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
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 13th Jul 17, 7:39 PM
    • 648Posts
    • 2,569Thanks
    wishingthemortgaheaway
    Taking it slowly, but doing it well.
    • #1
    • 13th Jul 17, 7:39 PM
    Taking it slowly, but doing it well. 13th Jul 17 at 7:39 PM
    Good evening all,

    I'm rejoining this thread and you lovely people after a break of a few years.

    I've got a new user name, but only because I can't get back into my old account. (My old diary was called 'Today is not a NSD'

    I've kept the start of my username the same, so it's still a big wave hello from me, Wish.

    A quick (I promise) update from me.

    I'm about to turn 35 (still wish I was 25)

    I now have a 1 year old little boy - Pickle

    I'm currently on extended maternity leave/career break/unemployed (I took the statutory maternity pay from my high pressured, long hours, no social life job, handed my notice in whilst on mat leave and , because I didn't take any occupational maternity pay, I didn't have to repay any money. )

    Husband is still a freelance audio visual engineer in the entertainments industry

    Still in our 2 bed Victorian terrace, which we still love.

    We still want to be mortgage free, but it's going to take a little longer than we thought when I was last here.

    So, why am I back?
    I need some motivation and some accountability, need to get back on the no spend days. Need to curb some bad financial habits that have crept back in.
    Need to lose some weight - nsd will help by no cake shop stops or treats from the discount supermarket at the end of the road.

    I'm at the end of my maternity savings.

    When I found out I was pregnant I stopped overpaying the mortgage and diverted all that cash into a maternity leave 'fund' to that I added my statutory maternity pay as it came in, £5k from an inheritance and a £5k gift from my parents.
    The total of those savings have allowed us to live as we were for 15.5 months without hubby having to contribute anymore to our household expenses than he had previously.

    I am very pleased with what we have achieved. But, that 'half month' is August and then the money is gone, I have no income and we will have to manage on hubby's self employment earnings.

    I am meant to be applying for agency work, in my field, for 3 days a week from September. It's not happened yet due to hubby being run off his feet with work. I'm not worried about this, I will sort it when I can.

    We have no debts, other than our mortgage (which currently stands at just less than £37k and has 12years 3 months left to run)

    We receive child benefit, but nothing else (previous warnings have been too high to receive tax credits or anything else)
    We have no family living nearby, so will need to pay out for childcare come September for 3 days a week, as I'll be agency and hubby is self employed we can't get childcare vouchers, but should be able to open one of the new tax free childcare accounts saving us 20% on childcare costs, which will be around £120 a week.


    This is what I already do:

    YNAB all my accounts - this is how I've managed to have 15 months off work
    Use ynab to save for all annual bills, overpaying each section so I have a little bonus when it comes to paying the bill

    Meal plan & cook from scratch

    Try not to spend too much on things for Pickle, and try to sell on things he has finished with (this has had mixed success)

    I'd love to have your support as I attempt to pay off the mortge earlier than planned. I'm aiming, from August, to overpay the same amount as the interest added to the account. This isn't much, but it's a realistic challenge given out current circumstances.

    Thank you for reading

    Wish.
Page 15
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 2nd Dec 17, 9:10 PM
    • 648 Posts
    • 2,569 Thanks
    wishingthemortgaheaway
    Evening all,

    Pickle is still poorly and limpet like, making life challenging to say the least.
    And, because I wasn't able to leave the house yesterday, friend and I had takeaway - do Friday wasn't a nsd and today hasn't been either because we did get out but it was to buy our contribution for tomorrow's bring and share at church. Normally I would make something, but it just won't happen.

    In terms of my targets. I've had the start of the month wins from the mortgage going out, tv licence etc and I had £10 cash left in my purse from November, so I've rounded the rainy day fund up to £610 (£90 to go to target) and put the rest in the mop pot)

    Tomorrow should be a nsd....

    MSE December Goals

    1) Reduce Mortgage capital by £600
    Target 1: interest added £10.70/£70.66
    Target 2: next brick on the house £0/£2.11
    Target 3: £400 capital reduction £0/£100
    Target 4: £500 capital reduction £0/£100
    Target 5: £600 capital reduction £0/£100

    2) Emergency fund back up to £700
    £2.74/£92.74

    3) Surveys, cashback, sales etc. £0/£50

    4) 15 NSDs
    0/15
    The 100 payment countdown (each payment = £400)
    2017 July : £36,800 8/100 Aug: £36,411.85 8/100 Sep: £35,945.66 10/100 Oct: £35,500 11/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 3rd Dec 17, 7:04 PM
    • 648 Posts
    • 2,569 Thanks
    wishingthemortgaheaway
    today has been a nsd - so I'm off the mark with that one. I am absolutely shattered. Pickle still not 100% so he was hard work at church this morning. Thankfully he zonked out for most of it. Then we had a little Christmas party bring and share.
    After that I went to a friend's house for a couple of hours with tea and then came home, bed time routine and Pickle is asleep.

    Tonight I need to cleaner proof the house and look forward to hubby getting home about 10, when I shall pass over the paternal baton and sleep.

