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  • FIRST POST
    • AlexLK
    • By AlexLK 8th Mar 15, 11:07 PM
    • 5,968Posts
    • 31,448Thanks
    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.
    2018 totals:
    Savings £4568.77
    Mortgage Overpayments £250

    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.
Page 165
    • daisy 1571
    • By daisy 1571 30th Sep 17, 9:54 PM
    • 244 Posts
    • 3,015 Thanks
    daisy 1571
    At the moment it's making me appreciate my other business interests and has given me the confidence to believe I can work at something for 40 or so hours per week.
    great


    if I'm honest I knew there were no real consequences something to watch out for - there are always consequences of one sort or another

    Despite not enjoying myself, I feel I am mentally stronger than I ever have been in adulthood. fabulous

    I contacted my old business partner about him potentially doing some joinery work for me because he's the best I know, I was the one to destroy the friendship we once had and it was my mind which wasn't on business matters. I wouldn't have done this before as I wasn't focusing on what was right for the business. To cut a long story short, we met for dinner and went through our requirements. He wants the job, we got talking about furniture and how one of our old designs would work really well in the setting. I miss running the business terribly and always said had I given it more time and effort things would be very different. I think you know how important this last sentence is. Little point just talking about it, prove (to yourself, that's the only one who matters) that this time will be different

    As for my parents, we are getting along very well. They are really pleased with the effort my wife and I have put in to moving along with the development project. fabulous. Just as we advise you not to take too much notice when they criticise, try not to take too much notice of this. As past experience has taught you, when their mood changes they can see things quite differently so don't get too caught up in their praise as, nice though it is when it comes, they often withhold it so protect yourself.
    Originally posted by AlexLK

    Well done my friend, first step to knowing what you want is knowing what you don't want, think about it all and take your time deciding

    Daisy
    "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
    • AlexLK
    • By AlexLK 30th Sep 17, 10:29 PM
    • 5,968 Posts
    • 31,448 Thanks
    AlexLK
    Thank you, Daisy. I am taking my time over deciding what is right for me and am not going to be making rash decisions. Today we've switched off from everything and had a day in with our son.

    You are right about my parents. I wish I could defend them and say they wouldn't change their mind but I cannot really trust them.
    2018 totals:
    Savings £4568.77
    Mortgage Overpayments £250

    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.
    • AlexLK
    • By AlexLK 30th Sep 17, 10:47 PM
    • 5,968 Posts
    • 31,448 Thanks
    AlexLK
    Mrs. K. and I have discussed our targets for October. We want to do a little better on the finances front than this month. My wife has suggested we save my director's salary towards doing some more work on the house. She thinks finishing the house properly before moving onto clearing the mortgage is the best idea as we are currently not very committed to clearing the mortgage and halt any overpayments to work on the house. Therefore, she wants to move the renovations forwards and live on her salary (which is doable). I think this seems a good plan, so we're going to try to have a sensible October.

    September has seen our spending on clothes and other goods go to the kind of levels we used to spend. A lot of things we've bought we didn't need, we've eaten out a lot and drank far too much wine. So, we're going to draw a line under it.

    October targets / financials are as follows:
    Director's salary into savings.
    Food budget: £400.
    Alcohol free days (agreed with Mrs. K.): 21.
    Eating out: 4.
    Meat free: 10.
    NSDs: 10.
    Buy son's main birthday present.
    Review utility suppliers (contracts expiring soon).
    Get a new 'phone (Mrs. K.), no doubt this is going to be an iPhone 8, so getting the best deal there is. To be fair to her she's not upgraded her 'phone in a long time, for the past few years she's had a SIM only contract.
    Car spends: £100.
    2018 totals:
    Savings £4568.77
    Mortgage Overpayments £250

    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.
    • gallygirl
    • By gallygirl 1st Oct 17, 9:44 AM
    • 16,435 Posts
    • 108,592 Thanks
    gallygirl
    My wife has suggested we save my director's salary towards doing some more work on the house. She thinks finishing the house properly before moving onto clearing the mortgage is the best idea as we are currently not very committed to clearing the mortgage and halt any overpayments to work on the house.
    Originally posted by AlexLK
    Personally I don't see the point in clearing the mortgage at the expense of living comfortably in your own home. I'm not suggesting people spend all their money on redoing things that don't need replacing, but planned projects in my opinion should be given priority. What are you planning on doing next? And what timescale, bearing in mind how busy you are?

