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  • FIRST POST
    • chumpy45
    • By chumpy45 25th Sep 15, 4:02 PM
    • 313Posts
    • 1,310Thanks
    chumpy45
    Excited to try and be mortgage free
    • #1
    • 25th Sep 15, 4:02 PM
    Excited to try and be mortgage free 25th Sep 15 at 4:02 PM
    Hi all, have been really inspired reading all the posts on this mortgage free forum. Have got DH on board and we really want to try and clear the mortgage in two years. We currently have a property worth abouth £325,000 and an outstanding mortgage balance of £54,780.04 with 7yrs & 6 months left to go. Things are complicated at the moment as DH has been self-employed for the last 6 months which means we are struggling to remortgage. It seems we may have to wait another 6 months before we can reduce our current rate of 2.5% which is a shame and will impact on the overpayments. However, we are busily taking on board advice gained from many of the threads/posts on this forum. Really looking forward to getting stuck into money saving and overpaying and sharing our journey with all you inspirational people.
Page 14
    • Secret Saving Squirrel
    • By Secret Saving Squirrel 30th Mar 17, 9:26 PM
    • 3,829 Posts
    • 35,553 Thanks
    Secret Saving Squirrel
    Have a great break, chumpy. I finish tomorrow lunchtime, so just one more get up!
    Paid off mortgage nine years early in 2013. Now picking and choosing our work to fit in with the rest of our lives!
    Still thrifty though, after all these years
    • chumpy45
    • By chumpy45 2nd Apr 17, 11:06 AM
    • 313 Posts
    • 1,310 Thanks
    chumpy45
    Thanks SSS, it's such a lovely feeling when there is a little break from the constant preparation/marking cycle. Hope you have a good break too.

    The sun is shining this morning and I am hoping to get out in the garden this afternoon. Currently cooking a roast, mum will be round soon and 3 out of 4 DSs home Found 15p when tidying up yesterday which has been put in my coin counting jar. Am trying very hard not to think about DH's lack of employment and just enjoy the day. (However, my MSE brain is whirring around in the background thinking of further ways of cutting back/earning more). Onepoll ticking along nicely. Although it's only 10 or 20p at a time, the surveys are much quicker than YouGov and don't ask me endlessly about my TV viewing. Have had some fun introducing pie charts and bar graphs to my spreadsheet. I have found this to have much more of an impact on me than just the numbers (and quite scary). My target is to have decreasing lines in my graph for petrol and food which always seem to creep above budget despite my best efforts. Must try harder and also keep DH under control (he is a fan of the "quick nip to the shop" for milk and returning with numerous strange and bizarre items, which always scuppers the budget!). Can ring mortgage company on Tuesday and get latest figures to update my sig. Have a lovely day everyone.
    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; 01.10.16 £40,119.5 01.02.17 £36,584.00; 01.04.17 £34,694.71 09.06.17 £32,828.89 MFW Target date Sept 2017;
    • chumpy45
    • By chumpy45 4th Apr 17, 3:39 PM
    • 313 Posts
    • 1,310 Thanks
    chumpy45
    Just won 300 points from YouGov in a a prize drawer, now up to 3850. Getting there very, very slowly

    Contacted the washing machine insurance people as it had broken down. They came out, decided it was too old to be repaired, so it would be replaced free of charge - apart from the £19.99 delivery, the £70 for the remainder of the year's insurance premiums up front, and they wouldn't install it as it is integrated and they didn't want to damage the kitchen units !!!! I am not sure how this translates to "we will replace free of charge" which is what they said on the phone Many cross exchanges later, they dropped the delivery charge but the rest stands including £125 for installation from a local company. Still cheaper than buying another machine from new, but lesson learned - cancel the insurance at renewal ..........

    5 pence found in town this morning. Coin counting jar is slowly filling
    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; 01.10.16 £40,119.5 01.02.17 £36,584.00; 01.04.17 £34,694.71 09.06.17 £32,828.89 MFW Target date Sept 2017;
    • chumpy45
    • By chumpy45 6th Apr 17, 12:45 PM
    • 313 Posts
    • 1,310 Thanks
    chumpy45
    Busy morning so far. Rang mortgage provider and current balance is £34,694.71 and the daily interest has decreased again to £2.20 Need to update my signature. Then I submitted an on-line meter readings to Sainsbobs Energy. I was told to submit them after the 15th of each month but last month I submitted on the 17th and received an email saying it was too late for them to be incorporated! So am trying earlier this month. Does anyone else know which date I should use? Whizzed to HomeBargains to buy some limescale remover to clean up a very disgusting looking en-suite shower. Also picked up a bargain anniversary card whilst there. Back home, have cleaned the bathrooms - very much overdue. I feel our original MF date of Sep 2017 will be out of reach now given that DH has no work atm, but will have to wait and see. It all hinged on a dividend being paid from his company once his new financial year starts in May. Plans a little in limbo. Must start TTing again regularly. OnePoll over £7 and YouGov building nicely after my prize win earlier this week! Just about to have lunch and hopefully head out into the garden in the sunshine. Spring definitely seems to have sprung.