    MSE December Goals

    1) Reduce Mortgage capital by £600
    Target 1: interest added £10.70/£70.66
    Target 2: next brick on the house £0/£2.11
    Target 3: £400 capital reduction £0/£100
    Target 4: £500 capital reduction £0/£100
    Target 5: £600 capital reduction £0/£100

    2) Emergency fund back up to £700
    £2.74/£92.74

    3) Surveys, cashback, sales etc. £0/£50

    4) 15 NSDs
    1/15
    The 100 payment countdown (each payment = £400)
    2017 July : £36,800 8/100 Aug: £36,411.85 8/100 Sep: £35,945.66 10/100 Oct: £35,500 11/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 4th Dec 17, 9:08 PM
    • 648 Posts
    • 2,569 Thanks
    wishingthemortgaheaway
    food shopping has been done. Here are the incredibly boring numbers...

    Grocery budget £50 per week.
    My supermarket said: £74.55 (includes some shopm1um purchases & some 'household goods' purchases. )
    Actual Spend: £64.32
    Broken down as:
    Groceries: £49.58 just in budget eeek!
    Household goods:£14.74
    Cashback to come from Shopm1um: £4.50 (approx)

    I haven't done my mop pot Tilly tidied as I need to go on the computer to do them, which is a job for whenim working tomoorw.

    I shall report back tomorrow (which will hopefully be a nsd).

    MSE December Goals

    1) Reduce Mortgage capital by £600
    Target 1: interest added £10.70/£70.66
    Target 2: next brick on the house £0/£2.11
    Target 3: £400 capital reduction £0/£100
    Target 4: £500 capital reduction £0/£100
    Target 5: £600 capital reduction £0/£100

    2) Emergency fund back up to £700
    £2.74/£92.74

    3) Surveys, cashback, sales etc. £0/£50

    4) 15 NSDs
    1/15[/QUOTE]
    The 100 payment countdown (each payment = £400)
    2017 July : £36,800 8/100 Aug: £36,411.85 8/100 Sep: £35,945.66 10/100 Oct: £35,500 11/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • Betterthanever
    • By Betterthanever 5th Dec 17, 6:36 AM
    • 406 Posts
    • 2,185 Thanks
    Betterthanever
    I need to do more on the NSD front - it is one of my real aims for 2017. I know I should be starting now but I'm likely to fail every day right now!

    I'll certainly join you in the NSD quest next month.....with a vengence!!

    Current balance £114,744.64. Offset £2,151.73. £112,592.91 needed to be mortgage neutral!
    End date - 03/29 but aiming for 10/22

    Former DFW Nerd 230. Determined to be MF. Bring it on!
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 5th Dec 17, 5:58 PM
    • 648 Posts
    • 2,569 Thanks
    wishingthemortgaheaway
    I need to do more on the NSD front - it is one of my real aims for 2017. I know I should be starting now but I'm likely to fail every day right now!

    I'll certainly join you in the NSD quest next month.....with a vengence!!
    Originally posted by Betterthanever

    You are more than welcome to join me. I actually think December could be one of the easier months as there are so many 'let's just avoid people and head to the wilds' bank holidays and 'says that feel like a bank holiday' I'm also trying to have nsds on my work days/days Pickle is at the childminders, which at 3 days per week should add up quite nicely.

    (But now I've said it could be an easier MOnth, watch me blow it now!)
    The 100 payment countdown (each payment = £400)
    2017 July : £36,800 8/100 Aug: £36,411.85 8/100 Sep: £35,945.66 10/100 Oct: £35,500 11/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 5th Dec 17, 6:02 PM
    • 648 Posts
    • 2,569 Thanks
    wishingthemortgaheaway
    Evening all a nsd here (woop woop) but not as productive as I'd hoped. My main job was to plan some generic lessons for supply teaching, but I procrastinated because I started feeling a bit anxious. I just need to 'get over it' I have done the majority of the washing though so procrastinating can have its benefits.

    I've also sorted the Tilly tidies from yesterday and split between the rainy day fund and the mop pot.


    MSE December Goals

    1) Reduce Mortgage capital by £600
    Target 1: interest added £13.30/£70.66
    Target 2: next brick on the house £0/£2.11
    Target 3: £400 capital reduction £0/£100
    Target 4: £500 capital reduction £0/£100
    Target 5: £600 capital reduction £0/£100

    2) Emergency fund back up to £700
    £7.74/£92.74

    3) Surveys, cashback, sales etc. £0/£50

    4) 15 NSDs
    2/15
    The 100 payment countdown (each payment = £400)
    2017 July : £36,800 8/100 Aug: £36,411.85 8/100 Sep: £35,945.66 10/100 Oct: £35,500 11/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • DrSpendLittle
    • By DrSpendLittle 5th Dec 17, 6:24 PM
    • 209 Posts
    • 770 Thanks
    DrSpendLittle
    Evening all a nsd here (woop woop) but not as productive as I'd hoped. My main job was to plan some generic lessons for supply teaching, but I procrastinated because I started feeling a bit anxious. I just need to 'get over it' I have done the majority of the washing though so procrastinating can have its benefits
    Originally posted by wishingthemortgaheaway
    I've had a similar day... procrastinating over a bit of writing I need to do. I also just need to 'get over it' but its hard when its something creative and 'personal'.

