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  • FIRST POST
    • ljaneyr
    • By ljaneyr 10th Apr 14, 7:36 PM
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    ljaneyr
    Janey's Journey to Becoming a MFW
    • #1
    • 10th Apr 14, 7:36 PM
    Janey's Journey to Becoming a MFW 10th Apr 14 at 7:36 PM
    After reading so many great and inspirational diaries on here, I have finally decided to start my own! I have dithered over whether to start a MFW diary since I got the mortgage 16 months ago, because we won't actually be able to overpay anything for a few more years yet. But after receiving a gentle push in the right direction from Lois_E, Pearla*Merle, gallygirl and Goldiegirl, I am finally getting on with it

    Our mortgage currently stands at £96,839.00 but will have nearly £500 interest added in a week or two

    However, before we can overpay, we need to save up to extend and completely renovate our house. My current estimate for the work and target to save is around £20,000 but this will probably change when we get drawings and planning.

    My main aim with this diary is to keep track of our progress. We have achieved so much in the last few years with saving a deposit, buying a house and getting engaged. I am, and always have been, a saver whereas my OH is definitely not! So I now have total control of our money (at his request)

    Anyway, I'm looking forward to chatting with you all, so please say hello if you're reading I will try to post regularly to help keep me motivated!

    Janey x
    Bought our house 2012 Married 2015 Started renovating 2015
    Renovation fund 100% Emergency fund 100% Future fund £2055

    "It is often said that before you die your life passes before your eyes. It is in fact true. It's called living." Terry Pratchett
Page 33
    • ljaneyr
    • By ljaneyr 24th Sep 16, 12:07 PM
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    ljaneyr
    Morning (it will be afternoon by the time I have typed this)

    Another extremely busy week and I'm struggling to find the positives New headteacher is demanding a lot and it's taking all my time in the evenings and again today to keep up. Next week we've got a SIP visit and a separate lesson observation. I've already spent 3 hrs planning the lesson and have more planning and resourcing to do

    My car is really poorly. Garage have explored all cheap(ish) options and it's booked in for head gasket or something to do with the cylinders next week estimated at £500-£1000. DH doesn't want to pay it and would rather continue topping the water up until we can get a new car but that won't be until after we remortgage in February as we'll need finance. It's all very well but he doesn't drive it

    To add to the annoyance, the water cap has broken and got stuck so I'll need to take it in on Mon because I can't top up the water. It wouldn't be too much hassle except the garage is 30 mins away and I'm already stupidly busy at work.

    Finally, that fertility program with Alex Jones annoyed me this week and there was a pregnancy announcement at work


    OK I'll stop moaning now I've got it off my chest

    It's been a spendy week but I did get a refund for some out of date houmous from Mr Ts and H@bitat refunded for a faulty bathmat which we are allowed to keep and I'm hoping we can fix it.

    Think I better leave before I start moaning again

    Janey X
    Bought our house 2012 Married 2015 Started renovating 2015
    Renovation fund 100% Emergency fund 100% Future fund £2055

    "It is often said that before you die your life passes before your eyes. It is in fact true. It's called living." Terry Pratchett
    • ljaneyr
    • By ljaneyr 24th Sep 16, 9:25 PM
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    ljaneyr
    Evening all,

    When I finally dragged myself out of my gloom today I actually had quite a productive day.
    • Finished lesson planning and resources
    • Ordered LED bulbs for our new bedside lamps
    • Tidied the pile of bags and boxes in the corner of our bedroom. These contain things that don't have a home yet...
    • Cleaned my riding hat! It gave me a rash on my forhead last week so I got some cleaner of fleabay - so far so good - will test tomorrow...
    • Picked up a new dressing gown from N£xt
    • Updated our Mr T order to be delivered tomorrow
    • Cleaned the bathroom and gave the floor a good scrub after the aforementioned H@bitat bathmat thing stained it
    • Batch-cooked a curry for tomorrow night and the freezer

    DH grouted some more of the bathroom and tiles half of the kitchen floor which meant I couldn't get in there until he'd finished.

    I'm not sure if I mentioned it on here but I finally sold my wedding dress on ebay for exactly half what I paid for it. Not bad considering I bought it two years ago and it was second hand then! So my mum can now fully open her spare bedroom door where it has hung for over a year and I've spent the money filling some gaps in my wardrobe.

