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  • FIRST POST
    • AlexLK
    • By AlexLK 8th Mar 15, 11:07 PM
    • 5,740Posts
    • 29,635Thanks
    AlexLK
    Renovations and Repayments.
    • #1
    • 8th Mar 15, 11:07 PM
    Renovations and Repayments. 8th Mar 15 at 11:07 PM
    Hello and welcome to visitors familiar with my journey thus far and are surprised to see me on such a sensible board and a further warm welcome to the new faces wondering what they've let themselves in for.

    Let me begin by clarifying a few points: the first one is I am not sure whether I'm actually serious or not about clearing my mortgage and the second is the fact my house needs quite a bit of work doing to it. This work I do myself and in the time my wife and I have lived in the house we've learnt all kinds of new skills. The current project involves renewing the windows and I am making the frames myself, two are done and I'm pleased to say look great.

    I plan to use this mortgage free (how very grown up) diary to document the renovations and my savings activities, out of which overpayments may or may not be made. However, I am fully committed to long term saving and making as much money as possible. A long term goal of mine is to add to the BTL portfolio I shall one day inherit and am already becoming more involved in which is perhaps a good reason to pay my mortgage off and make my current property into an investment.

    Aside from the recent interest in moneysaving I have a four year old son, run my own company, play and teach the violin and piano whilst studying for my own interest. Oh and don't mention the cars.

    Those familiar with my debt-free diary will know I'm not exactly great at record keeping but am trying to improve, so please don't expect the detailed financial updates others seem to put on here. To kick things off, I suppose I ought to confess the mortgage debt is a total of circa £185,000 and I have no real timescale or plan in mind to pay it off.

    Sorry if this is not a particularly articulate introduction, as I seem to be at a loss how to tailor it to both those who've read my debt free diary and to new readers frequenting mortgage free.
    Money saved 2017: £3330. Overpayments 2017: £500.
    Saved £11,000 in 2015, £9,800 in 2016.
    From £32,000 in debt on 2/9/2013 to debt free on 12/1/2015.
Page 154
    • newgirly
    • By newgirly 12th Jun 17, 8:19 AM
    • 5,717 Posts
    • 39,200 Thanks
    newgirly
    So glad to hear that things are going so well for you all now Alex, marriage is not always easy is it, but if you are both willing to work through your problems and you still love each other it may actually make you stronger.
    MFW 21
    Target for 2017 £38,545 / £14,264 paid so far

    Mortgage £48,846 4 years 9 months left. Total owed £66,122 planning to clear in 24 months
    WW target - 29.5 lb start date 11/5/17 so far 10.5lb lost.
    • maman
    • By maman 12th Jun 17, 4:39 PM
    • 16,392 Posts
    • 97,968 Thanks
    maman
    Not a chance I will knowingly let my marriage get into the state it was. My wife is making a genuine effort which deserves my every effort. After the conversation with her MD about work and family, she seems to have realised listening to a certain someone and being influenced to spend time outside work going out rather than coming home is not necessarily fulfilling. She has taken our counselling seriously and also actively dealing with not getting overly angry about things which don't warrant such a reaction. I'm seriously proud of her and my son is starting to enjoy time with Mummy. I think she also has thought about my father telling her she will regret her actions re. our son and acted upon it. At the moment, I can honestly say my marriage is about the best it has ever been. There's no competition or walking on eggshells. Both my wife and I think we've been through enough and this next part of our lives is going to be good.
    Originally posted by AlexLK
    That's great to hear you say that. I hope you're telling MrsK too!
    • AlexLK
    • By AlexLK 12th Jun 17, 10:35 PM
    • 5,740 Posts
    • 29,635 Thanks
    AlexLK
    June Targets:

    Organise Summer holiday: 1. Trip to R.W. 2. Holiday. 3. Agricultural shows x 3.
    Debts: Pay £1,500 from the balance (£6,500 ).
    Total Grocery Spend: £95 / £400.
    11.30pm bedtime: /20 - Need to get back to this.
    Meditation: 3/21.
    Spreadsheets / Money tracking: This is happening.
    De-clutter and Sell: / 3 items. One needs to be the car I've been meaning to sell for months.
    Books read for pleasure: / 2
    Learn something new or refine a skill: 1. Continue learning and applying new knowledge to create more sophisticated and streamlined spreadsheets. 2. Learn a new piece of repertoire.

    Exactly So playing Suffolk lass's variation, it goes:

    One, two, fizz, four, buzz, fizz, seven, eight, fizz, buzz, eleven, fizz, fizz, fourteen, fizzbuzz.

