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  • FIRST POST
    • tattycath
    • By tattycath 19th Apr 17, 5:51 PM
    • 6,803Posts
    • 35,746Thanks
    tattycath
    My big financial challenge to mortgage freedom
    • #1
    • 19th Apr 17, 5:51 PM
    My big financial challenge to mortgage freedom 19th Apr 17 at 5:51 PM
    I've been avidly paying off as much of the mortgage as I could for the last 8+ years, only...it wasn't my mortgage.
    Now we are parting ways and I'm ready for a new challenge.
    I need to get a mortgage-in the throes of, as we speak. Once I get it, I need to pay it off ASAP. It's more than 3 X the size of my ex partners mortgage.

    So, myself and Miss tc are buying a house together. (Trying to).
    We finally received documents to sign and the conveyancer wants the deposit. I'm hoping that we will be sorted and moved within a month.
    We are first time buyers and there is no chain.
    GE 36 *MFD
    MFIT-T4 No 106
    Mortgage overpayments: August: £203.90
    July : £5.05/£200 grocery 1/7/17 £98.36/£150
    Emergency savings £67.00/£2000
    Savercard Christmas savings £60
    12/3/17 175lb - 15/3/17 173lb - 28/6/17 167lb - 14/7/17 164lb - 12/9/17 160lb
Page 5
    • tattycath
    • By tattycath 6th Jul 17, 5:43 PM
    • 6,803 Posts
    • 35,746 Thanks
    tattycath
    Been to see a poorly friend today.
    I bought some eggs instead of buying a cake, I made my own. Much cheaper.

    Today I have spent £4.58 in total (apart from mortgage overpayment).
    The spends were on groceries.
    The money used was in the form of a couple of old scratch cards I found in the bottom of my bag-£5 win on one and £1 win on the other. win-win!
    GE 36 *MFD
    MFIT-T4 No 106
    Mortgage overpayments: August: £203.90
    July : £5.05/£200 grocery 1/7/17 £98.36/£150
    Emergency savings £67.00/£2000
    Savercard Christmas savings £60
    12/3/17 175lb - 15/3/17 173lb - 28/6/17 167lb - 14/7/17 164lb - 12/9/17 160lb
    • A Frayed Knot
    • By A Frayed Knot 6th Jul 17, 8:57 PM
    • 2,128 Posts
    • 9,575 Thanks
    A Frayed Knot
    That's on my "to do" list as well. Find some easy & quick recipes that can be made at a moments notice, or when I get the notion of having my cake and eating it Yummy.

    Great "free" money with the cards - you do know it comes in 3's Just remember your friends, if its a big win

    And Well Done on the o/p this morning. Can I ask, how you came to that odd figure
    Always have 00.00 at the end of your mortgage balance and one day it will all be 0's
    MFMarch 30 Re/M Oct 23 Target -Dec 19
    O/P's 2014/£4000, 2015/£6294.69,2016/£3186.80
    2017 £2422.71 + Phantom o/ps 2017 -£1367.81 so far
    • tattycath
    • By tattycath 7th Jul 17, 7:10 AM
    • 6,803 Posts
    • 35,746 Thanks
    tattycath
    That's on my "to do" list as well. Find some easy & quick recipes that can be made at a moments notice, or when I get the notion of having my cake and eating it Yummy.

    Great "free" money with the cards - you do know it comes in 3's Just remember your friends, if its a big win

    And Well Done on the o/p this morning. Can I ask, how you came to that odd figure
    Originally posted by A Frayed Knot
    I have a special file of 'go to' recipes.

    Don't, worry, if/when I get a big win I will remember my friends.

    I came about the odd figure because I looked at my mortgage balance and just paid off the large oddment. It will be odd again today though as interest will have been added.
    GE 36 *MFD
    MFIT-T4 No 106
    Mortgage overpayments: August: £203.90
    July : £5.05/£200 grocery 1/7/17 £98.36/£150
    Emergency savings £67.00/£2000
    Savercard Christmas savings £60
    12/3/17 175lb - 15/3/17 173lb - 28/6/17 167lb - 14/7/17 164lb - 12/9/17 160lb
    • tattycath
    • By tattycath 8th Jul 17, 12:58 PM
    • 6,803 Posts
    • 35,746 Thanks
    tattycath
    I had a lay in today... Didn't get my lazy backside out of bed until after 10-this is rare for me.
    I have sorted animals out and hung the washing out.
    I need to write out my 'to do' list.

