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  • FIRST POST
    • Runders
    • By Runders 12th Jun 15, 9:48 PM
    • 155Posts
    • 446Thanks
    Runders
    I can't sail the seas forever!
    • #1
    • 12th Jun 15, 9:48 PM
    I can't sail the seas forever! 12th Jun 15 at 9:48 PM
    Hi all!

    I've been lurking in this forum since I bought my house in September last year and I've finally decided to take the plunge and join you all.

    As my title my allude to, I work offshore as an environmental scientist, however I'm stuck on the firm stuff and office bound for 6 months due to a back injury. This has brought home to me that I can't do my job forever, and so I want to concentrate on reigning in my spending and paying as much of my mortgage off whilst I can. It will be a balance, I'm still doing the house up and buying furniture etc., but hopefully I can make a positive start with it all.

    My mortgage I took out in September 2014 was £109845, as of today it is £107626.79. I have a standing order set up to overpay £150 each month, and I sometimes pay a little extra if I have any spare cash. I have no other debts, I managed to pay my bank loans and student loans back in full a couple of years ago, after nearly being in a lot of trouble with those I have never taken any other type of loan.

    Before I bought my house my rent was only £375 a month all in, so I got used to having a fair amount of spare cash and not thinking about what I spent. Unfortunately I haven't quite gotten out of this mentality yet. Plus my costs will rise whilst I'm on land for fuel, food and bills....gulp! So with the help and support of this forum I'm hoping to try and cut back on luxuries ( theatre, cinema, coffee out), be more crafty and thrifty, learn about meal planning etc. and hopefully make a bit of a dent on my mortgage!

    I'm looking forward to getting to know you all!
Page 7
    • Runders
    • By Runders 29th Aug 16, 9:07 PM
    • 155 Posts
    • 446 Thanks
    Runders
    Hey all,

    Monthly update time for me.

    After lots of mulling it over and talking to my broker I have settled on a re-mortgage deal which starts in October. I can't believe I have had my house for two years already!!! I decided to go with and offset mortgage on a 1.6% rate. So that takes my payment down by £60 a month, yippee! I realise that you can potentially make more money from some savings accounts etc. But, I feel that this is the best way forward for me. I can be quite competitive/addictive, plus I like the idea that my money is there if I need it.

    So this month has been bad on the spending front I needed a new laptop, but I did get a bargain of a return in JL and I even managed to haggle another £30 off. I also finally found a cast iron surround for my woodburner which set me back £620, but I LOVE it and it looks fantastic. I was then very very naughty and bought myself a rather expensive necklace...bad Runders! I now have to curb the spending and get back into the money saving mindset for September.

    I'm still in the clearing out phase, I took 5 bags to charity the other day! I already have another 2 ready to take as well. I need to move everything from my dining room (A.K.A the storage/junk room) so that the re-furb work can be started in there. I really can't wait for all the work to be done and to stop having to spend out large sums of money on the house. I went up in the attic the other day and noticed patches of daylight in the roof...eep! I need to ring the roofer tomorrow, please keep your fingers crossed for me!

    During the clear out I have put some items on ebay and most have sold I think my running total for the month is £56 (before fees etc.) and I have 3 items on there at the moment that are doing well. I also just sent some books off that I should get about £6 for.

    My aim come the 1st of October is to save at least £700 a month into my offset savings account. My goal for myself is to have at least £15000 in there by October 2017. This value takes into account the money I will spend finishing the house and yearly insurances etc.

    Right, I have waffled on enough. I hope yu have all had a fantastic bank holiday!
    MFW: Start: September 2014 - £110844
    Target: £95K Sep17
    Sep15: £105329.87 Sep16: £99192.71 Nov16: £100701.39
    Offset Target: £15K Sep17
    Offset £9126.70
    • Runders
    • By Runders 31st Aug 16, 7:28 PM
    • 155 Posts
    • 446 Thanks
    Runders
    Hi all,

    Productive day today, I was in cleaning mode so the bathroom and kitchen are now spotless. Better move onto the lounge and bedrooms tomorrow! It never ends does it.

    I managed to have a NSD today (if you don't take into account house insurance), but that was mainly due to the fact that I haven't left the house today.....think I'd better face humanity tomorrow.