    I'm going to look at new cars now - yawn...
    Bought our house 2012 Married 2015 Started renovating 2015
    Renovation fund 100% Emergency fund 100% Future fund £2055

    "It is often said that before you die your life passes before your eyes. It is in fact true. It's called living." Terry Pratchett
    • smallholdingsister
    • By smallholdingsister 25th Sep 16, 8:31 AM
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    smallholdingsister
    Hey Janey. Approved Foods have CBFMs for sale. Bizarrely. Xxx
    • ljaneyr
    • By ljaneyr 25th Sep 16, 6:18 PM
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    ljaneyr
    Hey Janey. Approved Foods have CBFMs for sale. Bizarrely. Xxx
    Originally posted by smallholdingsister
    Wow! That is cheap! If our car wasn't about to cost the earth I'd probably get one.. We're going to start treatment after xmas and I'm not looking forward to it. Not to mention juggling work and appointments
    Bought our house 2012 Married 2015 Started renovating 2015
    Renovation fund 100% Emergency fund 100% Future fund £2055

    "It is often said that before you die your life passes before your eyes. It is in fact true. It's called living." Terry Pratchett
    • ljaneyr
    • By ljaneyr 1st Oct 16, 2:37 PM
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    • 6,717 Thanks
    ljaneyr
    Hello, me again

    Well this month has been a bit of a roller coaster. Work has been insane with a new headteacher and the dread of ofsted. I have worked so much in the evenings and am really feeling the strain.

    I had a bit of a meltdown last week and cried at work and then on and off for about fours days A combination of another failed cycle and a new pregnancy at work. I had stupidly gotten my hopes up this month and now everyone will be talking about nothing but babies for the next 7 months

    Oh well, nothing I can do about it!

    In other news - I just bought a new car!!! The coolant has finally stopped leaking in my car and the garage suggested I move it on asap because apparently that model are prone to expensive problems in the coolant system. New car is from a local dealer so no more traveling half an hour to the garage and back. They took my old one part ex and new one is £5800 (after DH haggled a bit )which is almost all of our emergency savings. It has a years warrenty though and much cheaper tax, better mpg etc.

    I just checked and I have spent over £1000 repairing my car this year so we are well shot of it!

    Apart from the car, this month should be quite quiet financially so hopefully should be able to start building up the savings again.

    My main goal for this month is to try to resist the work stress a bit more successfully and try to lift my mood by getting outside and exercising more. I'm hoping this will help me feel less depressed.

    Right, I'm off to join the October NST thread.

    Janey x
    Bought our house 2012 Married 2015 Started renovating 2015
    Renovation fund 100% Emergency fund 100% Future fund £2055

    "It is often said that before you die your life passes before your eyes. It is in fact true. It's called living." Terry Pratchett
    • ljaneyr
    • By ljaneyr 1st Oct 16, 2:40 PM
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    ljaneyr
    October Challenge rules copied so I can remember them later:

    • The Challenge will commence on the 1st October @ 00:00 and end on the 31st October @ 23:59.
    • Kat Essentials
    • Set your DFD (Debt Free Day)
    • You will pay towards your debt / savings FIRST and live on what’s left. Choose the amount now.
    • Set all budgets before the start of the month, think ahead for any birthdays, outings etc.
    • Random Rule for September Celebrate your achievements with a Victory dance
    • Other Rules
    • Aim for 15 SFD (Spend Free day or No Spend day)
    • Extra cash – share any ideas which work, trawl the other threads for something you haven't tried recently.
    • Learn something new (might be fun)
    • Weekly mini challenge (details in later post)
    • Food budget should be set realistically (ideally at same level as last month or lower unless you have extra mouths to feed). Base your purchases around basics range and yellow stickered items.
    • You will NOT use any of the following; restaurants, cafes, work canteens, vending machines, takeaways ( yes really), Starbucks, Costa, Nero or any other chain cafe!
    • Lunch to work everyday and plan for appointments and days out (last chance for picnics and bbqs).
    • Travel budget – petrol or public transport for work, leisure, hospital appointments. Can you walk/cycle? Can you combine journeys – shopping/ work/ gym?
    • Any other regular budgets – children's activities etc.
    • Healthy eating – up your fruit and veg. If you are already getting your 5 a day (if not why not?) go for 7. Will make you feel better (especially if free or ys) and may help ward off all those annoying bugs which come with the changing seasons.
    • Make a food bank donation (3 items or £3) or alternative charity if preferred
    • Exercise 5 times a week, newbies and poorlies start with 10 minutes a day, get outdoors wherever possible.
    • Regular check ins – daily if possible.
    Bought our house 2012 Married 2015 Started renovating 2015
    Renovation fund 100% Emergency fund 100% Future fund £2055