    Today I have finally made a start with listing. aiming to have half a dozen items up by the end of the day.
    I still have another £195 to raise if I am to meet my end of month target.
    GE 36 *MFD
    MFIT-T4 No 106
    Mortgage overpayments: August: £203.90
    July : £5.05/£200 grocery 1/7/17 £98.36/£150
    Emergency savings £67.00/£2000
    Savercard Christmas savings £60
    12/3/17 175lb - 15/3/17 173lb - 28/6/17 167lb - 14/7/17 164lb - 12/9/17 160lb
    • tattycath
    • By tattycath 9th Jul 17, 8:53 AM
    • 6,803 Posts
    • 35,746 Thanks
    tattycath
    Managed a no spend day yesterday.
    GE 36 *MFD
    MFIT-T4 No 106
    Mortgage overpayments: August: £203.90
    July : £5.05/£200 grocery 1/7/17 £98.36/£150
    Emergency savings £67.00/£2000
    Savercard Christmas savings £60
    12/3/17 175lb - 15/3/17 173lb - 28/6/17 167lb - 14/7/17 164lb - 12/9/17 160lb
    • tattycath
    • By tattycath 9th Jul 17, 6:18 PM
    • 6,803 Posts
    • 35,746 Thanks
    tattycath
    Low spend day today. £5.70
    GE 36 *MFD
    MFIT-T4 No 106
    Mortgage overpayments: August: £203.90
    July : £5.05/£200 grocery 1/7/17 £98.36/£150
    Emergency savings £67.00/£2000
    Savercard Christmas savings £60
    12/3/17 175lb - 15/3/17 173lb - 28/6/17 167lb - 14/7/17 164lb - 12/9/17 160lb
    • shangaijimmy
    • By shangaijimmy 9th Jul 17, 9:35 PM
    • 2,221 Posts
    • 10,200 Thanks
    shangaijimmy
    Did you get those items listed? I failed miserably!
    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
    • tattycath
    • By tattycath 9th Jul 17, 9:41 PM
    • 6,803 Posts
    • 35,746 Thanks
    tattycath
    Did you get those items listed? I failed miserably!
    Originally posted by shangaijimmy
    Yes, I got quite a few items listed.
    one sold already.
    GE 36 *MFD
    MFIT-T4 No 106
    Mortgage overpayments: August: £203.90
    July : £5.05/£200 grocery 1/7/17 £98.36/£150
    Emergency savings £67.00/£2000
    Savercard Christmas savings £60
    12/3/17 175lb - 15/3/17 173lb - 28/6/17 167lb - 14/7/17 164lb - 12/9/17 160lb
    • shangaijimmy
    • By shangaijimmy 9th Jul 17, 9:46 PM
    • 2,221 Posts
    • 10,200 Thanks
    shangaijimmy
    Go you! Now I'm kicking myself for being lazy, though I blame Mrs SJ (not in ear shot obviously). Mrs SJ takes the pictures and I then do the listings, and as no pictures where taken..........
    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
    • tattycath
    • By tattycath 11th Jul 17, 7:54 PM
    • 6,803 Posts
    • 35,746 Thanks
    tattycath
    Spent a tenner today-window cleaner.
    Need to concentrate on getting more listings up next weekend.
    Found 5pence today.
    GE 36 *MFD
    MFIT-T4 No 106
    Mortgage overpayments: August: £203.90
    July : £5.05/£200 grocery 1/7/17 £98.36/£150
    Emergency savings £67.00/£2000
    Savercard Christmas savings £60
    12/3/17 175lb - 15/3/17 173lb - 28/6/17 167lb - 14/7/17 164lb - 12/9/17 160lb
    • tattycath
    • By tattycath 12th Jul 17, 9:21 PM
    • 6,803 Posts
    • 35,746 Thanks
    tattycath
    Not feeling well today. Went back to bed after work for a few hours.
    The good news is that my car passed its MOT today, the bad news is that I'm now £35 lighter.
    GE 36 *MFD
    MFIT-T4 No 106
    Mortgage overpayments: August: £203.90
    July : £5.05/£200 grocery 1/7/17 £98.36/£150
    Emergency savings £67.00/£2000
    Savercard Christmas savings £60
    12/3/17 175lb - 15/3/17 173lb - 28/6/17 167lb - 14/7/17 164lb - 12/9/17 160lb
    • A Frayed Knot
    • By A Frayed Knot 13th Jul 17, 12:05 AM
    • 2,128 Posts
    • 9,575 Thanks
    A Frayed Knot
    Hope you feel better soon, and listing is well worth it, since 1 has already sold for you
    Always have 00.00 at the end of your mortgage balance and one day it will all be 0's
    MFMarch 30 Re/M Oct 23 Target -Dec 19
    O/P's 2014/£4000, 2015/£6294.69,2016/£3186.80
    2017 £2422.71 + Phantom o/ps 2017 -£1367.81 so far
    • Kittenkirst
    • By Kittenkirst 13th Jul 17, 4:49 AM
    • 1,605 Posts
    • 8,354 Thanks
    Kittenkirst
    Feel better soon TC!

