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  • FIRST POST
    • atypicalblonde
    • By atypicalblonde 28th Sep 16, 2:14 PM
    • 2,291Posts
    • 13,925Thanks
    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 25
    • atypicalblonde
    • By atypicalblonde 19th Apr 17, 6:44 PM
    • 2,291 Posts
    • 13,925 Thanks
    atypicalblonde
    Thanks genie I'll look there xx

    The forecast is now dire here for the rest of the week so we've taken the decision to come home early. Not ideal but kids will be climbing the walls if we can't get out (as will we) and at least if it's rubbish weather at home we have all their toys, craft bits etc to use.

    Have to admit I'm looking forward to them going back to school / Pre-school on Monday I've heard 'but Mummmmmeeeeeee' more times then I care to recount
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 5.6.17 - £123,900
    Aiming to be MF 1.10.2020
    • atypicalblonde
    • By atypicalblonde 20th Apr 17, 8:41 PM
    • 2,291 Posts
    • 13,925 Thanks
    atypicalblonde
    We are home , however....

    Remember I cancelled the boiler cover? Yep, that's right, come home to a broken boiler thermostat was stuck and likely that the heating has been blazing out all week turned it off at the mains - tomorrow will be spent sourcing someone to sort it out. Not a happy ATB tonight x
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 5.6.17 - £123,900
    Aiming to be MF 1.10.2020
    • Jessy103
    • By Jessy103 20th Apr 17, 9:00 PM
    • 407 Posts
    • 1,716 Thanks
    Jessy103
    Oh no! Sorry to hear that ATB! Sods law! Hope it gets sorted nice and cheap for you! x
    Original Mortgage Amount 2007 - £87,310.50
    Mortgage Amount July 2017 - £62,900.00
    Overpayment Target for 2017 - £5,000 /£3,501.87
    Jan - £873.26 Feb - £185.38 March - £269.07 April - £193.66 May - £467.64 June - £407.79 July - £849.96 August - £255.11
    • atypicalblonde
    • By atypicalblonde 21st Apr 17, 7:25 AM
    • 2,291 Posts
    • 13,925 Thanks
    atypicalblonde
    Thanks Jessie. Am miffed, but hopefully it will be sorted today, at least it's not the depths of winter and freezing.

    Final day of school holidays today so no doubt we will go to the park at some point. I need to pay some of DH invoices, chase up some money and, hopefully, pay a small dividend. Though I have a funny feeling that may go straight on boiler repairs......

    Have fab days all xx

    PS the pork mince from the to do list is being used today too
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 5.6.17 - £123,900
    Aiming to be MF 1.10.2020
    • A Frayed Knot
    • By A Frayed Knot 21st Apr 17, 8:47 AM
    • 2,088 Posts
    • 9,466 Thanks
    A Frayed Knot
    We are home , however....

    Remember I cancelled the boiler cover? Yep, that's right, come home to a broken boiler thermostat was stuck and likely that the heating has been blazing out all week turned it off at the mains - tomorrow will be spent sourcing someone to sort it out. Not a happy ATB tonight x
    Originally posted by atypicalblonde

    The way I look at it is - You came home early Funny how things work out.
    Always have 00.00 at the end of your mortgage balance and one day it will all be 0's
    MFMarch 30 Re/M Oct 23 Target -Dec 19
    O/P's 2014/£4000, 2015/£6294.69,2016/£3186.80
    2017 £2422.71 + Phantom o/ps 2017 -£1367.81 so far
    • Watty1
    • By Watty1 21st Apr 17, 11:17 AM
    • 2,740 Posts
    • 19,171 Thanks
    Watty1
    Hope boiler is an easy and cheap fix
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £52963
    • atypicalblonde
    • By atypicalblonde 21st Apr 17, 4:16 PM
    • 2,291 Posts
    • 13,925 Thanks
    atypicalblonde
    Boiler condemned. Off to cry into a (small) glass of wine.....
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 5.6.17 - £123,900
    Aiming to be MF 1.10.2020
    • Watty1
    • By Watty1 21st Apr 17, 5:01 PM
    • 2,740 Posts
    • 19,171 Thanks
    Watty1
    oh no .....
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £52963
    • atypicalblonde
    • By atypicalblonde 21st Apr 17, 5:47 PM
    • 2,291 Posts
    • 13,925 Thanks
    atypicalblonde
    oh no .....
    Originally posted by Watty1
    I know. However....

    Current boiler fifteen years old apparently so it's not done bad. Other option was fix it at a cost of £750, but they likened it to throwing money at an old car. For £2k, we could get a new one with a 7 year warranty for parts and labour. And they do 0% so I don't have to use our OP money.

    And to think I was looking forward to OPing the spare cash now we have finished paying for DS childcare
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 5.6.17 - £123,900
    Aiming to be MF 1.10.2020
    • Jessy103
    • By Jessy103 21st Apr 17, 6:23 PM
    • 407 Posts
    • 1,716 Thanks
    Jessy103
    Oh blooming heck! Sorry to hear that ATB but I'm glad it's at 0% and I'm sure with your organisation and motivation you'll have that new boiler paid off in a couple of weeks! x
    Original Mortgage Amount 2007 - £87,310.50
    Mortgage Amount July 2017 - £62,900.00
    Overpayment Target for 2017 - £5,000 /£3,501.87
    Jan - £873.26 Feb - £185.38 March - £269.07 April - £193.66 May - £467.64 June - £407.79 July - £849.96 August - £255.11
    • atypicalblonde
    • By atypicalblonde 22nd Apr 17, 6:59 AM
    • 2,291 Posts
    • 13,925 Thanks
    atypicalblonde
    Morning all

    It's sunny, and I'm feeling much brighter than I was yesterday afternoon! Got a lovely piece of beef brisket out to stick in the slow cooker, along with the 19p carrots and parsnips we got in Lidl

    I am going to crack through my to-do list this morning, starting with opening the Leeds BS ISA, that's the next job when I've finished this cuppa. DS is watching Paw Patrol next to me and DD is in bed. Had confirmation I will be paid around £400 next week for some consultancy work I did a few weeks ago which is nice news.

