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  • FIRST POST
    • atypicalblonde
    • By atypicalblonde 28th Sep 16, 2:14 PM
    • 1,616Posts
    • 8,506Thanks
    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 3.11.16 - £139,251.40
Page 4
    • atypicalblonde
    • By atypicalblonde 16th Oct 16, 7:46 AM
    • 1,616 Posts
    • 8,506 Thanks
    atypicalblonde
    Morning

    £5 account tidy done. I must sort out my nectar card today - update address and link to credit card, can't have all those lovely potential points going to waste!

    Have peaceful Sundays all X
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 3.11.16 - £139,251.40
    • atypicalblonde
    • By atypicalblonde 16th Oct 16, 8:06 AM
    • 1,616 Posts
    • 8,506 Thanks
    atypicalblonde
    Just checked and my old mobile phone will net me the princely sum of £11 from music magpie, so that's another job for the list today x
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 3.11.16 - £139,251.40
    • Moneyfordreams
    • By Moneyfordreams 16th Oct 16, 9:22 AM
    • 645 Posts
    • 3,044 Thanks
    Moneyfordreams
    The memory of the terrible twos's made me shudder, We're babysitting our GD later (aged 2 & 3/4). I hope she is in her happy place
    Mortgage Feb '13 £200000, end 2038. Aiming for before March 2025 (crunched to 2034)
    January 16 £182800 : minimum £360 OP but needs to be £600 to achieve 2025
    Current mortgage £168060
    Car loan finished oct 16
    h@lifax CC £5360 0% until May 2018.. will pay minimum for now, slow stooze
    • atypicalblonde
    • By atypicalblonde 17th Oct 16, 7:21 AM
    • 1,616 Posts
    • 8,506 Thanks
    atypicalblonde
    Morning, quick update:

    - NSD ahead
    - Dinner out defrosting already
    - Nectar card link to Sainsburys credit card so I can start to accrue points
    - No pennies to tidy to mortgage sadly

    That's not a very exciting update is it but I suppose a perfect example of the small things that we do on this journey to help us achieve out ultimate aim of being MF

    best get kiddies sorted x
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 3.11.16 - £139,251.40
    • atypicalblonde
    • By atypicalblonde 17th Oct 16, 4:27 PM
    • 1,616 Posts
    • 8,506 Thanks
    atypicalblonde
    I've had two very interesting conversations today with a close friend and a member of the family.

    My friend hasn't got much money, and veers from being super frugal to super extravagant. She told me today she is booking a holiday for next year as she needs something to look forward to, and is putting it on the credit card. Family member told me they are doing work to the house in the next month, which they can't afford on paper so they are taking out personal loans and extending the CC limit to pay for it.

    Both scenarios made me inwardly quite stressed - my mindset about money has changed so much since we started this journey, I honestly can't imagine being in either situation voluntarily. We were chatting yesterday about our plans when we are mortgage free - the first thing we will do is buy a bottle of Laurent Perrier, our ultimate favourite xx

    ETA - Read this earlier, and it inspired me:

    "Don't downgrade your dream to match your reality. Upgrade your conviction to match your destiny"
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 3.11.16 - £139,251.40
    • Jessy103
    • By Jessy103 17th Oct 16, 4:37 PM
    • 64 Posts
    • 192 Thanks
    Jessy103
    Hi, just wanted to say I've really enjoyed reading your posts and have subscribed! Good luck with your mortgage free journey! Jess
    • atypicalblonde
    • By atypicalblonde 17th Oct 16, 5:04 PM
    • 1,616 Posts
    • 8,506 Thanks
    atypicalblonde
    Thanks Jess If you haven't already, I would strongly recommend starting your own diary, it is a great motivator. I have spent absolutely nada today, and plan on spending nothing tomorrow either.

    I will need some fuel on Wednesday, tempted just to put a fiver in as that's all I will need for the rest of the week however it does remind me of when I had my first car and that was all I could afford to put in it

    I am child-minding my nephew overnight and tomorrow in addition to my 2. Might have a beer soon to see me through the bedtime routine of 3 under 5s on my own x
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 3.11.16 - £139,251.40
    • BachSoon
    • By BachSoon 17th Oct 16, 6:03 PM
    • 39 Posts
    • 73 Thanks
    BachSoon
    Hi ATB

    I thought I would unlurk to say hi I think you've done really well to reduce your mortgage to the level you have since your old diary began.

    The attempted burglary sounds really scary I think I'd have been glued to the spot in your circumstances.

    Yours and other MFW diaries are great commuter inspiration for actually leaving the train

    Please keep it up and I'll be reading with interest
    • jodles16
    • By jodles16 17th Oct 16, 6:57 PM
    • 1,240 Posts
    • 3,603 Thanks
    jodles16
    Hi ATB! Lovely shiny new diary!

    I mis read what you wrote about your son initially, I read 'DS is shooting up weed', so many things wrong with that imagined statement! So glad I re-read!haha. Some good OPs going through!

