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  • FIRST POST
    • tattycath
    • By tattycath 29th Aug 15, 7:53 PM
    • 6,643Posts
    • 35,128Thanks
    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 - SSF £350
    Mortgage : £5,935/£10,000
    November: £118.00/£200
    November £77.00/£250
    Savercard Christmas savings £150
    19/3/16 = 176lb
Page 24
    • greent
    • By greent 7th Oct 16, 10:26 PM
    • 5,192 Posts
    • 52,298 Thanks
    greent
    I second that fleabay is doing well at the mo - have sold over a dozen things in just over a week out of about 18 listed, so was pleased with that It's just motivating myself to list it in the first place which is the really hard bit
    xx
    Repaid mortgage early (originally 11/25) Bal 01/09 £124616 01/10 £104927 01/11 £89873 01/12 £76317 01/13 £52546 01/14 £35356 01/15 £12133 07/15 £NIL
    Now repaying BTL Mtge. Opening Bal £69786. Current Bal £68286
    Net sales in 2016 £772.06/£500
    Dec grocery spends £0/ £480 NSDs 2/12
    • tattycath
    • By tattycath 8th Oct 16, 8:28 AM
    • 6,643 Posts
    • 35,128 Thanks
    tattycath
    I'm sorry I haven't been on for a while tattycath, I hope everything is ok with you.

    Good luck with the targets, they will be fab if you can achieve them all!

    Thanks for the tip about carrots, I'm going to try that, I'm fed up with them going all wrinkly too quickly
    Originally posted by jwil
    Hi jwil.
    All is ok thanks.
    Let me know how you get on with the carrots.
    GE 36 *MFD December 2027-target 2020
    MFIT-T4 No 106
    EF £100/£2000 - SSF £350
    Mortgage : £5,935/£10,000
    November: £118.00/£200
    November £77.00/£250
    Savercard Christmas savings £150
    19/3/16 = 176lb
    • tattycath
    • By tattycath 8th Oct 16, 8:31 AM
    • 6,643 Posts
    • 35,128 Thanks
    tattycath
    I second that fleabay is doing well at the mo - have sold over a dozen things in just over a week out of about 18 listed, so was pleased with that It's just motivating myself to list it in the first place which is the really hard bit
    xx
    Originally posted by greent
    Hi greent.
    Yes, it's the motivation to do the actual listing I'm struggling with.
    I do have some stuff up for sale, I just need to add to it.
    GE 36 *MFD December 2027-target 2020
    MFIT-T4 No 106
    EF £100/£2000 - SSF £350
    Mortgage : £5,935/£10,000
    November: £118.00/£200
    November £77.00/£250
    Savercard Christmas savings £150
    19/3/16 = 176lb
    • tattycath
    • By tattycath 8th Oct 16, 8:37 AM
    • 6,643 Posts
    • 35,128 Thanks
    tattycath
    Yesterday I had my (what seems to be almost weekly) cold/bug/sniffles)
    I did manage to get some paperwork sorted. still got more to do though.
    Today:it's photographing and listing day!

    Mortgage overpayments are very slow at the moment. I pay a regular overpayment-probably over £125 a month, in with my usual payment. I just don't seem to be in a position to pay any more at this moment.
    In an ideal world, business will pick up to the point whereby I can double my monthly payment-that will make a dent in the mortgage. Right, best get listing-getting rid of excess personal possessions will be a start.
    GE 36 *MFD December 2027-target 2020
    MFIT-T4 No 106
    EF £100/£2000 - SSF £350
    Mortgage : £5,935/£10,000
    November: £118.00/£200
    November £77.00/£250
    Savercard Christmas savings £150
    19/3/16 = 176lb
    • tattycath
    • By tattycath 10th Oct 16, 8:41 AM
    • 6,643 Posts
    • 35,128 Thanks
    tattycath
    It's really cold here this morning, heating is on and I'm freezing!
    Busy weekend:cleaning, tidying, photographing...
    Not got much listing done as the photographing takes so long. I'm just in the throes of editing about a hundred items worth of photos...
    I did manage a few sales over the weekend-so that's 20 quid in the pot.
    Today, after work, I need to continue editing and trying to get some listings up.
    GE 36 *MFD December 2027-target 2020
    MFIT-T4 No 106
    EF £100/£2000 - SSF £350
    Mortgage : £5,935/£10,000
    November: £118.00/£200
    November £77.00/£250
    Savercard Christmas savings £150
    19/3/16 = 176lb
    • tattycath
    • By tattycath 12th Oct 16, 10:01 AM
    • 6,643 Posts
    • 35,128 Thanks
    tattycath
    Tuesday morning, all is well...apart from my computer. I'm trying to edit photos and it keeps coming up that there isn't enough memory. Even though I have over 33% memory...so I'm doing everything I can to get rid of unwanted stuff...it won't let me Defrag it for some reason either-it was only repaired and sorted out in August.
    My next option is to save all photos on a internet based site or stick them all on a memory stick or disk.
    Does anyone use auctiva-eBay listing tool? I did use turbo lister for my business, but apparently it's not going to be available after June 2017.
