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  • FIRST POST
    • Jelllibeanz
    • By Jelllibeanz 9th Feb 17, 1:19 PM
    • 89Posts
    • 225Thanks
    Jelllibeanz
    Taking the plunge
    • #1
    • 9th Feb 17, 1:19 PM
    Taking the plunge 9th Feb 17 at 1:19 PM
    I've finally gone and done it.... having lurked and looked for ages, but not done much or set up a profile so here is my first post.

    At the end of January I decided I wanted to get back in control of things, including my finances. I've set up spreadsheets, started using my online banking at last (instead of telephoning when worried I was hitting my overdraft limit) and begun to make over payments rather than just the minimum.

    I have gone through the over payment calculator and worked out that if I could manage £8000 a year I could be MF by 2023!!! Although I must admit it's one hell of challenge. However, I don't want this to be more like a new years resolution that falls by the wayside...... so please feel free to kick me up the butt occasionally!

    Since payday I have managed the following:
    £52.51 OP on the mortgage giving me a potential £63 saving on interest alone just by skimming
    £321.50 off the credit cards
    £125 off my little one's school journey leaving £120 to pay
    £6.26 in sealed pot
    And £2850 left in the savings for emergencies

    I know that paying off my credit etc is better, but I want the mortgage too. So am focusing on both, with the priority to be the cc and then the mortgage as there is only 1% difference between my loan and the mortgage.

    Tomorrow is a planned no spend day - would have liked it to have been today, but petrol and parking were required. And the weekend will be tough with my OH wanting to spend money on swimming, coffee out and other little bits (he really enjoys spending, but has been getting better lately).

    Please wish me luck
    Control freak taking back the reins MF and DF Wannabe
    M '09 = £103k M Feb '17 =£79.9k, Aug 17 = £72.1k Original End Date = Apr '34
    CC = £2900 £1650
    Loan = £7000 £6300
    Onwards and upwards
Page 5
    • Jelllibeanz
    • By Jelllibeanz 14th Aug 17, 10:53 AM
    • 89 Posts
    • 225 Thanks
    Jelllibeanz
    Another busyish few days here at the ranch. I've managed several TT ups and have signed up to SB so I've had that running on and off over the weekend. I think I'm making progress with it and have had a look on the the making money board where there is a thread on it that is great for getting some hints and tips.

    MrJ has been outstanding at being frugal this weekend. He stopped me popping into the major chemist on the high street to get some photos printed off which resulted in me using an app on my phone instead and I probably saved at least a tenner.
    He also picked up a can of black heat resistant spray and rejuvenated the open fire place using some wire brush drill bits. It's also saved us another £50 as the tools and coal bucket were looking very tired, but with a couple of layers of that paint they look brand new again

    I've managed a tip run this morning and am taking the kids out for the afternoon to a beach and country park that I haven't visited since my GCSE geography field trip. We're taking the dog, a ball and some pack up to keep costs low. Am hoping I don't get lost and the kids enjoy it.

    I also need to lose some pounds and not the money kind either! The pixies have started stitching my clothes together and I really don't want to buy any new ones so mission improve my health must begin today.

    Project house hasn't come very far either so I need to get writing those lists again and sticking to them.

    Happy Monday one and all xx
    Control freak taking back the reins MF and DF Wannabe
    M '09 = £103k M Feb '17 =£79.9k, Aug 17 = £72.1k Original End Date = Apr '34
    CC = £2900 £1650
    Loan = £7000 £6300
    Onwards and upwards
    • Jelllibeanz
    • By Jelllibeanz 15th Aug 17, 9:45 AM
    • 89 Posts
    • 225 Thanks
    Jelllibeanz
    I re-evaluated yesterdays trip out and discussed the options with the boys. After going through several different routes we established that there wasn't a particularly direct way to get there and we would be effectively spending two hours each way in the car we chose a country park that we hadn't been to for a few years that was only 45 mins away. Thus saving fuel. I'm pleased I took my flask with me as the kids wore me out and it meant no spending in their cafe.

    The new boiler tank thing arrived first thing this morning so we have the rest of the day to do what ever we need to. So I'm going to chill out for a little while and hunt down some other free bits we can do for the rest of the week.

    TTFN x
    Control freak taking back the reins MF and DF Wannabe
    M '09 = £103k M Feb '17 =£79.9k, Aug 17 = £72.1k Original End Date = Apr '34
    CC = £2900 £1650
    Loan = £7000 £6300
    Onwards and upwards
    • Jelllibeanz
    • By Jelllibeanz 16th Aug 17, 12:38 PM
    • 89 Posts
    • 225 Thanks
    Jelllibeanz
    Yesterday turned into a bit of a lazy day, but it is good for the kids to learn to be bored in order to become creative. It resulted in them having a water fight, reading and junk modelling. We used some of the runner beans again for dinner (it's nice having them super fresh) and brought some pears in to ripen. As there were quite a few the boys bagged some up and ran them down to our neighbours.

