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  • FIRST POST
    • Moneyfordreams
    • By Moneyfordreams 5th Nov 15, 11:32 AM
    • 874Posts
    • 4,251Thanks
    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
    July £110.93 = £1597.09
    August £118.35 = £1715.44
    September £116.66 = £1833.00
    October £100
    November £100
    December £100



    http://www.whatsthecost.com/snowball.aspx
    Last edited by Moneyfordreams; 01-09-2017 at 1:13 PM. Reason: to add link
Page 28
    • Moneyfordreams
    • By Moneyfordreams 8th Aug 17, 8:16 PM
    • 874 Posts
    • 4,251 Thanks
    Moneyfordreams
    Another busy week, OH was feeling off colour and after a funny turn a few weeks ago I took him to the doc. Then bloods tests ecgs and stuff at the hospital have all been good. hopefully this is reassuring for him. He's been feeling a bit low again. He Says because he's approaching the age his parents died, and that working nights have become a struggle. He has got a sick note for the first time ever. But he also wants to look for another job. My friend who works for the same company says they get sick pay after the first 3 days. So that will likely be a weeks pay less next month and minus the £2 night enhancements . My advice (nagging) is finally hitting home, be healthy , less sugar, less fatty foods, less alcohol.

    We have lots of room bookings, but last weeks rent diverted to dd1, We are currently babysitting. Have been since 12.00. Dd1 should be back at 9pm. She doing extra hair to pay me back .

    After working weekend nights , I'm back on a long day tomorrow. I would go to bed now if we didn't have the little one here.
    Last edited by Moneyfordreams; 08-08-2017 at 8:52 PM.
    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 £159800
    h@lifax CC £4500 0% until May 2018.. will pay minimum for now, slow stooze
    xmas, chairs, hoover, computer and holiday [STRIKE}clothes[STRIKE] DD1 cc
    • CathT
    • By CathT 9th Aug 17, 11:58 AM
    • 5,284 Posts
    • 36,315 Thanks
    CathT
    Glad DH investigations came back ok. Sounds like you would both benefit from healthy shift pattern.
    August 2017 -
    part 1 - £79,967
    part 2 - £46,351
    Total - £126,318
    • Moneyfordreams
    • By Moneyfordreams 15th Aug 17, 9:51 AM
    • 874 Posts
    • 4,251 Thanks
    Moneyfordreams
    If there is one thing I hate, it's doing things twice..... I only pressed enter and my post deleted

    lodger late with rent

    DD1 paying up loan

    DD2 not yet decided on her future

    OH back to work this weekend

    I'm off for 3 days but DD1 wants me to wall paper GDs bedroom today... they wait for sky tv this aft. then babysit tomorrow and Friday..... I said I may start charging for childcare
    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 £159800
    h@lifax CC £4500 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 15th Aug 17, 9:56 AM
    • 874 Posts
    • 4,251 Thanks
    Moneyfordreams
    Thanks Cath... to get the lovely life balance we will likely have to move house so I can reduce hours. But after our holiday , October salary, I aim to be really sensible and OP larger amounts again. I'm a bit torn though as to have more cash in the bank ( I tend to keep a £2k EF) will need to be available to move, I may save up.
    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 £159800
    h@lifax CC £4500 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 15th Aug 17, 11:09 PM
    • 7,071 Posts
    • 34,188 Thanks
    brizzledfw
    Enjoy the time off... And hope OH feels better soon..

    Re the unpaid work for your family..maybe you should take pay in kind/barter. She needs to acknowledge your time is worth a great deal

    X
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    September '17 Savings Rate Goal: 33% [August 33%]
    Declutter 100 items before 30.09.17 35/100 ** LSDs Target 5 for September 02/05 **AFDs 09/15 ** Sales Target '17 £750 £225 so far
    **NSDs Target 5 for September 01/05 Trying to be a Frugalista
    • Moneyfordreams
    • By Moneyfordreams 18th Aug 17, 10:55 AM
    • 874 Posts
    • 4,251 Thanks
    Moneyfordreams
    OH feeling much better thanks Brizzle,

    he's smiling much more this week and feels glad to be returning to work Saturday night.... I'm glad too as his wages were another £100 less than last month... and we are spending like there's no tomorrow... or rather using holiday excuse for new shoes, cozzies, and general feel good items... sale stuff and TK, so only half mad :0

    I'm working weekend nights, then I'm working all of the BH weekend too.... all good for Septembers salary.

