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  • FIRST POST
    • wifey27
    • By wifey27 7th Apr 15, 6:32 PM
    • 201Posts
    • 456Thanks
    wifey27
    starting as I mean to go on
    • #1
    • 7th Apr 15, 6:32 PM
    starting as I mean to go on 7th Apr 15 at 6:32 PM
    Hi there!

    I've been following the diaries on mse for a few years but never been brave enough to post anything.

    I bought my first house at the end of February and made an over payment on the mortgage last night - it was such a good feeling I thought I would start a diary to encourage myself to keep going!

    Happy for any advice/company along the way!
    wifey27
Page 8
    • wifey27
    • By wifey27 6th Oct 16, 9:25 PM
    • 201 Posts
    • 456 Thanks
    wifey27
    Monday was NSD #2. Yesterday I spent £25 on petrol, £15 on L*dl food shop and moved £10 to savings. Another no spend day today.
    Initial mortgage Feb 2015 £157545.00
    Mortgage February 2016 £135022.24
    Current mortgage Nov 2016 £119699.33
    • wifey27
    • By wifey27 8th Oct 16, 11:17 PM
    • 201 Posts
    • 456 Thanks
    wifey27
    Pack lunch taken to work yesterday, making it NSD #4.

    A few small spends today, including £10 from grocery budget. Also used up a restaurant voucher for lunch, helping to keep costs down.

    In that part of the month were nothing much seems to happen money wise. Will have to see if I can raise a few pennies to help things along.
    Initial mortgage Feb 2015 £157545.00
    Mortgage February 2016 £135022.24
    Current mortgage Nov 2016 £119699.33
    • wifey27
    • By wifey27 10th Oct 16, 6:52 AM
    • 201 Posts
    • 456 Thanks
    wifey27
    Lots of spending going on this weather, but all planned. £30 spent on item for the house yesterday and £40 in T/co for food shopping. Small amount spent in B*Q, but had a voucher for this. Will need to get petrol this morning. Hoping for a few no spend days toward the end of the week.
    Initial mortgage Feb 2015 £157545.00
    Mortgage February 2016 £135022.24
    Current mortgage Nov 2016 £119699.33
    • rasputin_thorpedo
    • By rasputin_thorpedo 10th Oct 16, 7:25 AM
    • 325 Posts
    • 1,888 Thanks
    rasputin_thorpedo
    In that part of the month were nothing much seems to happen money wise. Will have to see if I can raise a few pennies to help things along.

    Morning! I have a love hate relationship with this part of the month.

    It's nice to have a break from the spreadsheets. What are your actions in this mid-month-money-slump to help you stay aware/make a difference?

    Man v Mortgage
    May15 Mortgage - £185k | Dec16 - £162k | Dec17 - £142k | Dec18 - £120k | Dec19 - £97k | Dec20 - £73k | Dec21 - £46k | Dec22 - 18k | May23 - £0 Mortgage Free at 40 in May23!
    • wifey27
    • By wifey27 10th Oct 16, 9:36 PM
    • 201 Posts
    • 456 Thanks
    wifey27
    Not sure how best to tackle it MvM, but I'll start by keeping posting and concentrating on the little successes. For today, it's £6.03 earned in interest and chased up a refund for £35 which should arrive in a few days.

    Spent £25 out of my weekly £35 petrol budget. Will use the remaining £10 to cover an unexpected increase in one of my monthly direct debits. Think I might cancel this off completely from next month, would save me £330 over the next year.
    Initial mortgage Feb 2015 £157545.00
    Mortgage February 2016 £135022.24
    Current mortgage Nov 2016 £119699.33
    • wifey27
    • By wifey27 13th Oct 16, 6:57 AM
    • 201 Posts
    • 456 Thanks
    wifey27
    Not much to report, have eaten out a couple of times this week...so hoping for no spend days today and tomorrow. Roll on pay day, less than 2 weeks away.
    Initial mortgage Feb 2015 £157545.00
    Mortgage February 2016 £135022.24
    Current mortgage Nov 2016 £119699.33
    • Dolly Rocker
    • By Dolly Rocker 13th Oct 16, 8:31 AM
    • 2,657 Posts
    • 7,060 Thanks
    Dolly Rocker
    Hey wifey27 - just had a read through your diary & wanted to say well done!