    I renewed my home insurance today, although I could have saved £30 by switching, I chose to stay where I am. The insurance I have is good and works well for an offshore worker like me. I did check the insurance company weren't giving a cheaper deal to new clients on their website, but a new quite actually came out as more expensive.

    I had two things sell on ebay today, so should get about £50 from those after fees, postage etc. I can't wait to have the offset all set up so I can start chucking all these bits and bobs in there. For now I'll transfer it to my ISA.

    Hoping I can get a few more bits listed tomorrow and also go for another NSD! That is my goal as well as the cleaning mentioned above. Fingers crossed I can pull it off.

    Toodles.
    MFW: Start: September 2014 - £110844
    Target: £95K Sep17
    Sep15: £105329.87 Sep16: £99192.71 Nov16: £100701.39
    Offset Target: £15K Sep17
    Offset £9126.70
    • Runders
    • By Runders 20th Sep 16, 10:11 PM
    • 155 Posts
    • 446 Thanks
    Runders
    Hi all,

    Bit of a delay in updating again. Someone very special to me passed away and I've been mostly consumed with that and related tasks.

    The money front is not at all good this month I think I am up to £200 on petrol (my car guzzles it) from driving from my home to my mum's during this rubbish time. I'm in Norfolk and my family are Oxfordshire way. I've also had to buy some new shoes, clothes etc. I am going to be in the red this month and so will have to dip into my savings. I need to run a tight ship for October!

    My new mortgage should come into effect on the 3rd of October. I am stupidly excited about this. Does anyone else get excited about a new mortgage deal or is it just me?

    I have also switched my energy to the MSE Energy Club Fix. I won't have any extra money from moving, it was preemptive so that I didn't automatically end up on the higher standard rate when my fix ends this month.

    To kick me whilst I am down my car has developed a problem. I really am praying that the garage can fix it for me tomorrow and that it won't cost me a fortune. I need a new car really, but I just don't have the money for one at the moment. My plan was to get the house finished and then save like mad for a new one, but my hand may be forced in a different direction.

    I'm currently eyeing up the items I have left at my Mum's house to see what I can sell. There are some books, dvds, etc. Hopefully be able to make a few pounds from the items I don't want to keep. It will be good to get the last of my stuff gone from her house really, considering that I haven't lived here for 9 years now!

    I really need to take my game to the next level in October and try to have more NSDs then SDs!
    MFW: Start: September 2014 - £110844
    Target: £95K Sep17
    Sep15: £105329.87 Sep16: £99192.71 Nov16: £100701.39
    Offset Target: £15K Sep17
    Offset £9126.70
    • Runders
    • By Runders 30th Sep 16, 11:25 PM
    • 155 Posts
    • 446 Thanks
    Runders
    Hi all,

    So, the money pit of a car cost me £400 to fix! If I hadn't been away from home I would have probably scrapped it. But i needed it with everything that was going on.

    So now that it's October tomorrow, I have to be much better with my money! I've just sorted three parcels of books and DVDs that I have sold online. I'll drop those to the shop for sending tomorrow. I should get about £30 from them all, so that can be squirrelled away into the offset account as soon as it is opened on Monday. I just had a mad moment and pretty much cleared my upstairs bookshelf of books. I just thought to myself "why the hell am I just keeping these for the sake of it?". I also have 3 bags to go to charity.

    I find that the less random stuff I have, the better I seem to feel. I definitely enjoy a more airy and less cluttered house.

    I have just come over very tired all of a sudden, so I'll leave it there and go to the land of zzzz
    MFW: Start: September 2014 - £110844
    Target: £95K Sep17
    Sep15: £105329.87 Sep16: £99192.71 Nov16: £100701.39
    Offset Target: £15K Sep17
    Offset £9126.70
    • Grumpyoldmoo
    • By Grumpyoldmoo 30th Sep 16, 11:38 PM
    • 298 Posts
    • 534 Thanks
    Grumpyoldmoo
    Sorry to read the car was expensive to fix.
    May I ask who you sell the books to? I have a 'library' that I would like to offload, I download books now.
    Mortgage @ Feb '15 £118411.00 Jan '16 £112665.10
    £2.00 Savers Club 2015 no.112 total £332
    £2.00 Savers Club 2016 #06, £356 (£250)
    £2 Savers Club for 2017 #2, £68 (275)

