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  • FIRST POST
    • atypicalblonde
    • By atypicalblonde 28th Sep 16, 2:14 PM
    • 2,093Posts
    • 11,962Thanks
    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 29.4.17 - 128,990
    Aiming to be MF 1.10.2020
Page 27
    • atypicalblonde
    • By atypicalblonde 10th May 17, 7:59 AM
    • 2,093 Posts
    • 11,962 Thanks
    atypicalblonde
    Morning all

    It's a lovely sunny day today, the washing is blowing nicely on the line already. My day consists of some work this morning, then popping to the shops for food (I think DH and the kiddies have hollow legs!) and meeting a potential new customer this evening. I also need to drop a bag of items off at the local charity shop.

    Savings pot is growing nicely - I do need to write to our mortgage provider to check how much of our OP allowance for the year we have left as I've lost track - don't want to OP the 4k at the end of the month only to be penalised for doing so! In fact will type letter quickly now and post whilst in village.

    Have fab days all x
    MFW
    Mortgage 8.2.15 - 171,064.64 Mortgage 29.4.17 - 128,990
    Aiming to be MF 1.10.2020
    • atypicalblonde
    • By atypicalblonde 13th May 17, 7:05 AM
    • 2,093 Posts
    • 11,962 Thanks
    atypicalblonde
    I sent a letter to our mortgage provider on Wednesday to clarify how much of our OP allowance we have left so watch this space.

    Small eBay sale so I will shuffle the 8 profit into savings shortly. Today's spends will just be 10 for two rib eye steaks for dinner (looking forward to these already!) from the butcher.

    keep on chipping away folks xx
    MFW
    Mortgage 8.2.15 - 171,064.64 Mortgage 29.4.17 - 128,990
    Aiming to be MF 1.10.2020
    • atypicalblonde
    • By atypicalblonde 16th May 17, 7:41 AM
    • 2,093 Posts
    • 11,962 Thanks
    atypicalblonde
    Morning all,

    Still waiting for reply from mortgage provider confirming how much of OP allowance we have left. Three items on ebay, all with starting bids of 99p, finishing on Sunday so let's see what they produce. Just shuffled 20 into savings pot. I feel like we are getting there

    Have fab days
    ATB x
    MFW
    Mortgage 8.2.15 - 171,064.64 Mortgage 29.4.17 - 128,990
    Aiming to be MF 1.10.2020
    • themadvix
    • By themadvix 17th May 17, 4:54 PM
    • 749 Posts
    • 3,029 Thanks
    themadvix
    You're definitely getting there ATB - excellent ebay sales! I must get some bits on there now I'm back from holiday.
    OPs 2017 = 2603/10000
    S&S ISA = 200/600
    OPs made 2016 = 6142.12
    Starting balance 2012: 132000; balance June 2017: 99,974
    MFW2017 no. 38
    • atypicalblonde
    • By atypicalblonde 17th May 17, 10:28 PM
    • 2,093 Posts
    • 11,962 Thanks
    atypicalblonde
    eBay bids up to 40

    Getting antsy waiting for the mortgage company to reply, don't they appreciate I want to crack on and OP

    1000 divi due from DH company at month end, and the 300 I'm owed from consultancy work will be in my account on Wednesday. As the kiddies break up next Friday for a week, I'd like to have all my financials done and up to date to allow me to enjoy a week off with them.
    MFW
    Mortgage 8.2.15 - 171,064.64 Mortgage 29.4.17 - 128,990
    Aiming to be MF 1.10.2020
    • atypicalblonde
    • By atypicalblonde 19th May 17, 7:24 PM
    • 2,093 Posts
    • 11,962 Thanks
    atypicalblonde
    Still no reply from mortgage company confirming remaining OP allowance... sigh. I know I only wrote to them a week ago so will give it another week before chasing up. We do have the 4K though ready to make the OP just want them to confirm remaining allowance so we don't end up paying a fee!

    eBay items finish on Sunday, and no spend weekend planned
    MFW
    Mortgage 8.2.15 - 171,064.64 Mortgage 29.4.17 - 128,990
    Aiming to be MF 1.10.2020
    • atypicalblonde
    • By atypicalblonde 21st May 17, 1:34 PM
    • 2,093 Posts
    • 11,962 Thanks
    atypicalblonde
    Afternoon All,

    Was up early this morning but too weary to post. I have felt quite flat for a few days, unlike me, things just seem a bit Groundhog Day-ish and constantly looking after everyone is tiring me out.

    The eBay items finish tonight so that will be nice to get some extra pennies in. Washing is on the line and there is a beef topside in the slow cooker. NSD weekend achieved x
    MFW
    Mortgage 8.2.15 - 171,064.64 Mortgage 29.4.17 - 128,990
    Aiming to be MF 1.10.2020
    • atypicalblonde
    • By atypicalblonde 22nd May 17, 7:34 AM
    • 2,093 Posts
    • 11,962 Thanks
    atypicalblonde
    eBay sales of 65
    It's sunny
    NSD ahead

    Happy Monday folks x
    MFW
    Mortgage 8.2.15 - 171,064.64 Mortgage 29.4.17 - 128,990
    Aiming to be MF 1.10.2020
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