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  • FIRST POST
    • atypicalblonde
    • By atypicalblonde 28th Sep 16, 2:14 PM
    • 1,619Posts
    • 8,543Thanks
    atypicalblonde
    ATB'S Frugal Foray to Freedom
    • #1
    • 28th Sep 16, 2:14 PM
    ATB'S Frugal Foray to Freedom 28th Sep 16 at 2:14 PM
    Good Afternoon All

    So much has changed since my last diary, I felt now was the right time to start a new one. Linkie to the old one is here http://forums.moneysavingexpert.com/showthread.php?t=5171678 if anyone wants a look-see!

    A little about me for those who haven't 'met' me before. I am married to a fabulous DH, who runs his own business. There are major peaks and troughs to that, some months we are brassic and others we feel quite flush. It is a precarious balance at times, and we have to deal with constant late payers, tax bills etc, but on the whole it is worth it. DH job is very physically demanding though, and he works away all week.

    We have two kiddies - DD is 4 and DS is 2. They are my world

    Our outstanding mortgage as at today's date is bang on £141,900. When I began my old diary at the start of last year it was £171k, so we have done pretty well thusfar However, my income is greatly reduced now as I no longer work - I am officially a home-maker, and that is how it will stay for the foreseeable.

    To clear our mortgage before we are 40 (i.e. 9 years time) is the grand plan. I would ideally like to do it in half that time, but 9 years is do-able and requires monthly OPs of £750.

    I now have a spreadsheet (thank you hiddenshadow) and an obsession with only having 000 at the end of the mortgage (thank you A Frayed Knot!), and most importantly a frugal mind-set. We need to make each penny do the work of 3, whilst remembering to have some fun on the way.

    The first target is to get into the 30s by Christmas... wish me luck, come along for the ride (but make sure you bring tea and biccies!)

    ATB xx
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 3.11.16 - £139,251.40
Page 2
    • hiddenshadow
    • By hiddenshadow 5th Oct 16, 11:53 AM
    • 1,772 Posts
    • 8,022 Thanks
    hiddenshadow
    Glad nothing happened with the burglary - hope the locks/alarms work both as a deterrent and helping you feel secure. My house was robbed years ago and it took me a while to feel comfortable again.
    MFW: Dec '13 £197,100 / Dec '14 £180,691 / Dec '15 £161,669 / Dec '16 £119,799 (£6,724 offset)
    Payment 35/84 / 2016 MFW #56: £41,870/£43,000 97% / MFiT-T4 #15: £39,701/£90,000 44%
    • JimLad
    • By JimLad 5th Oct 16, 12:13 PM
    • 849 Posts
    • 1,248 Thanks
    JimLad
    wow that must have been terrifying! Did they just chance their arm in through the front door?
    Paying off the Mortgage as fast as we can. 13k to go!
    MissWillow is my OH!
    • Watty1
    • By Watty1 5th Oct 16, 1:08 PM
    • 2,494 Posts
    • 17,601 Thanks
    Watty1
    That must have been terrifying. So glad you are ok.
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £68801
    • atypicalblonde
    • By atypicalblonde 5th Oct 16, 1:22 PM
    • 1,619 Posts
    • 8,543 Thanks
    atypicalblonde
    wow that must have been terrifying! Did they just chance their arm in through the front door?
    Originally posted by JimLad
    Yep, exactly that. The police reckon they just wanted the car. It is brand new, a bit sporty and DH's pride and joy. Why can't the f***ers just go out and graft like the rest of us do?!

    We were burgled in our last house during the night whilst we slept, around 2 years ago. We had a nice car then as well, and again the police thought they would have wanted the keys for it. All the old feelings of vulnerability and violation have come flooding back...

    Anyway, alarm is all up and running now, and we have a special pet sensor downstairs where the dog sleeps so she won't set it off. It has spurred me on to clear out the garage so I can put the car in there, so guess what I'm doing this afternoon before the school run x
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 3.11.16 - £139,251.40
    • PrincessLou
    • By PrincessLou 5th Oct 16, 4:29 PM
    • 461 Posts
    • 1,755 Thanks
    PrincessLou
    Oh, ATB, how awful for you So glad you and the children are ok.