    DD1s house is coming along nicely,most of the big jobs are now done. She does do my hair once a month, but I buy the colour, my hair is rubbish and it generally takes about 3-4 snips and it's done, ....

    She goes on holiday leaving us with the little one at the end of the month... then DD2 needs driving back to the south... OH will do that on his own while I look after GD .... then I'm on 7 night shifts before our holiday... when we are back from holiday it's dd1s winning trip to NYC for 5 days.... GDs daddy will help, ROLL on October pheeewwwww

    OH has said he will join the gym with me when we are back from hols we do need another dimension to our personal routines.

    I'm just keeping my fingers xd all monies will be ok. I'm not quite putting my head in the sand. I have looked at the CC statement and seen that asd@ petrol , card only service station has charged my card twice.... I'm about to get onto whoever that is to complain....
    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 £159800
    h@lifax CC £4500 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 29th Aug 17, 12:27 PM
    • 874 Posts
    • 4,251 Thanks
    Moneyfordreams
    Pay day tomorrow and I'm excited for it
    It's a goodun according to the online payslip, as I've been paid for July OT too.

    I need to pay £1k off cc , and do my usual £500 for savings. I really should pay more off the cc but I'll wait until we return from our hols......

    Bought a few yellow sicker meats from OH work and remembered his discount card so that saved me a just under £4. Although we shouldn't be shopping as the freezer is full. I have one more work day tomorrow for this week, so a least I'll be home to cook. Our little GD is coming on Thursday for her extended sleep over. DD1s managed to turn a 3 night holiday to Ibiza into 5 nights for child care by booking night flights either end....... I'm not sure whether to be impressed or pi$$ed.

    DD2 is back to the south next week. I don't think she is going back to uni at this point she has rented a room (I'm sure I've mentioned this before) but she's decided to do nursing but wants to apply to a Welsh uni..... We gave her so much last year to start her off.... I do feel it was just wasted .... but as its not my place and I never know whether we'll get happy or grumpy girl I haven't voiced that. She is a challenge for sure and has a lot of traits of my cranky sister whom she didn't see for 10 years

    We will miss the happy girl but cheer off the difficult one
    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 £159800
    h@lifax CC £4500 0% until May 2018.. will pay minimum for now, slow stooze
    xmas, chairs, hoover, computer and holiday [STRIKE}clothes[STRIKE] DD1 cc
    • newgirly
    • By newgirly 31st Aug 17, 8:04 AM
    • 5,770 Posts
    • 39,505 Thanks
    newgirly
    Kids are such a joy aren't they I hope you get some time to rest and relax
    MFW 21
    Target for 2017 £38,545 / £14,264 paid so far

    Mortgage £47,330 4 years 8 months left. Total owed £63,993 planning to clear in 24 months
    WW target - 29.5 lb start date 11/5/17 so far 16.5lb lost.
    • Moneyfordreams
    • By Moneyfordreams 31st Aug 17, 8:38 AM
    • 874 Posts
    • 4,251 Thanks
    Moneyfordreams
    thanks Newgirly, I'm hoping Gds daddy will have the Weekend off to chip in.

    Financial planning is all good if I ignore my spending over the last couple of months . I have set aside cash for EF, holiday spends and still have some left over. mind you its 3 weeks until we go. This means any lodger money and room money due in before will go off CC too to ensure a quick pay off.

    Last year I transferred several things onto 0% and it's been a slow payback of £100 pcm. From now I want all extras to interest cc, (only built up to ensure DD has deposit and now reluctant to part with cash ) . After this I will be diverting lodger and room money to the 0%. I think it's up in May next year. We will also pay off at least £1k balance reduction to mortgage and raise EF to £5k... This will take us up too spring summer next year.

    Every time we finish one house job I think of another.... We only half did the garden this year so the pricey things like new railings and stairs for next year, plus we still haven't organised wardrobes for our room, the ones I like reach about £1200 and I'm not going there yet. . We also have the 13 yo boiler that chugs along to consider replacing.

