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  • FIRST POST
    • atypicalblonde
    • By atypicalblonde 28th Sep 16, 2:14 PM
    • 2,239Posts
    • 13,377Thanks
    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 30
    • shangaijimmy
    • By shangaijimmy 15th Jun 17, 9:49 PM
    • 2,004 Posts
    • 8,521 Thanks
    shangaijimmy
    I've caught up whilst watching golf! Fantastic progress made, as expected. All that earlier talk about using up cupboard and freezer supplies, but we have no chance. Mrs SJ is on permanent preparation mode for when the zombie apocalypse happens. We have more beans and spaghetti hoops that Aldi!
    MFW: Turning June 2036 into March 2023...
    28//120 Payments Challenge, Diary Reduction £29,621.76
    Aug 2009: £163,051 // Current: £106,378.27 // Avg Daily Interest £4.78
    MFiT-T4 #8 - 42.45% of £41,000
    • atypicalblonde
    • By atypicalblonde 16th Jun 17, 9:48 AM
    • 2,239 Posts
    • 13,377 Thanks
    atypicalblonde
    Oooh SJ we are running low on spaghetti hoops, I'll trade you for some tortilla wraps

    I need to make an extra £600 this month to get us to our £4k target. Been asked to cat sit next week which will boost the coffers

    Also got two bits to ebay - will list those before I head back out today. To know that, on the basis of mortgage minus savings, we will be in the teens by the end of the month is just brilliant. To know that we will be in five figures by January makes me so happy and the thought of it re-focuses the mind when this journey seems tough.
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 5.6.17 - £123,900
    Aiming to be MF 1.10.2020
    • atypicalblonde
    • By atypicalblonde 18th Jun 17, 7:52 AM
    • 2,239 Posts
    • 13,377 Thanks
    atypicalblonde
    Morning All

    Went out on Friday night, had one too many glasses of wine then yesterday we were at a family wedding and I seemed to have yet more wine

    I thought it would be fine, as kiddies didn't go to bed until 10 last night, but good old DS still got up at 5.45.... Anyway, I've had three cups of builders tea so feeling a bit more chipper. DH snoring his head off.

    Kiddies already playing outside on the decking. DH leaving for work at 3pm (away all week, again...) so we will potter, get the paddling pool out and I might try and sneak a nap in before he goes.

    I've no idea what we spent at the wedding yesterday but a good time was had by all so it really doesn't matter.

    I seem to have lost track completely of where our money is going this month, bad ATB. So long as we hit our target of being in the teens by month end it doesn't really matter....
    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 Jun 17, 7:58 AM
    • 2,239 Posts
    • 13,377 Thanks
    atypicalblonde
    Morning All

    Up and at 'em this morning, I LOVE this weather. House is tidy, WM is on, kiddies are fed and dressed. I have some work to do this morning, then will go to DD school for a parent picnic lunch

    I have been paid for the cat sitting I am doing this week, so will shuffle that over to savings. I need to do more Matched Betting, I made such a good start with it and earnt over £300 really quickly, I am going to designate some time specifically to it this week.

    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 19th Jun 17, 10:16 AM
    • 897 Posts
    • 4,370 Thanks
    themadvix
    Sounds like you had a good weekend and some well-deserved time off from watching the pennies and like you're now back at it!

    Enjoy the picnic!
    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 20th Jun 17, 4:42 PM
    • 2,239 Posts
    • 13,377 Thanks
    atypicalblonde
    Cat sitting money shuffled to the savings pot. Feeling tired today - none of us are sleeping to well in this heat. Much as I love it, at night a fan just doesn't cut it - we need air con!

    Kiddies just having tea then it's into the bath for them. I think I will follow suit and have a nice relaxing bath tonight, a cool one mind.
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 5.6.17 - £123,900
    Aiming to be MF 1.10.2020
    • wantabetterlife
    • By wantabetterlife 20th Jun 17, 10:32 PM
    • 1,219 Posts
    • 5,453 Thanks
    wantabetterlife
    No 26 with June o/p of £240 ��
    Mortgage £177,750£169,279
    Overpayments 2016 £2053.58 2017 #26 £1716.29
    Daily interest £19.91 £19.02
    BUY TO LET MORTGAGE £111408 £109975 £105856
    4.91% paid
    Saving £1130
    • atypicalblonde
    • By atypicalblonde 21st Jun 17, 7:43 AM
    • 2,239 Posts
    • 13,377 Thanks
    atypicalblonde
    No 26 with June o/p of £240 ��
    Originally posted by wantabetterlife
    I think you've posted on the wrong thread

    Really quick one from me, full day of small business work so I have made a packed lunch and got myself organised. It is meant to be sweltering today so I will drink plenty of water too.

    Will report back later, have fab days all 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 21st Jun 17, 9:44 AM
    • 340 Posts
    • 1,376 Thanks
    Jessy103
    Hi ATB, saw a great tip the other day that is meant to help you sleep in this heat that I'm going to try. Fill a bottle of water, put it in the freezer to freeze and then before bed put it infront of the fan, it then blows the cold air that comes from the frozen bottle of water and also if you have a hot water bottle then fill that with cold water to take to bed with you. x
    Original Mortgage Amount 2007 - £87,310.50
    Mortgage Amount April 2017 - £64,990.00
    Overpayment Target for 2017 - £5,000 /£2,672.76
    Jan - £873.26 Feb - £185.38 March - £269.07 April - £193.66 May - £467.64 June - £407.79 July - £275.96
    • atypicalblonde
    • By atypicalblonde 25th Jun 17, 7:00 AM
    • 2,239 Posts
    • 13,377 Thanks
    atypicalblonde
    Useless diarist checking in

    In my defence, I am currently looking after not only my two kiddies but my niece and nephew all weekend, solo, as DH working away. Four kids under 6 so I am a little preoccupied!