    Jodles
    MFW2016 #25 6969.57/3820
    MFiT #66
    Overall aim 8106/21,743 (£156,000)
    2016- Jan-£177,472, Apr-£173,195.04, July- £171,417.47 Oct- 169,366
    2017- Jan- Apr- July- Oct-

    • PrincessLou
    • By PrincessLou 17th Oct 16, 8:41 PM
    • 461 Posts
    • 1,755 Thanks
    PrincessLou

    ETA - Read this earlier, and it inspired me:

    "Don't downgrade your dream to match your reality. Upgrade your conviction to match your destiny"
    Originally posted by atypicalblonde
    Love this quote
    Mortgage - £112,900
    • atypicalblonde
    • By atypicalblonde 17th Oct 16, 8:50 PM
    • 1,616 Posts
    • 8,506 Thanks
    atypicalblonde
    All 3 kiddies successfully in bed for 7pm, go me

    I can't honestly believe my ramblings inspire anyone Bachsoon, and my all guns blazing approach to the mortgage is definitely not for everyone, but it seems to be working for us, for now!

    I have finished most of my Christmas shopping made much easier by the fact that we are all paring back this year, and making it more about spending time rather than money.

    Right, cuppa then bed, I know how to paaarttyyy x
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 3.11.16 - £139,251.40
    • atypicalblonde
    • By atypicalblonde 18th Oct 16, 8:10 AM
    • 1,616 Posts
    • 8,506 Thanks
    atypicalblonde
    Today I have a very simple goal - don't spend any money if I can nail today and Thursday as NSDs, with small spend on fuel tomorrow, I will be a very happy ATB.

    All kids slept well and we are ready for the school run. I have a big list of household chores to fly through today so that will keep me out of mischief. All meals from the fridge/freezer so no spends needed

    ATB x
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 3.11.16 - £139,251.40
    • Jessy103
    • By Jessy103 18th Oct 16, 10:59 AM
    • 64 Posts
    • 192 Thanks
    Jessy103
    Good luck with you NSDs!!!
    Jess x
    • atypicalblonde
    • By atypicalblonde 18th Oct 16, 5:25 PM
    • 1,616 Posts
    • 8,506 Thanks
    atypicalblonde
    No money spent, hurrah

    Still contemplating putting just a fiver of fuel in the car tomorrow, not sure if I dare risk the looks I'll get though

    I have the beginnings of a cold, so plenty of vitamin C and zinc needed.

    ATB x
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 3.11.16 - £139,251.40
    • atypicalblonde
    • By atypicalblonde 18th Oct 16, 6:23 PM
    • 1,616 Posts
    • 8,506 Thanks
    atypicalblonde
    £7.57 sent to the mortgage to tidy our current account up. A couple of DDs are due out tomorrow so I will be able to make a Tilly tidy then too.

    Perusing my barely used jewellery box has led to a couple of items being selected for the bay of e. They may not sell, but they are ideal Christmas gifts and in immaculate condition, just not my cup of tea. Looks like that's a little job for tonight!

    I can't tell you just how much I am looking forward to being in the 30s, that'll be a huge milestone and 5 figures will seem so much more achievable - if we can make it from the 70s to the 30s in less than 2 years, surely we can make it to 5 figures in the same amount of time...
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 3.11.16 - £139,251.40
    • Watty1
    • By Watty1 18th Oct 16, 6:47 PM
    • 2,489 Posts
    • 17,590 Thanks
    Watty1
    Absolutely sure you can. A lot of the time it is belief that makes it happen I'm reckon
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £68801
    • atypicalblonde
    • By atypicalblonde 19th Oct 16, 7:14 AM
    • 1,616 Posts
    • 8,506 Thanks
    atypicalblonde
    Thanks Watty, I think so long as our frame of mind is in the right place the journey seems more manageable. I am also a big believer in the concept of not looking at what you still have left to do, but what you have achieved so far.

    Good Morning,

    - £2.76 sent to the mortgage. My MF date jumps ever closer
    - Lunches and dinner planned from the stocks so no food spend required, save that we have run out of dog food so I will have to spend on that today.
    - I am going to put a fiver in the car - that's all the fuel I need for the coming days, so that is all I shall spend

    Didn't manage the ebay listings last night as I was re-reading Tilly's diary until late for inspiration, so that's a job for today.

    Oh, forgot to add, getting my eyebrows done later but I already have a voucher for the salon so it's free

    Have lovely days all x
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 3.11.16 - £139,251.40
    • try harder
    • By try harder 19th Oct 16, 7:27 AM
    • 179 Posts
    • 456 Thanks
    try harder
    Hi atypicalblonde ,i have been following your diaries and you are doing brilliantly ,its great reading all the diaries for inspiration ,so many good ones though ,its no wonder i never get to do any work ,i am completely addicted .Good luck with your journey.
    • McTaggus
    • By McTaggus 19th Oct 16, 3:19 PM
    • 217 Posts
    • 252 Thanks
    McTaggus

    "Don't downgrade your dream to match your reality. Upgrade your conviction to match your destiny"
    Originally posted by atypicalblonde
    Just to second Princess Lou, I love this quote. Great progress ATB! Keep up the amazing work and great diary!
    • atypicalblonde
    • By atypicalblonde 19th Oct 16, 4:30 PM
    • 1,616 Posts
    • 8,506 Thanks
    atypicalblonde
    Thanks for popping by tryharder and Mctaggus x

    Well, I caved and put £25 of fuel in. However, this is being reimbursed to me by the lovely company I do some voluntarily work for - they are giving me the cash tomorrow so as soon as I get it, I am going to pay it in and then immediately OP it. Spent all of £4 on dog food too, last of the big spenders as ever!

    NSD planned for tomorrow and Friday, there is nothing I want nor need. My mum is visiting tomorrow and she suggested we visit the local retail park (she lives in a rural area and doesnt get to go shopping much). I politely told her I really didn't fancy it, so could we catch up at home instead. Phew, she agreed x
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 3.11.16 - £139,251.40
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