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
    • CharlieKat
    • By CharlieKat 31st Dec 16, 12:20 PM
    • 70Posts
    • 149Thanks
    CharlieKat
    A Budgeteer's Adventure
    • #1
    • 31st Dec 16, 12:20 PM
    A Budgeteer's Adventure 31st Dec 16 at 12:20 PM
    Hello all

    I've been writing my mortgage free wannabe plans down in a book for a while now but decided to join this forum to help my focus a bit more and hopefully benefit from being cheered on and being told off when i need to be - plus my handwriting isn't that neat

    A bit about me - there's just me on this mortgage free journey - although my boyfriend lives with me and would love for us to be mortgage free - there's no getting him on board and i've given up trying to be honest - i've tried for years. Although he's now good at looking at bargains a bit more. We have our 3 cats who live with us too
    The mortgage - fortunately, I managed to remortgage earlier this year which saw a massive reduction in interest However, for affordability, i had to extend the term to 25 years. But i see this as being irrelevant, i've overpaid each month since remortgaging and plan on paying off the mortgage way before the new 25 year term.

    Ideally, i'd like to pay off the balance and have some savings at the end of my 5 year fix. i deliberately took a 5 year fix as I was looking for a new job, which i got, but as it's a different industry to what I was working in before i've had a bit of a paycut - which I expected hence the 5 year fix

    I've probably wittered on enough now - here's a cuppa and biscuits for all
Page 2
    • CharlieKat
    • By CharlieKat 5th Feb 17, 10:06 AM
    • 70 Posts
    • 149 Thanks
    CharlieKat
    Morning all

    Long time no post - i did login to post last week but just wasn't feeling it - Must do better - if its one thing i've learned from here is everyone has said how posting regularly helped to keep them focused - so i'm committing to posting more often even if some of it may not be money related it'll hopefully help me keep the target in sight.

    Already spent money before i got out of bed today I've been looking at food flasks for work but felt a bit guilty after ordering as there is a microwave facility if i've time to get to it *but* then i remembered me and my Mr do go on days out to events where we take a picnic but often buy something warm to eat if the weathers a bit cool. The food at these things is very overpriced IMHO so now i can take my little food flask with me - result! It may not be piping hot but should be good enough i hope. I did shop around yesterday. didn't buy. then today when i looked at the cheapest place to buy from £6.49 - they'd sold out of my preferred colour and had sold alot in the other colour. Anyway all ordered now and free delivery *excited*

    Bit down as its spending money and goes against my kondoing BUT if i love it and use it and it saves me / us money its a winner i say

    What else has been going on? I've updated my sig - the mortgage at the moment is reducing by just over £1000 a month - this is made up of my strict self-imposed £800 a month overpayment and my contractual payment of around £400. This reduction will go down in April and then significantly drop in May as i hit the 10% cap on overpayments. At this point the £800 will be being paid into savings.

    Credit card in sig has been reduced I've had a few bay of e sales, spent less than budgeted on an item, made regular payment & had some cashback paid. Really want to get this paid off and then focus on the next card as this is the lowest balance card I wanted this paid off first and then i can move onto next lowest balance but that's still around £3K at 0%. I need to sit and spend some time making a plan as to how to pay off these cards as i want to put money into savings but can't whilst paying these off.

    In other news, I also need to make sure i make time for myself and maybe need to look at a bit of time management. i do suffer with fatigue alot but i think if i push myself into a routine things may get easier. In making time for myself one of my goals for this year was to read 12 new books - I've read one and am onto my second - this necessitated the looking for 2nd hand books online - so more spends to come but i do get alot of pleasure out of reading, i pass the books onto family and then sell them on again.

    This week though i need to look at some of my other goals for this year - a couple do again involve spending money - not lots - but it is still spending but these are things i want to do to get pleasure out of doing them and hopefully to build my confidence a bit as well as getting out and meeting new people.

    I'm on the last section of my course before the exam The course should be 6 months and i've done it in a few weeks - i want to pass with a good grade as this will help me with work and future job prospects so the next month or so i'll spend revising before taking the exam.

    Hope everyone is well and i'll be back soon
    Mortgage: £140,000 £68,490.66
    Credit Card 1 8/7/17: £2771 £1,546
    ,
    No buying new clothes from 16/07/2017
    • lippy1923
    • By lippy1923 5th Feb 17, 4:14 PM
    • 1,232 Posts
    • 3,435 Thanks
    lippy1923
    I managed to get my employer to fund my next level course. I am still waiting for the materials to arrive and then I will be in study mode like you Starting next month and I'm strangely excited about it lol. Wish I could do mine in a few weeks but I have 5 exams to pass so it takes a year!
    Good luck with yours.