    After mortgage is paid tomorrow we will be on £158k . We are definitely reaching a £2k OP this year but with all other stuff on the go that has been a small positive....
    Last edited by Moneyfordreams; 31-08-2017 at 8:42 AM.
    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 £159800
    h@lifax CC £4500 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 4th Sep 17, 6:28 PM
    • 874 Posts
    • 4,251 Thanks
    Moneyfordreams
    GD has spent half the weekend with her daddy (phew) she's back with us tonight then mummy is home in the morning

    OH has been fab at getting 3/4's of the way though 3 year old jobs... still 25% to go ,

    Holiday funds set to onside, Operation eat from the freezer in process... Although we seem to have a lot of fish

    All still a mixed up bag with DD2, I'm getting about a sentence a day... I certainly don't want to rush her I have said though , that after her 20th birthday in 2 weeks, the teenage years finish and she can finally act like an adult
    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 £159800
    h@lifax CC £4500 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 6th Sep 17, 2:35 PM
    • 874 Posts
    • 4,251 Thanks
    Moneyfordreams
    Hahaha a NSD at last , I think anyway. looking after Gd for the day , She's made us lunch (pasta and peas with salmon,) we've made cup cakes... and on our 4th animated film.. I wish they did a dance exercise vid from the Trolls music We might have to get some fresh air and walk to the park

    OH has gone to lay someone's funky stair design, laminate risers and carpet treads... I hope to the heavens he's ok with it.. he's never been innovative and like to keep traditional... I think that's why I still have incomplete tile trims in the bathroom.

    DD1 is back from Ibiza,, that was an expensive do. She was pulled into the pool wearing her hand bag and iphone, so needs a new one.... on the drive home from the airport a stone hit her windscreen and its to cost £180 to replace. its too big a crack for aut0gla$$ to repair.

    Bang goes my final £270 that she owes me

    At least Dd2 is still indecisive on her plans she hasn't cost me anything This week

    We have taken down old dusty bathroom wooden venetian blinds. Wilkos rollers £8 to replace. took OH 3 hrs to put up the other day.... I wanted to step in but didn't want to make him feel bad , so I had a cuppa instead and gave him a big hug when it was done
    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 £159800
    h@lifax CC £4500 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 8th Sep 17, 3:38 PM
    • 7,071 Posts
    • 34,188 Thanks
    brizzledfw
    You've been busy Where do you find the energy!!? Love reading your posts.

    Air BnB still working for you?
    x
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    September '17 Savings Rate Goal: 33% [August 33%]
    Declutter 100 items before 30.09.17 35/100 ** LSDs Target 5 for September 02/05 **AFDs 09/15 ** Sales Target '17 £750 £225 so far
    **NSDs Target 5 for September 01/05 Trying to be a Frugalista
    • Moneyfordreams
    • By Moneyfordreams 10th Sep 17, 11:01 AM
    • 874 Posts
    • 4,251 Thanks
    Moneyfordreams
    Hi Brizzle,

    All drama here We long for a bit of boring

    Airbnb still very productive. Over £600 in august and planned £250 in September. We are taking a lot of time off from it through September and October as we have 2 weeks hols plus I'm on nights and fussy over my lack of sleep. We have 10 bookings for October so far and sporadic bookings through to February. We even have a returning guest over Christmas for 5 nights!! (We weren't quick enough on that one) . OH chief bed maker to supplement his income and he is now only working 22.5 hrs (nights) in the supermarket. It started off as a boost to income , but has ended up allowing OH to work less. He's 58 and tired

    The website has a stats page and including September the earnings from airbn6 so far this year are £3800. Each booking we provide tea coffee bread for toast jams butter... then the extra washing.. but bills aren't up that much.

    We then have extra earnings from our permanent lodger... He's been fairly good at paying this year. He has a lovely girlfriend at the mo... heaven help us if she dumps him,

    Good job the gov increased the annual limits of earnings to £7.5k tax free

    I have woken up with a headache this am... I haven't had a migraine in years but it is not responding to the usual paracetamol/codeine/brufen.... and now the neighbours have music blasting through the walls. OH came home from his night shift at 5am so he'll be up soon... I think he thinks I'm exaggerating the drum playing (after he goes to work) and the annoyance of them.. The older guy, the home owner is certainly not speaking to me after I bought my arbour.. to stop him staring into my front garden. (there was a tree incident a few months back) . It's s 60's music so I imagine its him , rather than his son who is in his late 30's , that'd be rock music....

    Anyhow hopefully the day will get better as I'm on countdown to our holiday. I have 7 night shifts from Monday to contend with first.

    We travel 22nd to San Francisco , visit vine yards, golden gate and alcatraz.. then a cheap flight the Las vegas and a stay in the Luxor (cheesey ) and see JLo , then a greyhound bus $10 to LA for three nights before returning to San Fran for our flight home.