    EDIT: Oh, and when LittleK starts learning languages (if he hasn't already) then play it in French, German, Spanish etc. etc.
    Originally posted by cazmanian_minx
    I am teaching my son French. Though we won't be going to France until next year now.

    Not a chance I will knowingly let my marriage get into the state it was. My wife is making a genuine effort which deserves my every effort. After the conversation with her MD about work and family, she seems to have realised listening to a certain someone and being influenced to spend time outside work going out rather than coming home is not necessarily fulfilling. She has taken our counselling seriously and also actively dealing with not getting overly angry about things which don't warrant such a reaction. I'm seriously proud of her and my son is starting to enjoy time with Mummy. I think she also has thought about my father telling her she will regret her actions re. our son and acted upon it. At the moment, I can honestly say my marriage is about the best it has ever been. There's no competition or walking on eggshells. Both my wife and I think we've been through enough and this next part of our lives is going to be good.

    That is wonderful news, Alex

    You are a lovely little family, God bless you all.

    Take care
    Originally posted by kelpie35
    Thank you, kelpie.

    So glad to hear that things are going so well for you all now Alex, marriage is not always easy is it, but if you are both willing to work through your problems and you still love each other it may actually make you stronger.
    Originally posted by newgirly
    Thank you, NG.

    Not always easy at all. We've been through a lot together and I know a lot of couples wouldn't have got through a lot of the things my wife and I have. Going to believe Mrs. K. is right and the good times are here to stay as a make up for the years gone by.
    Money saved 2017: £3330. Overpayments 2017: £500.
    Saved £11,000 in 2015, £9,800 in 2016.
    From £32,000 in debt on 2/9/2013 to debt free on 12/1/2015.
    • AlexLK
    • By AlexLK 12th Jun 17, 10:36 PM
    • 5,740 Posts
    • 29,635 Thanks
    AlexLK
    That's great to hear you say that. I hope you're telling MrsK too!
    Originally posted by maman
    Thank you, maman.

    Yes, we are not taking each other for granted.
    Money saved 2017: £3330. Overpayments 2017: £500.
    Saved £11,000 in 2015, £9,800 in 2016.
    From £32,000 in debt on 2/9/2013 to debt free on 12/1/2015.
    • AlexLK
    • By AlexLK 15th Jun 17, 11:50 PM
    • 5,740 Posts
    • 29,635 Thanks
    AlexLK
    June Targets:

    Organise Summer holiday: 1. Trip to R.W. 2. Holiday. 3. Agricultural shows x 3.
    Debts: Pay £1,500 from the balance (£6,500 ). Should be on track to do this but still feel annoyed about the debt.
    Total Grocery Spend: £125 / £400.
    11.30pm bedtime: /20 Seems impossible at the moment.
    Meditation: 3/21.
    Spreadsheets / Money tracking: Managing to keep on track with this.
    De-clutter and Sell: / 3 items. One needs to be the car I've been meaning to sell for months.
    Books read for pleasure: 2 / 2, target reached. Though with the books I read, I think I ought to make the target "books of interest".

    The first was Owen Jones' Chavs. I have read it before, thought they deserved to be demonised but I'd been wanting to read it again after a few years working with some people that could fall into the category of "demonised working class". This time it was interesting and I did question where a lot of my views were formed: namely my parents, school, some news articles etc. I realise that by the time I went to university, I would seek out and befriend others with a similar background. I formed my (former) views about state schools based on never having spent a day in such an institution and wonder how many of those within the education system, holding influence have real experience of the system they are advising and / or implementing policies within. This time around, it horrified me as with my limited experience and knowledge I can see that there are institutions writing off children before they have the opportunity to make their own way in the world.

    The second book was Paul Mason's Post-Capitalism: A Guide to Our Future. It was a fascinating book and I will read again after giving myself time to think about it before commenting.

    Learn something new or refine a skill: 1. Continue learning and applying new knowledge to create more sophisticated and streamlined spreadsheets. 2. Learn a new piece of repertoire.

