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  • FIRST POST
    • tattycath
    • By tattycath 29th Aug 15, 7:53 PM
    • 6,558Posts
    • 34,907Thanks
    tattycath
    New Diary, New Start-mortgage be gone
    • #1
    • 29th Aug 15, 7:53 PM
    New Diary, New Start-mortgage be gone 29th Aug 15 at 7:53 PM
    New Diary-New Start.
    I had a diary on the debt free wannabe board...life has kinda got in the way over the last month or so. It's been very challenging.
    my family and I are trying to adjust to a 'new kind of normal'.
    So I decided it was time to start a brand new diary, this time on the mortgage free wannabe board.

    Goals and objectives:
    Primary objective is to pay off the mortgage.
    Build up some savings
    Tackle some DIY jobs
    declutter and tidy the rest of the home.

    Lots to do.


    right, targets for 2016
    1). pay 10k off the mortgage
    2). Clear out the loft
    3). Sell loads of my stuff I no longer need-this will raise much needed funds to achieve number 1).
    4). Do some maintenance on house and/or garden
    5). Finish some decorating
    6). Save 4K emergency fund-only got £300 so far-things keep coming up so I need to use it.
    7) save 3k projects fund (PF)

    I think that's a good start for a list.
    Let's get busy!

    Just adding a link to recipe thread.
    http://forums.moneysavingexpert.com/showthread.php?t=710445&highlight=batch+cooking+lo w
    Last edited by tattycath; 25-08-2016 at 1:43 PM.
    GE 36 *MFD December 2027-target 2020
    MFIT-T4 No 106
    EF £100/£2000 - PF £650- SSF £1,275
    Mortgage : £5,935/£10,000
    September £107.27/£200
    Sept GC £232/£200
    Savercard Christmas savings £208/£288
    19/3/16 = 176lb
Page 22
    • tattycath
    • By tattycath 11th Sep 16, 1:04 PM
    • 6,558 Posts
    • 34,907 Thanks
    tattycath
    Been feeling unwell all weekend. There is a bug going around. I think I'm now over the worst of it, hopefully.
    Progress report:
    Made a £10 sale yesterday
    Took some stuff to charity.
    Recycled loads of cardboard/paper etc
    Sorted some drawers out and threw a bin liner of stuff out.
    Got some stuff up for sale.

    Still got loads to do. I haven't even started cleaning up, still sorting stuff out.
    GE 36 *MFD December 2027-target 2020
    MFIT-T4 No 106
    EF £100/£2000 - PF £650- SSF £1,275
    Mortgage : £5,935/£10,000
    September £107.27/£200
    Sept GC £232/£200
    Savercard Christmas savings £208/£288
    19/3/16 = 176lb
    • tattycath
    • By tattycath 12th Sep 16, 12:10 PM
    • 6,558 Posts
    • 34,907 Thanks
    tattycath
    This month I'm determined to stick to some kind of budget. So I've decided:
    Groceries, including cleaning stuff and pet food-£200
    Fuel-£40
    So far I'm on just under £100 for groceries-and my month started 26th August (I think, lol)
    Fuel, I've only put in 20 quids worth and I have 100 miles left in tank.
    let's hope I can stick to the budget.
    I've got a designated pot to put the funds in for anything I sell-totals for that are in my siggy.
    Today I have made out a to do list for the week-or as soon as I can plough through it. Knowing how much stuff is going on it will probably take me the week to work my way through it.
    Best get cracking!
    GE 36 *MFD December 2027-target 2020
    MFIT-T4 No 106
    EF £100/£2000 - PF £650- SSF £1,275
    Mortgage : £5,935/£10,000
    September £107.27/£200
    Sept GC £232/£200
    Savercard Christmas savings £208/£288
    19/3/16 = 176lb
    • tattycath
    • By tattycath 12th Sep 16, 2:47 PM
    • 6,558 Posts
    • 34,907 Thanks
    tattycath
    Still working through my list.
    Managed to sell £38 worth of stuff.
    GE 36 *MFD December 2027-target 2020
    MFIT-T4 No 106
    EF £100/£2000 - PF £650- SSF £1,275
    Mortgage : £5,935/£10,000
    September £107.27/£200
    Sept GC £232/£200
    Savercard Christmas savings £208/£288
    19/3/16 = 176lb
    • tattycath
    • By tattycath 12th Sep 16, 5:15 PM
    • 6,558 Posts
    • 34,907 Thanks
    tattycath
    Mr T decided we needed some shopping...but at least he only spent £2.49.
    Total spend is now £99.15/£200 for the month. Only 18 more days and just over £100 left in budget. lots of food in cupboards, fridge and freezer too... Fingers crossed I can do this.
    GE 36 *MFD December 2027-target 2020
    MFIT-T4 No 106
    EF £100/£2000 - PF £650- SSF £1,275
    Mortgage : £5,935/£10,000
    September £107.27/£200
    Sept GC £232/£200
    Savercard Christmas savings £208/£288
    19/3/16 = 176lb
    • tattycath
    • By tattycath 13th Sep 16, 10:26 PM
    • 6,558 Posts
    • 34,907 Thanks
    tattycath
    Today I have been running errands and paying the dreaded bills, ordering stock and grocery shopping.
    Tomorrow I need to work in the morning and concentrate on tidying and cleaning in the afternoon, if I get away from work early enough.
    GE 36 *MFD December 2027-target 2020
    MFIT-T4 No 106
    EF £100/£2000 - PF £650- SSF £1,275
    Mortgage : £5,935/£10,000
    September £107.27/£200
    Sept GC £232/£200
    Savercard Christmas savings £208/£288
    19/3/16 = 176lb
    • A Frayed Knot
    • By A Frayed Knot 13th Sep 16, 10:45 PM
    • 1,572 Posts
    • 7,173 Thanks
    A Frayed Knot
    Mr T decided we needed some shopping...but at least he only spent £2.49.
    Total spend is now £99.15/£200 for the month. Only 18 more days and just over £100 left in budget. lots of food in cupboards, fridge and freezer too... Fingers crossed I can do this.
    Originally posted by tattycath