    Emergency Fund £1125/£1000
    • Moneyfordreams
    • By Moneyfordreams 1st Oct 16, 8:27 AM
    • 779 Posts
    • 3,682 Thanks
    Moneyfordreams
    I was going to asl the same
    Mortgage Feb '13 £200000, end 2038. Aiming for before March 2025 (crunched to 2034)
    January 16 £182800 : minimum £360 OP but needs to be £600 to achieve 2025
    Current mortgage £163000
    Car loan finished oct 16
    h@lifax CC £5000 0% until May 2018.. will pay minimum for now, slow stooze
    xmas, chairs, hoover, computer and holiday clothes cc
    • Runders
    • By Runders 1st Oct 16, 7:12 PM
    • 155 Posts
    • 446 Thanks
    Runders
    Hey Grumpyoldmoo and Moneyfordreams,

    I have been using Ziffit recently, it can be used as an app on your phone or they also have a website. You don't get a massive amount for the books. I have had anywhere from 30p to £4 for a book, mostly around the 30p mark. But it's better then nothing and I don't feel so bad about getting rid of them then.
    MFW: Start: September 2014 - £110844
    Target: £95K Sep17
    Sep15: £105329.87 Sep16: £99192.71 Nov16: £100701.39
    Offset Target: £15K Sep17
    Offset £9126.70
    • Grumpyoldmoo
    • By Grumpyoldmoo 1st Oct 16, 10:06 PM
    • 298 Posts
    • 534 Thanks
    Grumpyoldmoo
    Many thanks for the info Runders
    Mortgage @ Feb '15 £118411.00 Jan '16 £112665.10
    £2.00 Savers Club 2015 no.112 total £332
    £2.00 Savers Club 2016 #06, £356 (£250)
    £2 Savers Club for 2017 #2, £68 (275)

    Emergency Fund £1125/£1000
    • Runders
    • By Runders 1st Oct 16, 11:18 PM
    • 155 Posts
    • 446 Thanks
    Runders
    So tomorrow is October....time to be SUPER good with my money and save as much as a can. I am a sucker for eating out, which depletes my bank account and adds to my increasing waist line. I need to seriously knock this on the head, as the extra weight is making my back worse. I am going to put £1 in a tub each time I go to the gym, and I am going to use this to either help pay towards a ranch riding holiday, or to buy a ticket to the equestrian events at Tokyo 2020.

    On a whim I bought a euromillions ticket for Fri. I won £7.30 I took out my original stake of £2.50 and the rest has gone into my change pot. I'm pretty pleased with that. I'll let the pot build up a little more before I empty it and pay the contents into my savings account, I've had quite a lot out of it over the past couple of years.

    Anywho, that was my little update for today. Toodles.
    MFW: Start: September 2014 - £110844
    Target: £95K Sep17
    Sep15: £105329.87 Sep16: £99192.71 Nov16: £100701.39
    Offset Target: £15K Sep17
    Offset £9126.70
    • Runders
    • By Runders 16th Oct 16, 4:09 PM
    • 155 Posts
    • 446 Thanks
    Runders
    Hi all,

    I hope we are all enjoying Autumn. I actually have been away in Oz with work for the last 10 days, so my body is very confused: autumn, massively hot, autumn, and I'll be going back to massively hot again soon with my next job.

    My new mortgage completed whilst I was away and I've just transferred my money over into my offset savings account. I'm looking forward to putting as much money into that as I can each month.

    So, my money is holding out okay this month, as apart from work expenses, no money has been spent whilst I've been away. I just have to maintain the good behaviour now that I am back on land, I'd ideally like to put at least £400 into savings at the end of this month.

    I've had a payment of £18.40 from Ziffit, so that has gone into the offset acc. I have quite a few more books etc. to sell, but I need to get some more boxes for posting them in. My bookshelves are actually looking quite bare now, which is very unusual for me.

    My mortgage completed on the same day they took my payment and that wasn't taken into account, so at the moment I am short of £538, eep! I need to go and have a word with Halifax about it when they open tomorrow, I am assuming that they will refund me the money via cheque, but I want to make sure it happens.

    Fun afternoon of sorting paperwork ahead, so I'd better go and crack on.