    All transport bought at great prices £1250 including insurance. The hotels are another matter, however, I decided to upgrade rather than be cheap.. Total £3050 ...
    Alcatraz £75
    Vineyards £80
    JLo £250, I'm hoping most of Vegas will be more relaxing as warmer and a pool

    I have £3k to take with us, and I am hoping we will bring £1k back with us... maybe a hope too far

    That's where my mortgage over payments have disappeared too... and of course ,after years of wearing the same things I have needed new clothes , suitcases swimming costumes and just generally clothes the next size up
    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 £159800
    h@lifax CC £4500 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 10th Sep 17, 11:24 AM
    • 874 Posts
    • 4,251 Thanks
    Moneyfordreams
    seen as I'm confessing

    £270 arbour (with delivery )
    £180 on Victorian garden swing
    £150 Ivy hedge removal
    £80 hedge cutter (only used once as brute force tool hedge down, and won't be required again)

    Clothes ???????

    £7800 to DD1 ( plus extra £370 that she owes)

    Food , £50 per week for 3 adults currently (with alcohol) This week only £25 as using freezer up

    I love the location of our house, the river is so still this am, and the half marathon groups have run past, but I would love privacy... listening to puppet on a string clearly through from next door is B188dy irritating
    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 £159800
    h@lifax CC £4500 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 14th Sep 17, 4:53 PM
    • 874 Posts
    • 4,251 Thanks
    Moneyfordreams
    tonight is my middle shift so on the downward slope to my days off

    Is it a no spend day If I've not spent anything? Well OH took a tenner for shopping on Monday and he's just taken a £20 now to top up shop, with snack type foods I can grab quickly on night duty....
    He's making pork stir fry for tea, proper freezer emptying going well.

    I usually get break 2am ish or 3am... this morning I had to stop to catch up and document so a cuppa at my desk at 5am, but the time when I had no queue was 6.30am....

    DD2 is eating us out of house and home!!

    our flights are early next Friday, I'm wondering about booking a airport room the night before. The OH said lets get taxi to airport... loads of extra costs

    Its DD2s birthday Monday, I don't finish work until Monday morning, she'll have £100 in a card. But she wants a meal at a local restaurant , I haven't asked if she want DD1 to come.. I can't just assume can I ?

    Tuesday is hair do day... I'm having some copper balayage added and a few individual extensions to pad out my fine mop.

    Wednesday , final shop, need walking daytime flats...

    Thursday ? hotel...

    Friday breakfast time flights to USA

    I have kept the last 2 weeks rent from the bank and DD1s returning cash but this is what OH has discovered for shopping , but potential taxi's ,DD2s birthday and meal. We might as well just have the cash

    4 nights left to work before 26 days off... (I'm pretending its a month )
    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 £159800
    h@lifax CC £4500 0% until May 2018.. will pay minimum for now, slow stooze
    xmas, chairs, hoover, computer and holiday [STRIKE}clothes[STRIKE] DD1 cc
    • newgirly
    • By newgirly 18th Sep 17, 7:35 AM
    • 5,770 Posts
    • 39,505 Thanks
    newgirly
    Have a fantastic holiday
    MFW 21
    Target for 2017 £38,545 / £14,264 paid so far

    Mortgage £47,330 4 years 8 months left. Total owed £63,993 planning to clear in 24 months
    WW target - 29.5 lb start date 11/5/17 so far 16.5lb lost.
    • brizzledfw
    • By brizzledfw 18th Sep 17, 10:02 AM
    • 7,071 Posts
    • 34,188 Thanks
    brizzledfw
    Have a brilliant brilliant time off. Cant wait to hear all about it.

    X
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    September '17 Savings Rate Goal: 33% [August 33%]
    Declutter 100 items before 30.09.17 35/100 ** LSDs Target 5 for September 02/05 **AFDs 09/15 ** Sales Target '17 £750 £225 so far
    **NSDs Target 5 for September 01/05 Trying to be a Frugalista
    • greent
    • By greent 20th Sep 17, 4:12 PM
    • 6,191 Posts
    • 62,681 Thanks
    greent
    Have an absolutely amazing time
    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) £4151/£3286
    Net sales 2017 £1152.39/£500 PAYDOX17 £11333/£10k Decluttered 1515/2017 items
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