    The past few days have been chaotic and I'm struggling with sleep. Not really even sure where the days are going at the moment; whilst I do not seem to be doing a lot they are passing awfully quickly.
    Money saved 2017: £3330. Overpayments 2017: £500.
    Saved £11,000 in 2015, £9,800 in 2016.
    From £32,000 in debt on 2/9/2013 to debt free on 12/1/2015.
    • hiddenshadow
    • By hiddenshadow 16th Jun 17, 8:09 AM
    • 2,189 Posts
    • 9,893 Thanks
    hiddenshadow
    Debts: Pay £1,500 from the balance (£6,500 ). Should be on track to do this but still feel annoyed about the debt.
    Originally posted by AlexLK
    That just means you'll stay on top of it until it's gone.
    MFW: Dec '13 £197,100 / Dec '14 £180,691 / Dec '15 £161,669 / Dec '16 £119,669 / Aug '17 £108,189
    Payment 43/84 / 2017 MFW #56: £11,479/£20,000 57% / MFiT-T4 #15: £51,311/£90,000 57%
    • Karmacat
    • By Karmacat 16th Jun 17, 8:41 AM
    • 27,576 Posts
    • 150,104 Thanks
    Karmacat
    Wow, Alex, you're doing a *lot* - and even your reading isn't light. I love that you're so thoughtful about what you're reading, and your past attitudes to the same information - good for you.

    I have to say, though, your sleep might be better served by reading something a bit more relaxing!
    Retired August 2016
    • Red-Squirrel
    • By Red-Squirrel 16th Jun 17, 5:03 PM
    • 1,509 Posts
    • 4,077 Thanks
    Red-Squirrel
    Alex, I'm so impressed by your ability to evaluate your upbringing and your previous views and to challenge yourself and really look at things in a different way.

    Not many people can do that. Most of us pretty much stick with the beliefs we're brought up with, only allowing minor adjustments. What you have been able to do is remarkable and very brave
    • Suffolk lass
    • By Suffolk lass 16th Jun 17, 5:50 PM
    • 1,402 Posts
    • 16,431 Thanks
    Suffolk lass
    Have you done a profile for that debt Alex? - So you can map how you project you will clear it over time? I wonder if you need to pay this a little bit of attention to stop you worrying about it. I realise it was one of your mental health triggers, so taking control of it by knowing your plan and timescale to clear it should contribute to peace of mind for you. I do hope so.
    MFiT T4 #2 update 25.95% after Q5
    Save £12k in 2017 #64 - £5617.21/£5500 (51.64%/50%) after June - my annual target is £11,000
    OS Grocery Challenge 2017 budget of £3,600 £3000 (reduced from Apr) - 58.88/58.33% including stores after July
    My DFD is here
    • gallygirl
    • By gallygirl 17th Jun 17, 9:54 AM
    • 16,398 Posts
    • 107,448 Thanks
    gallygirl
    Glad all going well for you Alex and as others have said, keep monitoring the actual progress of the debt repayment against planned - hopefully that will put your mind at rest.

    Was thinking about you last week. We get a lot of test cars here as we have empty, straight, motorways, winding mountainous roads and extreme heat so quite a few manufacturers send new models (or new versions) for testing. Mainly BMW, Audi and VW, also a lot of Evoques. We're used to seeing them about, quite often with disguised bodywork like this. (Actually, that picture looks like it was taken round here, though it's marked GM so probably in the USA). Last week though there were two Bentleys............. both pick-up trucks......... . I was pretty proud of myself for identifying them from the front grills . However, it transpires they were probably Fords or Chryslers with false grills fitted as an extra disguise. Just as well, as even I know a Bentley pick-up is wrong . I was wondering though if your mother would like to put her name down for a few, just in case they actually were Bentleys .
    Save
    Save
    Save
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    Mortgage Balance = £0
    "Do what others won't early in life so you can do what others can't later in life"
    • heartbreak_star
    • By heartbreak_star 19th Jun 17, 11:42 AM
    • 7,577 Posts
    • 16,701 Thanks
    heartbreak_star
    I have been catching up and have squeaked happily at all the progress and positivity.

    Alex, you're a fantastic person and I am glad to know you, even only virtually. You are in a far better place than I think you believed you could be when you started your original diary.

    Cracking work, good sir!!

    HBS x
    I believe in ordinary acts of bravery, in the courage that drives one person to stand up for another.

