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  • FIRST POST
    • atypicalblonde
    • By atypicalblonde 28th Sep 16, 2:14 PM
    • 2,177Posts
    • 12,558Thanks
    atypicalblonde
    ATB - mortgage freedom by 2020!
    • #1
    • 28th Sep 16, 2:14 PM
    ATB - mortgage freedom by 2020! 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
    Last edited by atypicalblonde; 26-05-2017 at 6:50 AM.
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 5.6.17 - £123,900
    Aiming to be MF 1.10.2020
Page 24
    • genieuk
    • By genieuk 4th Apr 17, 1:27 PM
    • 296 Posts
    • 1,169 Thanks
    genieuk
    We have dd1 home from uni for 2wks so food shop will be slightly more than usual.
    Have decided to get our front garden sorted out, we did plan to complete it last year but couldn't settle on any ideas, so its starting tomorrow, but will take a chunk out of our tesco current account savings.

    And now our washing machine is on its way out sounds like I am washing a couple of lump hammers in there. Not bought a new one yet as I have to research and compare then see what cashback/discounts are available and then start over again lol.

    Have just signed up to receipt hog will see how that goes.
    Mortgage
    June 2011 £145,943.13; Dec 2016 £74,537; Feb 2017 £71,503, April 2017 £67,075, May 2017 £64,414.58, June 2017 £62,882.99
    • atypicalblonde
    • By atypicalblonde 5th Apr 17, 6:38 AM
    • 2,177 Posts
    • 12,558 Thanks
    atypicalblonde
    Morning all

    - £8.12 Tilly tidy made
    - NSD day ahead
    - Freezer packed full and meal plan done for the whole of April

    I feel some of my mojo has returned and it feels good. Must dash, need to get the bedding in the wash. Have great, frugal, days all xx
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 5.6.17 - £123,900
    Aiming to be MF 1.10.2020
    • atypicalblonde
    • By atypicalblonde 6th Apr 17, 12:00 PM
    • 2,177 Posts
    • 12,558 Thanks
    atypicalblonde
    Had a very busy but productive morning. Topped up on fruit and veg at the market, then walked home and cracked on with some housework - the really neglected bits, like the windows All looking lovely and sparkly now

    I've also done a load of paid stuff, shuffled £100 over to the mortgage and had the nod for some more paid stuff which will earn me £200 in around 4 weeks time. Happy days
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 5.6.17 - £123,900
    Aiming to be MF 1.10.2020
    • atypicalblonde
    • By atypicalblonde 11th Apr 17, 8:40 PM
    • 2,177 Posts
    • 12,558 Thanks
    atypicalblonde
    I'm still here, still OPing too just not posting as much. It's the Easter holidays and both kids are home. 'Nuff said
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 5.6.17 - £123,900
    Aiming to be MF 1.10.2020
    • atypicalblonde
    • By atypicalblonde 12th Apr 17, 6:53 AM
    • 2,177 Posts
    • 12,558 Thanks
    atypicalblonde
    Morning all,

    £50 OP made and NSD ahead. There is a chance, albeit a small one, that we could hit our end of a June target of £125k by the end of the month. It just depends on whether a couple of pieces of work come off which are in the pipeline. Watch this space

    Sold two bits on eBay overnight so another £50 in the pot.

    Taking DD to the park today although it is very blustery so we may need hats on. Have lovely days all xx
    Last edited by atypicalblonde; 12-04-2017 at 7:08 AM.
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 5.6.17 - £123,900
    Aiming to be MF 1.10.2020
    • genieuk
    • By genieuk 13th Apr 17, 11:39 AM
    • 296 Posts
    • 1,169 Thanks
    genieuk
    Fingers crossed you hit your target early.

    Expensive week for us we definitely need a new washing machine but managed to get one with free delivery and extra 10% off I think its a model below the latest one but if it does the job I don't mind.

    I was going to take advantage of the buy now pay 6mths later until I was at the last page of the online financial agreement were it mentioned I would have to pay £29 settlement fee. So quickly rang and made sure it was all cancelled and paid in full - I was trying to keep the money in the savings pot, but hey ho.

    Looking forward to having all 4 children under one roof this weekend..


