing a nice Sunday dinner for us and DS and I have been to Mr T to do the weekly shop..
    So DS has chilli + rice x4 and chicken curry and rice x4 in the freezer for about 80p a portion and much healthier than ready meals...little things like this help so much!
    Original mortgage £154,850 (2013)
    Mortgage now £148,370.15

    Original savings £0 (2013)
    Savings now £3000 in ISA and premium bonds
    £60 in mini savings pot, £600 in Xmas vouchers
    • Mrs Money Penny
    • By Mrs Money Penny 1st Oct 17, 5:01 PM
    • 718 Posts
    • 6,251 Thanks
    Mrs Money Penny
    Hi Sleepygirl Batch cooking does make such a difference in saving money. I always manage to safe a portion to put in the freezer I have brought loads of plastic cheap tubs. I take loads of meals like this up to my daughter Who lives in an expensive area and is a teacher to help her out each month. Took about 14 meals up last weekend I visited. Anything to help her out and make life easier for her.
    I want to go through all my receipts over the coming weeks. I have so many I have printed out or pulled out of magazines that I am sure that I have enough for a new receipe every day for life. A whole cupboard full. So need to sort, make and try some, could do with a change.
    Wishing you a good money saving week ahead.
    MFIT T4 40
    MFIT Challenge save £40k
    £55526:/36617/18909
    • sleepygirl126
    • By sleepygirl126 1st Oct 17, 8:09 PM
    • 278 Posts
    • 626 Thanks
    sleepygirl126
    Aw that's a fab idea to help your daughter out...the only problem with batch cooking is having to play freezer jenga!!
    We should definitely share some recipes on here...there are lots of batch cookers on here!!
    Original mortgage £154,850 (2013)
    Mortgage now £148,370.15

    Original savings £0 (2013)
    Savings now £3000 in ISA and premium bonds
    £60 in mini savings pot, £600 in Xmas vouchers
    • sleepygirl126
    • By sleepygirl126 2nd Oct 17, 8:20 AM
    • 278 Posts
    • 626 Thanks
    sleepygirl126
    So...I've hit a bit of a blip this month...I bought DS some new clothes and paid for theatre tickets and bought a new picture forgetting that I had to pay a chunk of my holiday off this month...we have £390 left for the month if I make my mid month OP of £155...so I'm going to give it a go! I can get away with a £10-15 fresh shop next week as the freezer is full, and we have plenty of tins etc...I have my savings there if I need them but I'm going to try my best...I've got some more stuff to go on fleabay so I can make some extra OPs.
    It's 29 days of my life right?? I can do this!
    Original mortgage £154,850 (2013)
    Mortgage now £148,370.15

    Original savings £0 (2013)
    Savings now £3000 in ISA and premium bonds
    £60 in mini savings pot, £600 in Xmas vouchers
    • sleepygirl126
    • By sleepygirl126 2nd Oct 17, 6:43 PM
    • 278 Posts
    • 626 Thanks
    sleepygirl126
    So...I've tried to have a good start...NSD today...its hard work though! I love my £1 or 2 spend a day ...it stops me spending anything else!! My new picture came for the living room...it's lovely and exactly matches the colour scheme in there too!
    I've sold my first thing on fleabay £12.50 for a crappy broken phone! So that's an OP and I also managed just under £10 OP from the money left over from the bills...I'm not sure if there will be much else but I will do my best!!
    off to walk the dog, cook tea (DS is dying of hunger apparently) and watch the fantastic Liar!!
    Original mortgage £154,850 (2013)
    Mortgage now £148,370.15

    Original savings £0 (2013)
    Savings now £3000 in ISA and premium bonds
    £60 in mini savings pot, £600 in Xmas vouchers
    • sleepygirl126
    • By sleepygirl126 3rd Oct 17, 7:37 AM
    • 278 Posts
    • 626 Thanks
    sleepygirl126
    Morning! Im drinking tea and defrosting piri piri chicken that I bought in the butchers for DS' dinner tonight...I'll have a quorn thingy that's in the freezer...
    It won't be a NSD today as I forgot to buy corn on the cob in Mr T on Sunday and it's DS only moan free vegetable so we have it weekly! I'm going to serve some nice baked potatoes with it!
    I have also run out of prescription iron tablets and feel like death without them so I need some more...shouldn't be too spendy though!
    On the upside business is going really well and I should be able to give myself a pay rise at xmas! Yay!
    Original mortgage £154,850 (2013)
    Mortgage now £148,370.15