    A very similar thing happened to us three years ago. My twins were only four months old and DH went downstairs to grab something for one of them at 5am and saw a torch light in the living room. He ran back upstairs and we barricaded ourselves in our bedroom. I remember feeling utterly terrified that they would try and come upstairs They took both sets of car keys - stole my car and attempted to steal DH's car too but the police came before they had time so they left without it. My car was full of baby stuff, an expensive double pushchair, and lots more. It was devastating at the time....
    • CathT
    • By CathT 6th Oct 16, 6:18 AM
    • 4,889 Posts
    • 33,494 Thanks
    CathT
    How awful ATB, hope the alarm system works for you. A good reminder to us all to be extra careful and consider our own security.
    June 2010 £121,287
    Dec 2016 £84,056
    WIOTW Dec £91,392
    • EatingTheElephant
    • By EatingTheElephant 6th Oct 16, 6:59 AM
    • 605 Posts
    • 2,923 Thanks
    EatingTheElephant
    Yep, exactly that. The police reckon they just wanted the car. It is brand new, a bit sporty and DH's pride and joy. Why can't the f***ers just go out and graft like the rest of us do?!
    Originally posted by atypicalblonde
    My sentiments exactly! How terrifying.
    • atypicalblonde
    • By atypicalblonde 8th Oct 16, 4:22 PM
    • 1,619 Posts
    • 8,543 Thanks
    atypicalblonde
    Good afternoon all,

    Sorry I've been AWOL. It's been a tumultuous week, and in and amongst everything else I've grown another year older

    I've OPd a whole £9 this morning, check me out I will look at all the finances closely next week, the attempted burglary has cost us over £550 in extra security measures so I must take a closer look at exactly what the impact is.

    Right now the fire is roaring, I have a glass of wine, the kids are with a friend and I'm looking forward to strictly. It's about as much as my brain can handle

    Thanks for your words of support xx
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 3.11.16 - £139,251.40
    • hiddenshadow
    • By hiddenshadow 8th Oct 16, 5:23 PM
    • 1,772 Posts
    • 8,022 Thanks
    hiddenshadow
    Happy birthday! Well done with the OP as well, hope the security spends don't have too big an impact (I hate when my plans get derailed like that).
    MFW: Dec '13 £197,100 / Dec '14 £180,691 / Dec '15 £161,669 / Dec '16 £119,799 (£6,724 offset)
    Payment 35/84 / 2016 MFW #56: £41,870/£43,000 97% / MFiT-T4 #15: £39,701/£90,000 44%
    • PrincessLou
    • By PrincessLou 8th Oct 16, 9:10 PM
    • 461 Posts
    • 1,755 Thanks
    PrincessLou
    Ahem.... *sung to the tune of Happy Birthday*

    Happy birthday to you,
    Happy birthday to you,
    You look like a money-saver,
    And you OP like one too!

    Hurray!
    • atypicalblonde
    • By atypicalblonde 8th Oct 16, 9:49 PM
    • 1,619 Posts
    • 8,543 Thanks
    atypicalblonde
    PL that has made me smile, thank you

    A lovely relaxing afternoon. Kiddies are home tomorrow, so peace won't reign for much longer but I'll enjoy it whilst it lasts! I must must do a meal plan tomorrow morning, I want to avoid the supermarkets for at least another week if I can, buying just from the butcher and grocer. Watch this space...

    Sleep well all xx
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 3.11.16 - £139,251.40
    • Madcatgirl
    • By Madcatgirl 8th Oct 16, 11:27 PM
    • 299 Posts
    • 3,892 Thanks
    Madcatgirl
    Hiya - just read your dairy - how terrifying about the attempted burglary, I don't know what I'd do in that situation!