    Have a good day
    Mortgage
    June 2011 £145,943.13; Dec 2016 £74,537; Feb 2017 £71,503, April 2017 £67,075, May 2017 £64,414.58, June 2017 £62,882.99
    • atypicalblonde
    • By atypicalblonde 16th Apr 17, 7:25 AM
    • 2,177 Posts
    • 12,558 Thanks
    atypicalblonde
    Good morning all and Happy Easter

    We are currently on holiday and the weather is being kind (Wales). Managed a few hours on the beach yesterday and more of the same planned for today. We are taking packed lunches and our own drinks with us so no spends needed (other than for a pint at the pub on the way home )

    Bank holidays mean DH hasn't been paid yet, so when his money arrives on Tuesday I'll do a bit of a shuffle and have a better idea of where we are.

    Roasted lamb with all the trimmings for dinner today, and lots of of course!

    Have peaceful days all xx
    Last edited by atypicalblonde; 16-04-2017 at 7:48 AM.
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 5.6.17 - £123,900
    Aiming to be MF 1.10.2020
    • CathT
    • By CathT 16th Apr 17, 9:17 AM
    • 5,148 Posts
    • 35,424 Thanks
    CathT
    There are some beautiful beaches in Wales. Have a lovely break.
    June 2010 £121,287
    May 2017 - part 1 - £81,782
    -part 2 - £46,814
    Total - £128,596
    • atypicalblonde
    • By atypicalblonde 16th Apr 17, 10:31 AM
    • 2,177 Posts
    • 12,558 Thanks
    atypicalblonde
    We are so lucky here Cath, the local beach is stunning and we always rent a beach hut too.

    Kiddies got lots of eggs but also sme spending money, which they have opted to spend on a visit to a local farm
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 5.6.17 - £123,900
    Aiming to be MF 1.10.2020
    • atypicalblonde
    • By atypicalblonde 17th Apr 17, 9:04 AM
    • 2,177 Posts
    • 12,558 Thanks
    atypicalblonde
    Lovely holiday continues but I'm already getting sad at the thought of going home!

    Looking forward to checking online banking tomorrow and seeing exactly where we are, how sad am I

    Off for a walk on the beach now, bliss xx
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 5.6.17 - £123,900
    Aiming to be MF 1.10.2020
    • Jessy103
    • By Jessy103 17th Apr 17, 9:49 AM
    • 265 Posts
    • 917 Thanks
    Jessy103
    Sounds lovely! Enjoy the rest of your holiday!! x
    Original Mortgage Amount 2007 - £87,310.50
    Mortgage Amount April 2017 - £64,990.00
    Overpayment Target for 2017 - £5,000 /£2,396.80
    Jan - £873.26 Feb - £185.38 March - £269.07 April - £193.66 May - £467.64 June - £407.79
    • CathT
    • By CathT 17th Apr 17, 12:23 PM
    • 5,148 Posts
    • 35,424 Thanks
    CathT
    Lovely holiday continues but I'm already getting sad at the thought of going home!

    Looking forward to checking online banking tomorrow and seeing exactly where we are, how sad am I

    Off for a walk on the beach now, bliss xx
    Originally posted by atypicalblonde
    I made a cc payment this morning and was annoyed it hadn't updated! Enjoy the rest of your holiday, hope you're getting some dry weather.
    June 2010 £121,287
    May 2017 - part 1 - £81,782
    -part 2 - £46,814
    Total - £128,596
    • atypicalblonde
    • By atypicalblonde 17th Apr 17, 12:44 PM
    • 2,177 Posts
    • 12,558 Thanks
    atypicalblonde
    It's clouded over now so we are on the sofa watching Shrek having lunch

    My list of jobs for next week is whirling round in my head so here goes:

    - Open Leeds BS 4 year fixed isa (1.45%, much better than our current rate)
    - Top savings pot up to £1750
    - chase up consultancy work
    - Achieve 4 NSDs
    - use up pork mince that has been in the freezer for ages
    - choose wallpaper for bedroom