    Re the teaching, I think there is a lot to be said for carrying on at least until you move schools as I've no doubt you would find the experience very different. If you give up now I think it could be detrimental to you in the longer term (the old 'can't achieve anything' view of the world) so please take that into account when deciding.

    As to turning up on your first day wearing your old school tie - what exactly were you trying to achieve? That's the type of thing the old 'superior' Alex would have done - or was it a type of 'comfort blanket' thing? (In which case your lucky pants would have been better ).
    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"
    • maman
    • By maman 1st Oct 17, 11:46 AM
    • 17,552 Posts
    • 105,163 Thanks
    maman
    Delighted to hear that you and MrsK are getting on so well Alex. Heartily approve of spending some money on the house. The new bathroom has given a lot of pleasure and comfort. What's next?


    Re the teaching, I think there is a lot to be said for carrying on at least until you move schools as I've no doubt you would find the experience very different. If you give up now I think it could be detrimental to you in the longer term (the old 'can't achieve anything' view of the world) so please take that into account when deciding.

    As to turning up on your first day wearing your old school tie - what exactly were you trying to achieve? That's the type of thing the old 'superior' Alex would have done - or was it a type of 'comfort blanket' thing? (In which case your lucky pants would have been better ).
    Originally posted by gallygirl

    Both very good points gallygirl.


    I'm sure you can see that there is a whole lot more in 'old school tie' than simply encouraging the pupils to have pride in their school. It signifies (especially to colleagues) the big divide between your respective likely backgrounds and circumstances. It's why so many people find it hard to listen to lessons in austerity from the likes of Dave, George (aka Gideon) and Boris. You are in a privileged position that you can afford not to be a teacher (or anything else) if you don't want to. You have the back up of the family business and MrsK's salary. Very few teachers are in that position.


    I think it highly unlikely that you could be a teacher and only work 40 hours a week. It has the advantage of flexibility that you could work just about 33 in term time on the school premises but there will still be a lot of PPA out of contact hours.


    Unless you are going to do a complete about turn from your thinking in recent months then I'm sure you'll not like yourself if you give up the course now. If the development project involves funding from your parents or even MrsK that could become fraught if they decided to pull the strings attached at any point.


    Completing the course and getting QTS would give you options. You could decide to do part time work after that which would fit in with any projects.


    You're bright, skilled and resourceful so you'd always find a way of earning a living of sorts but you've been dissatisfied with the lack of financial independence from your wife and family before. It would a shame to see it happen again.
    • Red-Squirrel
    • By Red-Squirrel 1st Oct 17, 1:55 PM
    • 2,338 Posts
    • 6,457 Thanks
    Red-Squirrel
    Also, i!!!8217;m Sorry to pile on here Alex but in the run up to starting your course you were talking about that a lot, and I don!!!8217;t remember any mention of new property projects or a new found enthusiasm for the family business. Is it at all possible that the disappointment you are feeling about your course is leading to you jumping on to this distraction that is more in your comfort zone and convincing yourself it could be !!!8216;the answer!!!8217;?
    • smallholdingsister
    • By smallholdingsister 1st Oct 17, 5:27 PM
    • 3,554 Posts
    • 29,826 Thanks
    smallholdingsister
    Just popping in to say "Chin up" Alex. Teacher training was a very hard year even as a 20/21 year old.
    • daisy 1571
    • By daisy 1571 2nd Oct 17, 9:24 PM
    • 244 Posts
    • 3,015 Thanks
    daisy 1571
    Personally I don't see the point in clearing the mortgage at the expense of living comfortably in your own home. I'm not suggesting people spend all their money on redoing things that don't need replacing, but planned projects in my opinion should be given priority. What are you planning on doing next? And what timescale, bearing in mind how busy you are?

