Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • Moneyfordreams
    • By Moneyfordreams 5th Nov 15, 11:32 AM
    • 827Posts
    • 3,947Thanks
    Moneyfordreams
    In the nick of time
    • #1
    • 5th Nov 15, 11:32 AM
    In the nick of time 5th Nov 15 at 11:32 AM
    Hello,
    I been reading debt free diaries and mortgage free diaries since the summer and I have been hugely inspired and reassured my dreams are achievable.

    My husband was significantly in debt until 2 1/2 years ago through a failing business during the recession. Due to having equity in our home I was able (had to) to re-mortgage and pay off the debts. that's the simple version anyway.

    During the time when my husbands income was negligible we had a lodger. Unfortunately those basement rooms require about 5K worth of work and are currently unlettable. I hope either to save this money by the spring, or maybe withdraw some capital from my husbands small pensions. He gets about £200 pcm plus £800 wage. He has his own debt to pay until June next year, then I gain £120 to go towards the mortgage.

    I have a fairly good job and have always worked extra hours. My husband is working in a job on minimum wage. After many money related traumas and battles our relationship is fantastic.

    My aim is to retire at 55 if I can. I am going to go hell for leather to make this happen. We trimmed our expenses years ago. We have the occasional slip up and overspend in fact this year has been an overspend on some big items whist shopping at lld1.

    We have recently registered with airbnb to increase our income and may soon break even from initial outlay.

    Total debt including Mortgage £194930.oo

    Mortgage £183240.00 / £1020 pcm 19yrs currently OP £100 (£1120)
    Car loan £5330 / £208 pcm. 2 1/2 years left.
    HSBC CC 0% £5600 / £150 pcm ( I wanted to build an EF so a bit over minimum for now )
    Nationwide CC £760 recent trip & Airbnb room upgrade (will pay off this month hopefully)

    Savings
    ISA £1800
    Xmas fund £300
    Rainy day £200
    instant access £100
    CB £160

    owed in
    selling tumble dryer £30
    Family loan £100
    Airbnb £ 121

    This year we have failed to sell our house which we bought for £250K, 10 years ago. There is no appreciation in value We have had a new bathroom fitted and patio doors to the kitchen. We also had a family emergency in Spain hence a further £2K on CC.

    Looking at the mortgage calculators and snowballing methods I can have this paid off in a 10 year time frame. Ideally I want to be mortgage free, but I suppose being debt free would be a better place to start.

    Short term goals
    £165k by xmas (normal OP +lodger get us to £165930) actual £166k
    Under £160k by June 2017 to achieve <60% LTV
    Under £150k by December 2017 (pushing it )

    KEY DATES
    Mortgage £200 k February 2013
    re mortgage June 2015 (dithered as really wanted to sell)
    Found MSE Forums summer 2015
    January 2016, debt and mortgage £192k
    January 2017 debt and mortgage £171k (166k +£5k
    Can access work pension 2025 (55 years)
    Have very small £2k private pension to close 2025
    DH state pension 2026, plus current pension of £200 pcm
    DH shares can be accessed from June 17, but aim to cash them 2025
    my state pension 2037
    Official mortgage end, 2038. then 2034

    Op's 2016 R/T
    January £492.00 = £492
    February £820.38 = £1312.38
    March £676.46 = £1988.84
    April £723.83 = £2712.67
    May £679.92 = £3392.59
    June £728.61 = £4121.20
    July £634.48 = £4755.68
    August £442.93 = £5198.61
    September £590.51 = £5789.12
    October £1007.28 = £6796.40
    November £365.53 = £7161.93
    December £171,64 £7333.57