    I think we may fall short of our June savings target by £100, which is frustrating, however it is because I am having my hair done this week (long overdue cut, colour and toner) so it's my "fault". I LOVE having my hair done and feel much brighter when it's done (my hair is naturally very light blonde, but I have a toner put on it at the moment to make it a more silvery colour - sounds awful but it is really lovely!)

    Have a great day x
    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 25th Jun 17, 8:26 AM
    • 2,038 Posts
    • 9,246 Thanks
    A Frayed Knot
    We all work very hard to be MF, but we need to remember we all need a "pick me up" every now and then. So don't feel guilty, the "feel good factor" is a must to keep going.

    You are doing so well.
    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
    • hiddenshadow
    • By hiddenshadow 25th Jun 17, 11:56 AM
    • 2,158 Posts
    • 9,718 Thanks
    hiddenshadow
    Good luck managing all the kids!
    MFW: Dec '13 £197,100 / Dec '14 £180,691 / Dec '15 £161,669 / Dec '16 £119,669 / July '17 £109,097
    Payment 42/84 / 2017 MFW #56: £10,572/£20,000 52% / MFiT-T4 #15: £50,403/£90,000 56%
    • shangaijimmy
    • By shangaijimmy 25th Jun 17, 8:25 PM
    • 2,004 Posts
    • 8,521 Thanks
    shangaijimmy
    I'm sure you back heeled it...!
    MFW: Turning June 2036 into March 2023...
    28//120 Payments Challenge, Diary Reduction £29,621.76
    Aug 2009: £163,051 // Current: £106,378.27 // Avg Daily Interest £4.78
    MFiT-T4 #8 - 42.45% of £41,000
    • Jessy103
    • By Jessy103 3rd Jul 17, 11:35 AM
    • 340 Posts
    • 1,376 Thanks
    Jessy103
    Hi ATB! Hope you're ok? I'm missing your posts!! x
    Original Mortgage Amount 2007 - £87,310.50
    Mortgage Amount April 2017 - £64,990.00
    Overpayment Target for 2017 - £5,000 /£2,672.76
    Jan - £873.26 Feb - £185.38 March - £269.07 April - £193.66 May - £467.64 June - £407.79 July - £275.96
    • atypicalblonde
    • By atypicalblonde 3rd Jul 17, 4:50 PM
    • 2,239 Posts
    • 13,377 Thanks
    atypicalblonde
    Hi ATB! Hope you're ok? I'm missing your posts!! x
    Originally posted by Jessy103
    Hi sweetie, thanks for thinking of me. Yes I am still here, just lots going on. I am well overdue a "proper" post so will log on and post properly tomorrow 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 11th Jul 17, 4:30 PM
    • 2,239 Posts
    • 13,377 Thanks
    atypicalblonde
    Hi everyone

    Sorry I have been absent for a while. RL has thrown me some really s****y curveballs, and there has been a lot to deal with. Needless to say I have been busy dealing with those, as well as trying to earn money, be a good mummy and wife and keep on track with the house!

    So, where are we. Mortgage as at today's date stands at £123,537.38. As you know, we can't make any more OPs this year so are saving. Savings total is £3,750. So on paper we are in the teens

    I missed our June target by £250, but *should* be able to make July's target.

    Still being frugal, still chucking all we can into the savings pot, cannot wait to be MF now - DH work is so exhausting, it gives me great motivation to keep going.

    I promise to try and post more regularly 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 11th Jul 17, 6:37 PM
    • 340 Posts
    • 1,376 Thanks
    Jessy103
    Woohoo you're back!!! Sorry to hear it's been a bit pants lately and hope it's all on the up from now on! Congratulations on the mortgage figure and I'm sure you'll be MF by your target, if not before! Take care xxx
    Original Mortgage Amount 2007 - £87,310.50
    Mortgage Amount April 2017 - £64,990.00
    Overpayment Target for 2017 - £5,000 /£2,672.76
    Jan - £873.26 Feb - £185.38 March - £269.07 April - £193.66 May - £467.64 June - £407.79 July - £275.96
    • atypicalblonde
    • By atypicalblonde 12th Jul 17, 8:10 AM
    • 2,239 Posts
    • 13,377 Thanks
    atypicalblonde
    Thanks Jessy xx

    Really quick one from me this morning. We will be at £4k savings by the end of the week and I have put a spag bol in the slow cooker for tonight's dinner. Will dig some garlic bread out of the freezer to defrost in a sec.

    Have great 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 12th Jul 17, 9:25 AM
    • 897 Posts
    • 4,370 Thanks
    themadvix
    Hope things improve for you now ATB, it's good to have you back

    4k in savings is great
    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
    • hiddenshadow
    • By hiddenshadow 12th Jul 17, 6:50 PM
    • 2,158 Posts
    • 9,718 Thanks
    hiddenshadow
    Good to see you back. Congrats on reaching the teens! You'll be at 5 digits in no time.
    MFW: Dec '13 £197,100 / Dec '14 £180,691 / Dec '15 £161,669 / Dec '16 £119,669 / July '17 £109,097
    Payment 42/84 / 2017 MFW #56: £10,572/£20,000 52% / MFiT-T4 #15: £50,403/£90,000 56%
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