    #JC4PM
    • AlexLK
    • By AlexLK 20th Jun 17, 12:15 AM
    • 5,740 Posts
    • 29,635 Thanks
    AlexLK
    June Targets:

    Organise Summer holiday: 1. Trip to R.W. 2. Holiday. 3. Agricultural shows x 3.
    Debts: Pay £1,500 from the balance (£6,500 ). Paid.
    Total Grocery Spend: £165 / £400.
    11.30pm bedtime: 2/20 Seems impossible at the moment.
    Meditation: 3/21.
    Spreadsheets / Money tracking: Managing to keep on track with this.
    De-clutter and Sell: / 3 items. One needs to be the car I've been meaning to sell for months.
    Books read for pleasure: 3 / 2, target exceeded. Historical novel set in Rome just after the death of Julius Caesar.
    Learn something new or refine a skill: 1. Continue learning and applying new knowledge to create more sophisticated and streamlined spreadsheets. 2. Learn a new piece of repertoire.

    Spent the latter part of Friday and the weekend just gone by very ill (physically). I'm OK now, though.

    That just means you'll stay on top of it until it's gone.
    Originally posted by hiddenshadow
    First £1,500 is gone, so hope you are right, HS.

    Wow, Alex, you're doing a *lot* - and even your reading isn't light. I love that you're so thoughtful about what you're reading, and your past attitudes to the same information - good for you.

    I have to say, though, your sleep might be better served by reading something a bit more relaxing!
    Originally posted by Karmacat
    Thank you.

    Yes, I think some lighter reading would help the sleep a little.

    I certainly don't seem to be doing a lot, karmacat. I need to be thoughtful about what I read, as I believe does everybody. Moving forward from the past is important to me, if that means on certain issues my view has not changed despite re-reading information, that's OK as is my view changing in response to information read a second time around. Life happens and I think our views change with experience of different scenarios presented to us. I was talking to head over heels in love schoolfriend about this as he has a lot of problems with his family (he wants to make amends with them and they don't, to cut the story). Perhaps the most disturbing thing about this is he seems to value my opinion.

    Alex, I'm so impressed by your ability to evaluate your upbringing and your previous views and to challenge yourself and really look at things in a different way.

    Not many people can do that. Most of us pretty much stick with the beliefs we're brought up with, only allowing minor adjustments. What you have been able to do is remarkable and very brave
    Originally posted by Red-Squirrel
    Thank you, Red Squirrel.

    Evaluating the past is my way of beginning to understand it rather than choosing to loathe myself due to my actions / views in the past. I cannot spend the rest of my life beating myself up about the past, affecting everyone around me in the process. Whilst I'm not going to make excuses for some of my wife's behaviour, I can appreciate that living with me has put a strain on the marriage and her own mental health. We both made a decision in counselling to move on from our past behaviours which my wife has honoured and I would like to think I have too. I want to be the best father I can be to my son and there is a part of that which means being a good role model and I don't think I can do that without developing respect for myself. However, I cannot base my whole life on being a father, else I will find such a purpose becomes less needed as my son grows and my mental health will likely decline. Further, such a position is not healthy for my son to base his idea of relationships or being an adult on. I don't want him to grow up thinking it is a good thing to have a difficult marriage, no self respect and to not pursue his own ambitions. At the moment he has a mother and father because my wife has switched on to taking that role seriously and I have allowed her to parent with me as a team. This means such a lot to me.

    My beliefs are ever evolving as I face new experiences in life and I hope this will help both my son and I not to grow into a close minded individuals.
    Money saved 2017: £3330. Overpayments 2017: £500.
    Saved £11,000 in 2015, £9,800 in 2016.
    From £32,000 in debt on 2/9/2013 to debt free on 12/1/2015.
    • AlexLK
    • By AlexLK 20th Jun 17, 12:33 AM
    • 5,740 Posts
    • 29,635 Thanks
    AlexLK
    Have you done a profile for that debt Alex? - So you can map how you project you will clear it over time? I wonder if you need to pay this a little bit of attention to stop you worrying about it. I realise it was one of your mental health triggers, so taking control of it by knowing your plan and timescale to clear it should contribute to peace of mind for you. I do hope so.
    Originally posted by Suffolk lass
    On DFW?

    I have a spreadsheet for it. Hoping to clear another £1,500 in July and £1,000 in August, September and October followed by the final £500 in November. This is a best case scenario. The worst is making £300 payments.

    I feel a little better about it having cleared the first £1,500 and also paid in full the cashback card we are using for groceries and petrol. However, I know there's a long way to go before I can fully trust myself with any amount of debt.

    Glad all going well for you Alex and as others have said, keep monitoring the actual progress of the debt repayment against planned - hopefully that will put your mind at rest.