    Toodles
    MFW: Start: September 2014 - £110844
    Target: £95K Sep17
    Sep15: £105329.87 Sep16: £99192.71 Nov16: £100701.39
    Offset Target: £15K Sep17
    Offset £9126.70
    • Runders
    • By Runders 30th Dec 16, 6:03 PM
    • 155 Posts
    • 446 Thanks
    Runders
    I've been AWOL again, I need to stop doing that as I seem to spend more when I'm not active with my diary!

    Finally the work is underway in the dining room. The new floor is down, now just need the skirting and then it can be painted. I'm very excited, but also nervous about finally having a usable dining room. I am VERY excited about the prospect of not spending out on big house projects. I had wanted to do the dining room and kitchen, but have decided that they are fine as they are for now.

    I have tweaked my budget this evening, if I stick to it I should be able to save about £800 a month i to my offset, which would be amazing. Eating out really is my nemesis, so my aim is to get that under control this year.

    I am looking forward to cracking on and hopefully watching my offset build!

    Happy New Year to you all!
    MFW: Start: September 2014 - £110844
    Target: £95K Sep17
    Sep15: £105329.87 Sep16: £99192.71 Nov16: £100701.39
    Offset Target: £15K Sep17
    Offset £9126.70
    • FacelessNumber
    • By FacelessNumber 30th Dec 16, 7:46 PM
    • 365 Posts
    • 1,968 Thanks
    FacelessNumber
    Good luck! A new year is the time to set new challenges and plans!

    • Jessy103
    • By Jessy103 30th Dec 16, 8:14 PM
    • 210 Posts
    • 708 Thanks
    Jessy103
    Hi Runders! Loved reading your diary and well done so far! Your job sounds exciting! I think you should put your money towards the ranch holiday! Watching the eventing at the Olympics would be amazing but you would just be watching and not riding! I would love to go western style riding in the USA somewhere, I bet it's amazing!

    Happy New Year and good luck with your MFW journey!
    Jess x
    Original Mortgage Amount 2007 - £87,310.50
    Mortgage Amount April 2017 - £64,990.00
    Overpayment Target for 2017 - £5,000 /£1,521.37
    Jan - £873.26 Feb - £185.38 March - £269.07 April - £193.66
    • Runders
    • By Runders 10th Jan 17, 12:06 PM
    • 155 Posts
    • 446 Thanks
    Runders
    Hi all,

    Hope the new year is treating you all well and any resolutions are still going strong.

    Thanks for the luck Facelessnumber, I hope 2017 is a great money saving year for you too!

    Jess, thanks for popping by. I think you are right re the ranch holiday. I think I'll find the length of the stirrups a bit unnerving to begin with. I used to ride young point to pointers, so I still have a bit of "jockey stirrups" on the go when I ride. Do you have a diary on the go?

    In terms of money saving, I had an absolute win with my car insurance yesterday! I managed to haggle £50 off with my current provider to beat the cheapest quote with another provider. Money saved and no hassle of switching I've also looked out some DVDs to send to sell and if they are all accepted I should get around £30 from those. My next task is to try and haggle a better price for the internet with Virgin, it's so pricey nowadays.

    So I've decided to try to give up alcohol for the year...wibble! My friend and I are doing it together and hopefully it will help both our waistlines and bank accounts. Each time we think we want a drink we are going to put £2 in a tin instead, and then at the end of the year we'll have a rough idea of how much we've saved ourselves. My gin collection is looking forlorn and dusty already...must stay strong!

    Anywho enough ramblings from me.

    Toodles
    MFW: Start: September 2014 - £110844
    Target: £95K Sep17
    Sep15: £105329.87 Sep16: £99192.71 Nov16: £100701.39
    Offset Target: £15K Sep17
    Offset £9126.70
    • Tropically
    • By Tropically 10th Jan 17, 12:55 PM
    • 99 Posts
    • 270 Thanks
    Tropically
    Hi Runders! We are twins, very similar career, very similar interests. Giving up booze for a year would be so good for the budget. I hope the creepy neighbour has stopped bothering you - Good fences make good neighbours!
    • Runders
    • By Runders 12th Jan 17, 1:47 PM
    • 155 Posts
    • 446 Thanks
    Runders
    Good fences make good neighbours!
    Originally posted by Tropically
    Tropically this is a fantastic and very true saying. The fence is quite possibly the best money I have ever spent on this house. Makes such a huge difference to my general happiness.
    MFW: Start: September 2014 - £110844
    Target: £95K Sep17
    Sep15: £105329.87 Sep16: £99192.71 Nov16: £100701.39
    Offset Target: £15K Sep17
    Offset £9126.70
    • Runders
    • By Runders 12th Jan 17, 2:02 PM
    • 155 Posts
    • 446 Thanks
    Runders
    Afternoon all,

    It's such a grey day here in Norfolk today, I think it will absolutely bucket down with rain soon if the sky is anything to go by.

