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  • FIRST POST
    • ljaneyr
    • By ljaneyr 10th Apr 14, 7:36 PM
    • 1,119Posts
    • 6,746Thanks
    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 35
    • Watty1
    • By Watty1 18th Apr 17, 10:17 PM
    • 2,713 Posts
    • 18,877 Thanks
    Watty1
    hope all goes well this cycle / round
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £52963
    • ljaneyr
    • By ljaneyr 20th Apr 17, 5:51 PM
    • 1,119 Posts
    • 6,746 Thanks
    ljaneyr
    Thank you for popping in

    Renovation stuff is sooo expensive isn't it?! Unfortunately we pulled our house to pieces - we basically gutted the inside and built an extension - so we have no choice but to keep on spending until it's finished It's great to see things improve and gradually tick things off the list but the J£wsons invoice is always eye-watering when it arrives

    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 20th Apr 17, 5:52 PM
    • 1,119 Posts
    • 6,746 Thanks
    ljaneyr
    Hi watty

    All good luck is very much appreciated

    Although officially I'm trying not to get my hopes up etc etc.

    xxx
    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 20th Apr 17, 6:00 PM
    • 1,119 Posts
    • 6,746 Thanks
    ljaneyr
    Hello again

    First week back at work done Yes I know it was only three days... I am mighty relieved it is over though. I've had a nearly constant headache. I've got a bit of work to do tomorrow but otherwise the workload isn't going to be too bad this weekend.

    Money update:
    We are still plodding away with our £600 per month to our regular savers or 'future' savings. I'm also putting a bit into the emergency savings at the end of each month after buying the new car but there's still a way to go before it's back to the target.

    We are going to a wedding in August and have arranged to take the dogs and go to Pembrokeshire for a week afterwards. We are really looking forward to some walking and probably lots of eating . All accommodation paid for but saving for spending money.

    Anyway, that's enough for now. I will do a more in-depth financial update another time

    It's DH's birthday today so we're going to get some chips and eat them on the beach

    Janey xxx
    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 23rd Apr 17, 4:53 PM
    • 1,119 Posts
    • 6,746 Thanks
    ljaneyr
    What a lovely weekend! I hope you have all had a bit of sunshine too?

    On Friday I actually went out for a friends leaving do and it was lovely to have a bit of a catch-up. Yesterday we went shopping for DHs birthday present. He wanted walking boots and ended up preferring the cheapest ones that he tried on We also had 15% off for being NT members which made it even better. We didn't do a lot of shopping as we hate it but did have a nice lunch

    It's been so warm today - I even wore my shorts! We went for a nice coastal walk to try out the walking boots and it was super scorchio! We even saw three lizards sunning themselves

    The dogs are now sound asleep, DH is making a roast and I've got my feet up - what a perfect weekend

    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
    • chumpy45
    • By chumpy45 23rd Apr 17, 6:02 PM
    • 274 Posts
    • 1,109 Thanks
    chumpy45
    Hi Ljaneyr, just been catching up with your diary. Sounds like a great weekend. Nice to have a relaxing time together. You are doing so well with all the house renovations. I struggled when we had our extension a couple of years ago so take my hat off to you and all the work you are having done. Am really enjoying following your adventures.
    Starting Mortgage 01.08.08 £171,209.24. Mortgage as at 01.09.15 - £54,780.04; 01.11.15 £49,577.04;01.03.16 £45,799.32; 01.08.16 £42,418.93; 01.10.16 £40,119.5 01.02.17 £36,584.00; 01.04.17 £34,694.71 MFW Target date Sept 2017;
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