    Original savings £0 (2013)
    Savings now £3000 in ISA and premium bonds
    £60 in mini savings pot, £600 in Xmas vouchers
    • sleepygirl126
    • By sleepygirl126 3rd Oct 17, 7:23 PM
    • 278 Posts
    • 626 Thanks
    sleepygirl126
    Yay...£7 cash back in my bank account ...that's going to be another OP!
    Original mortgage £154,850 (2013)
    Mortgage now £148,370.15

    Original savings £0 (2013)
    Savings now £3000 in ISA and premium bonds
    £60 in mini savings pot, £600 in Xmas vouchers
    • sleepygirl126
    • By sleepygirl126 4th Oct 17, 4:23 PM
    • 278 Posts
    • 626 Thanks
    sleepygirl126
    No OPs today but another item has sold on fleabay so that will be another OP for the pot...my Xmas vouchers came today and are safely tucked away ready to be spent nearer the time...I've started the direct debit to save for them again too in December ..
    It's very cold today and I am considering putting the heating on...I hate to to it but we can't freeze!!!!
    Original mortgage £154,850 (2013)
    Mortgage now £148,370.15

    Original savings £0 (2013)
    Savings now £3000 in ISA and premium bonds
    £60 in mini savings pot, £600 in Xmas vouchers
    • sleepygirl126
    • By sleepygirl126 5th Oct 17, 7:40 AM
    • 278 Posts
    • 626 Thanks
    sleepygirl126
    I've updated my signature and it will probably stay like that until mid month when my big £155 OP goes out on standing order.
    The heating went on last night...it was chuffing freezing in here! I was bemusedly watching the Apprentice ...where on earth do they find these people from in the business world?
    I'm still working towards a proper pay rise in December..it will be lovely to be on a proper wage again...it's looking promising so fingers crossed!!
    Original mortgage £154,850 (2013)
    Mortgage now £148,370.15

    Original savings £0 (2013)
    Savings now £3000 in ISA and premium bonds
    £60 in mini savings pot, £600 in Xmas vouchers
    • sleepygirl126
    • By sleepygirl126 7th Oct 17, 7:34 AM
    • 278 Posts
    • 626 Thanks
    sleepygirl126
    Horrific news yesterday : a lovely ex colleague and friend collapsed and died in work ...aged only 43. Life is so precious and I am hugely saddened by his loss.
    Times like this remind us all of our own mortality and it makes it even more important to find the balance between OPs and enjoying life.
    I did a survey at home last week and had a love2shop voucher in the post today and am going to treat myself to new boots with it...
    I have a date with a nice fella too so we're off for dinner tonight as DS is with his dad...I'm working all day today as the business is manic this week too
    Original mortgage £154,850 (2013)
    Mortgage now £148,370.15

    Original savings £0 (2013)
    Savings now £3000 in ISA and premium bonds
    £60 in mini savings pot, £600 in Xmas vouchers
    • sleepygirl126
    • By sleepygirl126 9th Oct 17, 7:50 AM
    • 278 Posts
    • 626 Thanks
    sleepygirl126
    Had far too good a night on Saturday and missed my train home!! Ended up paying £35 for a taxi...fuming with myself and not very MSE!!
    Made up for it yesterday by having a NSD and putting some more stuff on fleabay ...
    Back to it today...busy day in work to come!
    There's been a story on social media this weekend about a young couple that have saved very hard for their deposit and bought a house at a very young age. I thought it was a lovely story but the negativity that they have received on line is shocking!! Why can't people be pleased for others success?
    Original mortgage £154,850 (2013)
    Mortgage now £148,370.15

    Original savings £0 (2013)
    Savings now £3000 in ISA and premium bonds
    £60 in mini savings pot, £600 in Xmas vouchers
    • daisy 1571
    • By daisy 1571 9th Oct 17, 1:04 PM
    • 169 Posts
    • 2,073 Thanks
    daisy 1571
    Morning, i agree it's quite sad how people are not happy for another's success. I personally feel it doesn't take anything away from me so I can't understand how folk can get bent out of shape just cos someone else wants to live a different way, I love it when someone else does well and am genuinely happy for them. Hence my hanging about these forums encouraging others wherever I can, you too are managing really well, well done

    Daisy xx
    "Never save something for a special occasion. Every day in your life is a special occasion" Take hold of every moment by anon

    The difference between what you were yesterday and what you will be tomorrow is what you do today
    • sleepygirl126
    • By sleepygirl126 9th Oct 17, 5:03 PM
    • 278 Posts
    • 626 Thanks
    sleepygirl126
    Aw thank you Daisy for taking the time to drop by and your lovely words xx
    Original mortgage £154,850 (2013)
    Mortgage now £148,370.15