    Back later to update the to-do list xx
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 5.6.17 - £123,900
    Aiming to be MF 1.10.2020
    • EatingTheElephant
    • By EatingTheElephant 22nd Apr 17, 7:18 AM
    • 1,072 Posts
    • 5,740 Thanks
    EatingTheElephant
    Sorry to hear about your boiler, lucky that it saw out the winter. I'm sure you will be back on track in no time.
    • atypicalblonde
    • By atypicalblonde 23rd Apr 17, 7:51 AM
    • 2,291 Posts
    • 13,925 Thanks
    atypicalblonde
    Got loads done yesterday, cleaned all the kitchen cupboards out throughly and DH has a load of stuff ready to go to the tip. Listed some stuff on gumtree as free (old plant pots and the like), it was all collected within the hour!

    Today's plan is to wash our bedding then get everything ready for school / preschool tomorrow. A walk will be factored in at some point too, as well as slow cooked beef brisket that never materialised yesterday as we used the pork mince to make burgers.

    Will email back about the new boiler today to ask for a bit of money off - as Martin would say, the worst they can do is say no....

    Have marvellous days all x
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 5.6.17 - £123,900
    Aiming to be MF 1.10.2020
    • themadvix
    • By themadvix 24th Apr 17, 2:25 PM
    • 948 Posts
    • 4,878 Thanks
    themadvix
    Sorry to hear about the boiler ATB! That really is typical though, isn't it?

    Sounds like you had a productive weekend and here's hoping there's a bit of wiggle room on the price of the new boiler.
    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 24th Apr 17, 7:13 PM
    • 2,291 Posts
    • 13,925 Thanks
    atypicalblonde
    £200 knocked off the price of the boiler, and it's being fitted this Friday. Budget looking ok though so mustn't grumble. Ive gone sugar free - 24 hours so far, the headaches are something else!
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 5.6.17 - £123,900
    Aiming to be MF 1.10.2020
    • atypicalblonde
    • By atypicalblonde 25th Apr 17, 10:53 AM
    • 2,291 Posts
    • 13,925 Thanks
    atypicalblonde
    Morning All,

    Having a much needed few hours at home, just me and DS. I will be working for the rest of the week so really wanted a pottering around the house kind of day.

    Looking back at my to-do list:

    - Open Leeds BS 4 year fixed isa (1.45%, much better than our current rate
    ) - PAPERS SENT OFF SO WILL CLASS AS DONE
    - Top savings pot up to £1750 DONE
    - chase up consultancy work DONE - WILL BE PAID THIS WEEK
    - Achieve 4 NSDs - DOG GROOMER YESTERDAY AND TOP UP SHOP TODAY. MAYBE TOMORROW?!
    - use up pork mince that has been in the freezer for ages DONE
    - choose wallpaper for bedroom ON HOLD FOR NOW

    Right, I am off to scrub the shower screen and sort some laundry out xx
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 5.6.17 - £123,900
    Aiming to be MF 1.10.2020
    • Moominmamma89
    • By Moominmamma89 25th Apr 17, 12:07 PM
    • 176 Posts
    • 299 Thanks
    Moominmamma89
    Hope your headache improves soon - I gave up fizzy drinks a few years ago (only have a glass or two at the weekend now) and the headache was awful for about 3 days no headache tablet helped. Hopefully yours will be gone sooner x
    Outstanding Mortgage - 141,617.85 (74% LTV)
    Current end date: March 2041 (originally August 2044)
    • FloppyDisk
    • By FloppyDisk 25th Apr 17, 12:08 PM
    • 451 Posts
    • 3,438 Thanks
    FloppyDisk
    Well done for negotiating the cost down on the boiler, do you thing your bills might reduce wig a new one?
    MFW July 2012 £139,642 /
    Aug 2017 £112,526
    • atypicalblonde
    • By atypicalblonde 25th Apr 17, 12:24 PM
    • 2,291 Posts
    • 13,925 Thanks
    atypicalblonde
    Thanks both. the headache has eased a little bit so fingers crossed! I am definitely suffering with cravings though - I could happily eat a whole packet of biscuits right now but I won't

    Floppydisk - I think it may do - we have a large-ish house, and I am assuming the current older boiler will have to work very very hard to heat the house, so the new one should be much more efficient x
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 5.6.17 - £123,900
    Aiming to be MF 1.10.2020
    • crunch_time
    • By crunch_time 26th Apr 17, 6:57 AM
    • 949 Posts
    • 2,378 Thanks
    crunch_time
    Glad the headache is better.

    Gave up coffee last week. The headache was awful!! Lasted 4 days. I had to have 1.5 days off work!! I now have enlarged tonsils and ulcers all over my tongue so it must have triggered something. God knows what the coffee was suppressing!

    Apart from my mouth I feel amazing though.

    Sugar will be next in the list. How 'hardcore' have you gone?

    Crunchy x
    LBM June 2014.
    Original debt £23,555 vs Now £0

    PAYDBX 2017 - #85 £12,675/£2800 77% Paid!! (Currently on hold due to......)
    Husbands Credit card (0%)£3020 My Credit card (0%) £1176
    Savings pot £550 Long term savings (finally) £840
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