Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • benbenandme
    • By benbenandme 27th Dec 16, 7:03 PM
    • 9,972Posts
    • 25,459Thanks
    benbenandme
    Ready to do it all over again ...
    • #1
    • 27th Dec 16, 7:03 PM
    Ready to do it all over again ... 27th Dec 16 at 7:03 PM
    Hello, thank you for popping by

    I have been a regular on the debt free diaries board for years as well as dipping in here at times. I did join in Tallgirls Mortgage Free in 3 Challenge several years ago and have had several diaries over the years. This is the first time I've had one here though despite never actually being in debt I always felt it could happen oh so easily so treated myself as if I was a dfw.

    So, 2017 and my new diary here ...

    I have lived in my lovely flat with my ds (13) for the last 9 years and finally it looks as though we will be moving in the new year. I have sold my flat to a cash buyer and have had an offer accepted on a 2 bed little house. I will probably put stuff into storage and stay with my Mum for a few weeks while the house goes through as my buyers are very keen to complete asap and I don't want to risk losing them as I have already had one sale fall through due to brexit.

    Normally at this point between Christmas and New Year I begin planning my aims for the coming year, setting goals - usually financial related, and generally getting everything organised ready to tackle whatever I have planned. This normally is a £££ goal to knock off the mortgage etc.

    This year however everything is a bit unknown as I can't predict how much I can save etc at this point. But what I can do is take stock of exactly where I'm at now and make lists, I do like lists , of things I need to do to make as many pennies as possible / minimise spends where possible.
    Mortgage Total: £75,000 £74,371 Mortgage End Date: May 2040
    Brother's loan: £1385 / £30,000
Page 14
    • benbenandme
    • By benbenandme 11th Apr 17, 2:15 PM
    • 9,972 Posts
    • 25,459 Thanks
    benbenandme
    Thanks Squirrel, I am chilling regularly, and it's making me feel more relaxed knowing I'm getting jobs done and getting the house sorted if that makes sense

    So far today I have gutted all my paperwork and put most of the old stuff in one big box at the top of my wardrobe, my box file is now set up for new paperwork stuff for the new house, so that has helped me feel more in control. I have a small pile left which is stuff that needs actioning in some way.

    I have changed my address online with a couple more places (Tesco clubcard etc). Ds and I have taken Mums mattress back to hers and we have tidied the garage up a bit, we have got all the unpacked boxes into the garden and I'm trying to slowly work my way through them.

    The ironing is still not done but am sure it can wait a bit longer
    Mortgage Total: £75,000 £74,371 Mortgage End Date: May 2040
    Brother's loan: £1385 / £30,000
    • benbenandme
    • By benbenandme 12th Apr 17, 8:42 AM
    • 9,972 Posts
    • 25,459 Thanks
    benbenandme
    Morning, last night my amazing friends came round and helped built the wardrobe doors for ds wardrobe, meaning his room is just about finished now, I'm so grateful to them

    Today ds is hoping his new computer part is delivered, so we will be indoors for a bit waiting for that. I might go and mooch the shops looking at garden furniture today and probably another tip trip with the boxes from last night.

    Quick update on the list:
    Prep and freeze parsnips DONE
    Clean the car - inside and out DONE
    Bring in suitcase & box of clothes from garage and unpack PARTLY DONE
    Another trip to the tip DONE
    Mattress to the tip DONE
    Single mattress to Mums garage DONE
    Make new filing system for new house stuff DONE
    Empty any of our stuff from Mums garage DONE
    Plan for a car boot sale
    Clean windows / Find window cleaner for conservatory
    Buy a bin for the bathroom
    Buy double plug sockets for bedrooms
    Join clicksnap DONE
    Text ex-Mil DONE
    Call hospital and chase ds appointment
    Buy a home phone
    Ironing
    Laminate new mortgage chart
    Pay in cheques
    Cash in scratchcard
    Post 2 x letters
    Pay ground rent portion from flat DONE
    Set up new dd (halifax account)
    Complete change of address stuff
    Mortgage Total: £75,000 £74,371 Mortgage End Date: May 2040
    Brother's loan: £1385 / £30,000
    • benbenandme
    • By benbenandme 13th Apr 17, 7:51 AM
    • 9,972 Posts
    • 25,459 Thanks
    benbenandme
    Morning all, last night ds and I went to buy our garden furniture, my brother was incredibly generous and gave me the money for it as a moving in present. I have been dithering for ages between wooden / rattan furniture, but decided in the end that anything with a glass topped table (most of the rattan ones) would end up reflecting the sun off it and driving me crackers. So we chose a lovely wooden set from homebase, who happen to have a voucher offer on at the moment. The table and 4 chairs came to £245, so we split it into two transactions to claim 2 x £20 vouchers which can be spent next week, so I will go back then and get the parasol (£35 - £20 voucher as you can only use one per transaction) = £15, and then I still have another £20 voucher left which will go on either teak oil for the set, some paint, plants for the garden or double plug sockets I also will have £40 of my brothers money left, he insists he doesn't want it back. I will either put it in the overpayments pot or put it towards something else for the house, I need to write another list of bits and pieces I still need to get.