    2nd January 2017 total £166200
    January. £440
    February £169.11
    March £275.69= 884.80
    April £305.39 = £1190.19
    May £103.06 = £1293.25
    June £192.91 = £1486.16




    http://www.whatsthecost.com/snowball.aspx
    Last edited by Moneyfordreams; 03-06-2017 at 9:34 PM. Reason: to add link
Page 24
    • brizzledfw
    • By brizzledfw 19th Mar 17, 6:30 PM
    • 6,849 Posts
    • 32,935 Thanks
    brizzledfw
    A small chink of light in what seems like a pretty dire few weeks..feel for you MfD..this must be so hard for all of you especially when given the family history. Look after yourself and breathe when you can..can you dig out that swimming pool (I know its only March..but even so...)
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    June '17 Savings Rate Goal: 25% [May 30%]
    Declutter 50 items before 30.06.17 139/50 ** LSDs Target 5 for June 05/05 **AFDs 13/20 ** Sales Target '17 £750 £110 so far
    **NSDs Target 5 for June 03/05
    • Moneyfordreams
    • By Moneyfordreams 22nd Mar 17, 1:01 PM
    • 827 Posts
    • 3,947 Thanks
    Moneyfordreams
    Brrrrr not blooming likely Brizzle...

    Having a coffee this afternoon with a friend... and boy I don't feel like going. I'm currently lazing on the sofa. But need to wash my hair and shake my tail feathers so to speak.

    Tomorrow is memory clinic day for mother. We have been waiting so long for this appointment and we didn't think we would get her there, so a minor miracle really. This week she's thinking it's the 1950's and waiting for my grandmother to come home. She died 20 years ago and would be 118 now

    OH's birthday Friday. He wants fish and chips at H@rry R@msdens and a few pints. I'm paying his bowling subs for the year too £65. The local bowling club were he is a member has been men only since 1851. They have one ladies day a year!! grrrrrr. Last weeks AGM has voted in lady members, I know I'm clapping, but I won't be joining just yet. I'm far too busy.... but nice to know that I could
    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 £161400
    h@lifax CC £4700 0% until May 2018.. will pay minimum for now, slow stooze
    xmas, chairs, hoover, computer and holiday [STRIKE}clothes[STRIKE] DD1 cc
    • Moneyfordreams
    • By Moneyfordreams 25th Mar 17, 2:37 PM
    • 827 Posts
    • 3,947 Thanks
    Moneyfordreams
    Spent far to much money yesterday, but at least oh had a lovely birthday.

    Mother has packed her clothes to give to her mother. she was furious at being told she was 85. She thinks she's 40
    She's ranting about her missing bank card, my cranky sister took it for protection as she was giving too much money away. Like £900 October and November , £750 in January and February. Who to and what for is unknown.
    Her steroids stop on Monday. After that we expect another dip in health. I hope things happen quickly. The person my mother was isn't there anymore, this is very undignified for her
    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 £161400
    h@lifax CC £4700 0% until May 2018.. will pay minimum for now, slow stooze
    xmas, chairs, hoover, computer and holiday [STRIKE}clothes[STRIKE] DD1 cc
    • greent
    • By greent 25th Mar 17, 5:01 PM
    • 5,873 Posts
    • 59,389 Thanks
    greent
    How upsetting for you all, mfd - hang on in there 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
    • newgirly
    • By newgirly 25th Mar 17, 6:03 PM
    • 5,649 Posts
    • 38,735 Thanks
    newgirly
    Best wishes mfd x
    MFW 21
    Target for 2017 £38,545 / £10,784 paid so far

    Mortgage £49,452 4 years 10 months left. Total owed £69,512 planning to clear in 18 months
    Weightwatchers target - 29.5 lb start date 11/5/17 so far 8.5lb lost
    • TallGirl
    • By TallGirl 26th Mar 17, 7:31 PM
    • 4,059 Posts
    • 8,409 Thanks
    TallGirl
    Hi Moneyfordreams just read your entire diary wow what a journey. Really interested in your airbnb something that is part of my retirement plan. Coincidently I'm also looking to retire at 55 dor me it's just over 8 years away. Really interesting how your one is working out seems like a lot of work but you get a lot of bookings which must be great.