    Whilst we were cooking the neighbours came over with a huge pile of freshly cooked ham that they'd bought because their grandchildren were supposed to be coming over, but they weren't able to make it. So I've used the ham for today's lunch (cheese and ham toasties) and there's still loads left so will use the rest for dinner tonight - ham, egg and chips
    I've popped £3 over into the mortgage account in respect of these meals being covered and am revisiting the week's meal plan as a result.

    I've done a little Kon Mari on the paperwork, but still have a pile to go through. My project house lists are up and I'm going to knock a fair few off tomorrow hopefully whilst the plumbers are replacing the tank.

    We have a trip to the dentists today for DS3 and then we are going foraging for sticks on the local heathland to prop up the tomato plants (can't see the point in buying canes when you can get them for nothing) and then off to the local cemetery for pine cones as they make excellent fire lighters and the kids enjoy competing against each other to see who can fill the bag the fastest. The pine trees are not near any graves so it doesn't feel disrespectful. The aim is to fill a bin full in preparation for the winter.

    Oh the icing on the cake is that DS2's attitude to reading and homework is improving considerably. The last three days he's actively asked to read to us and after sowing the homework seed last night he asked for some support with choosing which homework task to do and has already completed it. Plus one of the options he was considering involved using a photo of himself and explaining a bit about him. He said he couldn't do it as we didn't have any recent photos printed. I told him we were waiting for the free ones to arrive and that he could have one of those.
    He is now up for doing 2/6 homework projects. Considering he only wanted to do 1/6 begrudgingly and we'd been arguing a few weeks back that I wanted him to do at least 4/6 I think this is brilliant progress. The fact he is volunteering rather than being nagged too is making it much more pleasurable
    Control freak taking back the reins MF and DF Wannabe
    M '09 = £103k M Feb '17 =£79.9k, Aug 17 = £72.1k Original End Date = Apr '34
    CC = £2900 £1650
    Loan = £7000 £6300
    Onwards and upwards
    • allmannerofthings
    • By allmannerofthings 29th Aug 17, 5:39 PM
    • 89 Posts
    • 518 Thanks
    allmannerofthings
    I've just caught up on the last couple of pages of your diary Jelllibeanz, wow you're getting so much done! Well done on the overpayments and also the decluttering! Very inspirational to me at the moment as that is so what I need to do too!
    Mortgage March 2017 borrowed £115,000. Balance September 2017 £109015.21
    Overpayments 2017 £3115/Target £5000
    May £1710 June £0 July £900 Aug £505 Sept £ Oct £ Nov £ Dec £
    • Jelllibeanz
    • By Jelllibeanz 3rd Sep 17, 6:14 PM
    • 89 Posts
    • 225 Thanks
    Jelllibeanz
    Thanks AMoT. I've not touched base with my diary for a few days now. Have had several other things that have taken my focus away from house a little. However, things are still ticking over.


    So where are we at?? I have now purchased the 35% share that was owned by the housing association as part of the HomeBuy scheme and it is all now in my name. It was a lengthy process with the valuation etc. but very well worth it and now we can start to focus on home improvements and really adding the value the house deserves. I've worked out that with the current valuation the remaining mortgage is approx. 30% LTV so now we can focus on knocking it down further. The legal cost has sucked up some of this month's over payment, but it will mean that I am no longer paying interest to the housing association and that can be put into the mortgage pot.


    It's been a hectic few weeks: back to work full time, MrJ proposed (I said yes ), my best friends wedding (which cost a few quid what with hotel rooms etc.) and moving forward DS1 has a birthday and DS 2+3 go back to school this week too. I am officially shattered and have been trying to use today to recuperate in advance of another challenging week ahead.


    On the MSE front we saved 30% at H1lton Hotels as they do an NHS discount scheme, bought a gazebo in 1kea in the sale section saving us 50% of the original price, MrJ is getting good at haggling for further discount, saved 30% in the local carvery on breakfast as I complained we were sat next to the bins and it didn't smell so good and have been good at uploaded all receipts to relevant apps too.


    We've done some blackberry picking whilst walking the dog by the local river, blanched and frozen the last of the runner beans, traded childcare with friends to reduce costs and the kids being bored, made apple, pear and blackberry crumble (MrJ loved the topping and thought it was shop bought!), been filling the tank up at C0stc0 as it works out a bit cheaper and trying to avoid the shops unless absolutely necessary.