    Very random I know
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 5.6.17 - £123,900
    Aiming to be MF 1.10.2020
    • atypicalblonde
    • By atypicalblonde 17th Apr 17, 12:45 PM
    • 2,177 Posts
    • 12,558 Thanks
    atypicalblonde
    I made a cc payment this morning and was annoyed it hadn't updated! Enjoy the rest of your holiday, hope you're getting some dry weather.
    Originally posted by CathT
    Thanks Cath - you're so close to the 70s!
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 5.6.17 - £123,900
    Aiming to be MF 1.10.2020
    • Mortgagefreeby50
    • By Mortgagefreeby50 18th Apr 17, 6:36 AM
    • 496 Posts
    • 1,889 Thanks
    Mortgagefreeby50
    Hello!

    I have spent the last three days reading your diaries from start to finish!

    You're doing so well and have maintained momentum for so long!

    Having young children is so hard, big hug for you from me xx They don't tell you that bit before you have them! The sleep deprivation is one thing, but the constantly having to be something to someone is the most exhausting. I'm glad you manage to get away occasionally, I hope you find time for self care regularly xx

    Anyways, back to the mortgage - are you 'atypical' or 'a typical'? Just so I know how to read it in my head!

    I'm so inspired to declutter and sell sell sell!

    I really admire yours and your DH's drive and determination and I have no doubt that it will pay off.
    Slow progress is better than no progress.
    • atypicalblonde
    • By atypicalblonde 18th Apr 17, 8:07 AM
    • 2,177 Posts
    • 12,558 Thanks
    atypicalblonde
    Thanks for popping by Mortgagefreeby50 and wow, I can't believe you've read that much! Thank you for your lovely words and support, and it's 'a typical' on account of the fact that I can be quite ditzy sometimes & have long blonde hair

    It's sunny here again, but forecast to cloud over. We are going to a local theme park today, picnics are permitted so I've made a big packed lunch for us.

    Online banking has updated so I've done a money shuffle I'm going to take £80 cash out today which will be our spends for the rest of our break - we go home on Friday so should be plenty. Right I'm off to jump in the bath then cook a fry up before we set off.

    Have fab days all xx
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 5.6.17 - £123,900
    Aiming to be MF 1.10.2020
    • themadvix
    • By themadvix 18th Apr 17, 10:09 AM
    • 816 Posts
    • 3,321 Thanks
    themadvix
    Sounds like you're having a fab time and a well-deserved break! Enjoy the rest of the week!
    OPs 2017 = £2603/£10000
    S&S ISA = £300/£600
    OPs made 2016 = £6142.12
    Starting balance 2012: £132000; balance June 2017: £99,974
    MFW2017 no. 38
    • atypicalblonde
    • By atypicalblonde 18th Apr 17, 4:39 PM
    • 2,177 Posts
    • 12,558 Thanks
    atypicalblonde
    Gorgeous day out kids loved it, DS was free entry and taking a packed lunch meant we saved £££££

    I'm now sat on the sofa drinking a chilled glass of cava and DH and the kids are playing Hot Wheels . Happy days xx
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 5.6.17 - £123,900
    Aiming to be MF 1.10.2020
    • atypicalblonde
    • By atypicalblonde 19th Apr 17, 3:40 PM
    • 2,177 Posts
    • 12,558 Thanks
    atypicalblonde
    Gorgeous day exploring local seaside town, including cheeky lunch out.

    Home on Friday, and we've opted to go via Lidl so I can get all the weeks' food that we need at bargainous prices much needed, especially as DD is eating a full punnet of raspberries & strawberries per day at the moment!

    Southern fried chicken for dinner tonight, with HM sweet potato fries
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 5.6.17 - £123,900
    Aiming to be MF 1.10.2020
    • genieuk
    • By genieuk 19th Apr 17, 5:00 PM
    • 296 Posts
    • 1,169 Thanks
    genieuk
    Hi
    I have recently started buying some of my fruit & veg from Home Bargains, can't remember how many grams but raspberrries were 59p the other week. Grapes and apples cheap as well.
    Mortgage
    June 2011 £145,943.13; Dec 2016 £74,537; Feb 2017 £71,503, April 2017 £67,075, May 2017 £64,414.58, June 2017 £62,882.99
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