    Sorry about your mum sounds like it's not going to improve she's lucky she's got you all to look after you. Your two DDs sounds lovely reading it all in one go you can really see how they are growing up. Anyway enough waffle will subscribe now and good luck with clearing it all.
    Save £12k in 17 no 93
    £2750/£12k
    • Moneyfordreams
    • By Moneyfordreams 30th Mar 17, 11:01 AM
    • 827 Posts
    • 3,947 Thanks
    Moneyfordreams
    thanks tall girl, I've read your diaries too.... well the 2 recent ones... I feel honoured that a seasoned MSEr has commented on my diary

    Airbnb has been really successful for us... TBH I have a bit of a love hate relationship with it... , mind you my lodger is a bit of a pain in the butt at times. It doesn't give us too much intrusion and we can pick and choose when we block out time for us. My husband seems to have fell into the lead cleaner/bed maker which is great. It has improved the earning balance in our relationship, and I've noticed I'm not hung up anymore about our past losses.

    Pay day today... I'm waiting for mortgage day to see what OP's to make. Have paid £600 off holiday T
    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 £161400
    h@lifax CC £4700 0% until May 2018.. will pay minimum for now, slow stooze
    xmas, chairs, hoover, computer and holiday [STRIKE}clothes[STRIKE] DD1 cc
    • Moneyfordreams
    • By Moneyfordreams 1st Apr 17, 4:27 PM
    • 827 Posts
    • 3,947 Thanks
    Moneyfordreams
    OH pay only £625 this month
    No room for extras from him. I've given him his allowance as I still need to keep him sweet

    bnb bookings still good,

    lodger has worked away last week... he has told me he has cancelled his HBenefit so that means he is £230 in arrears come Monday. He arrived back yesterday but I've not yet seen him... my spies tell me he was in the pub last night. I want this ASAP as he told me he was back to weekly pay.

    Daily interest £10.51 ... This weeks plan is to go to work to pick up pay slips, then apply to FD for new mortgage. Think over 5 years, hopefully with a <60% LTV (59% ). H'lifax has our house worth about £40k more than I'd get My deal runs out 31st July, so planning ahead.

    Potentially resume work a week Monday. I'm flipping from longer time off to returning on an minute by minute . My returning is dependent on mothers chest remaining stable. It is still bad, but it's the best it's been all year!! This will read badly but if she deteriorates I can justify more time off without hesitation. The problem we are facing is her poor mobility, unsteady and falls risk and her memory.... she can't remember her sticks, or her lack of ability, and her desire to look for her mother and her babies... we are reassuring her or telling her that her mother died over 20 years ago probably half hrly, leading to sobbing and anger. Only 2 months ago her focus was my dad who died 11 years ago. Therefore we believe she needs 24 supervision. she is eating tiny meals about 5 times a day, but still 8 stone. This time last year she was fine and dandy..

    Family issues.. brother 1- 4 each unreliable in there own way and only 2 are local. Did write comprehensive list but deleted it
    sister 1 lives and works in Dubai, has returned as always said she will look after mum, however she can't afford to. Has £100k to find for mortgage in 7 years. She won't earn that much in UK. She will potentially return to work WC 17/04
    Sister 2 her own health problems and I don't speak to her. She doesn't speak to sister 1 either. She hasn't been around much. word today from sister 3 is she's doing up a property to let so she can give up work to look after mum. This has been in process for about 15 years. So when, where and how are missing.
    sister 3 lives and works in Surrey, can and has worked from home but travels UK for work and meetings. She been her a lot lately and work has been kind to her, however it is getting busier for her.

    Mum has about £10k in cash, and about £95k in home equity (mortgage is £17k). About 2 years ago mum had a wobble on her finances. She asked for brother 1's help..... lord knows why... he phoned us all and said mum would be evicted. I sorted it... phoned the mortgage company, her mortgage would continue to run until she would be 95 at interest only. So no problem at all.... I did at that point get all of the bumf for an LPA, lasting power of attorney, but mum said "noooooooooooo I won't be needing that"

    So.... guess who needs an LPA?...... We will have to go to a IMCA if her care/carer needs are to be covered.. We all know her bank number, so it wasn't a trust issue, it was a keeping control issue, that now will be lost to a stranger.