    I too have been thinking of how I plan to pay off my CC debts. All on 0% luckily but need to be gone by the end of this year. I need to make a plan and stick to it.


    Regarding the regular posting, it doesn't matter if you only really post once a month or so as long as you stick with it. Doesn't even have to be money saving related, just a diary to keep you coming back and keep your goals in sight. I look forward to your next update
    Total Mortgage OP £17,500
    House Value £250,000 Mortgage £92,730
    Emergency Fund £27,400

    • CharlieKat
    • By CharlieKat 8th Jul 17, 12:39 PM
    • 70 Posts
    • 149 Thanks
    CharlieKat
    *slips in quietly*

    *dusts off diary*

    Hi all

    Glad I found this diary again! Long time no post and thank you to all posters and to lippy for your last post.

    The short story is, I was really busy with work and study, went on holiday which was wonderful and then the company closed and I've been out of work since. I've been looking and applying for work. But, I wanted to come back on here as, admittedly, I've been a bit of a hermit. I've been really upset about everything and not wanted to go anywhere The finances have taken a hit and some interest free credit has needed to be used as well as I'm only entitled to JSA.

    Anyway, I need to pick myself up and get on with things!

    I've been upset about the mortgage / house / not being able to meet bills and, not being able to meet targets I'd set. Today, I've plotted out, as best I can, the original 5 year target. This was only ever roughly done as I am capped on overpayments at 10% and that is paid in as soon as possible - last year the last payment went in just before I was made redundant but that was a few months before the end of year 1 of my mortgage. Hope I'm making sense.

    Even if I was working there would be a shortfall on paying the mortgage off in the next 4 years unless I had some good pay rises / overtime opportunities etc.

    The plan then, is to start to try and get the money in. I'm going to list some things I have on the bay of e. But as I'm quite a fan of kondoing there isn't too much around! Putting my positive head on - this should encourage me to achieve the hitherto unknown dizzy heights of minimalism

    I'm also going to try and stop the money going out. Freezer inventory awaits - followed up with a meal plan for the month

    My sig also needs updating.

    Thank you if you're reading and I commit to being around a lot more - even just writing on here today has made me feel a bit better about things
    Mortgage: £140,000 £68,490.66
    Credit Card 1 8/7/17: £2771 £1,546
    ,
    No buying new clothes from 16/07/2017
    • Kittenkirst
    • By Kittenkirst 8th Jul 17, 1:38 PM
    • 1,608 Posts
    • 8,376 Thanks
    Kittenkirst
    Hi & welcome back!

    Really sorry to hear about your job; it definitely puts a squeeze on the finances. But, don't beat yourself up over the 5 year plan; you've overpaid already and that will have helped reduce your term/interest etc in the long run.

    Focus on the things you can control for now like your kondoing and good budgeting

    As you like different recipes have you tried looking at Jack Monroes site and also £1 meals on Instagram are great for inspiration.i regularly loop back to the meal planning threads on this forum as a reminder and to get us out of a rut!
    2017 MFW #20 - OP £2151.52: £2150 100%
    Last 3 months- Sep £206.32 Oct: £179.60 Nov: £12.58

    Emergency fund £3945/ £6k
    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    2016 OPs £255.50/£150
    • CharlieKat
    • By CharlieKat 8th Jul 17, 2:35 PM
    • 70 Posts
    • 149 Thanks
    CharlieKat
    Hi Kittenkirst

    Thank you - I hadn't thought of looking on those sites but have added them onto my list of things to do
    Mortgage: £140,000 £68,490.66
    Credit Card 1 8/7/17: £2771 £1,546
    ,
    No buying new clothes from 16/07/2017
    • CharlieKat
    • By CharlieKat 8th Jul 17, 2:47 PM
    • 70 Posts
    • 149 Thanks
    CharlieKat
    A quick update before I get back to it.