    You Can Do It . . . . . . . . . Rummage the freezer, have light lunches, baked potatoes, toasties or omelettes, You Can Do It.
    Always have a 0 at the end of your mortgage balance and someday it will all be 0's
    MF Original date March 30 Remortgage Oct 23 Target -Dec 19
    o/p 2014/£4000, 2015/£6294.69 MFW2016 #27 £3033.31/£3000, MFiT T4 .#5
    New Target for o/p £700/£1000 by 31.12.16
    • tattycath
    • By tattycath 13th Sep 16, 11:13 PM
    • 6,558 Posts
    • 34,907 Thanks
    tattycath
    You Can Do It . . . . . . . . . Rummage the freezer, have light lunches, baked potatoes, toasties or omelettes, You Can Do It.
    Originally posted by A Frayed Knot
    Thank you AFK-this is what I keep telling myself.
    I spent £50 ish tonight but I still have just over £50 left until the end of the month. I'm only planning top up shops for rest of month-like bread and milk. We have loads of yoghurt-and I shall use The slow cooker recipe from Rasputin Thorpedo's diary if I run out.
    I've got to sort through my cupboards as we currently have food in various different cupboards that it shouldn't be in-it was only supposed to be temporary but never got put back.
    Freezer is full-full enough to feed us for a couple of weeks if we ate what we have instead of stuff we fancy that we don't have.
    I wombled a receipt tonight so I need to check that on APG as well as the receipt from tonight's shop.
    GE 36 *MFD December 2027-target 2020
    MFIT-T4 No 106
    EF £100/£2000 - PF £650- SSF £1,275
    Mortgage : £5,935/£10,000
    September £107.27/£200
    Sept GC £232/£200
    Savercard Christmas savings £208/£288
    19/3/16 = 176lb
    • tattycath
    • By tattycath 14th Sep 16, 5:08 PM
    • 6,558 Posts
    • 34,907 Thanks
    tattycath
    2 receipts APG checked today and an extra £1.50+ for the food budget.
    GE 36 *MFD December 2027-target 2020
    MFIT-T4 No 106
    EF £100/£2000 - PF £650- SSF £1,275
    Mortgage : £5,935/£10,000
    September £107.27/£200
    Sept GC £232/£200
    Savercard Christmas savings £208/£288
    19/3/16 = 176lb
    • tattycath
    • By tattycath 14th Sep 16, 10:27 PM
    • 6,558 Posts
    • 34,907 Thanks
    tattycath
    Wheels are in motion for a nice little earner next month-just for an account switch-that's been long overdue anyway.
    Still plugging away with listings to try and drum up some sales this month.
    I'm still ploughing through my to do list for the week. I managed to cross off a couple more jobs today. Still lots to do though.
    Chilling tonight, watching a film with mr tc.
    GE 36 *MFD December 2027-target 2020
    MFIT-T4 No 106
    EF £100/£2000 - PF £650- SSF £1,275
    Mortgage : £5,935/£10,000
    September £107.27/£200
    Sept GC £232/£200
    Savercard Christmas savings £208/£288
    19/3/16 = 176lb
    • tattycath
    • By tattycath 16th Sep 16, 9:01 AM
    • 6,558 Posts
    • 34,907 Thanks
    tattycath
    Nearly the weekend.
    Lots of jobs started but not completed on the positive side, now they have been started, they shouldn't take as long to finish.
    Decluttering not going quite to plan...it seems more churning than decluttering to be honest.
    I had culled my books right back but lots more books seem to have snuck in.
    To do this weekend and going in to next week:
    1)Sort out my paperwork and receipts etc for TR -PRIORITY
    2) try and get rid of at least 100 items, either by selling, sending to charity or Putting in bin.
    3) get more stuff up for sale
    4) sort out DVDs and CDs again
    Last edited by tattycath; 16-09-2016 at 9:04 AM.
    GE 36 *MFD December 2027-target 2020
    MFIT-T4 No 106
    EF £100/£2000 - PF £650- SSF £1,275
    Mortgage : £5,935/£10,000
    September £107.27/£200
    Sept GC £232/£200
    Savercard Christmas savings £208/£288
    19/3/16 = 176lb
    • tattycath
    • By tattycath 17th Sep 16, 5:23 PM
    • 6,558 Posts
    • 34,907 Thanks
    tattycath
    Having a lazy family day today. long overdue, need to recharge my batteries a bit.
    Today I've:
    Cleaned sink
    Unloaded DW
    Reloaded DW
    Done some washing
    GE 36 *MFD December 2027-target 2020
    MFIT-T4 No 106
    EF £100/£2000 - PF £650- SSF £1,275
    Mortgage : £5,935/£10,000
    September £107.27/£200
    Sept GC £232/£200
    Savercard Christmas savings £208/£288
    19/3/16 = 176lb
    • brizzledfw
    • By brizzledfw 17th Sep 16, 6:09 PM
    • 6,144 Posts
    • 29,120 Thanks
    brizzledfw
    We have had a lazy day too. Much needed.