    Re the teaching, I think there is a lot to be said for carrying on at least until you move schools as I've no doubt you would find the experience very different. If you give up now I think it could be detrimental to you in the longer term (the old 'can't achieve anything' view of the world) so please take that into account when deciding.

    As to turning up on your first day wearing your old school tie - what exactly were you trying to achieve? That's the type of thing the old 'superior' Alex would have done - or was it a type of 'comfort blanket' thing? (In which case your lucky pants would have been better ).
    Originally posted by gallygirl
    Seconded re mortgage. It's great to pay it off early and will save you a bucket load of money but there is (presumably) a plan to pay it off at the right time ie an endowment policy or the repayment method so get the house comfortable before going into over payments too much - no point the house being all your own but it's a broke down wreck of a place rather than a comfortable home lol

    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
    • AlexLK
    • By AlexLK 2nd Oct 17, 11:12 PM
    • 5,968 Posts
    • 31,448 Thanks
    AlexLK
    Personally I don't see the point in clearing the mortgage at the expense of living comfortably in your own home. I'm not suggesting people spend all their money on redoing things that don't need replacing, but planned projects in my opinion should be given priority. What are you planning on doing next? And what timescale, bearing in mind how busy you are?

    Re the teaching, I think there is a lot to be said for carrying on at least until you move schools as I've no doubt you would find the experience very different. If you give up now I think it could be detrimental to you in the longer term (the old 'can't achieve anything' view of the world) so please take that into account when deciding.

    As to turning up on your first day wearing your old school tie - what exactly were you trying to achieve? That's the type of thing the old 'superior' Alex would have done - or was it a type of 'comfort blanket' thing? (In which case your lucky pants would have been better ).
    Originally posted by gallygirl
    Hi Gally,

    We are planning to renovate the kitchen and other rooms. The other rooms shouldn't take too much effort but the kitchen will. I don't have a timescale at the moment as we are OK for the moment. Would be nice to have the money there, ready to go when we decide.

    I don't really know what to do re. teaching at the moment. I've spent the last few weeks counting down to half term and nothing about it is inspiring me. That's not how I wish to live. There is a part of me saying finish the qualification and try it for a year but another part saying leave without having to pay for the course (£9,250) but use the knowledge I've gained (mainly about myself) to make a better go of the business.

    I wasn't trying to be "superior" to anybody. I thought it would be a nice thing to do. Clearly not.

    Delighted to hear that you and MrsK are getting on so well Alex. Heartily approve of spending some money on the house. The new bathroom has given a lot of pleasure and comfort. What's next?

    Both very good points gallygirl.

    I'm sure you can see that there is a whole lot more in 'old school tie' than simply encouraging the pupils to have pride in their school. It signifies (especially to colleagues) the big divide between your respective likely backgrounds and circumstances. It's why so many people find it hard to listen to lessons in austerity from the likes of Dave, George (aka Gideon) and Boris. You are in a privileged position that you can afford not to be a teacher (or anything else) if you don't want to. You have the back up of the family business and MrsK's salary. Very few teachers are in that position.

    I think it highly unlikely that you could be a teacher and only work 40 hours a week. It has the advantage of flexibility that you could work just about 33 in term time on the school premises but there will still be a lot of PPA out of contact hours.

    Unless you are going to do a complete about turn from your thinking in recent months then I'm sure you'll not like yourself if you give up the course now. If the development project involves funding from your parents or even MrsK that could become fraught if they decided to pull the strings attached at any point.

    Completing the course and getting QTS would give you options. You could decide to do part time work after that which would fit in with any projects.

    You're bright, skilled and resourceful so you'd always find a way of earning a living of sorts but you've been dissatisfied with the lack of financial independence from your wife and family before. It would a shame to see it happen again.
    Originally posted by maman
    Thank you, maman. See above re. house.

    I wasn't trying to cause any sort of friction between myself and the staff at the school. Clearly they had other ideas and didn't wish to get to know me.