    ETA: Forgot to say went to see Beauty and the Beast last night courtesy of Tesco Clubcard with sweeties from £land. A bargain trip out and absolutely loved it. Am still singing "Be my Guest" (to the amusement of the DSs !)
    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; 01.10.16 £40,119.5 01.02.17 £36,584.00; 01.04.17 £34,694.71 09.06.17 £32,828.89 MFW Target date Sept 2017;
    • hiddenshadow
    • By hiddenshadow 6th Apr 17, 10:50 PM
    • 2,124 Posts
    • 9,561 Thanks
    hiddenshadow
    No idea on the energy - we do ours every month on the 1st and invariably a week or so after I've entered them I get a panicked e-mail saying I have to submit by the 18th of the following month or something. You'd think they'd realise I already did it, and would be doing it again well before their date, but they seem to live in their own universe re: time and schedules.
    MFW: Dec '13 £197,100 / Dec '14 £180,691 / Dec '15 £161,669 / Dec '16 £119,669 / June '17 ££105,686 (£4,186 offset)
    Payment 41/84 / 2017 MFW #56: £13,981/£20,000 69% / MFiT-T4 #15: £53,813/£90,000 59%
    • chumpy45
    • By chumpy45 7th Apr 17, 10:14 PM
    • 313 Posts
    • 1,310 Thanks
    chumpy45
    Thanks HiddenShadow, I will see what happens this month!

    Aldi shop today at just over £82. That's all meals planned for the next week for 5 adults (well, DS4 is 13 but has the appetite of an adult so I am including him) including lunches and the never ending snacks. Probably be a top up of milk and fruit due mid week. I am tracking spends carefully (another line graph inserted into my spreadsheet - go me with my amazing techie skills ). Makes a big difference seeing a visual representation of your spends - makes each spend scarier ! My target is to make sure the lines decrease each month. Have been going over the budgets tonight seeing what else we can cut out as still no job news for DH. He is very despondent this weekend so am trying to remain cheerful and positive. It's not easy though. DS4 needed new school trousers which I have ordered from T*sco at £6. He is growing so tall and I realised his trousers were becoming ankle flappers at the end of last term. I also ordered some jeans for myself from Next which only cost me £2 as I had a birthday voucher - that's the kind of shopping I like Hopefully no more spends over the weekend, just bobbling around in the garden, walks with the dog, and might even drag the BBQ out if the weather holds as promised. Enjoy the weekend everyone.
    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; 01.10.16 £40,119.5 01.02.17 £36,584.00; 01.04.17 £34,694.71 09.06.17 £32,828.89 MFW Target date Sept 2017;
    • EatingTheElephant
    • By EatingTheElephant 8th Apr 17, 7:29 AM
    • 969 Posts
    • 4,937 Thanks
    EatingTheElephant
    Great shopping costs there Chumpy. Fingers crossed something will turn up job-wise soon.
    • chumpy45
    • By chumpy45 10th Apr 17, 3:43 PM
    • 313 Posts
    • 1,310 Thanks
    chumpy45
    Thanks for your good wishes ETE, keeping everything crossed. A few possibles in the pipe line so we shall see.

    No spends over the weekend as we didn't go anywhere! However, a lovely "first of the year" BBQ on Saturday and then watched Pete's Dragon (had to get the tissues out, how sad am I ).

    Will sadly have to cancel our OP before our next mortgage payment goes out. It will be painful to do, but I have to think how lucky we are to have been OPing regularly and be in our current mortgage position. Will also have to reduce our regular saver with FD from the maximum to the minimum and see what else can be dispensed with. A little bit of spreadsheet shenanigans coming up I think.