    I've done half of the freezer inventory, listed some items on the bay of e, re-organised part of my wardrobe and lifted out a few things to sell (hopefully) and a few things to give away - I don't love them and they won't sell unless at a carboot and I don't have enough stuff to make it worthwhile as the fees are, I think, £12 a car and I'd be lucky to fill a binbag of things to sell

    I'm doing bits of each task rather than doing everything in one go as I've been a bit down of late and have been struggling concentrating. Hopefully, chunking things down into smaller, achievable tasks will help me with building up my focus and concentration again as well as making the task seem less daunting / overwhelming

    I've just remembered we've 2 weekends away booked next month One we've saved up for all year, we won't have enough to cover the cost entirely (we normally both save a set amount each to cover say the room and 1 meal and then make up the difference from our savings) there hasn't been the chance to adjust for anything extra towards this. The other weekend we just need to pay for train tickets £30 total I think, drinks, entry fee for 1 of the days out £20 I think and lunch - I've already paid for the rest so accommodation, breakfast, evening meal have all already been paid for and there's no refunds so we'd lose more by cancelling.

    On that note I'd best list some more things on the bay

    Oh, and looking around the diaries I'd really like to open a s&s 1sa - if anyone has any info that'd be a big help. I know I've no real funds currently but we could manage a bit for this just to get us started and then we could build it up when i'm back working again
    Mortgage: £140,000 £68,490.66
    Credit Card 1 8/7/17: £2771 £1,546
    ,
    No buying new clothes from 16/07/2017
    • CharlieKat
    • By CharlieKat 8th Jul 17, 4:40 PM
    • 70 Posts
    • 149 Thanks
    CharlieKat
    I'm allowing myself breaks of popping on here between jobs

    I've finished organising the part of the wardrobe I was doing - of course i still have the rest to do but it will be a job well done when it's finished and if anything else can be sold / given away it will create more space and make things easier. I don't *think* I have lots of clothes but do, as I suspect many people do, have clothing for different occasions. So I've got my sportswear, summer wear including shorts and bikinis - so not really suitable in winter work wardrobe which is formal and not really something I'd wear for any other occasion other than going to work - I'll revise this category to make sure I'm happy with everything and will bear in mind I may need to revise it again depending on the job I get next; casual wear for daytime not in work and evening wear which is a bit more dressy than anything i'd wear to work - and coats and jackets which I tend to keep for years. This year I intend to wear the more expensive of these more often
    All these categories will be gone through again with trying on and discarding as necessary.

    I've done the 3rd part of the freezer inventory and 1 last part to go. Then it's meal planning from this list for the month.

    Tea is in the oven - not from the freezer I might add just using up some potatoes although there are still some left. A few more bits listed on the bay of e too. With quite a few more still to do but the pictures seem very slow going loading on today.

    Finally found where to update sig - not sure i'll find it again though So I've updated the mortgage as of today. Payments are the 1st of each month, and, even if I had the funds, I've reached this years 10% cap. I still need to update credit card and the target and will do that later. Card in sig was paid off but have done some balance transfers to free up interest free funds at the mo so no small targets now.

    I'll also have a read of some more diaries on here as they're really motivating.
    Mortgage: £140,000 £68,490.66
    Credit Card 1 8/7/17: £2771 £1,546
    ,
    No buying new clothes from 16/07/2017
    • smallholdingsister
    • By smallholdingsister 8th Jul 17, 4:59 PM
    • 3,544 Posts
    • 27,508 Thanks
    smallholdingsister
    What a great diary title. Following with interest.
    • CharlieKat
    • By CharlieKat 8th Jul 17, 8:44 PM
    • 70 Posts
    • 149 Thanks
    CharlieKat
    Thank you smallholdingsister i'll find your diary for a read too
    Mortgage: £140,000 £68,490.66
    Credit Card 1 8/7/17: £2771 £1,546
    ,
    No buying new clothes from 16/07/2017
    • CharlieKat
    • By CharlieKat 8th Jul 17, 9:18 PM
    • 70 Posts
    • 149 Thanks
    CharlieKat
    I feel i'm getting a bit more on track which means getting a bit more back to feeling like me - although I've a ways to go before i'm the whirlwind of activity I used to be This house will be clean and tidy again - it's just going to take longer than it used to at the moment & that's ok too.

    I've at least 10 more items to list on the bay but the lights gone now so a job for tomorrow / Monday. One of my items has already sold and I immediately paid it off the target card - I missed a payment on this when everything was happening with out of work / no income etc so I need it closed asap. I have another 0% purchase card I can use for next month's trips if I need to so that makes sense and it felt good being able to pay an extra payment too sig has been updated

    Freezer inventory completed and meals planned to month end but they'll probably need shuffling on the dates as I've not got my boyfriend's work diary.