    You're right about not being able to do everything needed in 40 hours. At the moment, I have no other time. I didn't think I'd be the one saying this as I believe I did my research and volunteered. However, I wasn't prepared for the environment I've entered into and am not sure I want to gain QTS and work in the school environment. I'm struggling to even get along with pupils.

    Also, i!!!8217;m Sorry to pile on here Alex but in the run up to starting your course you were talking about that a lot, and I don!!!8217;t remember any mention of new property projects or a new found enthusiasm for the family business. Is it at all possible that the disappointment you are feeling about your course is leading to you jumping on to this distraction that is more in your comfort zone and convincing yourself it could be !!!8216;the answer!!!8217;?
    Originally posted by Red-Squirrel
    I don't know, Red Squirrel. However, I don't think it's a bad thing even if I am. Without meaning to be vulgar about it, I could work 25 hours per week and easily clear more than twice a teaching salary just making an effort with the property business. I suppose my attitude of not caring about the money leading up to the course has been thwarted by the realisation of potentially being paid c.£23,000 before tax to work 50+ hours with slow progression to about £32,000 p/a before tax. I hadn't expected this but it seems an insult for the amount of work put in, then that isn't good enough so far as the profession / employer is concerned. I'm sure I'd feel differently if I were enjoying the work but I'm not.
    Last edited by AlexLK; 02-10-2017 at 11:15 PM.
    2018 totals:
    Savings £4568.77
    Mortgage Overpayments £250

    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.
    • AlexLK
    • By AlexLK 2nd Oct 17, 11:14 PM
    • 5,968 Posts
    • 31,448 Thanks
    AlexLK
    Just popping in to say "Chin up" Alex. Teacher training was a very hard year even as a 20/21 year old.
    Originally posted by smallholdingsister
    Thank you, smallholding.

    I'm really struggling with it, I'm afraid.

    Seconded re mortgage. It's great to pay it off early and will save you a bucket load of money but there is (presumably) a plan to pay it off at the right time ie an endowment policy or the repayment method so get the house comfortable before going into over payments too much - no point the house being all your own but it's a broke down wreck of a place rather than a comfortable home lol

    Daisy xx
    Originally posted by daisy 1571
    The house has been a broke down wreck of a place many year before we even laid eyes on it.
    2018 totals:
    Savings £4568.77
    Mortgage Overpayments £250

    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.
    • AlexLK
    • By AlexLK 2nd Oct 17, 11:31 PM
    • 5,968 Posts
    • 31,448 Thanks
    AlexLK
    October targets / financials are as follows:
    Director's salary into savings.
    Food budget: £400.
    Alcohol free days (agreed with Mrs. K.): 21.
    Eating out: 4.
    Meat free: 10.
    NSDs: 10.
    Buy son's main birthday present.
    Review utility suppliers (contracts expiring soon).
    Get a new 'phone (Mrs. K.), no doubt this is going to be an iPhone 8, so getting the best deal there is. To be fair to her she's not upgraded her 'phone in a long time, for the past few years she's had a SIM only contract.
    Car spends: £100.
    Originally posted by AlexLK
    So much for the food target. My mother went shopping for us and we come home to a bill for £120.
    2018 totals:
    Savings £4568.77
    Mortgage Overpayments £250

    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.
    • daisy 1571
    • By daisy 1571 3rd Oct 17, 8:11 AM
    • 244 Posts
    • 3,015 Thanks
    daisy 1571
    Hi Gally,

    We are planning to renovate the kitchen and other rooms. The other rooms shouldn't take too much effort but the kitchen will. I don't have a timescale at the moment as we are OK for the moment. Would be nice to have the money there, ready to go when we decide.

    I don't really know what to do re. teaching at the moment. I've spent the last few weeks counting down to half term and nothing about it is inspiring me. That's not how I wish to live. There is a part of me saying finish the qualification and try it for a year but another part saying leave without having to pay for the course (£9,250) but use the knowledge I've gained (mainly about myself) to make a better go of the business.

    I wasn't trying to be "superior" to anybody. I thought it would be a nice thing to do. Clearly not.



    Thank you, maman. See above re. house.