    Glad the car passed it's MOT without any costly repairs s)
    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
    • try harder
    • By try harder 15th Jul 17, 10:25 AM
    • 502 Posts
    • 1,618 Thanks
    try harder
    Hope you are OK tattycath
    • tattycath
    • By tattycath 15th Jul 17, 7:23 PM
    • 6,803 Posts
    • 35,746 Thanks
    tattycath
    Hope you feel better soon, and listing is well worth it, since 1 has already sold for you
    Originally posted by A Frayed Knot
    Feel better soon TC!

    Glad the car passed it's MOT without any costly repairs s)
    Originally posted by Kittenkirst
    Hope you are OK tattycath
    Originally posted by try harder
    Thanks everyone. I'm feeling better now.
    GE 36 *MFD
    MFIT-T4 No 106
    Mortgage overpayments: August: £203.90
    July : £5.05/£200 grocery 1/7/17 £98.36/£150
    Emergency savings £67.00/£2000
    Savercard Christmas savings £60
    12/3/17 175lb - 15/3/17 173lb - 28/6/17 167lb - 14/7/17 164lb - 12/9/17 160lb
    • tattycath
    • By tattycath 15th Jul 17, 7:24 PM
    • 6,803 Posts
    • 35,746 Thanks
    tattycath
    Yesterday I spent just under a fiver on groceries. I found 5 pence on carpark.

    Today is a no spend day. and I made a fiver.

    Tomorrow will be a more spendy day as I need to go to supermarket.
    GE 36 *MFD
    MFIT-T4 No 106
    Mortgage overpayments: August: £203.90
    July : £5.05/£200 grocery 1/7/17 £98.36/£150
    Emergency savings £67.00/£2000
    Savercard Christmas savings £60
    12/3/17 175lb - 15/3/17 173lb - 28/6/17 167lb - 14/7/17 164lb - 12/9/17 160lb
    • tattycath
    • By tattycath 15th Jul 17, 7:28 PM
    • 6,803 Posts
    • 35,746 Thanks
    tattycath
    Today I have:

    Done 3 loads of washing
    Re folded all of my t shirts and put them back in the drawer.
    Vacuumed lounge, kitchen and stairs. Removed all sofa cushions and vacced cushions and bases of sofas.
    Tidied and cleaned work tops.
    Wiped down cooker top and tiles behind cooker
    Cleaned sinks upstairs and loo.

    Tomorrow I need to sort out more stuff and get it listed.
    GE 36 *MFD
    MFIT-T4 No 106
    Mortgage overpayments: August: £203.90
    July : £5.05/£200 grocery 1/7/17 £98.36/£150
    Emergency savings £67.00/£2000
    Savercard Christmas savings £60
    12/3/17 175lb - 15/3/17 173lb - 28/6/17 167lb - 14/7/17 164lb - 12/9/17 160lb
    • tattycath
    • By tattycath 16th Jul 17, 1:44 PM
    • 6,803 Posts
    • 35,746 Thanks
    tattycath
    Done a load of washing this morning and it's on the line.
    Been to asd@ and spent £33.67. Getting scarily close to my budget marker and we are only half way through the month.
    I did get some yellow stickered stuff, so that will be a few meals sorted.

    I'm going to make some bread and butter pudding later-we have old bread that needs using up.
    GE 36 *MFD
    MFIT-T4 No 106
    Mortgage overpayments: August: £203.90
    July : £5.05/£200 grocery 1/7/17 £98.36/£150
    Emergency savings £67.00/£2000
    Savercard Christmas savings £60
    12/3/17 175lb - 15/3/17 173lb - 28/6/17 167lb - 14/7/17 164lb - 12/9/17 160lb
    • tattycath
    • By tattycath 17th Jul 17, 5:54 PM
    • 6,803 Posts
    • 35,746 Thanks
    tattycath
    Bread and butter pudding turned into an improvised bread pudding. It is rather nice even if I do say so myself. It said to bake in a baking tin...there was so much I split it into 2 tins. It did use up some stuff that needed eating...some of it was even past the best before...
    I haven't poisoned anyone yet.
    Oh, and if anyone is interested you can make great breadcrumbs in a nutribullet.
    No spend day for me today.
    Yellow stickered tea tonight, maple pork belly slices with either veg or salad-haven't decided yet.
    GE 36 *MFD
    MFIT-T4 No 106
    Mortgage overpayments: August: £203.90
    July : £5.05/£200 grocery 1/7/17 £98.36/£150
    Emergency savings £67.00/£2000
    Savercard Christmas savings £60
    12/3/17 175lb - 15/3/17 173lb - 28/6/17 167lb - 14/7/17 164lb - 12/9/17 160lb
    • try harder
    • By try harder 18th Jul 17, 9:38 AM
    • 502 Posts
    • 1,618 Thanks
    try harder
    Bread and butter pudding i love it ,might make one tonight now thinking about it .
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