    No real plans this week. A little bit of marking to catch up on and some decluttering/cleaning/sorting around the house. I know how to enjoy myself
    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; 01.10.16 £40,119.5 01.02.17 £36,584.00; 01.04.17 £34,694.71 09.06.17 £32,828.89 MFW Target date Sept 2017;
    • chumpy45
    • By chumpy45 19th Apr 17, 10:04 AM
    • 313 Posts
    • 1,310 Thanks
    chumpy45
    Soooooo, managed to come down with a horrible lurgy during the second half of the Easter hols. Cough, cold, sinus infection generally feeling meh and completely lacking in energy. So frustrating as had so many plans of things to do in house and garden and spent most days lying on sofa. Hey ho, am of course now feeling a little better now back at work !! Still no work for DH. A few "possibles", but it all takes so long. The person to speak to is always "away" or "back next week", then you have to wait for a certain date blah blah. Don't they realise I am trying to clear this mortgage and can't have my spreadsheets messed with when there is no money coming in lol. Having said that, have worked out what needs to be cancelled/reduced and am waiting until the last possible minute before pay day in case there is a reprieve and I can make normal OP (can always hope). Am investigating extra hours at work, but there seems to be nothing available atm. Need to also take action regarding my weight so that is also now a target. Have a school reunion and two weddings coming up so need to do something drastic. I do so love my chocolate though so its very hard atm as the DSs have Easter Eggs everywhere Car failed MOT yesterday nothing too major, so is being fixed and re-tested today hopefully. Have a couple of long journeys at the end of the week so really need it back. However, car fund money is available so hopefully shouldn't be too painful. Hope everyone had a good Easter. Need to catch up on diaries now.
    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; 01.10.16 £40,119.5 01.02.17 £36,584.00; 01.04.17 £34,694.71 09.06.17 £32,828.89 MFW Target date Sept 2017;
    • chumpy45
    • By chumpy45 20th Apr 17, 9:17 PM
    • 313 Posts
    • 1,310 Thanks
    chumpy45
    Car cost just over £200 including the MOT, which I suppose in the scheme of things is not too bad. Can take from my car fund which will deplete it somewhat but thankfully means it won't be too painful and I won't have to use EF. NSD today as teaching off site where there are limited facilities so can't really spend anything even if I want to !! Trip to Brighton coming up at the weekend to see the Uni with DS3. I hope the sun is shining as I might get a paddle Lots of preparation required for next week as well as some marking too. You soon know you are back at work. Not sure how everything will be fitted in as also have to sort out DS4's birthday which is on Tuesday. Present ordered via TCB and need to collect tomorrow after big food shop and housework. On the countdown to payday and money shuffle next week now.
    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; 01.10.16 £40,119.5 01.02.17 £36,584.00; 01.04.17 £34,694.71 09.06.17 £32,828.89 MFW Target date Sept 2017;
    • chumpy45
    • By chumpy45 22nd Apr 17, 4:07 PM
    • 313 Posts
    • 1,310 Thanks
    chumpy45
    So, didn't feel well enough for trip to Brighton sadly, so DH took over that journey. I supported DS4 who had auditions for a show locally. Dosed up on Sudafed and had a chat with a couple of the other mums. About all I was up for today. Popped into town and quickly collected DS4's pressie and bought a card as won't have time next week once back at work. Couldn't resist an extra little pressie which was a little naughty but am sure DS4 will love it. Justified it to myself as received some TCB on his main pressie so free really No real money news, just waiting for payday next week. DH has an interview on Wednesday which I am hoping will be successful and then I might just sneakily manage to make our usual OP. However, don't want to count my chickens ...... so will wait and see. Enjoy the weekend everyone, the sun is shining here.
    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; 01.10.16 £40,119.5 01.02.17 £36,584.00; 01.04.17 £34,694.71 09.06.17 £32,828.89 MFW Target date Sept 2017;
    • chumpy45
    • By chumpy45 5th May 17, 12:25 PM
    • 313 Posts
    • 1,310 Thanks
    chumpy45
    So, I have been out of action for a while as just couldn't shake off the dreaded lurgy. Finally, beginning to feel a little more human like. The exciting news is that DH has a new job We did manage to survive the three months whilst still making planned OPs but it does mean other savings pots have taken a bit of a hit. The main implication is that the money ear marked in DH's business account which we were going to use for a big one off payment on the mortgage has now gone The consequence of this is we will not be able to make our MFW target date of Sept this year. However, things could have been much, much worse and I am really thankful we have made changes since finding this forum which meant our financial situation was relatively healthy.