    So today we will be assembling the new furniture, although the weather isn't looking great so far Ds is also still waiting for the new bit for his computer to arrive (should've been here yesterday), so hopefully that will come today.
    Other than that, some ironing, making some rock cakes or a sponge cake, paying in the cheques, cashing in the scratchcard, posting my brothers birthday card / present.

    I've already had my shower, tidied my bedroom, the kitchen and everywhere else is ready for a hoover a bit later. Cup of tea time now

    Oh, nearly forgot, importantly my first mortgage payment has gone out today, so I'm now into the £74,000's
    Mortgage Total: £75,000 £74,371 Mortgage End Date: May 2040
    Brother's loan: £1385 / £30,000
    • benbenandme
    • By benbenandme 13th Apr 17, 6:12 PM
    • 9,972 Posts
    • 25,459 Thanks
    benbenandme
    Quite a good day today, I went and got my brothers present and posted it, I also paid in the cheques. The ironing is done and I have just cashed in £10 from a survey site

    But, ds ebay purchase still hasn't arrived, so he's quite gutted as he's desperate to play on his computer and has saved hard for it. I have emailed the seller to see when it was posted but so far no response. Tomorrow and Monday are bank holidays so no post on those days, so fingers crossed it comes on Saturday or I will have one thoroughly miserable bunny on my hands
    Mortgage Total: £75,000 £74,371 Mortgage End Date: May 2040
    Brother's loan: £1385 / £30,000
    • Secret Saving Squirrel
    • By Secret Saving Squirrel 13th Apr 17, 8:34 PM
    • 3,829 Posts
    • 35,553 Thanks
    Secret Saving Squirrel
    Poor ds. Hope it turns up on Saturday.
    Paid off mortgage nine years early in 2013. Now picking and choosing our work to fit in with the rest of our lives!
    Still thrifty though, after all these years
    • benbenandme
    • By benbenandme 14th Apr 17, 12:42 PM
    • 9,972 Posts
    • 25,459 Thanks
    benbenandme
    Thanks Squirrel, still no reply from the ebay seller yet

    This morning ds and I have been and played pitch and putt golf at the local leisure centre, it was good fun and was a lovely sunny morning, we were both absolutely rubbish at first but soon got the hang of it It only cost £8 and £2 for the car park and kept us entertained for a good couple of hours

    Popped into Sainsburys on the way back as my sister announced yesterday she has got ds an easter egg (we stopped this last year as her eldest ds is now 17),but hey ho ... anyway, got both her boys an egg each, got some hot cross buns, bread, daffodils for Mum and that was another £12 gone

    Now we're about to have lunch then assemble the garden furniture. A bit of a tidy up is in order too as the place is a bit of a mess again