    Like your focus on the grocery bill. Much needed here too, so fingers crossed we both make it!
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    New debt: £7000 0%; Savings: £1400
    Declutter 50 items before 30.09.16 41/50 **
    NSDs Target 5 for September 2/5 EBay Sales Target 30.09.16 £299/£100
    • tattycath
    • By tattycath 20th Sep 16, 5:10 PM
    • 6,558 Posts
    • 34,907 Thanks
    tattycath
    We have had a lazy day too. Much needed.

    Like your focus on the grocery bill. Much needed here too, so fingers crossed we both make it!
    Originally posted by brizzledfw
    Yes, everyone needs a lazy day or 2 once in a while.
    This week I'm super busy, lets of tidying, cleaning and reorganising to do.
    Mr tc seems determined to scupper my shopping budget!
    We only needed bread and milk...and pie and sausage and ice cream-we did not need any of the latter 3 things and whatever else he got that I haven't seen yet. anyway, he managed to spend £11.31.
    I need to update signature. I think it leaves us about £20.52 and £2.45 in APG vouchers, to last us 10 days. I've just told him he is banned from shopping for 10 days.
    Last edited by tattycath; 20-09-2016 at 5:17 PM.
    GE 36 *MFD December 2027-target 2020
    MFIT-T4 No 106
    EF £100/£2000 - PF £650- SSF £1,275
    Mortgage : £5,935/£10,000
    September £107.27/£200
    Sept GC £232/£200
    Savercard Christmas savings £208/£288
    19/3/16 = 176lb
    • chumpy45
    • By chumpy45 20th Sep 16, 10:16 PM
    • 195 Posts
    • 714 Thanks
    chumpy45
    Haha my DH is a demon in the supermarket too. He will buy really random items that we never eat and try to justify them as they are reduced. Just when you think you are doing well with the budget, a spanner is thrown well and truly into the works!!
    Starting Mortgage 01.08.08 £171,209.24. Mortgage as at 01.09.15 - £54,780.04; 01.11.15 £49,577.04;01.03.16 £45,799.32; 01.08.16 £42,418.93 MFW Target date Sept 2017;
    • tattycath
    • By tattycath 22nd Sep 16, 8:16 AM
    • 6,558 Posts
    • 34,907 Thanks
    tattycath
    Haha my DH is a demon in the supermarket too. He will buy really random items that we never eat and try to justify them as they are reduced. Just when you think you are doing well with the budget, a spanner is thrown well and truly into the works!!
    Originally posted by chumpy45
    Pleased it's not just my OH who does this. he's still banned from shopping for a few days!
    I have set myself a tough task to be honest, as my month started on 26th August-so it's over a month really as I've set the end date for 30th September. So if I'd set it for a true month-26th -25th. We would come in under budget, no problem. It's only the 22nd and we still have over £20 left.
    I'm still really proud to be honest as we usually spend between £400-£500 a month, so we've cut that in half.
    GE 36 *MFD December 2027-target 2020
    MFIT-T4 No 106
    EF £100/£2000 - PF £650- SSF £1,275
    Mortgage : £5,935/£10,000