    Sister 3 is with her today , tonight and morning, not sure about tomorrow. I'm hoping Sister 1 will be back after her 1 day off. then I will take over Monday day then Tuesday to Saturday 24/5. will rope in OH and DD's I hope. and Hopefully make brother 1 do more than play her a song for half and and fleece her of £20!!

    Once all focus is off mother I will be sorting out a living will for myself as well as sorting my last will and testament. I will also as soon as financially able put whatever house I own in trust for our daughters. And quite probably an LPA too , with OH, DD1 and DD2.
    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 £161400
    h@lifax CC £4700 0% until May 2018.. will pay minimum for now, slow stooze
    xmas, chairs, hoover, computer and holiday [STRIKE}clothes[STRIKE] DD1 cc
    • Moneyfordreams
    • By Moneyfordreams 2nd Apr 17, 4:39 PM
    • 827 Posts
    • 3,947 Thanks
    Moneyfordreams
    I've had a lovely day,

    Went to work to pick up payslips and rota to see if normal life can be resumed.... still not sure, so won't make decision yet.

    I'm wondering If on the better staffed weeks I would take extra AL, it would help... but my rota does not support my sister working mon to fri and me on her days off. However me looking after mum 4 or 5 days a week would still require a night/day sitter when I am not.. so who's employment is more important ??? suppose it's neither as mum is the important one

    Then a visit to a local farmers market... I think they visit a local school monthly or so... £27 spent in 5 minutes..... swift exit
    had meat samosa for breakfast, lunch oak smoked cheddar on a country loaf, dinner will be sweet chilli pork pie with saut!ed potatoes and a bottle of lid! chenin blanc to finish off.

    Lovely visit to a local lighthouse, £2 per adult... we only had £3.69 in cash so they took that forgot I didn't like heights after climbing the 7 flights of spiral staircase I was a touch giddy.

    Any how.... I was all ready to apply for FD mortgage 5 year fixed at 1.94% when I doubled checked h@lifax who is my current lender, they have a 2 year fix at 1.74%. I did want the stability of the 5 year fix and the 0% ERC... so I've paused... think I'll get to it tomorrow. my deal is up in July so can't change the Hx one until next month, whereas I can lock in (if accepted) the FD one now... also as I apply on my income alone, next months pay will be rubbish as not enhancements for march will be added.

    I really do need to stop spending, since the end of last year I've just spent whatever I want... I really do need to tighten up the reigns again.
    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 £161400
    h@lifax CC £4700 0% until May 2018.. will pay minimum for now, slow stooze
    xmas, chairs, hoover, computer and holiday [STRIKE}clothes[STRIKE] DD1 cc
    • Moneyfordreams
    • By Moneyfordreams 5th Apr 17, 10:28 AM
    • 827 Posts
    • 3,947 Thanks
    Moneyfordreams
    2 night guests just gone , OH has been working hard at meet, great and cleaning. I am the money person after all

    but , h3ll, that man could snore and has kept me awake for 2 nights... new guest tonight. OH is already at the bed making

    OP to mortgage this month £305.39. will leave it at that for the month, £163000k outstanding
    CC is a priority to pay off and WILL be gone with all months house money (£275 paid yesterday)
    lodger coughed up... I've increased our sky go to include him, so he's added the extra fiver too

    Then Aprils salary will be able to OP mortgage as previous plans.. to make the 8 year goal.. OP's should be £800. 'm hoping to have a few good months to gain some time back.