    "It is often said that before you die your life passes before your eyes. It is in fact true. It's called living." Terry Pratchett
    • ljaneyr
    • By ljaneyr 1st Oct 16, 3:00 PM
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    • 6,717 Thanks
    ljaneyr
    NSDs - I lost track last month so plan to keep a note of them this month.

    Extra cash – probably won't have time but will continue to use cashback sites and search out bargains wherever possible.

    Learn something new - hoping to try zumba - does this count?

    Food budget - meal plan done for the month and first Mr T order arrives tomorrow. Aiming for no late night chocolate runs!

    You will NOT use any of the following; restaurants, cafes, work canteens, vending machines, takeaways ( yes really), Starbucks, Costa, Nero or any other chain cafe! - Oops! Had to have a therapeutic costa hot chocolate earlier to calm my nerves after the sudden car purchase

    Lunch to work everyday - always do this.

    Travel budget – again I always budget for this but have to drive to most places round here as it's so rural.

    Healthy eating – up your fruit and veg. I'm rubbish at fruit in the colder months so will try really hard with this one.

    Make a food bank donation will do this next week at our school harvest festival.

    Exercise 5 times a week need to keep a record of this.

    Regular check ins – will try to be better at this too!

    And a personal challenge - record something happy every day. Look into mindfulness?
    Bought our house 2012 Married 2015 Started renovating 2015
    Renovation fund 100% Emergency fund 100% Future fund £2055

    "It is often said that before you die your life passes before your eyes. It is in fact true. It's called living." Terry Pratchett
    • Watty1
    • By Watty1 1st Oct 16, 5:18 PM
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    Watty1
    So sorry about the pregnancy news. I know it is a tough one.
    Chin up - zumba definitely counts as something new, its one I want to try
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £68801
    • ljaneyr
    • By ljaneyr 1st Oct 16, 8:15 PM
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    ljaneyr
    Thanks for dropping in Watty

    I certainly don't begrudge anyone getting pregnant, but it is a constant reminder and I seem to cope best when I can forget it. Everyone around me seems very fertile at the moment!

    I've had a nice day pottering around at home while DH tiles the kitchen floor downstairs. It's turning out to be an unexpected quiet weekend and is exactly what I need at the moment. I've done a bit of cleaning upstairs, sorted out our finances and done a bit of internet research on the next things we need to buy.

    We had a naughty takeaway for dinner from the amazing american/mexican restaurant that only uses home grown veg - yum! We'll probably take the dogs out for a short walk before bed and I hope to read a bit of my new book - American Gods - before I go to sleep. Bliss.

    Janey (feeling a bit happier) x
    Bought our house 2012 Married 2015 Started renovating 2015
    Renovation fund 100% Emergency fund 100% Future fund £2055

    "It is often said that before you die your life passes before your eyes. It is in fact true. It's called living." Terry Pratchett
    • ljaneyr
    • By ljaneyr 2nd Oct 16, 2:51 PM
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    ljaneyr
    What a lovely sunny day!

    Today has been rubbish again in terms of spends and healthy eating because my kitchen is in chaos while DH tiles the floor. We have had pasties for lunch and DH asked if we are having spag bol. for dinner - er! No! We will be having something very quick like omelette!

    My school work is all done and ready for tomorrow and now I'm going to get outside and find something to do in the garden for a bit.