    September £107.27/£200
    Sept GC £232/£200
    Savercard Christmas savings £208/£288
    19/3/16 = 176lb
    • tattycath
    • By tattycath 23rd Sep 16, 9:23 AM
    • 6,558 Posts
    • 34,907 Thanks
    tattycath
    Today is sorting day.
    Yesterday I made a start on the lounge...but there is so much stuff I want to either keep or sell. So today I'm changing tac and I'm going to attack the storage upstairs...I figure if I can part with some stuff from up there, it will free up storage for the things I want to keep that are downstairs. This is the plan anyway.
    GE 36 *MFD December 2027-target 2020
    MFIT-T4 No 106
    EF £100/£2000 - PF £650- SSF £1,275
    Mortgage : £5,935/£10,000
    September £107.27/£200
    Sept GC £232/£200
    Savercard Christmas savings £208/£288
    19/3/16 = 176lb
    • tattycath
    • By tattycath 23rd Sep 16, 11:56 PM
    • 6,558 Posts
    • 34,907 Thanks
    tattycath
    Ok, so Ive been to get some groceries today...I have gone over budget. in my defence, I got some things that were on offer whilst they were on offer. If I had waited until next week they may have been back up to full price. So I haven't splurged on things we don't need. I've bought things we don't need now but will need them within the next month or so. Long term it is moneysaving.
    I also wombled a receipt as I walked back to the car and got a voucher for over £1.50. My own receipt reaped nearly £1.50 too.
    I'm still going to come in under £250 on the groceries for the month and that's fantastic for us. especially as it's a five week month.
    Last edited by tattycath; 23-09-2016 at 11:58 PM.
    GE 36 *MFD December 2027-target 2020
    MFIT-T4 No 106
    EF £100/£2000 - PF £650- SSF £1,275
    Mortgage : £5,935/£10,000
    September £107.27/£200
    Sept GC £232/£200
    Savercard Christmas savings £208/£288
    19/3/16 = 176lb
    • chumpy45
    • By chumpy45 24th Sep 16, 10:03 AM
    • 195 Posts
    • 714 Thanks
    chumpy45
    Great news on the food spend reduction, well done you. Am very envious as ours seems to have been worse than ever as all the DSs have been home over the past month. However, next week we will be down from six in the house to only three as they head back one by one to uni. If there is no reduction in our monthly total next month I will deserve to be thrown off this forum
    Starting Mortgage 01.08.08 £171,209.24. Mortgage as at 01.09.15 - £54,780.04; 01.11.15 £49,577.04;01.03.16 £45,799.32; 01.08.16 £42,418.93 MFW Target date Sept 2017;
    • brizzledfw
    • By brizzledfw 25th Sep 16, 8:24 PM
    • 6,144 Posts
    • 29,120 Thanks
    brizzledfw
    Chumpy ..I would be keeping you company

    All good progress Mrs T..that's some inroad into the grocery bill

    Well done xx
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    New debt: £7000 0%; Savings: £1400
    Declutter 50 items before 30.09.16 41/50 **
    NSDs Target 5 for September 2/5 EBay Sales Target 30.09.16 £299/£100
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