    I still need to do my mortgage, however dd1 has mortgage advice meeting with her bank on Tuesday. They may laugh her right out of the park so to speak. Her income is minimum wage part-time plus commission (senior stylist), child tax credits and child maintenance, but at least she will know what to aim for. I did read about spring board mortgages... too good to be true??? we will see as her meeting is not with b@rclays.
    I
    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 £161400
    h@lifax CC £4700 0% until May 2018.. will pay minimum for now, slow stooze
    xmas, chairs, hoover, computer and holiday [STRIKE}clothes[STRIKE] DD1 cc
    • Moneyfordreams
    • By Moneyfordreams 9th Apr 17, 10:17 AM
    • 827 Posts
    • 3,947 Thanks
    Moneyfordreams
    If I ignore what me and OH spent yesterday we've had a good week ..... at least OH won on his bet!!

    Found some missing savings of mothers... sister 2 was convinced she'd given them to my brother... Thankfully mum was able to give permission for security and they've sent a statement, she also gave permission for me to go joint bank account , although I've had a change of heart there. .... The community matron thinks we may still have a chance with an LPA... so I've left partially completed forms at the house and will get a call when the witness is there. I got rid of my printer when I bought my new laptop in December. So off to the library I went... £3.52 to print off the forms

    I'm back to work next week, then the real juggling will begin. as mums savings are limited, she has an £8k funeral fund, I think she should spend it on living.... well at least half of it.. So we've set up a 50-50 plan.... me sleep there half the week and my sister 2 the other half...(that email was a challenge ) each fitting in with our working patterns... brother 1 will be around 5 afternoons a week... and in the mornings when we have no one free we will have to get a carer... my sister 3 will come alternate weekends and sister 1 will return to the middle east. We have a couple of people in mind to slot in as carer. There is an end of life benefit that I forgot about. This should cover any care required, so I've started the ball rolling there.

    DD2 has a really nasty bout of tonsillitis it's her 6th day of struggling. As she's a student she doesn't get free prescriptions, so £14 odd in pharmacy with her still being in pain at least yesterday she was able enough to double up on antibiotics.
    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 £161400
    h@lifax CC £4700 0% until May 2018.. will pay minimum for now, slow stooze
    xmas, chairs, hoover, computer and holiday [STRIKE}clothes[STRIKE] DD1 cc
    • brizzledfw
    • By brizzledfw 9th Apr 17, 12:50 PM
    • 6,849 Posts
    • 32,935 Thanks
    brizzledfw
    Oh blimey MfD. How the hell you are coping with reducing mortgages and ABnB clients when you're on the double shifts caring for your mum is beyond me. You're amazing. Really hope you get the LPA. I sorted out wills late last year and those are next on my list. Partly to goad my elderly parents into finishing theirs. They have an old style bank account/ property ones out to my sister and me but nothing about EoL or care. Just don't want to think about it, want to stay in their house and have carers come in. But see that being too fragile if I am honest. They live in a rural area with no public transport and I think we need them closer to care than we can do and something that doesn't require a PA or three to manage the interconnections..

    Anyhow...we have asked them to come up with some plans by June...we will see if they can manage that.

    Have a good rest of the weekend and look forward to that holiday!!
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    June '17 Savings Rate Goal: 25% [May 30%]
    Declutter 50 items before 30.06.17 139/50 ** LSDs Target 5 for June 05/05 **AFDs 13/20 ** Sales Target '17 £750 £110 so far
    **NSDs Target 5 for June 03/05
    • Moneyfordreams
    • By Moneyfordreams 11th Apr 17, 7:40 PM
    • 827 Posts
    • 3,947 Thanks
    Moneyfordreams
    I have a wonderful (expensive ) husband... he's an amazing support and well worth the effort.

    Mum a little more drowsy this week... still getting about the house , a little too much at times.

    DD2 tonsillitis worsened so I took her to hospital.. she' s there for a 2nd night IV meds , steroids and trying to increase her fluids.. She looks so much better though

    DD1 has been to see her bank... they have done a soft credit search but said she can have £82700 over 25 years I'm so happy for her. However she needs £5k deposit. scratchy chin time... I don't particularly want to use all of our savings in whatever form they are... I've suggested a mortgage broker to see if a 100% mortgage would be an option... otherwise we might have to stop our overpayments for a short while.

