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  • FIRST POST
    • atypicalblonde
    • By atypicalblonde 28th Sep 16, 2:14 PM
    • 2,556Posts
    • 16,419Thanks
    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 17.11.17 - £119,999.04
    Aiming to be MF 1.10.2020
Page 39
    • atypicalblonde
    • By atypicalblonde 17th Nov 17, 5:04 PM
    • 2,556 Posts
    • 16,419 Thanks
    atypicalblonde
    Busy busy few days working for DH business.

    VAT return done (£11k owed), tax returns done and submitted (£2.5k owed), basically we owe lots in January! All accounted for thankfully, oh but how I would like to use that money to OP instead!

    So it's Friday night, DH is out with his mate at the pub (me, jealous? Never....), kiddies are eating a pizza and I've just ordered a takeaway for delivery at 7

    Should be MSE and turn the heating off, but the wood burner needs a sweep and I really CBA so heating it is.

    Life sh!te still niggling, part of which is a non payer for DH business. We get one a year on average, always around this time too. Sigh.

    On a very MSE note, I am going to attempt to home colour my hair tomorrow, wish me luck! Also DD needs a new coat, so am scouring charity shops for one age 6-7. Might get lucky!
    Last edited by atypicalblonde; 17-11-2017 at 5:09 PM.
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 17.11.17 - £119,999.04
    Aiming to be MF 1.10.2020
    • atypicalblonde
    • By atypicalblonde 17th Nov 17, 6:52 PM
    • 2,556 Posts
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    atypicalblonde
    I may have just made an OP...... we are in the TEENS
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 17.11.17 - £119,999.04
    Aiming to be MF 1.10.2020
    • shangaijimmy
    • By shangaijimmy 17th Nov 17, 8:43 PM
    • 2,281 Posts
    • 10,616 Thanks
    shangaijimmy
    Yay to the teens... now i know that you'll know already...so when will you hit the noughts??
    MFW: Turning June 2036 into March 2023... 33//120 Payments Challenge, Diary Reduction £35,448.08
    Aug 2009: £163,051 // Current: £100,551.94 // Avg Daily Interest £4.52
    MFiT-T4 #8 - 56.74% of £41,000
    • atypicalblonde
    • By atypicalblonde 18th Nov 17, 8:28 AM
    • 2,556 Posts
    • 16,419 Thanks
    atypicalblonde
    Yay to the teens... now i know that you'll know already...so when will you hit the noughts??
    Originally posted by shangaijimmy
    We have the money saved to be in the noughts now, but until x3 life sh!te things get sorted that's staying where it is for now. Not beyond the realms of possibility all three things could be sorted this week, so we shall see...

    Mr ATB went to the pub last night for 'a couple' and rolled in at 12 he's still in bed and is very definitely on kiddie get-up duty tomorrow!

    Kids watching Matilda, I need more tea then will get breakfast ready. Low spend day - driving to see family in Manchester so need some fuel but already have wine and flowers to take for DH aunty.
    Last edited by atypicalblonde; 18-11-2017 at 9:16 AM.
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 17.11.17 - £119,999.04
    Aiming to be MF 1.10.2020
    • Botherthatcat
    • By Botherthatcat 18th Nov 17, 9:37 AM
    • 30 Posts
    • 73 Thanks
    Botherthatcat
    Ah yes, Mr BTC will also be on child duty tomorrow morning as he also had a few drinks last night with me being the delegated driver


    Well done on getting your Christmas gifts wrapped - that is some serious organisation. Have a lovely weekend x
    • michelle09
    • By michelle09 18th Nov 17, 12:36 PM
    • 470 Posts
    • 1,856 Thanks
    michelle09
    Good luck on the home colouring! It's really not too bad if you go for one shade all over, I used to henna mine regularly. Just did it on a day I was planning to housework as it had to cook for 4 hours. Sure you will be fine.

    Well done on the teens, that's wonderful news!
    • hiddenshadow
    • By hiddenshadow 19th Nov 17, 1:16 PM
    • 2,304 Posts
    • 10,335 Thanks
    hiddenshadow
    Congrats on reaching the teens!
    MFW: Dec '13 £197,100 / Dec '14 £180,691 / Dec '15 £161,669 / Dec '16 £119,669 / Dec '17 £104,645
    2017 MFW #56: £15,022/£15,000 100% / MFiT-T4 #15: £54,854/£90,000 60%
    • atypicalblonde
    • By atypicalblonde 19th Nov 17, 3:12 PM
    • 2,556 Posts
    • 16,419 Thanks
    atypicalblonde
    Hair home coloured with DH help and I'm delighted I have long, very light blonde hair but have opted for the 'trendy' bright white look (sound awful, it's actually lovely). Had it done at a salon and it was lush but at £80 a pop it's a lot. This colour cost £4 and it's ace

    NSD today , we are about the watch The Polar Express. Had a long walk with the dog, so chilling time now.

