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  • FIRST POST
    • FlacosFloozie
    • By FlacosFloozie 14th Dec 14, 1:21 PM
    • 587Posts
    • 2,533Thanks
    FlacosFloozie
    All the small things...
    • #1
    • 14th Dec 14, 1:21 PM
    All the small things... 14th Dec 14 at 1:21 PM
    A pre-mortgage-free wannabe...

    Hello there,
    I'm FlacosFloozie and I have to confess to feeling like a little bit of a fraud posting here since I don't actually have a mortgage yet .
    A few months ago, I became debt-free for the first time in ten years and entered the saving for a deposit stage of life.
    Since I stopped keeping my debt-free diary, I've found it easy to drift and not bother doing the small things that help save money. I wanted to start another diary to try to keep me on track. I still post on DFW and participate in several challenges but starting a diary there just seemed insensitive. I looked at the savings board but they don't seem too fond of diaries. The MFW board felt friendlier and there seem to be a couple of other folk in my position, so here I am.
    If it helps I do plan on overpaying to mortgage just as soon as I acquire one
    Last edited by FlacosFloozie; 22-02-2015 at 6:17 PM.
    Save 12K in 2017 #147 £4611.33/9,000 51% Emergency Fund £3104.43
    Mortgage £159,995 £156,995 Overpaid £0 in 2017 Holiday Fund £3.20

    Debt Fr
    ee 31.07.14

Page 4
    • snozberry
    • By snozberry 18th Dec 16, 9:00 PM
    • 1,184 Posts
    • 2,157 Thanks
    snozberry
    ooohh a shiny new house
    Save £12000 No. 96 in 2017 £4750/£6000

    • HappyNow
    • By HappyNow 19th Dec 16, 5:44 AM
    • 1,316 Posts
    • 5,809 Thanks
    HappyNow
    Wow, well done FF, massive congrats to you and OH.

    You've waited a long time and worked hard for this and you have done it! Just the lift you and OH need. You have brilliant parents too by the sound of it.

    I daresay you will be posting on here a lot more now
    LBM Dec 2011. Aiming to clear ALL unsecured debt by Feb 2019 (73.36% so far)

    Debt Dec 11: Unsecured £69,579 + Mortgage £59,948 = £129,527
    Debt Jul 17: Unsecured £18,531 + Mortgage £43,660 = £62,191 (51.98% paid)
    • FlacosFloozie
    • By FlacosFloozie 19th Dec 16, 7:55 PM
    • 587 Posts
    • 2,533 Thanks
    FlacosFloozie
    Hopefully! I've been really bad at posting these last few months but it is good at keeping me on the straight and narrow
    Save 12K in 2017 #147 £4611.33/9,000 51% Emergency Fund £3104.43
    Mortgage £159,995 £156,995 Overpaid £0 in 2017 Holiday Fund £3.20

    Debt Fr
    ee 31.07.14

    • FlacosFloozie
    • By FlacosFloozie 15th Jan 17, 7:12 PM
    • 587 Posts
    • 2,533 Thanks
    FlacosFloozie
    So, we survived 2016 and I'm counting that as a win
    Mr F has started his new job and it seems to be going well. Spent the afternoon looking at his contract and their pension scheme. It's changing in a few months and they'll match contributions up to 7%. I wish my employer was half as generous.
    We're back to meal planning so, hopefully, will stick to a tighter grocery budget.
    We're also shopping aroung for quotes for flooring in the new house. At the moment we have a reasonable budget but I want to keep a contingency fund for unexpected expenses so its a case of resisting temptation and saving hard for another 3 months
    Save 12K in 2017 #147 £4611.33/9,000 51% Emergency Fund £3104.43
    Mortgage £159,995 £156,995 Overpaid £0 in 2017 Holiday Fund £3.20

    Debt Fr
    ee 31.07.14

    • AlexLK
    • By AlexLK 16th Jan 17, 6:02 PM
    • 5,830 Posts
    • 30,378 Thanks
    AlexLK
    Congratulations, FF. Didn't realise you now had a house.
    Saved £11,000 in 2015, £9,800 in 2016.
    From a £32,000 debt on 2/9/2013 to debt free on 12/1/2015.
    • FlacosFloozie
    • By FlacosFloozie 23rd Apr 17, 5:42 PM
    • 587 Posts
    • 2,533 Thanks
    FlacosFloozie
    Right, well we're all moved in now. The house in in chaos with all the boxes but I love it. Parents have visited and it got the seal of approval Our first mortgage payment is due at the start of June. I'm going to let that one go through first then see about overpaying.
    We also need to set a budget for the next few months. We're lucky enough to have some money left over so need to decide what to save, what to spend (lakeland has suddenly become a source of temptation) and what to invest. Our mortage is due to finish in 2038. I'd like to get it cleared sooner but also need to be thinking longer term about retiral incomes. Plenty of food for thought. Right, I'm off to have a nose around the savings and investments forum...
    Save 12K in 2017 #147 £4611.33/9,000 51% Emergency Fund £3104.43
    Mortgage £159,995 £156,995 Overpaid £0 in 2017 Holiday Fund £3.20

    Debt Fr
    ee 31.07.14

    • FlacosFloozie
    • By FlacosFloozie 6th Oct 17, 8:04 PM
    • 587 Posts
    • 2,533 Thanks
    FlacosFloozie
    Right, time for what has becomme my biannual posting .
    We're settling in to the house and enjoying having our own space. I could have the Ikea catalogue as my specialist subject on mastermind and the less said about the garden, the better for now.
    I've not been on top of things as much as I should. Our savings are better than my signature would suggest as there's still a fair bit of cash in Mr F's accounts. However, we still have a few bits of furniture to buy and some more paint... the garden can wait til spring .
    Unfortunately, it doesn't seem to be as simple to make overpayments as I'd hoped. It seems I have to ask my bank to make transfers. I've had an email about signing up for online banking with the mortgage co so hoping I can do than then transfer myself.
    I'm also starting to review for the longer term, nothing to do with the big birthaday next year, honest! I'm planning to up my pension contributions from next month. I've also joined my employer's scheme... a whole 1% but its better than nothing.
    I've been looking at S&S ISAs this afternoon and planning to open one with Charles Stanley and start drip feeding. I've put in an application for a funding circle account.
    I've also made an new speadsheet with all our savings, investments, assets, mortgage and net worth so I can keep track of our progress.
    Save 12K in 2017 #147 £4611.33/9,000 51% Emergency Fund £3104.43
    Mortgage £159,995 £156,995 Overpaid £0 in 2017 Holiday Fund £3.20

    Debt Fr
    ee 31.07.14

    • FlacosFloozie
    • By FlacosFloozie 7th Oct 17, 9:45 AM
    • 587 Posts
    • 2,533 Thanks
    FlacosFloozie
    Some more small steps this morning- have renewed my online savings accounts. This has taken the interest from 0.01% to 0.25%. I use them to budget for annual expenses like Christmas and car insurance. It'll only be a few extra pennies but every little helps.
    YNAB is also up to date. I've gotten really bad at only updating it at months end rather than using it as I go along. Its shocking how much the grocery bill has spiralled lately. Some of its rising prices but a lot of it is me being lazy. Still, the freezer is stocked with batch cooked meals. We resisted take away last night and I'm going to venture in to the local Lidil and Aldi this week.
    Save 12K in 2017 #147 £4611.33/9,000 51% Emergency Fund £3104.43
    Mortgage £159,995 £156,995 Overpaid £0 in 2017 Holiday Fund £3.20

    Debt Fr
    ee 31.07.14

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