    I wasn't trying to cause any sort of friction between myself and the staff at the school. Clearly they had other ideas and didn't wish to get to know me.

    You're right about not being able to do everything needed in 40 hours. At the moment, I have no other time. I didn't think I'd be the one saying this as I believe I did my research and volunteered. However, I wasn't prepared for the environment I've entered into and am not sure I want to gain QTS and work in the school environment. I'm struggling to even get along with pupils.



    I don't know, Red Squirrel. However, I don't think it's a bad thing even if I am. Without meaning to be vulgar about it, I could work 25 hours per week and easily clear more than twice a teaching salary just making an effort with the property business. I suppose my attitude of not caring about the money leading up to the course has been thwarted by the realisation of potentially being paid c.£23,000 before tax to work 50+ hours with slow progression to about £32,000 p/a before tax. I hadn't expected this but it seems an insult for the amount of work put in, then that isn't good enough so far as the profession / employer is concerned. I'm sure I'd feel differently if I were enjoying the work but I'm not.
    Originally posted by AlexLK
    I think that's been the slightly frustrating thing about your attitude to the business - its a job a lot of people would love to have and you could have made a real go of it yet you seemed to persist in faffing about, not putting effort into and consequently feeling you shouldn't take a proper wage. You were so lucky having this job, a job your can do and could be good at yet seemed to not want to take seriously. At least now you can see that and hopefully will appreciate the opportunities it can give you and you can just get on with the house and make it nice for you all. At some point you might look back and wonder why on earth it took you so long and why you were 'happy' (cos we know by reading your diary you weren't happy at all with the house) to live in it in the state it was in. !!!55357;!!!56842;
    Last edited by daisy 1571; 03-10-2017 at 9:17 AM.
    "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
    • Red-Squirrel
    • By Red-Squirrel 3rd Oct 17, 12:11 PM
    • 2,338 Posts
    • 6,457 Thanks
    Red-Squirrel
    use the knowledge I've gained (mainly about myself) to make a better go of the business.
    Originally posted by AlexLK
    Don't feel you have to answer if you don't want to, but what do you feel this month in a school has taught you about yourself?
    • maman
    • By maman 3rd Oct 17, 12:11 PM
    • 17,552 Posts
    • 105,163 Thanks
    maman
    Without meaning to be vulgar about it, I could work 25 hours per week and easily clear more than twice a teaching salary just making an effort with the property business. I suppose my attitude of not caring about the money leading up to the course has been thwarted by the realisation of potentially being paid c.£23,000 before tax to work 50+ hours with slow progression to about £32,000 p/a before tax. I hadn't expected this but it seems an insult for the amount of work put in, then that isn't good enough so far as the profession / employer is concerned. I'm sure I'd feel differently if I were enjoying the work but I'm not.
    Originally posted by AlexLK

    I agree it's a disgrace that teachers (along with the vast majority of people in the public sector) are not more highly valued. I think, for years, teachers have mostly put up with it because they've enjoyed the work, had the mindset that it was important to make a difference, liked the children etc. It's no coincidence that as working conditions have deteriorated, salary has fallen in relative terms and government ministers like Mr Gove have denigrated teachers that protest by calling them 'The Blob' then they are voting with their feet.

    So much for the food target. My mother went shopping for us and we come home to a bill for £120.
    Originally posted by AlexLK

    I hate to say 'We told you so' but we did. It's kind of your mother to offer support with the shopping as you're busy in the day but it really isn't necessary. With a meal plan and shopping list you or MrsK could be in and out of a supermarket (preferably Aldi) in half an hour and it would all be sorted for a week. How do you imagine other working parents manage?
    • newgirly
    • By newgirly 11th Oct 17, 6:50 AM
    • 6,112 Posts
    • 42,210 Thanks
    newgirly
    Morning Alex, how is at all going?
    MFW 21
    Target for 2018 £40k/£3769.26 paid so far