    Meal planning is something I need to get better at to save money. I do batch cook, but end up with a freezer full of meals and still buy more food!
    March 2016 - £178,914.59; October 2016 balance £169,858.05
    Mortgage end date September 2043; Target - pay off by March 2026
    2016 overpayments £7,279.90Mini goal 50% ltv (c. £150,000) by September 2018
    • atypicalblonde
    • By atypicalblonde 9th Oct 16, 7:58 AM
    • 1,619 Posts
    • 8,543 Thanks
    atypicalblonde
    It is a bright autumnal morning here, very good for the soul.

    I dreamt someone gave me £100 last night and I OP'd it straightaway, I need to get out more

    Rather than doing sporadic OPs this month, I have decided to squirrel my OP money into my savings account then hopefully do a big lump OP on 1st November to get me into the 30s. Having to shell out so much cash this week has really drained our emergency fund, and made me a little nervous, so just for the short term the cash is staying put. However, Tily tidies are permitted so I've just OPd 68p...

    Off to snuggle back in bed for an hour - something unheard of normally for me! x
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 3.11.16 - £139,251.40
    • atypicalblonde
    • By atypicalblonde 9th Oct 16, 8:26 AM
    • 1,619 Posts
    • 8,543 Thanks
    atypicalblonde
    I decided not to go back to bed and instead have done some admin for DH. Chicken curry is about to be cooked too... mmmmm x
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 3.11.16 - £139,251.40
    • gallygirl
    • By gallygirl 9th Oct 16, 8:34 AM
    • 16,052 Posts
    • 105,247 Thanks
    gallygirl

    I dreamt someone gave me £100 last night and I OP'd it straightaway, I need to get out more
    Originally posted by atypicalblonde
    Not as sad as me when I woke up upset as I'd spotted 2p on the floor in my dream and then couldn't find it .
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    Mortgage Balance = £0
    "Do what others won't early in life so you can do what others can't later in life"
    • atypicalblonde
    • By atypicalblonde 9th Oct 16, 11:22 AM
    • 1,619 Posts
    • 8,543 Thanks
    atypicalblonde
    Not as sad as me when I woke up upset as I'd spotted 2p on the floor in my dream and then couldn't find it .
    Originally posted by gallygirl
    GG

    Batch cooking done, kitchen cleaned, laundry up to date... time for a relaxing shower methinks x
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 3.11.16 - £139,251.40
    • atypicalblonde
    • By atypicalblonde 10th Oct 16, 2:42 PM
    • 1,619 Posts
    • 8,543 Thanks
    atypicalblonde
    I have managed a NSD which is always pleasing tomorrow should follow suit, as I have quite a lot of chores to get on with but no need to spend for any of them. Hurrah!

    Some more money shuffled over to the savings pot for the November OP. Slowly slowly...
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 3.11.16 - £139,251.40
    • PrincessLou
    • By PrincessLou 10th Oct 16, 8:21 PM
    • 461 Posts
    • 1,755 Thanks
    PrincessLou
    How much is in your November pot now? What is the date for OPing it?

    Very exciting...
    • atypicalblonde
    • By atypicalblonde 11th Oct 16, 7:09 AM
    • 1,619 Posts
    • 8,543 Thanks
    atypicalblonde
    Good Morning,

    95p Tilly Tidy done, nothing else to OP today but so long as I have a NSD that's fine PL - We are over halfway now to our November target, and with a bit of luck with be making the OP on 31st October

    Dinner from the freezer today, and some money shuffling to be done later. Have lovely days all xx

    PS I have caved in and put the heating on x
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 3.11.16 - £139,251.40
    • atypicalblonde
    • By atypicalblonde 11th Oct 16, 6:40 PM
    • 1,619 Posts
    • 8,543 Thanks
    atypicalblonde
    Good evening,

    I have dug out all of the mortgage paperwork and plan on ringing them tomorrow to set up a standard OP of £300 a month. We don't include an OP as standard in our monthly payment at present, relying instead on ad-hoc OPs throughout the month. I feel at the thought of setting it up (I know, I'm sad!)

    It's so chilly here today. Nearly time to snug up under a blanket on the sofa and watch some TV. Kiddies are watching Cars 2 snuggled under a blanket eating supper - oh to be little again!

    ATB x
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 3.11.16 - £139,251.40
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