    Now I must sort my remortgage out tomorrow
    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 £161400
    h@lifax CC £4700 0% until May 2018.. will pay minimum for now, slow stooze
    xmas, chairs, hoover, computer and holiday [STRIKE}clothes[STRIKE] DD1 cc
    • brizzledfw
    • By brizzledfw 17th Apr 17, 10:05 PM
    • 6,849 Posts
    • 32,935 Thanks
    brizzledfw
    How's it going?

    Xx
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    June '17 Savings Rate Goal: 25% [May 30%]
    Declutter 50 items before 30.06.17 139/50 ** LSDs Target 5 for June 05/05 **AFDs 13/20 ** Sales Target '17 £750 £110 so far
    **NSDs Target 5 for June 03/05
    • Moneyfordreams
    • By Moneyfordreams 20th Apr 17, 7:00 PM
    • 827 Posts
    • 3,947 Thanks
    Moneyfordreams
    Hi Brizzle, thanks for popping by... Erm What day is it ? I feel like my mother!!

    The week is flying by, I worked long day easter monday.... nice busy shift.. nothing too challenging. Back to mums Tuesday..... few harsh words with my sister she is trying to micro manage rotas when she's leaving the country... all resolved now... although shes paid my eldest brother £250 for 10 mum shifts... cash off her CC .... her next breath she can't afford to replace her missing passport, but has to as she works in Dubai, and she's lost £11k income this year, she's blaming being with mum has left her unable to perform medical checks and collecting new passport!!! She doesn't get dressed until 4pm... I've been there everyday for months . I don't know how she holds a job!!! "FACEPALM"......

    Think my stress levels rise due to repeating the same conversation to each other without resolution!! It's like a hamster wheel... round and round we go.. Rotas emailed to whoever needs it's a bit daunting, but If sister 2 wants to take mum to live with her end of June , I may not object at this point

    I've started the ball rolling with applying for 5 yr FD mortgage... have to send the expected payslips and bank account statements, however they have asked for a letter of consent.. mmmm to ensure my husband doesn't have claim on the property in the event of non payment. That will be a tomorrow job. FD said it will come from Halif@x.. if not a solicitor .... maybe a 2 year fix with Halif@x may just happen.

    Today's jobs completed... DS1500 form sent to pensions, I do hope we get this through, as we will need this for night time care... Mums noturnal activities will put our working days at risk.. she fell 2 nights ago..... ( after she had a sleeping tablet ) thankfully she has no injury or recollection.

    The med equip was not suitable today,,,, the door sensor would have alarmed each time a family member left the house and not able to turn it off... they didn't bring the light sensor that we really wanted..... So little @mazon search results in motion sensor chime to alert us to movement and a motion sensor light with 2 settings... £22 in total. Last night I tied a xmas decoration to the commode and put it flush with the bed. Each time she moved I heard the clank against the metal.

    My twin has been working from here the last few days, so i've not been isolated... but an extra tea and coffee to make
    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 £161400
    h@lifax CC £4700 0% until May 2018.. will pay minimum for now, slow stooze
    xmas, chairs, hoover, computer and holiday [STRIKE}clothes[STRIKE] DD1 cc
    • Moneyfordreams
    • By Moneyfordreams 20th Apr 17, 7:01 PM
    • 827 Posts
    • 3,947 Thanks
    Moneyfordreams
    OMG ...... all those faces on above post..... I'm not that sad
    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 £161400
    h@lifax CC £4700 0% until May 2018.. will pay minimum for now, slow stooze
    xmas, chairs, hoover, computer and holiday [STRIKE}clothes[STRIKE] DD1 cc
    • Moneyfordreams
    • By Moneyfordreams 21st Apr 17, 12:17 PM
    • 827 Posts
    • 3,947 Thanks
    Moneyfordreams
    So sleeping tablets for mother have not been a success, she's still up many times a night... but high risk of falls as so unsteady... another stumble last night .... No more of those for her .. Her mind is playing nasty tricks on her this morning, very black, her mother and brothers saved her (she is talking as if it is real time) She wrote an Easter card for her mother yesterday... I'm sure she thinks we are keeping her prisoner. I'm home this afternoon until Monday morning