    Original savings £0 (2013)
    Savings now £3000 in ISA and premium bonds
    £60 in mini savings pot, £600 in Xmas vouchers
    • sleepygirl126
    • By sleepygirl126 10th Oct 17, 9:09 PM
    • 278 Posts
    • 626 Thanks
    sleepygirl126
    So the heating is on!! I was freezing this evening...
    Just got in from my monthly meal out with my friend..she paid tonight so it was free and absolutely lovely!!
    I'm just about to curl up and watch Cilla now...
    Original mortgage £154,850 (2013)
    Mortgage now £148,370.15

    Original savings £0 (2013)
    Savings now £3000 in ISA and premium bonds
    £60 in mini savings pot, £600 in Xmas vouchers
    • sleepygirl126
    • By sleepygirl126 11th Oct 17, 3:40 PM
    • 278 Posts
    • 626 Thanks
    sleepygirl126
    Just popped into the butchers in our local market...6 sausages, 4 pieces of marinated chicken and 500g of mince...£10...that will make 12 meals for DS (I'm veggie!)
    I'm going to make chilli con carne as a batch cook, and he's got 2 garlic chicken and 2 piri piri as well as the sausages...I spent £14 in Tesco on Monday and I'll pick up some more fruit and veg from the green grocer tomorrow...shopping this week under £35 and I won't need to buy any meat next week either!
    Original mortgage £154,850 (2013)
    Mortgage now £148,370.15

    Original savings £0 (2013)
    Savings now £3000 in ISA and premium bonds
    £60 in mini savings pot, £600 in Xmas vouchers
    • sleepygirl126
    • By sleepygirl126 12th Oct 17, 8:34 AM
    • 278 Posts
    • 626 Thanks
    sleepygirl126
    Woke up full of lurgy this morning!! Never mind...I'm dosed up and ready to plod on! I've got a really busy day in work today too...
    Both my one poll and you gov are nearly ready to pay out...I only need a few more surveys on each...that's going to be a very nice OP of £90
    I watched the Apprentice again last night...I'm lost for words..how on earth do these people run their own businesses!!!! I work so hard in mine every day...I really despair of them!!
    Original mortgage £154,850 (2013)
    Mortgage now £148,370.15

    Original savings £0 (2013)
    Savings now £3000 in ISA and premium bonds
    £60 in mini savings pot, £600 in Xmas vouchers
    • sleepygirl126
    • By sleepygirl126 13th Oct 17, 8:42 AM
    • 278 Posts
    • 626 Thanks
    sleepygirl126
    Still full of lurgy...never mind!! I'm plodding on
    TCB is now at £192 so I'm excited for it to roll on to 'payable' ...I'll have to be patient , it takes a while...
    Was at parents forum at school last night ..it went on til quite late due to a nasty fight in one of the year groups last week...I honestly I despair of kids today!! My son was nowhere near it but still !! So by the time I got home, both DS and I were starving so I chucked together sausage and mash for him and a frozen veggie tart thing for me with mash..it was ready in 25 mins even though I peeled the spuds and made the mash fresh...not particularly inspiring or healthy but it fed us!!
    Original mortgage £154,850 (2013)
    Mortgage now £148,370.15

    Original savings £0 (2013)
    Savings now £3000 in ISA and premium bonds
    £60 in mini savings pot, £600 in Xmas vouchers
    • sleepygirl126
    • By sleepygirl126 15th Oct 17, 8:04 AM
    • 278 Posts
    • 626 Thanks
    sleepygirl126
    Still full of lurgy but I managed a full day in work yesterday...succumbed to fish and chips to feed us both though...I just didn't have the energy to cook!!
    I watched Strictly and then DS and I watched Mrs Browns Boys with microwave popcorn...we probably disturbed the neighbours due to our roars of laughter!!!
    So I have a special treat for DS today...he is animal mad so we are booked in to the cat cafe...10 rescue cats live there and the cafe supports the rescue charity! It's more expensive than a normal lunch as you have to pay to go in too but he'll love it and it's a great cause! Both my cat and dog are rescues and they are amazing pets! So not a very MSE weekend but we have to have some treats!
    Original mortgage £154,850 (2013)
    Mortgage now £148,370.15

    Original savings £0 (2013)
    Savings now £3000 in ISA and premium bonds
    £60 in mini savings pot, £600 in Xmas vouchers
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