    I've also just done a survey and will be sent some dishwasher tablets to test for a month, so that will save me buying them
    Mortgage Total: £75,000 £74,371 Mortgage End Date: May 2040
    Brother's loan: £1385 / £30,000
    • blackcatsx2
    • By blackcatsx2 14th Apr 17, 7:12 PM
    • 52 Posts
    • 506 Thanks
    blackcatsx2
    Happy Easter. You seem to be really enjoying your new home and getting the mortgage down already - well done!
    I hope DS gets his parcel soon - it must very frustrating for him after having saved up for so long.
    I've been clearing bags in the garage - found a bag of eldest DD's shoes that she had as a teenager - very high heels, very strappy and glitzy. She is coming round at the weekend so I'll hand them back to her! Doubt she'll get much chance to wear them now though as a mum in her 30's! Not sure how they remained undiscovered for the last 2 house moves though.
    Hope you have a great weekend
    • benbenandme
    • By benbenandme 14th Apr 17, 7:35 PM
    • 9,972 Posts
    • 25,459 Thanks
    benbenandme
    Thanks Blackcats, I am feeling settled here although I'm starting to notice bits and pieces that need doing, I will probably sort myself a bumper list to work on in the summer holidays It's mainly silly things like the skirting boards need repainting or some of the garden fence panels need repainting or ds needs a lamp for his desk.

    The ebay seller still hasn't replied to my message so I'm not feeling too hopeful, they do have 100% feedback though so hopefully it will still come

    Mum popped in earlier with an Easter egg for us and £10 each, guess where mine is headed
    Mortgage Total: £75,000 £74,371 Mortgage End Date: May 2040
    Brother's loan: £1385 / £30,000
    • benbenandme
    • By benbenandme 15th Apr 17, 4:27 PM
    • 9,972 Posts
    • 25,459 Thanks
    benbenandme
    So today ... the ebay seller finally replied to say he has had flu since wednesday so hasn't sent it yet but hopes to send it today We won the item last saturday so not sure why he couldn't post it before wednesdsay??

    Bournemouth were poor against Spurs today and got thumped, but we have had Liverpool, Chelsea and Spurs in our last few games, so at least our remaining 5 are against bottom half of the table teams so hopefully we should be okay.

    In other news, I, along with millions of others, have been watching the pregnant giraffe in a zoo in America, anyway, she finally gave birth today, so I have spent hours watching a giraffes rear end and then watching the cutest baby giraffe learning to stand

    The rest of the day will be spent making a cake, then a cottage pie for dinner. I did do some washing earlier, and tidied and hoovered through.
    Mortgage Total: £75,000 £74,371 Mortgage End Date: May 2040
    Brother's loan: £1385 / £30,000
    • benbenandme
    • By benbenandme 16th Apr 17, 9:45 AM
    • 9,972 Posts
    • 25,459 Thanks
    benbenandme
    Morning all, Happy Easter!!

    Ds had a lie-in this morning (his only non paper-round day of the week), the dog and I have had a lazy mooch on the sofa, I've re-checked my monthly budget and the only proper bill I can still work on is my mobile, my contract doesn't run out until after Christmas, but then I can reduce it from £25 pm to £10 Other than that I can't work on much at the minute, I'm still waiting for electric / gas to be sorted, everything else has been redone when we moved (life insurance, contents/buildings insurance etc).

    Today I might try and stick a couple of bits on ebay, empty the washing basket (again) and enjoy a yummy roast lamb dinner
    Mortgage Total: £75,000 £74,371 Mortgage End Date: May 2040
    Brother's loan: £1385 / £30,000
    • gallygirl
    • By gallygirl 16th Apr 17, 9:59 AM
    • 16,375 Posts
    • 107,213 Thanks
    gallygirl
    I watched April give birth as well, only started watching it about 1/2 hour before it popped out so lucky with the timing! Cuteness overdose .
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    Mortgage Balance = £0
    "Do what others won't early in life so you can do what others can't later in life"
    • benbenandme
    • By benbenandme 16th Apr 17, 10:14 AM
    • 9,972 Posts
    • 25,459 Thanks
    benbenandme
    Good timing Gallygirl, I've been watching her daily since February Lots of time spent waiting and waiting but actually it's quite relaxing too
    Mortgage Total: £75,000 £74,371 Mortgage End Date: May 2040
    Brother's loan: £1385 / £30,000
    • benbenandme
    • By benbenandme 16th Apr 17, 6:30 PM
    • 9,972 Posts
    • 25,459 Thanks
    benbenandme
    I didn't get anything on ebay but we had a fabulous roast dinner, Mum came round and we played trivial pursuit too. I made a victoria sponge with lemon buttercream which was yummy

    The washing basket is empty (and dried in the sun too), I'm just off for a hot bath then pj's and chill this evening
    Mortgage Total: £75,000 £74,371 Mortgage End Date: May 2040
    Brother's loan: £1385 / £30,000
    • benbenandme
    • By benbenandme 17th Apr 17, 2:35 PM
    • 9,972 Posts
    • 25,459 Thanks
    benbenandme
    Ds and I have sorted through some more bits in the garage and I have got 3 bits on ebay. One has sold as a buy it now within 10 minutes, I have listed it several times before and not so much as a sniff Anyway, after postage that's another fiver to chuck in the overpayments pot and another (rather small but still counts) bit cleared out the garage

    Other than that I have also had a scoot through some stuff and found a £10 voucher I'd forgotten about, so that's been added to my voucher box.