    New job starts next week so we can move forward with new targets and plans. My first plan is to commence AVCs with my company pension and I will be ringing them shortly with a few queries. Given my age (55 ) this is really an urgent task to research and I am seriously considering reducing the OP to fund this. I keep reading about FIRE on various diaries and wonder whether we can find a better balance between OP/savings/pension. Definitely food for thought.

    Weekly shop just came in at £78 which I am pleased with. Will have to rethink the food budget for the summer months as two of the DSs will have finished Uni and be returning to the nest. Lovely but at the same time.

    In other money news, have just received new Water bill which has reduced by £20/month (my frugal ways must be beginning to rub off on the rest of the family). Also, received £1.79 from TCB. Every little helps.

    Sorry, this has turned into an essay. Will go and hang out the washing as it it a glorious sunny and blowy day. Then off to do battle with the Teacher Pension people. Wish me luck !
    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; 01.10.16 £40,119.5 01.02.17 £36,584.00; 01.04.17 £34,694.71 09.06.17 £32,828.89 MFW Target date Sept 2017;
    • greent
    • By greent 6th May 17, 4:36 PM
    • 5,869 Posts
    • 59,342 Thanks
    greent
    Yay! - great news about DH and a new job! x
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 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
    Next: BTL Mtge 12/16 £69786. 2017 OPs (#18) £3000/£3286
    Net sales 2017 £657.00/£500 PAYDOX17 £9887/£10k Decluttered 865/2017 items
    • chumpy45
    • By chumpy45 7th May 17, 8:46 PM
    • 313 Posts
    • 1,310 Thanks
    chumpy45
    Thanks GreenT, relief all round, can hopefully take a big breath and re-group now !

    Have been investigating AVCs with the TPA and am in a quandry. I am very risk averse having had a bad experience in the '90s with an investment which lost a lot of money. At my age I am wondering if I would be better off saving in a regular saver for instance which could pay 5% interest. As the regular saver matures, I will transfer to the highest paying account I can find at the time. Santander123 has a linked regular saver into which I could pay £200/month. I know I could potentially make much more than this by investing, but I could also potentially lose a lot more With some re-juggling, we can just about free up £200 towards this project. Should I perhaps consider £100/month into a regular saver and £100/month into an AVC with a low risk option fund? Any thoughts would be very much appreciated.

    I know there is a separate pensions boards, but they all look a little scary, and I thought some of you lovely MFW peeps might have some ideas ?

    Right, off to pack my bag for tomorrow ...
    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; 01.10.16 £40,119.5 01.02.17 £36,584.00; 01.04.17 £34,694.71 09.06.17 £32,828.89 MFW Target date Sept 2017;
    • atypicalblonde
    • By atypicalblonde 7th May 17, 9:17 PM
    • 2,182 Posts
    • 12,580 Thanks
    atypicalblonde
    Huge congratulations to your DH! Your diary is a fab, inspiring read. No pensions advice I'm afraid, just a huge pat on the back for how fabulously you are doing.

    You'll be MF in no time
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 5.6.17 - £123,900
    Aiming to be MF 1.10.2020
    • chumpy45
    • By chumpy45 8th May 17, 6:06 PM
    • 313 Posts
    • 1,310 Thanks
    chumpy45
    Aw thanks ATB for your kind comments, what a lovely thing to say. Thanks you so much for following my mumblings. I seem to post in stops and starts but I am always plodding away behind the scenes ! This forum is just so supportive.


    Well, yesterday alongside my AVC ponderings, I compiled a long list of refurbishment jobs which require completing on the house (much to DH's horror). One of the jobs was to re-stain the two sheds (which DS3 can complete - I'm all for a bit of child labour to avoid costs ). I used TCB and click and collect and picked up two tins for £30 on special offer at B&Q. I then advertised for sale a boy's bike which DS4 had outgrown and the trampoline which is no longer used, on our staff intranet (which is rapidly becoming a mini selling site) and came home today with £45 in my hand and a smug look on my face Paint/stain is paid for with £15 going towards funding the next item on the list and shed and garden are a little more de-cluttered. I think that could be described as a "win win" situation lol.
    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; 01.10.16 £40,119.5 01.02.17 £36,584.00; 01.04.17 £34,694.71 09.06.17 £32,828.89 MFW Target date Sept 2017;
    • chumpy45
    • By chumpy45 9th May 17, 4:10 PM
    • 313 Posts
    • 1,310 Thanks
    chumpy45
    Mad day at work. Only went in to do some interviews at 10.00 a.m. and didn't get home until 3.00 p.m. Not sure how that happened. A quick login to OnePoll and the balance is at £9.90 - getting there slowly but surely. YouGov is just over 4000 points, so creeping painfully to the finish.