    I know auctiva is about $9.95 a month and you can store a limited amount of photos. I'm just looking for feedback about: ease of use? Reliability? Value for money? TIA
    GE 36 *MFD December 2027-target 2020
    MFIT-T4 No 106
    EF £100/£2000 - SSF £350
    Mortgage : £5,935/£10,000
    November: £118.00/£200
    November £77.00/£250
    Savercard Christmas savings £150
    19/3/16 = 176lb
    • tattycath
    • By tattycath 12th Oct 16, 1:11 PM
    • 6,643 Posts
    • 35,128 Thanks
    tattycath
    Or even Wednesday morning. Lol! What am I like! No idea why I thought it was Tuesday.
    GE 36 *MFD December 2027-target 2020
    MFIT-T4 No 106
    EF £100/£2000 - SSF £350
    Mortgage : £5,935/£10,000
    November: £118.00/£200
    November £77.00/£250
    Savercard Christmas savings £150
    19/3/16 = 176lb
    • greent
    • By greent 12th Oct 16, 7:57 PM
    • 5,192 Posts
    • 52,298 Thanks
    greent
    Have never used AUctiva, sorry. I used to use turbo lister many years ago but now just list things individually x
    Repaid mortgage early (originally 11/25) Bal 01/09 £124616 01/10 £104927 01/11 £89873 01/12 £76317 01/13 £52546 01/14 £35356 01/15 £12133 07/15 £NIL
    Now repaying BTL Mtge. Opening Bal £69786. Current Bal £68286
    Net sales in 2016 £772.06/£500
    Dec grocery spends £0/ £480 NSDs 2/12
    • tattycath
    • By tattycath 14th Oct 16, 6:46 PM
    • 6,643 Posts
    • 35,128 Thanks
    tattycath
    This week it feels like I have done loads and achieved little.
    I have managed to sell £28 worth of stuff.
    I'm hoping to have a more productive week next week.
    GE 36 *MFD December 2027-target 2020
    MFIT-T4 No 106
    EF £100/£2000 - SSF £350
    Mortgage : £5,935/£10,000
    November: £118.00/£200
    November £77.00/£250
    Savercard Christmas savings £150
    19/3/16 = 176lb
    • tattycath
    • By tattycath 16th Oct 16, 10:36 PM
    • 6,643 Posts
    • 35,128 Thanks
    tattycath
    Now up to £45/£200 for the month (making money from unwanted stuff, money found, voucher, TCB, etc etc).
    I read something interesting about time management recently. (Probably on MSE actually). Something about dividing your day up into hours available and allocating set times for different stuff. This way I might manage to allocate some time to myself-fingers crossed. You never know, it may also help me to utilise my time more effectively.
    I'm going to go and write out my 'to do' list for tomorrow.
    GE 36 *MFD December 2027-target 2020
    MFIT-T4 No 106
    EF £100/£2000 - SSF £350
    Mortgage : £5,935/£10,000
    November: £118.00/£200
    November £77.00/£250
    Savercard Christmas savings £150
    19/3/16 = 176lb
    • tattycath
    • By tattycath 17th Oct 16, 6:51 PM
    • 6,643 Posts
    • 35,128 Thanks
    tattycath
    Today hasn't gone to plan.
    Firstly, I sold something and it took me over an hour to find it!
    Then I had problems with computer and email.
    So I'm hoping to have it all sorted tomorrow so I can get on.
    DD1 has tripped at work...
    temporary cash flow problems, just the incentive I need to get rid of some stuff and try and get some money in.
    Challenge on!
    GE 36 *MFD December 2027-target 2020
    MFIT-T4 No 106
    EF £100/£2000 - SSF £350
    Mortgage : £5,935/£10,000
    November: £118.00/£200
    November £77.00/£250
    Savercard Christmas savings £150
    19/3/16 = 176lb
    • atypicalblonde
    • By atypicalblonde 17th Oct 16, 8:24 PM
    • 1,614 Posts
    • 8,478 Thanks
    atypicalblonde
    I hope tomorrow is better for you and that DD is ok? x
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 3.11.16 - £139,251.40
    • tattycath
    • By tattycath 17th Oct 16, 11:28 PM
    • 6,643 Posts
    • 35,128 Thanks
    tattycath
    I hope tomorrow is better for you and that DD is ok? x
    Originally posted by atypicalblonde
    Thank you, she's hurt her leg but she's ok thanks.
    GE 36 *MFD December 2027-target 2020
    MFIT-T4 No 106
    EF £100/£2000 - SSF £350
    Mortgage : £5,935/£10,000
    November: £118.00/£200
    November £77.00/£250
    Savercard Christmas savings £150
    19/3/16 = 176lb
    • tattycath
    • By tattycath 21st Oct 16, 9:13 PM
    • 6,643 Posts
    • 35,128 Thanks
    tattycath
    Life has a habit of getting in the way this week...
    Grocery challenge is shot!
    Listing...still needs doing. I only managed to get half a dozen items up.