    You are doing great with your mortgage overpayments.

    Life has that old habit of getting in the way but you are still making great progress.

    I'm going to subscribe to keep up to date with your MF journey.

    Dxxx
    Debt Free by Xmas 2017 6,186.67/14,523.76
    Saving for Xmas 2017 0/365
    Goal Weight by August 2017 27lbs/84lbs
    Mortgage Savings 2020 0/25,000
    • wifey27
    • By wifey27 13th Oct 16, 9:16 PM
    • 201 Posts
    • 456 Thanks
    wifey27
    Thanks Dolly Rocker. From your signature you look like you're making great progress with your goals too.

    So I have been putting off buying a couple of bits of clothes for work, but just can't delay any longer. So didn't manage a no spend day today as I ordered them on line this evening. Good things though are that I went through cash back site, 1 item was on sale and I had a 20% off code for the other item. I have shuffled the budget a bit, but would be good if I could make a few pennies to offset the cost a bit. Will have a think.

    Obviously won't do as well with the no spend days this month. But I knew there would be spending and I guess the main thing is that it is all planned and budgeted for.
    Initial mortgage Feb 2015 £157545.00
    Mortgage February 2016 £135022.24
    Current mortgage Nov 2016 £119699.33
    • wifey27
    • By wifey27 14th Oct 16, 9:35 PM
    • 201 Posts
    • 456 Thanks
    wifey27
    Finally, a no spend day! Number 5.
    Initial mortgage Feb 2015 £157545.00
    Mortgage February 2016 £135022.24
    Current mortgage Nov 2016 £119699.33
    • wifey27
    • By wifey27 15th Oct 16, 9:12 PM
    • 201 Posts
    • 456 Thanks
    wifey27
    Big spend on decorating supplies today, but ordered online, got free delivery and went through cash back site. Food shop done £60 and dropped off glass recycling while at T/co. Sent off an e mail to cancel a direct debit saving £30 a month.

    Feels like slow progress at the minute, but at least if I'm sticking to my budget, keeping away from using credit cards and watching the regular mortgage payments coming off, then still headed in the right direction!
    Initial mortgage Feb 2015 £157545.00
    Mortgage February 2016 £135022.24
    Current mortgage Nov 2016 £119699.33
    • wifey27
    • By wifey27 17th Oct 16, 8:48 PM
    • 201 Posts
    • 456 Thanks
    wifey27
    Bank balance all over the place at the minute, with lots going in and out. Feels quite unsettling but should calm down in a few days. Good things include work bonus and a couple of refunds. Hoping for a no spend day tomorrow.
    Initial mortgage Feb 2015 £157545.00
    Mortgage February 2016 £135022.24
    Current mortgage Nov 2016 £119699.33
    • wifey27
    • By wifey27 19th Oct 16, 7:00 PM
    • 201 Posts
    • 456 Thanks
    wifey27
    Yesterday and today were no spend days #6 and #7 respectively. Sent £115 to short term savings and £30 to long term savings. Only a week until pay day. Feeling more on track again.
    Initial mortgage Feb 2015 £157545.00
    Mortgage February 2016 £135022.24
    Current mortgage Nov 2016 £119699.33
    • Dolly Rocker
    • By Dolly Rocker 20th Oct 16, 8:20 AM
    • 2,657 Posts
    • 7,060 Thanks
    Dolly Rocker
    Well done on your NSD's

    I was great last week with them but have really fallen off the wagon.