    Positive vibes needed please for life carp to be sorted this week xx
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 17.11.17 - £119,999.04
    Aiming to be MF 1.10.2020
    • shangaijimmy
    • By shangaijimmy 19th Nov 17, 8:10 PM
    • 2,281 Posts
    • 10,616 Thanks
    shangaijimmy
    All positivity winging its way over!
    MFW: Turning June 2036 into March 2023... 33//120 Payments Challenge, Diary Reduction £35,448.08
    Aug 2009: £163,051 // Current: £100,551.94 // Avg Daily Interest £4.52
    MFiT-T4 #8 - 56.74% of £41,000
    • atypicalblonde
    • By atypicalblonde 21st Nov 17, 7:16 AM
    • 2,556 Posts
    • 16,419 Thanks
    atypicalblonde
    Morning all,

    One piece of niggly stuff (DH non payer) has paid up, hurrah! V strong email about other issue sent yesterday afternoon so fingers crossed for a resolution today.

    Spent some cash yesterday - DH going on a stag do in June and we had to pay another £50 towards that. We are also going away on Friday for the night to a concert so had to book train tickets (hotel already pre-paid). Taking my grandma shopping this morning, need to pick up some gin as a birthday present but that should be it.

    Have lovely MFW days all x
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 17.11.17 - £119,999.04
    Aiming to be MF 1.10.2020
    • shangaijimmy
    • By shangaijimmy 21st Nov 17, 7:24 AM
    • 2,281 Posts
    • 10,616 Thanks
    shangaijimmy
    A great start to the week! What concert is it , who are you watching?
    MFW: Turning June 2036 into March 2023... 33//120 Payments Challenge, Diary Reduction £35,448.08
    Aug 2009: £163,051 // Current: £100,551.94 // Avg Daily Interest £4.52
    MFiT-T4 #8 - 56.74% of £41,000
    • shangaijimmy
    • By shangaijimmy 21st Nov 17, 8:02 AM
    • 2,281 Posts
    • 10,616 Thanks
    shangaijimmy
    Hmmmm.... I'll just say that it sounds intriguing
    MFW: Turning June 2036 into March 2023... 33//120 Payments Challenge, Diary Reduction £35,448.08
    Aug 2009: £163,051 // Current: £100,551.94 // Avg Daily Interest £4.52
    MFiT-T4 #8 - 56.74% of £41,000
    • themadvix
    • By themadvix 22nd Nov 17, 10:43 AM
    • 1,149 Posts
    • 6,711 Thanks
    themadvix
    Great news about the non-payer! Hope you get the other thing resolved today.
    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 22nd Nov 17, 10:55 AM
    • 2,556 Posts
    • 16,419 Thanks
    atypicalblonde
    Great news about the non-payer! Hope you get the other thing resolved today.
    Originally posted by themadvix
    Thank you, me too. It has rumbled on for months now and quite frankly I could do without the hassle!

    DH has no work today and is at home. He is grumpy as it means no money coming in; I try to remind him that he works sooooo hard he is allowed the rest! That said, I have given him a list of household jobs to do so he has trundled off to Screwfix!

    Lunch and dinner will be from the stores, and we will light the fire soon I think as the wind is really whipping round the house.

    Best crack on, have brilliant MFW days all xx
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 17.11.17 - £119,999.04
    Aiming to be MF 1.10.2020
    • atypicalblonde
    • By atypicalblonde 22nd Nov 17, 9:27 PM
    • 2,556 Posts
    • 16,419 Thanks
    atypicalblonde
    Well I am delighted to report that the remaining life niggle has finally been sorted today I honestly can't describe the relief I feel! As such have been a bit giddy this afternoon, and am now worn out and in bed.

    In MFW news, today was a very low spend day (cereal and milk), and I plan on taking the cash out tomorrow that we need for our Friday night jaunt away. That way, when I log onto online banking tomorrow night, everything should be up straight and my actual balance will correlate with my available balance (it does niggle me that FD don't list what debit card transactions are pending out of your account, Lloyds can manage it in hubby's business account so why can't FD, who are so good in all other areas?)

    Busy day head tomorrow, as well as work I am going volunteering, to collect some more freebie kindling wood from local chap and need to fit in a swim and walking the dog at least once. Steps are only at 12k today and as I aim for at least 15k a day am cross with self.

    Right, my new (library ) book is calling, goodnight all x
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 17.11.17 - £119,999.04
    Aiming to be MF 1.10.2020
    • atypicalblonde
    • By atypicalblonde 23rd Nov 17, 10:52 AM
    • 2,556 Posts
    • 16,419 Thanks
    atypicalblonde
    Morning All,

    Just a quick check in from me before I go volunteering. Had a lovely swim this morning, only managed 15 lengths but I am trying to build my fitness up each time. Only at 5k steps so far though

    Need to head out for an hour now then will be home for lunch and to crack on with work. Will sort an OP too
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 17.11.17 - £119,999.04
    Aiming to be MF 1.10.2020
    • greent
    • By greent 23rd Nov 17, 4:01 PM
    • 6,515 Posts
    • 65,746 Thanks
    greent
    greent - please don't think me a complete weirdo but I am actually in the process of reading your diary from the beginning! It has been motivating me these past few days

    C4C bags netted us £18 which I am mightily about. Need to pay that and some other cash into the bank tomorrow, then will shuffle it into the pot. Also sold one of DS baby items to a friend, so that is £10 to shuffle.