    I've established this week that I work much better :
    1) with lists
    2) when I get up earlier (that was a shocker-never thought of myself as a really stupidly early riser).
    I did manage to kon Marie:
    some old out of date meds
    Some utensil holders.
    Mug trees
    I sorted some of kitchen cupboards out too and got rid of a few bits.
    I've now found a space that sparks joy...until someone fills it up again.
    Financials are depleting due to necessary and indulgent spends.
    I'm endeavouring to get back on track next week....
    GE 36 *MFD December 2027-target 2020
    MFIT-T4 No 106
    EF £100/£2000 - SSF £350
    Mortgage : £5,935/£10,000
    November: £118.00/£200
    November £77.00/£250
    Savercard Christmas savings £150
    19/3/16 = 176lb
    • tattycath
    • By tattycath 23rd Oct 16, 1:02 PM
    • 6,643 Posts
    • 35,128 Thanks
    tattycath
    Up early this morning but having a chill day today.
    I have done some washing and sorted DW out. If I find some energy I will try to get some stuff done later.
    GE 36 *MFD December 2027-target 2020
    MFIT-T4 No 106
    EF £100/£2000 - SSF £350
    Mortgage : £5,935/£10,000
    November: £118.00/£200
    November £77.00/£250
    Savercard Christmas savings £150
    19/3/16 = 176lb
    • tattycath
    • By tattycath 24th Oct 16, 1:13 PM
    • 6,643 Posts
    • 35,128 Thanks
    tattycath
    Restless night last night. Up at 6ish.
    DW, WM, TD sorted. Washing folded and put away.
    Got some paperwork sorted too.
    Felt shocking so went back for a nap.
    Feeling marginally better.
    Got more admin for work done.
    Need to go on an errand now and then, on my return I need to set about editing photos, listing and packing business orders.
    GE 36 *MFD December 2027-target 2020
    MFIT-T4 No 106
    EF £100/£2000 - SSF £350
    Mortgage : £5,935/£10,000
    November: £118.00/£200
    November £77.00/£250
    Savercard Christmas savings £150
    19/3/16 = 176lb
    • tattycath
    • By tattycath 27th Oct 16, 7:39 AM
    • 6,643 Posts
    • 35,128 Thanks
    tattycath
    Expensive month this month.
    It's a good job we have an emergency fund as I need to replace a large appliance ASAP.
    lots of photos need editing today.
    I've left it very late to update MFIT-T4.so I need to ring mortgage provider to get a balance. I know I'm in the red but it's a marathon not a sprint.
    Off to drink my tea and write out my 'to do' list.
    GE 36 *MFD December 2027-target 2020
    MFIT-T4 No 106
    EF £100/£2000 - SSF £350
    Mortgage : £5,935/£10,000
    November: £118.00/£200
    November £77.00/£250
    Savercard Christmas savings £150
    19/3/16 = 176lb
    • tattycath
    • By tattycath 28th Oct 16, 8:46 AM
    • 6,643 Posts
    • 35,128 Thanks
    tattycath
    Another day, another dollar...
    Yesterday did not go to plan. so today, I'm working all day to try and catch up.
    GE 36 *MFD December 2027-target 2020
    MFIT-T4 No 106
    EF £100/£2000 - SSF £350
    Mortgage : £5,935/£10,000
    November: £118.00/£200
    November £77.00/£250
    Savercard Christmas savings £150
    19/3/16 = 176lb
    • tattycath
    • By tattycath 29th Oct 16, 4:44 PM
    • 6,643 Posts
    • 35,128 Thanks
    tattycath
    Last few days have been very productive.
    A friend came over and did a DIY job that I couldn't do myself.
    I managed to sort out some stuff last night and sent 3 bags full of stuff to charity today.
    I had to make a purchase on Thursday and saved nearly £200.
    Someone offered to take some large rubbish away but wanted 15 quid for the privilege, so I declined and left it outside and the scrap men took it away for nothing.
    I needed something delivering but it was going to cost me almost 20 quid...so I said could wait an extra day and it only cost a fiver for delivery.
    The man in the shop offered installation at a cost of 20 quid! I told him I could get rid of the rubbish and plug it in myself thanks-saving £20.
    Last night and today I have been industrious. I sorted kitchen cupboards last night and sorted and cleaned all sides down today.
    Just catching up with the washing now.
    GE 36 *MFD December 2027-target 2020
    MFIT-T4 No 106
    EF £100/£2000 - SSF £350
    Mortgage : £5,935/£10,000
    November: £118.00/£200
    November £77.00/£250
    Savercard Christmas savings £150
    19/3/16 = 176lb
    • tattycath
    • By tattycath 29th Oct 16, 11:30 PM
    • 6,643 Posts
    • 35,128 Thanks
    tattycath
    Clocks go back tonight so I'm taking advantage and having an alcoholic beverage.
    GE 36 *MFD December 2027-target 2020
    MFIT-T4 No 106
    EF £100/£2000 - SSF £350
    Mortgage : £5,935/£10,000
    November: £118.00/£200
    November £77.00/£250
    Savercard Christmas savings £150
    19/3/16 = 176lb
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