    Was thinking about you last week. We get a lot of test cars here as we have empty, straight, motorways, winding mountainous roads and extreme heat so quite a few manufacturers send new models (or new versions) for testing. Mainly BMW, Audi and VW, also a lot of Evoques. We're used to seeing them about, quite often with disguised bodywork like this. (Actually, that picture looks like it was taken round here, though it's marked GM so probably in the USA). Last week though there were two Bentleys............. both pick-up trucks......... . I was pretty proud of myself for identifying them from the front grills . However, it transpires they were probably Fords or Chryslers with false grills fitted as an extra disguise. Just as well, as even I know a Bentley pick-up is wrong . I was wondering though if your mother would like to put her name down for a few, just in case they actually were Bentleys .
    Save
    Save
    Save
    Originally posted by gallygirl
    Hi Gally!

    Mind is at rest when comparing the current figure to the worst case scenario figure on the spreadsheet.

    Re. the Bentleys. They do now have a 4x4 version. ... But its no LR Defender ... .

    On another note, why do you send me some kind of secret message to "save, save, save" when I quote you, Gally?

    I have been catching up and have squeaked happily at all the progress and positivity.

    Alex, you're a fantastic person and I am glad to know you, even only virtually. You are in a far better place than I think you believed you could be when you started your original diary.

    Cracking work, good sir!!

    HBS x
    Originally posted by heartbreak_star
    Thank you, HBS.

    I'm glad to know you, albeit virtually, too. I am in a much better place (definitely so financially but mentally too). Sounds rather silly but I have a lot to thank you and other posters for. I got a lot of flak when I first joined (still do sometimes) which in turn gave me a lot to think about as well as making me realise I am not in the worst situation ever and things could be a lot worse.

    Probably disappoints / amuses you I still have a pen collection, though.
    Money saved 2017: £3330. Overpayments 2017: £500.
    Saved £11,000 in 2015, £9,800 in 2016.
    From £32,000 in debt on 2/9/2013 to debt free on 12/1/2015.
    • A Frayed Knot
    • By A Frayed Knot 20th Jun 17, 12:55 AM
    • 2,095 Posts
    • 9,474 Thanks
    A Frayed Knot
    On DFW?

    I have a spreadsheet for it. Hoping to clear another £1,500 in July and £1,000 in August, September and October followed by the final £500 in November. This is a best case scenario. The worst is making £300 payments.

    Excellent progress already. Got it all worked out

    On another note, why do you send me some kind of secret message to "save, save, save" when I quote you, Gally.

    Noticed this as well, probably some sub conscious "thing" like brainwashing

    Probably disappoints / amuses you I still have a pen collection, though.
    Originally posted by AlexLK
    Not me, we all have our "little" oddies
    Always have 00.00 at the end of your mortgage balance and one day it will all be 0's
    MFMarch 30 Re/M Oct 23 Target -Dec 19
    O/P's 2014/£4000, 2015/£6294.69,2016/£3186.80
    2017 £2422.71 + Phantom o/ps 2017 -£1367.81 so far
    • cazmanian_minx
    • By cazmanian_minx 20th Jun 17, 6:58 AM
    • 4,009 Posts
    • 18,463 Thanks
    cazmanian_minx
    On DFW?
    Probably disappoints / amuses you I still have a pen collection, though.
    Originally posted by AlexLK
    That reminds me - a friend of mine has just introduced me to Diamine shimmer ink. (I can see you wincing from here ) I take it I'm better off getting a converter for my old, cheap school Sheaffer rather than sticking it in the vintage Parker...?
    Home: 06/08: £145,145.00 Currently: £114,428.66 Offset: £51,337.84 Amount paid off: £30,716.34 (21.2%) Paying interest on: £63,090.82
    Holiday let:
    02/17: £177,416.86 (Family loan: £129,146.86 + 0% cards £48,270.00) Currently: £169,836.86 Amount paid off: £7,580.00 (4.22%)
    Sugar days 2017: 16/26 Debt-free: 17/02/2017
    • gallygirl
    • By gallygirl 20th Jun 17, 3:59 PM
    • 16,398 Posts
    • 107,448 Thanks
    gallygirl
    Can't believe you've rumbled my subliminal messages Alex . I think it's something to do with a post being edited but not really sure. BTW - two Maserati test cars today. Saw them being offloaded from the transporter, covered in big bags (the type of dust bags you get handbags in) with Maserati written on them so a bit of a clue .
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    Mortgage Balance = £0
    "Do what others won't early in life so you can do what others can't later in life"
    • AlexLK
    • By AlexLK 21st Jun 17, 11:54 PM
    • 5,740 Posts
    • 29,635 Thanks
    AlexLK
    Not me, we all have our "little" oddies
    Originally posted by A Frayed Knot
    Just some more than others, eh?