    Am contacting various people for prices for the refurbishment plans. We are thinking of replacing the cupboard doors in the kitchen rather than a whole kitchen refit. Does anyone have any experience of this? The tiles for both kitchen and bathroom can hopefully be funded by Te*co points via Topps Tiles as I have a little hoard built up. We would also like to replace the bannisters with spindles rather than the ugly 70s look that we have going on at the moment. Once the numbers are in, we can make a plan. Am still looking around for things to sell to help fund the work. We also have a bath with no panel which is not really the luxurious bath time experience you dream of would be good to get that fixed.

    Found 5p at work which has entered my counting coin jar and that's about it for today. Have a good evening.
    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; 01.10.16 £40,119.5 01.02.17 £36,584.00; 01.04.17 £34,694.71 09.06.17 £32,828.89 MFW Target date Sept 2017;
    • chumpy45
    • By chumpy45 10th May 17, 5:30 PM
    • 313 Posts
    • 1,310 Thanks
    chumpy45
    Just lovely to see the sun today. I managed a quick 30 minute sit in the garden with a cup of tea which was very restorative. NSD today, although I am planning to meet a friend for a quick drink tonight. However, that comes from my personal spends so doesn't count in my book. Continuing my pension investigation following some help from a lovely member of this forum for which I am very grateful. Did some overtime at work this morning but can only claim TOIL instead of real money which is a little disappointing. However, can use the time during the May half term which will be useful. Right, better go and sort dinner out for the returning hoardes - they will be hungry ....
    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; 01.10.16 £40,119.5 01.02.17 £36,584.00; 01.04.17 £34,694.71 09.06.17 £32,828.89 MFW Target date Sept 2017;
    • chumpy45
    • By chumpy45 13th May 17, 12:28 PM
    • 313 Posts
    • 1,310 Thanks
    chumpy45
    I washed all the bedding this morning, so of course the sunshine disappeared and was replaced with grey skies and rain I decided to have a cuppa instead and update some figures relating to our current savings position. I have been reading up on lots of diaries about FIRE and want to try and work on this as well as OPs. Although I have probably left it too late to Retire Early, I would at least like some Financial Independence in my retirement and that is what I am focusing on at the moment. So the scores on the doors read as follows;

    FD Regular Saver £2100/£3600 (Uni support for DS1, 2 & 3)
    FD Cash Isa £1982 (bills account)
    Emergency Fund £4983/£5000
    FIRE Account £ 100/£10000 (opened today )
    JISA £3892 (Uni fund for DS4 – 4 years to go)

    On top of this, DH has a personal pension, I have some deferred pension benefits from a previous employer and currently pay into the TPA. I opened the FIRE regular savings account this morning, and hope to gradually increase the contributions.

    DS1 and DS2 leave Uni this year, but DS3 starts in September. The plan is that as DS3 finishes in 3 years time, increased funds can be redirected towards FIRE. The JISA is intended for DS4 as because of our increased awareness of MSE through this site, we are planning in advance for him !!!! Don’t get me started on the “if onlys”

    Overall, I am aware we are very lucky to be in this position with our mortgage also close to being paid off. However, we could (and should) be much further forward with FIRE. But… we can’t change the past, only the future and that is what we are focused on now. Any thoughts or tips will be much appreciated.

    Sorry, this has turned into an essay. Good news is that whilst writing the sun has reappeared so can hang out the washing after all (I am easily pleased ). Have a good weekend everyone.
    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; 01.10.16 £40,119.5 01.02.17 £36,584.00; 01.04.17 £34,694.71 09.06.17 £32,828.89 MFW Target date Sept 2017;
    • hiddenshadow
    • By hiddenshadow 13th May 17, 12:35 PM
    • 2,124 Posts
    • 9,561 Thanks
    hiddenshadow
    Sounds like a solid plan.
    MFW: Dec '13 £197,100 / Dec '14 £180,691 / Dec '15 £161,669 / Dec '16 £119,669 / June '17 ££105,686 (£4,186 offset)
    Payment 41/84 / 2017 MFW #56: £13,981/£20,000 69% / MFiT-T4 #15: £53,813/£90,000 59%
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