    So a few things I'd planned to do today have been achieved

    Fun things lined up for next week. I think we'll go on a good walk tomorrow to start getting me going out again and getting me a bit more active - I can tie this in with picking up some beans for the sausage casserole I'm going to make ready for an easy tea on Monday if it's needed

    I've a couple of Zumba classes booked in which I love going to but haven't been able to face it recently The classes are part of my gym membership as it's actually cheaper to join than PAYG - especially for me as I usually average a minimum of 7 classes a week - 4 dance based ones and at least 3 yoga ones as I need to uncoil a bit I did research the membership v cost of classes before I joined and I can pause the membership in a few weeks if I've still not found work - i'll need to decide at the time I think as, when I go again this week i'm sure it will boost my confidence which is much needed at the mo

    I'm taking mum to choose some plants for her garden but it'll be nice to look at the nursery and garden centre so I've an idea for things to put in ours when income allows

    I'm going to start a new piece of writing - very excited about this one

    Cooking on Monday will be a fun thing too as I do love cooking

    I'm going to persevere with the book i'm reading - i'm not loving it just now but it maybe needs another chapter or so and I do love reading

    So, to balance the fun stuff I'll be:
    Clean utility - Monday -it's a small room so a good deep clean shouldn't take more than 2 hours with a couple of breaks. By deep clean I mean all cupboards emptied, shelves cleaned etc.

    list remaining items on the bay of e.

    Sort next section of wardrobe out - I've done 2 sections today so 3 to go

    Don't want to overwhelm myself so that'll do for now. Job searches and applications are every day (if there's any to apply for) so I won't keep relisting this - it's a given priority - the rest is to boost me up a bit and I don't want to keep listing the amount of applications I've done as it is disheartening and I'm trying to get a bit more positive

    have a good weekend all
    Mortgage: £140,000 £68,490.66
    Credit Card 1 8/7/17: £2771 £1,546
    ,
    No buying new clothes from 16/07/2017
    • Kittenkirst
    • By Kittenkirst 9th Jul 17, 7:29 AM
    • 1,608 Posts
    • 8,376 Thanks
    Kittenkirst
    You're doing great with all your sorting & organizing!
    Well done on the quick EBay sale too
    2017 MFW #20 - OP £2151.52: £2150 100%
    Last 3 months- Sep £206.32 Oct: £179.60 Nov: £12.58

    Emergency fund £3945/ £6k
    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    2016 OPs £255.50/£150
    • Jessy103
    • By Jessy103 9th Jul 17, 6:10 PM
    • 467 Posts
    • 1,972 Thanks
    Jessy103
    Sorry to hear about your job CharlieKat. You're doing great at getting organised and I hope you find another job soon. I agree with you about writing in a diary on this forum, it really does help to get everything down and vent abit! Take care x
    Original Mortgage Amount 2007 - £87,310.50
    Mortgage Amount Oct 2017 - £61,990.00
    Overpayment Target for 2017 - £5,000 /£4,060.70
    Jan - £873.26 Feb - £185.38 March - £269.07 April - £193.66 May - £467.64 June - £407.79 July - £849.96 August - £255.11 September - £177.22 October - £381.61
    • michelle09
    • By michelle09 9th Jul 17, 7:22 PM
    • 395 Posts
    • 1,474 Thanks
    michelle09
    Hey CharlieKat - new reader here. Sorry about the job, that's always worrying, but it looks like you're on top of things!

    When we were trying to clear out we used MusicMagpie/WeBuyBooks and cleared nearly £200 just shifting things we were getting rid of anyway. Not sure if that's worth it for you?
    • shangaijimmy
    • By shangaijimmy 9th Jul 17, 8:36 PM
    • 2,232 Posts
    • 10,265 Thanks
    shangaijimmy
    I second the musicmagpie idea! Was good for my cd's etc... Would love to tackle Mrs SJ's dvd collection but i'm not brave enough to touch them!
    MFW: Turning June 2036 into March 2023... 32//120 Payments Challenge, Diary Reduction £34,271.00
    Aug 2009: £163,051 // Current: £101,729.00 // Avg Daily Interest £4.57
    MFiT-T4 #8 - 56.74% of £41,000
    • CharlieKat
    • By CharlieKat 11th Jul 17, 6:40 PM
    • 70 Posts
    • 149 Thanks
    CharlieKat
    Hello all

    How lovely to have visitors

    Thank you Kittenkirst I had another couple of sales so made another payment off the card with the profit sig all updated

    Hi Jessy103 aw thank you - I'm really having to put an effort in not to be too down about it all I am trying to get organised a ways to go yet - utility postponed until tomorrow but it's been a busy few days.