    Mortgage £43,856 4yrs 4 mths left. Total owed £58,228.74 planning to clear in 15 months
    Weight loss target 2018- 21lb /5 lb lost
    • Red-Squirrel
    • By Red-Squirrel 18th Oct 17, 1:21 PM
    • 2,338 Posts
    • 6,457 Thanks
    Red-Squirrel
    Hope you're doing ok Alex. x
    • AlexLK
    • By AlexLK 19th Oct 17, 11:32 PM
    • 5,968 Posts
    • 31,448 Thanks
    AlexLK
    I think that's been the slightly frustrating thing about your attitude to the business - its a job a lot of people would love to have and you could have made a real go of it yet you seemed to persist in faffing about, not putting effort into and consequently feeling you shouldn't take a proper wage. You were so lucky having this job, a job your can do and could be good at yet seemed to not want to take seriously. At least now you can see that and hopefully will appreciate the opportunities it can give you and you can just get on with the house and make it nice for you all. At some point you might look back and wonder why on earth it took you so long and why you were 'happy' (cos we know by reading your diary you weren't happy at all with the house) to live in it in the state it was in. !!!65533;!!!65533;
    Originally posted by daisy 1571
    Hi Daisy,

    I don't think I've been happy for any length of time and I've been punishing myself because if I'm honest, I know I don't deserve to be in the position I am. I also cannot really do a lot about my past.

    Don't feel you have to answer if you don't want to, but what do you feel this month in a school has taught you about yourself?
    Originally posted by Red-Squirrel
    Positive: I can cope with full time working hours, manage my time effectively and sleep for a reasonable amount of hours for the majority of nights.

    Negative: I have an ability to wind people up without hardly saying a word (already realised this to an extent but not quite to this extent).

    I agree it's a disgrace that teachers (along with the vast majority of people in the public sector) are not more highly valued. I think, for years, teachers have mostly put up with it because they've enjoyed the work, had the mindset that it was important to make a difference, liked the children etc. It's no coincidence that as working conditions have deteriorated, salary has fallen in relative terms and government ministers like Mr Gove have denigrated teachers that protest by calling them 'The Blob' then they are voting with their feet.

    I hate to say 'We told you so' but we did. It's kind of your mother to offer support with the shopping as you're busy in the day but it really isn't necessary. With a meal plan and shopping list you or MrsK could be in and out of a supermarket (preferably Aldi) in half an hour and it would all be sorted for a week. How do you imagine other working parents manage?
    Originally posted by maman
    Unfortunately, the putting up with unreasonable terms seems to be part of the culture which I cannot say I understand.

    At the moment getting my mother doing things and keeping herself occupied is important as my father isn't well. I understand other working parents manage and I know the supermarkets are an option, even though it is not an option we particularly want to take.
    2018 totals:
    Savings £4568.77
    Mortgage Overpayments £250

    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.
    • AlexLK
    • By AlexLK 19th Oct 17, 11:34 PM
    • 5,968 Posts
    • 31,448 Thanks
    AlexLK
    Morning Alex, how is at all going?
    Originally posted by newgirly
    I'm not really sure, NG.

    Hope you're doing ok Alex. x
    Originally posted by Red-Squirrel
    Thank you, Red Squirrel.
    2018 totals:
    Savings £4568.77
    Mortgage Overpayments £250

    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.
    • maman
    • By maman 19th Oct 17, 11:44 PM
    • 17,552 Posts
    • 105,163 Thanks
    maman
    Thanks for posting Alex .

    Hope it's half term for you. You shouldn't be up this late on a school night!
    • Suffolk lass
    • By Suffolk lass 20th Oct 17, 6:39 AM
    • 1,746 Posts
    • 19,292 Thanks
    Suffolk lass
    Thanks for posting Alex .

    Hope it's half term for you. You shouldn't be up this late on a school night!
    Originally posted by maman
    Just like to echo that (says the mad woman who has been up for two hours on a non-working day at 06.30 )
    MFiT T4 #2 update 51.75% after Q8 £5,203 behind where I should be
    Save £12k in 2018 #53 - after Jan £634.93/£10,000
    OS Grocery Challenge 2018 spent £238.47/£3,500 including stores so far
    My DFD is here
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