    Janey x
    Bought our house 2012 Married 2015 Started renovating 2015
    Renovation fund 100% Emergency fund 100% Future fund £2055

    "It is often said that before you die your life passes before your eyes. It is in fact true. It's called living." Terry Pratchett
    • ljaneyr
    • By ljaneyr 3rd Oct 16, 7:55 PM
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    ljaneyr
    Evenin'

    I didn't spend too long outside in the end as the sun was already behind the trees and it was a bit chilly! We had a nice evening dog walk though and hung around in the back garden to watch the ISS pass over! It was my first time and I really enjoyed it! The best bit was settling down in bed to watch Poldark with a lovely mug of proper made-with-milk hot chocolate

    Today has also been OK. I managed to get home early by 4.30 and not bring any work home for the first time this term. I made a quorn bolognese and we're going to walk the dogs again before I hope to get an early night.
    • NSD
    • 4 out of 5 fruit and veg - must try harder
    • Exercise - 1.5 mile dog walk - a lovely evening walk is our best time to talk together
    • Happy - falling asleep while reading my book at ten to ten

    Will finish my list later. Going to read my book for a bit while DH finishes off a bit more tiling.

    Janey x
    Last edited by ljaneyr; 04-10-2016 at 7:35 PM.
    Bought our house 2012 Married 2015 Started renovating 2015
    Renovation fund 100% Emergency fund 100% Future fund £2055

    "It is often said that before you die your life passes before your eyes. It is in fact true. It's called living." Terry Pratchett
    • ljaneyr
    • By ljaneyr 4th Oct 16, 7:44 PM
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    ljaneyr
    Another successful day. I managed to leave school just before 5pm and didn't bring any work home with me again We have a meeting tomorrow so I'll probably end up with a massive list.

    I still feel a bit flat but managed to block most thoughts of pregnancy/babies and avoided all conversations.

    Today is a NSD again (2/15)

    Things that have made me feel happy:
    A girl in my class made me a 'best teacher' certificate with the most horrendous spelling and mini pom-poms!
    I had to pull over for two shetlands pulling a trap on the way home.
    One of the 'three word Tuesdays' on the radio made me lol in the car!

    Time for some food I think and then I'll see if I can be bothered to brave the strong winds to walk the dogs.

    Janey x
    Bought our house 2012 Married 2015 Started renovating 2015
    Renovation fund 100% Emergency fund 100% Future fund £2055

    "It is often said that before you die your life passes before your eyes. It is in fact true. It's called living." Terry Pratchett
    • ljaneyr
    • By ljaneyr 7th Oct 16, 9:08 PM
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    ljaneyr
    Happy Friday

    We've had quite a spendy few days but all of it essential...except for the church pew that I bought on facebook It is lovely though...

    New mattress arrived today and feels very comfy. The rooms of the house that we use are tidy, Mr T order is done, dogs are walked and 3 loads of washing done.

    I'm quite excited to pick up my new car tomorrow

    Janey x
    Bought our house 2012 Married 2015 Started renovating 2015
    Renovation fund 100% Emergency fund 100% Future fund £2055

    "It is often said that before you die your life passes before your eyes. It is in fact true. It's called living." Terry Pratchett
    • slowlyfading
    • By slowlyfading 7th Oct 16, 9:52 PM
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    • 73,237 Thanks
    slowlyfading
    Happy Friday and happy new car day for tomorrow
    Be who you are and say what you feel because those who mind don't matter and those who matter don't mind - Dr Seuss
    Personal Finance Blogger / Dec NSD - 3/15 / Ultimate Dream Fund - £10,417.97/£306,000
    Engaged 14/08/10 // Married 31/03/12 // DS born August 15
    • ljaneyr
    • By ljaneyr 8th Oct 16, 2:42 PM
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    ljaneyr
    Thanks for dropping in SF

    The car is a reluctant purchase but I am looking forward to having it! We're leaving in an hour Then we need to fill up our savings again. I'm also thinking of building up a £500 buffer in the car column of the spreadsheet in case we end up in this situation again. Even new tyres are a huge expense if you're not expecting it
    Bought our house 2012 Married 2015 Started renovating 2015
    Renovation fund 100% Emergency fund 100% Future fund £2055

    "It is often said that before you die your life passes before your eyes. It is in fact true. It's called living." Terry Pratchett
    • ljaneyr
    • By ljaneyr 15th Oct 16, 11:54 AM
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    ljaneyr
    Morning everyone

    It's been a bloomin' busy week here!

    New car collected last week and I really love it. It's extremely clean however, and I'm really worried about scratching it. I have ordered floor mats and a really expensive liner to stop the boot getting ruined by dogs and/or DH's guitar equipment.