    Hi michelle09 I've a few good books to sell so I will try the book sales after bay of e. I've used the book sites before but not sure i've used that one - thank you for the reminder

    Hi shangaijimmy I wish I had some cd's to sell but like you - i live in fear of approaching my Mr's - even though he never listens to them I've never been a collector of them so none of my own and no computer games etc either.

    Thank you all for your lovely encouraging posts I'll have to find your diaries to get some more tips as there's some good sigs there
    Mortgage: £140,000 £68,490.66
    Credit Card 1 8/7/17: £2771 £1,546
    ,
    No buying new clothes from 16/07/2017
    • CharlieKat
    • By CharlieKat 11th Jul 17, 6:48 PM
    • 70 Posts
    • 149 Thanks
    CharlieKat
    I meant to reply sooner but life has been busy.

    Applied for some more jobs, sadly not heard back from previous applications.

    Sausage casserole made with enough left to freeze a couple of meals for us and managed to use up some bits of veg and bacon in it too

    Utility will be tomorrow - also hoping to list on the bay tomorrow too but the weather has meant really bad light so i'm hoping it's better for tomorrow so i can get some good pics and some more sales

    Annoyingly on one of items i sold the post office charged first class postage and not 2nd even though i'd definitely asked for it He was helping a colleague at the same time but i was a bit down about being some pence down when i checked my receipt

    However, found a £1 today so i guess that all balances out

    Long walk was had and some quality time planned for me and my Mr this week.

    Trying to think of some more money saving / money making ways
    Mortgage: £140,000 £68,490.66
    Credit Card 1 8/7/17: £2771 £1,546
    ,
    No buying new clothes from 16/07/2017
    • CharlieKat
    • By CharlieKat 14th Jul 17, 4:56 PM
    • 70 Posts
    • 149 Thanks
    CharlieKat
    Hi all

    i posted a reply the other day but it was so grumpy and full of that i deleted it instead - needless to say it hasn't been a great week.

    I want to post regularly though so the positives are - i've listed quite a few things on the bay of e and had 1 or 2 sales i need to keep this money in my account though as I thought a payment I'd made had deducted off the balance and it hadn't so i went a little overdrawn - it was inside my agreed overdraft though so not as bad as it could have been.

    I've gathered all my books together and think its worth just selling them in bulk to a book-buying place as suggested above - there's no guarantee they'd sell individually and they'd probably need to be on a long time whereas I need the money and space now.

    I've been food shopping for needed things and clearing the freezer out is going well

    This weekend I aim to get some studying done and I really want to have a good clear out as well as keep on top of the cooking.

    hope everything is going well for everyone
    Mortgage: £140,000 £68,490.66
    Credit Card 1 8/7/17: £2771 £1,546
    ,
    No buying new clothes from 16/07/2017
    • Kittenkirst
    • By Kittenkirst 15th Jul 17, 8:37 AM
    • 1,608 Posts
    • 8,376 Thanks
    Kittenkirst
    Hey CharlieKat, sorry to hear you were feeling down & grumpy; it am be tough when you are trying to chip away at things and feel like it's not happening quick enough. But, you are doing loads and making lots of positive steps so keep on going.

    Plus you have us lot to cheer you on
    2017 MFW #20 - OP £2151.52: £2150 100%
    Last 3 months- Sep £206.32 Oct: £179.60 Nov: £12.58

    Emergency fund £3945/ £6k
    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    2016 OPs £255.50/£150
    • Moominmamma89
    • By Moominmamma89 15th Jul 17, 12:52 PM
    • 208 Posts
    • 355 Thanks
    Moominmamma89
    Hi CharlieKat - sorry to hear about the job. I used webuybooks quite alot and found them to be decent enough - you can arrange for a courier to come to you to collect the boxes at no extra charge which may be helpful if you don't fancy lugging aload of stuff to the Post Office x
    Outstanding Mortgage - 139,880.15 (73% LTV)
    Current end date: January 2041 (originally August 2044)
    • CharlieKat
    • By CharlieKat 15th Jul 17, 5:06 PM
    • 70 Posts
    • 149 Thanks
    CharlieKat
    Hi Kittenkirst

    Thank you for your kind words - you've made me - hope to have time to find your diary and have a read soon - assuming you have one
    Mortgage: £140,000 £68,490.66
    Credit Card 1 8/7/17: £2771 £1,546
    ,
    No buying new clothes from 16/07/2017
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

3,988Posts Today

9,608Users online

Martin's Twitter