    If we keep up the savings and selling as are doing, we will be at 5 figures by our diary anniversary at the start of February

    Currently waiting to live chat with Sky - our contract has come to an end and I want to re-negotiate....

    ETA - our Sky package was due to go up to £55 at the end of the month. We do use it a lot, especially for Movies and kids shows, so was keen to renegotiate and stay with them. Negotiated a reduction down to £35 per month
    Originally posted by atypicalblonde
    Glad someone has found my witterings motivating!

    Great recent results on ebay/ facebook sales - I have a massive box of Oct0nauts (some with boxes) I need to get listed next week so they hopefully sell before Xmas!

    Struck gold in a charity shop today - got some Disney Store disney princess dresses for £1 - result!

    I do feel a bit flat about our journey though. The mountain still seems so high to climb - will we ever get there? The need to get into 5 figures to make it psychologically easier is huge x
    Originally posted by atypicalblonde
    Fab dressing up finds! They'll re-sell nicely on ebay/ facebook (and at a profit!) when you've finished with them too

    Look at what you've achieved in such a short space of time already - sometimes we're in such a hurry to get to the next hurdle that we don't appreciate just how far we've already come

    The postman today brought us a tax refund cheque for £280, thanks HMRC (it's very very rare I say that!). The most exciting bit, though, was when I told DH and his response was 'well why don't you make that lump sum OP you've been wittering about, and the taxman is basically paying the penalty amount'

    Well I nearly fell off my chair that DH has a) actually been listening to all of my wittering and b) that he didn't just say 'ooooh, free money, lets go out for a meal / go shopping /'. How his mindset has changed! He's always been on board but in a kind of 'you sort it all out dear and I'll just nod my head and go along with it' way.

    As I said up thread, the psychological need to be under £100k is huge for me. Don't ask why, it just is. Something to ponder on tomorrow that's for sure x
    Originally posted by atypicalblonde
    Yeay for tax rebates - and for OH's getting on board!

    The move from 6 figures to 5 is more than just the couple of £ to take you there - I totally get the psychological need for that one x

    Glad to hear all life niggles are now sorted
    x
    Last edited by greent; 23-11-2017 at 4:03 PM.
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) Bal 01/09 £124616 01/10 £104927 01/11 £89873 01/12 £76317 01/13 £52546 01/14 £35356 01/15 £12133 07/15 £NIL
    Next: BTL Mtge 12/16 £69786. 2017 OPs (#18) £5278/£3286
    Net sales 2017 £1445.57/£500 PAYDOX17 £12239/£10k Decluttered 1870/2017 items
    • atypicalblonde
    • By atypicalblonde 6th Dec 17, 1:52 PM
    • 2,556 Posts
    • 16,419 Thanks
    atypicalblonde
    As is often the case as Christmas draws closer, the time just seems to be zipping by and I haven't had as much chance to post.

    November was very much a money-leaking month; so much to pay out for, but December is looking much calmer. All presents are done and wrapped, we don't send Christmas cards and in-laws have bought Christmas jumpers for the kids so we didn't have to!

    OP made of £820 this morning. By my estimation, when we take on a new 2 year fix next year (which will be our final mortgage product if all goes to plan!) our LTV will be such that we will be able to get the best rate on offer. Happy days.

    Will make another OP tomorrow, best shake a leg now and get myself to school Christmas fair!
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 17.11.17 - £119,999.04
    Aiming to be MF 1.10.2020
    • atypicalblonde
    • By atypicalblonde 7th Dec 17, 10:13 AM
    • 2,556 Posts
    • 16,419 Thanks
    atypicalblonde
    Today will be a NSD, and I am just about to make another OP. It is blowing a gale here and verrry cold, but I must head off shortly to go volunteering.

    Nothing too exciting to report from ATB towers, just keeping on keeping on! x
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 17.11.17 - £119,999.04
    Aiming to be MF 1.10.2020
    • atypicalblonde
    • By atypicalblonde 7th Dec 17, 1:08 PM
    • 2,556 Posts
    • 16,419 Thanks
    atypicalblonde
    Made an OP of £1k, then a friend transferred £50 to me which they owed so that has been OPd too. Although I'm fully aware I'll incur a small penalty for OPing between now & January, I just don't care
    - the psychological benefit of OPing is far greater for me.

    Will squeeze in another dog walk before school run time (the school day seems so short sometimes!) to get daily steps almost to 15k
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 17.11.17 - £119,999.04
    Aiming to be MF 1.10.2020
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