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    • atypicalblonde
    • By atypicalblonde 28th Sep 16, 2:14 PM
    • 2,028Posts
    • 11,457Thanks
    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 22.3.17 - £129,998.19
    Look after the pennies and the pounds will take care of themselves
Page 25
    • atypicalblonde
    • By atypicalblonde 19th Apr 17, 6:44 PM
    • 2,028 Posts
    • 11,457 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 22.3.17 - £129,998.19
    Look after the pennies and the pounds will take care of themselves
    • atypicalblonde
    • By atypicalblonde 20th Apr 17, 8:41 PM
    • 2,028 Posts
    • 11,457 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 22.3.17 - £129,998.19
    Look after the pennies and the pounds will take care of themselves
    • Jessy103
    • By Jessy103 20th Apr 17, 9:00 PM
    • 201 Posts
    • 679 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 April 2017 - £64,990.00
    Overpayment Target for 2017 - £5,000 /£1,521.37
    Jan - £873.26 Feb - £185.38 March - £269.07 April - £193.66
    • atypicalblonde
    • By atypicalblonde 21st Apr 17, 7:25 AM
    • 2,028 Posts
    • 11,457 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 22.3.17 - £129,998.19
    Look after the pennies and the pounds will take care of themselves
    • A Frayed Knot
    • By A Frayed Knot 21st Apr 17, 8:47 AM
    • 1,908 Posts
    • 8,728 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
    • Watty1
    • By Watty1 21st Apr 17, 11:17 AM
    • 2,713 Posts
    • 18,876 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
    • 2,028 Posts
    • 11,457 Thanks
    atypicalblonde
    Boiler condemned. Off to cry into a (small) glass of wine.....
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 22.3.17 - £129,998.19
    Look after the pennies and the pounds will take care of themselves
    • Watty1
    • By Watty1 21st Apr 17, 5:01 PM
    • 2,713 Posts
    • 18,876 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
    • 2,028 Posts
    • 11,457 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 22.3.17 - £129,998.19
    Look after the pennies and the pounds will take care of themselves
    • Jessy103
    • By Jessy103 21st Apr 17, 6:23 PM
    • 201 Posts
    • 679 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 April 2017 - £64,990.00
    Overpayment Target for 2017 - £5,000 /£1,521.37
    Jan - £873.26 Feb - £185.38 March - £269.07 April - £193.66
    • atypicalblonde
    • By atypicalblonde 22nd Apr 17, 6:59 AM
    • 2,028 Posts
    • 11,457 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 22.3.17 - £129,998.19
    Look after the pennies and the pounds will take care of themselves
    • EatingTheElephant
    • By EatingTheElephant 22nd Apr 17, 7:18 AM
    • 813 Posts
    • 4,018 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
    • 2,028 Posts
    • 11,457 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 22.3.17 - £129,998.19
    Look after the pennies and the pounds will take care of themselves
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