    I'm still ticking along with the October challenge.

    I've managed to eat more fruit and veg but not always managing 5 a day.

    I've just updated the spreadsheets and things are looking OK...if you ignore the £5800 hole in our emergency savings! Will try to pay back £500 a month starting next month...at the same time as completing a building project and furnishing a house...

    This weeks big spends (other than the car) include tickets to a gig in London for our anniversary next year, an electric blanket and mop from L@keland, car boot liner thingy and car floor mats. About £450 in total

    In my defence, I didn't buy an amazing 18th century oak coffer that came up on a fb group...I will get one one day...just not this week

    Hope it's not too wet where everyone else is - it's pouring here.

    Janey x
    Bought our house 2012 Married 2015 Started renovating 2015
    Renovation fund 100% Emergency fund 100% Future fund £2055

    "It is often said that before you die your life passes before your eyes. It is in fact true. It's called living." Terry Pratchett
    • ljaneyr
    • By ljaneyr 16th Oct 16, 5:25 PM
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    ljaneyr
    It's a bit blustery here. Sometimes brilliant sun and some very heavy showers. I was feeling a bit fed up earlier as I didn't want to walk the dogs on my own again. I texted a couple of friends who didn't reply and my mum and brother who replied saying they'd just been for a walk! Anyway, DH felt sorry for me and came to the beach with me which was lovely. Both dogs had a really good run, the sun came out for a while and it only rained once, then we had a hot chocolate each and shared a scone before coming home. Lovely!
    Bought our house 2012 Married 2015 Started renovating 2015
    Renovation fund 100% Emergency fund 100% Future fund £2055

    "It is often said that before you die your life passes before your eyes. It is in fact true. It's called living." Terry Pratchett
    • ljaneyr
    • By ljaneyr 16th Oct 16, 5:47 PM
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    ljaneyr
    I thought it might help me to write a sort of statement of our finances to give me a bit of focus. I'm a bit freaked out by our current account balance being as low as £2939. This is the lowest it's been for years and includes our emergency savings!

    So:

    FD regular savers x 2: £6000 increasing by £600 per month

    These end at the beginning of January and i'll open two more at the reduced 5% rate and slowly put it all back in. This money is set aside for IVF next year.

    In our current account:

    Emergency savings: £1200 which is just 17% of our £7000 target thanks to recent car purchase. I hope to pay at least £500 a month into this.

    Car budget: currently -£104 but I have received a refund of £108 back from the DVLA for my road tax. I need to recalculate how much I need to put away each month for the new car. I also want to save a buffer for any repairs by the time it is out of warranty.

    I'm thinking of:

    Road tax £20
    MOT & service £300
    Insurance £200
    Repairs £500

    = £85 per month for the next 12 months then £45 per month the following year unless I need to pay for repairs.

    Presents budget: £267

    Renovation budget: £440

    Holidays: £382 Just booked tickets to a gig for our anniversary next year and need to book accommodation.

    Credit card: -£385 remaining from our wood flooring. This will be paid by the end of the month. The 0% rate is ending so need to find another once it's cleared.


    Set out like this, it seems we should be able to pay into our regular savers, pay back our emergency fund, put a few £££ per month into the renovation budget and buy a few bits for the house...if we're careful.

    Janey x
    Bought our house 2012 Married 2015 Started renovating 2015
    Renovation fund 100% Emergency fund 100% Future fund £2055

    "It is often said that before you die your life passes before your eyes. It is in fact true. It's called living." Terry Pratchett
    • smallholdingsister
    • By smallholdingsister 16th Oct 16, 7:15 PM
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    smallholdingsister
    5 more get ups.
    • ljaneyr
    • By ljaneyr 18th Oct 16, 9:34 PM
    • 1,112 Posts
    • 6,717 Thanks
    ljaneyr
    5 more get ups.
    Originally posted by smallholdingsister
    Yep - it's a long week for me! I usually only work 4 days but we have an INSET day...
    Bought our house 2012 Married 2015 Started renovating 2015
    Renovation fund 100% Emergency fund 100% Future fund £2055

    "It is often said that before you die your life passes before your eyes. It is in fact true. It's called living." Terry Pratchett
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