    That reminds me - a friend of mine has just introduced me to Diamine shimmer ink. (I can see you wincing from here ) I take it I'm better off getting a converter for my old, cheap school Sheaffer rather than sticking it in the vintage Parker...?
    Originally posted by cazmanian_minx


    Honestly don't think you need me to answer that question.

    Can't believe you've rumbled my subliminal messages Alex . I think it's something to do with a post being edited but not really sure. BTW - two Maserati test cars today. Saw them being offloaded from the transporter, covered in big bags (the type of dust bags you get handbags in) with Maserati written on them so a bit of a clue .
    Originally posted by gallygirl


    So it isn't deliberate?

    I have a dust cover for my Triumph GT6. Granted, a different league. Were they in disguise? Found out the other week you can get a Maserati with a diesel engine, that saddened me somewhat. Person who told me thought the fact I didn't know was rather amusing as he's always said I'm the "car guy". Anyway, I'm really out of touch as I asked Mrs. K. if she knew and she rolled her eyes said "yes" and I need to "get with the picture".

    Spend, spend, spend ... erm, wrong post ...
    Money saved 2017: £3330. Overpayments 2017: £500.
    Saved £11,000 in 2015, £9,800 in 2016.
    From £32,000 in debt on 2/9/2013 to debt free on 12/1/2015.
    • AlexLK
    • By AlexLK 22nd Jun 17, 12:16 AM
    • 5,740 Posts
    • 29,635 Thanks
    AlexLK
    June Targets:

    Organise Summer holiday: 1. Trip to R.W. 2. Holiday. 3. Agricultural shows x 3.
    Debts: Pay £1,500 from the balance (£6,500 ). Paid.
    Total Grocery Spend: £215 / £400.
    11.30pm bedtime: 3/20 Went to bed really early last night (10pm ) and will be going to bed straight after writing this. I'm actually tired which is a good sign.
    Meditation: 5/21.
    Spreadsheets / Money tracking: Managing to keep on track with this.
    De-clutter and Sell: / 3 items. One needs to be the car I've been meaning to sell for months.Not sure why I cannot manage to motivate myself to do this?
    Books read for pleasure: 3 / 2, target exceeded.
    Learn something new or refine a skill: 1. Continue learning and applying new knowledge to create more sophisticated and streamlined spreadsheets. 2. Learn a new piece of repertoire.

    Feeling better.

    Had a busy day today which has been enjoyable. My mother is an absolute nightmare, though. She's managed to hurt her wrist and also shoulder (sprained, we think, certainly not broken) because she decided to try to fit a really awkward part on the Daimler she owns. I'd told her to take it to a garage, let them fight with it and I wasn't going to get involved. She decides she wants to have a go and this is the result. The first I hear is father calling me to say he's concerned mother has broken her wrist. I thought she may have fell or done something else that an old lady her age might do (glad she will never read this ) but no, this is my mother and she's got near 2,000kgs of car up in the air because she "doesn't quit".
    Money saved 2017: £3330. Overpayments 2017: £500.
    Saved £11,000 in 2015, £9,800 in 2016.
    From £32,000 in debt on 2/9/2013 to debt free on 12/1/2015.
    • newgirly
    • By newgirly 22nd Jun 17, 7:04 AM
    • 5,717 Posts
    • 39,200 Thanks
    newgirly
    hope your mum is ok Alex!

    My dad bought himself a maserati last year, I don't even know if its petrol or diesel he spends most days driving my mums mini as it's easier! I said he should have got a little red Nissan micra now he's a pensioner
    MFW 21
    Target for 2017 £38,545 / £14,264 paid so far

    Mortgage £48,846 4 years 9 months left. Total owed £66,122 planning to clear in 24 months
    WW target - 29.5 lb start date 11/5/17 so far 10.5lb lost.
    • gallygirl
    • By gallygirl 22nd Jun 17, 7:54 AM
    • 16,398 Posts
    • 107,448 Thanks
    gallygirl
    Not being a car person Alex I'm not sure I'd know if a Maserati was disguised or not . As for diesel engines, well if I see them cruising down the paseo I'll listen out . (Not sure I'd know the difference )

    Hope your mum's wrist is ok with a bit of a rest - fair play to her though .
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    Mortgage Balance = £0
    "Do what others won't early in life so you can do what others can't later in life"
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