    Tesco shopping came this morning, waiting to see if the clicksnap tracks now.

    Might go and see what else I can find to stick on there now, it always gets me motivated again when something sells
    Mortgage Total: £75,000 £74,371 Mortgage End Date: May 2040
    Brother's loan: £1385 / £30,000
    • benbenandme
    • By benbenandme 17th Apr 17, 8:20 PM
    • 9,972 Posts
    • 25,459 Thanks
    benbenandme
    £30 withdrawn from a survey site Off to add it to my signature
    Mortgage Total: £75,000 £74,371 Mortgage End Date: May 2040
    Brother's loan: £1385 / £30,000
    • benbenandme
    • By benbenandme 17th Apr 17, 8:54 PM
    • 9,972 Posts
    • 25,459 Thanks
    benbenandme
    £8 payout from another survey site
    Mortgage Total: £75,000 £74,371 Mortgage End Date: May 2040
    Brother's loan: £1385 / £30,000
    • benbenandme
    • By benbenandme 17th Apr 17, 9:01 PM
    • 9,972 Posts
    • 25,459 Thanks
    benbenandme
    I've just checked about the overpayments on my new mortgage - I can make them at any time I want (max 10% of mortgage per year), but if they are under £500 then they go towards the next monthly payment, if I wait until it's £500 blocks then I can choose whether to reduce my monthly payments or reduce the term of the mortgage. So, I will be building up the over payments until I reach £500 then make a payment. I think it will take quite a while to reach each block but hey, let's see
    Mortgage Total: £75,000 £74,371 Mortgage End Date: May 2040
    Brother's loan: £1385 / £30,000
    • benbenandme
    • By benbenandme 18th Apr 17, 7:20 AM
    • 9,972 Posts
    • 25,459 Thanks
    benbenandme
    Morning all, another £10 from a survey site available to withdraw this morning, off to add it to my newly redesigned signature
    Mortgage Total: £75,000 £74,371 Mortgage End Date: May 2040
    Brother's loan: £1385 / £30,000
    • Florence J
    • By Florence J 18th Apr 17, 4:48 PM
    • 1,423 Posts
    • 7,835 Thanks
    Florence J
    Let me know when/if Ds's ebay parcel turns up, I really hope it does, he worked so hard for that.
    Sealed Pot Challenge 10 #553 (£90) Wombling free 2017 = £851.64 Pay off all your debts by Xmas 2017 #53 (£2060.37/£3000) Debt to OH paid back £643.75/£1001.75
    June 2017 Credit Card Debt: £4628.46
    • benbenandme
    • By benbenandme 18th Apr 17, 5:07 PM
    • 9,972 Posts
    • 25,459 Thanks
    benbenandme
    Thanks Florence, I am keeping my fingers crossed it's here by Thursday, otherwise I think I'm in for the mother of all meltdowns from ds It is very frustrating, I've tried to teach him to save for something he wants etc ... and then some ebay muppet messes around with sending it. In his email he put something about how he knows it's frustrating waiting for it to turn up but it will be on it's way soon Not good enough when ds has paid almost £100 for it and part of the 'contract' was that it was posted within 1 working day ... then days later and still no sign of it He will be so upset if it comes just as we go back to school, he was looking forward to playing lots in the holidays Grrr!!

    Today ds has been round to Mums and helped her clear up her garden. Then we popped in to my sisters for an hour, then we've sat in the garden in the sunshine I've just had a bath, ds is having his now then we're going for a nice walk down the beach with the dog before dinner.
    Mortgage Total: £75,000 £74,371 Mortgage End Date: May 2040
    Brother's loan: £1385 / £30,000
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

2,531Posts Today

8,442Users online

Martin's Twitter