    Dxxx
    Debt Free by Xmas 2017 6,186.67/14,523.76
    Saving for Xmas 2017 0/365
    Goal Weight by August 2017 27lbs/84lbs
    Mortgage Savings 2020 0/25,000
    • wifey27
    • By wifey27 20th Oct 16, 6:58 PM
    • 201 Posts
    • 456 Thanks
    wifey27
    Thanks Dolly, another one today - number 8. Also sent £20 to long term savings to hit a milestone!
    Initial mortgage Feb 2015 £157545.00
    Mortgage February 2016 £135022.24
    Current mortgage Nov 2016 £119699.33
    • Dolly Rocker
    • By Dolly Rocker 20th Oct 16, 9:54 PM
    • 2,657 Posts
    • 7,060 Thanks
    Dolly Rocker
    Excellent!

    Dxxx
    Debt Free by Xmas 2017 6,186.67/14,523.76
    Saving for Xmas 2017 0/365
    Goal Weight by August 2017 27lbs/84lbs
    Mortgage Savings 2020 0/25,000
    • wifey27
    • By wifey27 22nd Oct 16, 8:40 PM
    • 201 Posts
    • 456 Thanks
    wifey27
    Yesterday spent £32 on petrol and £20 on takeaway. Offset a bit by getting £20 back that was owed.

    NSD #9 today.

    Feels strange and frustrating not to be overpaying the mortgage at the minute. It has become such a habit. But after this payday I will be taking a big pay cut - so I should just be focusing on keeping to my budget so that when the time comes when I can overpay again, I can get stuck in and not be clearing credit card debt!

    Maybe setting some new goals would help focus me. I will have a think.

    On a more positive more, only 4 days to pay day!
    Initial mortgage Feb 2015 £157545.00
    Mortgage February 2016 £135022.24
    Current mortgage Nov 2016 £119699.33
    • wifey27
    • By wifey27 23rd Oct 16, 7:57 AM
    • 201 Posts
    • 456 Thanks
    wifey27
    I think a plan is in order for today...

    Have to go to work for a while

    Then money wise...
    1. Cancel direct debit (has been reduced from £28 to £14, but still don't think it's worth it)
    2. Look into changing account from reward to normal one (no longer make adequate use of the benefits)
    3. Apply for current account switch, the vouchers can then be used to cover some of the christmas shopping
    4. Have a no spend day
    5. Parcel up a refund which can be posted tomorrow

    Also need to do some cleaning, washing and ironing.
    Better get stuck in!
    Initial mortgage Feb 2015 £157545.00
    Mortgage February 2016 £135022.24
    Current mortgage Nov 2016 £119699.33
    • Dolly Rocker
    • By Dolly Rocker 23rd Oct 16, 9:03 AM
    • 2,657 Posts
    • 7,060 Thanks
    Dolly Rocker
    Sounds like a good plan for the day.

    I just got 100.00 for switching my bank account, if you want I can refer you? PM me.

    Dxxx
    Debt Free by Xmas 2017 6,186.67/14,523.76
    Saving for Xmas 2017 0/365
    Goal Weight by August 2017 27lbs/84lbs
    Mortgage Savings 2020 0/25,000
    • wifey27
    • By wifey27 24th Oct 16, 8:24 AM
    • 201 Posts
    • 456 Thanks
    wifey27
    Managed all my chores yesterday, except the ironing, so that can go onto today's list. It was NSD #10 and potential saving of £180 over the next year by changing bank account (from reward one costing £10, to one which gives us £5!).

    Other things to do today...
    1. Chase up refund of £90
    2. Go to post office
    3. Do food shop
    4. Look into new sim only deal, as mine has gone up slightly
    Initial mortgage Feb 2015 £157545.00
    Mortgage February 2016 £135022.24
    Current mortgage Nov 2016 £119699.33
    • wifey27
    • By wifey27 25th Oct 16, 4:10 AM
    • 201 Posts
    • 456 Thanks
    wifey27
    Lots of planned spending yesterday (too much to list!) but did everything on my 'to-do' list, as well as some house work.

    Along with work today, I need to...
    1. Get quote for breakdown cover
    2. Have a no spend day
    3. Budget for November (pay day tomorrow!)

    Am waiting to hear back about some extra work for the next fortnight, hopefully will work out!
    Initial mortgage Feb 2015 £157545.00
    Mortgage February 2016 £135022.24
    Current mortgage Nov 2016 £119699.33
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