    So I finally called Virgin today and although it wasn't an amazing haggle, I did manage to knock £3.23 off my internet bill a month. I could have got it cheaper elsewhere on one of the deals, but I have to admit to being a little lazy on this one. Plus I don't actually have a phone line to my house and don't fancy another hole being drilled in my wall...mental I know. But I am now £38.76 a year better off

    I've also applied for a new bank account to take advantage of the cash incentives. Hopefully that will all go smoothly and I should receive £125 once the switch is complete. I switched one of my other accounts to the M&S recently too and recieved a £100 voucher, I used that to finally by the lovely cutlery I've had my eye on for ages

    I paid my yearly car insurance out of my wages instead of using my savings this month. It's made it a little tight, but I want to try and get to the end of the month without dipping into my savings...challenge is on!

    Toodles
    MFW: Start: September 2014 - £110844
    Target: £95K Sep17
    Sep15: £105329.87 Sep16: £99192.71 Nov16: £100701.39
    Offset Target: £15K Sep17
    Offset £9126.70
    • Runders
    • By Runders 1st Apr 17, 7:17 PM
    • 155 Posts
    • 446 Thanks
    Runders
    Hello, Hello, Hello,

    I have been AWOL yet again. Life has been pretty sh*t recently, and I am splitting my time between my home and my Mum's. This has left little time for me to truly be MSE savvy, or update my diary. However, I am back (again) for now, and will update as much as circumstances allow.

    I have had a few money saving moments. I did get the £125 for my bank switch, and I paid that straight into my offset account. I have also just changed my phone provider, which should save me about £54 a year, and I did it through a cashback site with a potential reward of £50

    In the bad money news, I got clocked speeding on my way to my Mum's. So a £100 fine there, gutted! Also my car is on his very last legs, so my savings may take a hit when I find a replacement.

    Most of the big purchases are done with my house, just the stair carpet and some shelves to go and then hopefully I'll stop pouring money into it. I did want to sort the front garden out, but that can wait until I have built up my savings again.

    ohh in a Money Saving win, I got two free tickets to the Blenheim International Horse Trials today Any horsey people on here, they are still giving them away for free for the rest of today if you visit their Facebook page it has a link.

    Right toodles for now, I am off to catch up on all the other diaries.
    MFW: Start: September 2014 - £110844
    Target: £95K Sep17
    Sep15: £105329.87 Sep16: £99192.71 Nov16: £100701.39
    Offset Target: £15K Sep17
    Offset £9126.70
    • Runders
    • By Runders 18th Apr 17, 10:09 PM
    • 155 Posts
    • 446 Thanks
    Runders
    Evening all,

    I've made a foray into the world of stoozing using money transfer cards. I've stoozed £12k into my offset account, and even taking into account the initial money transfer fees I should make a good bit of headway. I've set up the direct debits for the minimum payments and also made a note of the end dates so I can pay the balance off before the promotional period ends. The money that I save off my monthly mortgage payment will then also be put into my offset account and not spent!! This is a new rule for me, as before I was just adding it to my money for the month.

    I won a watch which I sold for £50, and I also sold my old fitbit for £50, so this covers my naughty driver course fee of £88 and gives me a little towards the petrol to get there. If only I could win a few more things!

    My lodger is moving out at the end of the month, so I have been looking at my finances and re-jigging my budget about so that I account for the loss of income. I don't plan on having another lodger unless I really need to in the future, so I also need to sort out my single person discount for the council tax as well.
    MFW: Start: September 2014 - £110844
    Target: £95K Sep17
    Sep15: £105329.87 Sep16: £99192.71 Nov16: £100701.39
    Offset Target: £15K Sep17
    Offset £9126.70
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