    Anyhow MSE, paid pulse surveys have been plentiful this week. I must have had another £3 off them. I could take £5 pay out now but will wait I think. I have been getting around £10 per quarter as mother said last week.. "well that's your xmas dinner sorted". It's a shame you have so many unpaid ones, however they are very quick to complete, 3 questions usually.

    I have about £75 left until pay day next week. I don't want to dip into savings so I best meal plan over the weekend and take a freezer inventory. I don't think I've looked in there for weeks I was naughty this week and gave my OH the CC to take DD2 back to uni. that increased the amount by more than £100. We have and @bnb booking tonight, nut have had tmrw nights guest just cancel.

    This afternoon there is a little gathering of my old work colleagues... someone has returned from across the pond to visit... I can't suck in a dress size so I'll just have to plaster a big smile on
    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 £161400
    h@lifax CC £4700 0% until May 2018.. will pay minimum for now, slow stooze
    xmas, chairs, hoover, computer and holiday [STRIKE}clothes[STRIKE] DD1 cc
    • Moneyfordreams
    • By Moneyfordreams 22nd Apr 17, 9:33 AM
    • 827 Posts
    • 3,947 Thanks
    Moneyfordreams
    off to see lovely cheap houses for dd2 . this were I can dream of being mortgage free by downsizing
    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 £161400
    h@lifax CC £4700 0% until May 2018.. will pay minimum for now, slow stooze
    xmas, chairs, hoover, computer and holiday [STRIKE}clothes[STRIKE] DD1 cc
    • brizzledfw
    • By brizzledfw 22nd Apr 17, 9:48 AM
    • 6,849 Posts
    • 32,935 Thanks
    brizzledfw
    Good to hear you're surviving but boy this is hard work for you all. Siblings hey.they can be weird that's true. Downsizing does sound less dramatic than emigrating!

    Talk of increased interest rates is making me think that I should be OP'g again, but think need to focus on old and new debt first.

    Have a good weekend

    X
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    June '17 Savings Rate Goal: 25% [May 30%]
    Declutter 50 items before 30.06.17 139/50 ** LSDs Target 5 for June 05/05 **AFDs 13/20 ** Sales Target '17 £750 £110 so far
    **NSDs Target 5 for June 03/05
    • Moneyfordreams
    • By Moneyfordreams 22nd Apr 17, 6:06 PM
    • 827 Posts
    • 3,947 Thanks
    Moneyfordreams
    I feel quite emotional today. Who knows what the future will bring. We went to see 3 houses, first was glorious and I think under priced.. guided 90-100k. My dd1 has a budget of 87.5k. Second people never turned up at the house. Third was dirty. Smelly. And tenanted. Photos must have been 6 years old !!!!!

    OH shares won't mature until June or July .. to secure house I have said I will get a loan.
    hopefully a he.fax one like last time that I can pay back when shares mature. Juggling is my specialty
    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 £161400
    h@lifax CC £4700 0% until May 2018.. will pay minimum for now, slow stooze
    xmas, chairs, hoover, computer and holiday [STRIKE}clothes[STRIKE] DD1 cc
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

3,349Posts Today

8,654Users online

Martin's Twitter
  • Today's twitter poll: It's been everywhere, so why not here. Which Hogwart's house should you've been in (Ive put key traits to help)...

  • Quick favour if uv graduated within around the last year. I could do with pic of a student loan statement (no personal info) inc interest

  • RT @ValeOfLevenCU: Why not sign up to @MartinSLewis https://t.co/kxMBedCNNw weekly email for free, impartial tips? #ThriftyThursday http?

  • Follow Martin