    TTFN x
    Control freak taking back the reins MF and DF Wannabe
    M '09 = £103k M Feb '17 =£79.9k, Aug 17 = £72.1k Original End Date = Apr '34
    CC = £2900 £1650
    Loan = £7000 £6300
    Onwards and upwards
    • Jessy103
    • By Jessy103 4th Sep 17, 10:19 AM
    • 438 Posts
    • 1,859 Thanks
    Jessy103
    Congratulations on the engagement!!! x
    Original Mortgage Amount 2007 - £87,310.50
    Mortgage Amount July 2017 - £62,900.00
    Overpayment Target for 2017 - £5,000 /£3,679.09
    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
    • Jelllibeanz
    • By Jelllibeanz 4th Sep 17, 1:17 PM
    • 89 Posts
    • 225 Thanks
    Jelllibeanz
    Thank you
    Control freak taking back the reins MF and DF Wannabe
    M '09 = £103k M Feb '17 =£79.9k, Aug 17 = £72.1k Original End Date = Apr '34
    CC = £2900 £1650
    Loan = £7000 £6300
    Onwards and upwards
    • Jelllibeanz
    • By Jelllibeanz 10th Sep 17, 8:06 PM
    • 89 Posts
    • 225 Thanks
    Jelllibeanz
    As the weekend comes to a close I've been reflecting on some of the little MSE things that we've done this week. It's been a busy one with the boys returning to school etc, but that hasn't stopped us being careful.


    We've had a fairly subdued, but very happy one. Visited a free festival and the boys got to make wax seals and play traditional games. They also signed themselves up to the library. We haven't been in years. I usually pick them up books in the charity shop, but they enjoyed browsing and are looking forward to going back again. Plus they borrowed a Kondo book for Mummy. So I count that as a win!


    The Kondo book has spurred me on with a little decluttering as work-life has gotten in the way just recently and left me shattered. So housework etc has fallen a little by the wayside. I know when I've been working too much because I actually enjoy the housework! DS4 has joined in and decluttered his T-shirt drawer so there is a bag for the charity shop waiting to go.

    I've also got so fed up of the boys using a towel and then dropping it on the floor (seems like I'm forever washing towels) I have finally bought an over the door towel rail. So far so good and the towels from this morning are hanging up nicely! So that should save on washing etc.

    Friends popped round today and dropped off some out grown school clothes and we've had a restful one watching films, cooking a roast etc. The wet weather is a pleasant break and it's meant we've had some family time.

    TTFN
    Control freak taking back the reins MF and DF Wannabe
    M '09 = £103k M Feb '17 =£79.9k, Aug 17 = £72.1k Original End Date = Apr '34
    CC = £2900 £1650
    Loan = £7000 £6300
    Onwards and upwards
    • Jelllibeanz
    • By Jelllibeanz 17th Sep 17, 4:48 PM
    • 89 Posts
    • 225 Thanks
    Jelllibeanz
    Well I have to say the towel rail is working a treat and we still have some towels on the shelves!! Had a minor issue with a leaking pipe and tap this morning, which lead to the bathroom and kitchen getting rather wet. However, we used a £5 off £25 voucher at the local DIY store and picked up some tools and cheap taps. We're now waiting for walls to dry out.


    We also popped into W1lkos and picked up loads of seeds for next year. They are all still in date, but it worked out to approx. £20s worth for £4! I've been wombling receipts for uploading onto the apps - people must think I'm very environmentally conscious picking up receipts in the supermarket car park.


    A few little tidy ups this week and bit of cash that I was holding onto has become the deposit for the new double glazing. We've shopped round a fair bit and had a few quotes, but yesterday I bit the bullet. The old aluminium frames are buckled, the handle has fallen off a couple and the house is cold. Hopefully the new ones will be installed before the end of November, but we are in a conservation area (or a conversation area as DS4 puts it) and is costing us a little more as we have to have sash ones. Will be nice to get the house back into the much loved condition it deserves to be. Fuse board is being done the weekend after next. So it is really starting to come together.
    Control freak taking back the reins MF and DF Wannabe
    M '09 = £103k M Feb '17 =£79.9k, Aug 17 = £72.1k Original End Date = Apr '34
    CC = £2900 £1650
    Loan = £7000 £6300
    Onwards and upwards
    • Jelllibeanz
    • By Jelllibeanz 19th Sep 17, 11:20 AM
    • 89 Posts
    • 225 Thanks
    Jelllibeanz
    It's been busy on the work front and the housework is suffering a little. I'm hoping I can leave a little earlier today to go home and do some. I was supposed to work this afternoon in a different location for a meeting and I had agreed to give another member of staff a lift in return for the few I've received previously. However, we've now been told we can skipe in so I will save 20 miles worth of petrol


    I enjoyed making homemade apple crumbles on Sunday evening. We had one for after dinner and there were four more that I popped into the freezer. However there are still loads of apples on the tree and a few pears too so I need to make some more and think about alternatives for using them up.
    Control freak taking back the reins MF and DF Wannabe
    M '09 = £103k M Feb '17 =£79.9k, Aug 17 = £72.1k Original End Date = Apr '34
    CC = £2900 £1650
    Loan = £7000 £6300
    Onwards and upwards
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