    Really enjoy the MOP pots you do - giving me lots of good ideas for when I start that journey after sorting debt, emergency fund, student loan debt and 6% of salary private pension. Some time yet but always good to be inspired early!

    I also think you should just treat yourself to the new sling! Pickle will be in school before you know it! Hashtag Bad Influence
    Since 1st September 2017
    CC1: £paid off/£1,253.73 | CC2: £1,002.21/£9,124.15 | CC3: £paid off/£312.34 | Car Finance: £631.64/£1,894.92
    Total CC Repayments: £2,568.28/£10,690.22 (24.02%) | Total Debt Repayments: £3,200.00/£12,585.14 (25.42%)
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 5th Dec 17, 9:41 PM
    • 648 Posts
    • 2,569 Thanks
    wishingthemortgaheaway
    Thanks DSL,
    I have just bought a wrap but the pattern of buckles sling I want isn't in stock at the moment. I will divert money to the sling pot if needs be, but while it's not in stock I'll just keep the pot there doing nothing.

    What really helps the motivation for the pots is 'over budgeting' the ynab caregories, so our mortgage payment is £297.89 but the ynab mortgage pot is £300 at the start of each month, it just keeps things tidier and gives me a start on each month's mop pot. I then transfer the surplus to the mop pot to tidy things up.
    Won't work for everyone. But does work for me.
    The 100 payment countdown (each payment = £400)
    2017 July : £36,800 8/100 Aug: £36,411.85 8/100 Sep: £35,945.66 10/100 Oct: £35,500 11/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • pinkypig
    • By pinkypig 6th Dec 17, 9:14 PM
    • 746 Posts
    • 6,474 Thanks
    pinkypig
    Hiya Wish. Congrats on your November totals. How's your supply work going? Good I hope .

    PP xx
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 7th Dec 17, 9:29 PM
    • 648 Posts
    • 2,569 Thanks
    wishingthemortgaheaway
    Hiya Wish. Congrats on your November totals. How's your supply work going? Good I hope .

    PP xx
    Originally posted by pinkypig

    Hi PP
    Thank you, Supply hasn't happened yet, I keep making excuses (mostly genuine) when they ring, but I've committed to receiving a call for next Wednesday. My other job is ramping up more than expected, I'm doing 1.5-2 days a week for them. so only 1 day left for supply.

    I going to do some lesson planning over the weekend so I've got something in case there has been nothing left. Maybe some christmas things for the next couple of weeks.
    The 100 payment countdown (each payment = £400)
    2017 July : £36,800 8/100 Aug: £36,411.85 8/100 Sep: £35,945.66 10/100 Oct: £35,500 11/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 7th Dec 17, 9:43 PM
    • 648 Posts
    • 2,569 Thanks
    wishingthemortgaheaway
    I'm struggling to update everyday as I'm having to go on the computer in the office to do my tilly tidies, yes, I've worked all day today in the office, but I've been really busy, so not had a chance to do anything.

    Yesterday was mine and hubby's 'Christmas shopping day' when you take out the time for brunch, coffee & a cinema trip to see Paddington, there wasn't much time for actual shopping. I've got a list of things to buy online though, and then I'll be done with the purchasing and just have to focus on the making.

    Today has been a NSD as planned. My Mop pot is growing slower than it could as every time I get #5 I could overpay, I'm adding it to the rainy day fund, until that hits this month's targets.

    In not so good news, the landline phone bill arrived today - £8.04 over the budgeted amount. over £6 is claimable on work expenses, but then there are a couple of other 0300 and 0345 numbers I've had to call. still, cheaper than calling them on my mobile.

    All my work expenses have been approved - over £100. I'm going to build a buffer in YNAB of about £100 to pay out for train tickets so anything over the £100 will be split between the rainy day fund and the mop pot. I've got another work trip next week, driving again and fuel already paid for. But, due to Christmas those expenses will come into January's wages.

    MSE December Goals

    1) Reduce Mortgage capital by £600
    Target 1: interest added £16.12/£70.66
    Target 2: next brick on the house £0/£2.11
    Target 3: £400 capital reduction £0/£100
    Target 4: £500 capital reduction £0/£100
    Target 5: £600 capital reduction £0/£100

    2) Emergency fund back up to £700
    £12.74/£92.74

    3) Surveys, cashback, sales etc. £4.58/£50
    £4.58 - Shopmium

    4) 15 NSDs
    3/15
    Last edited by wishingthemortgaheaway; 07-12-2017 at 11:06 PM.
    The 100 payment countdown (each payment = £400)
    2017 July : £36,800 8/100 Aug: £36,411.85 8/100 Sep: £35,945.66 10/100 Oct: £35,500 11/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 9th Dec 17, 12:16 AM
    • 648 Posts
    • 2,569 Thanks
    wishingthemortgaheaway
    No bank account activity today but not a nsd either. £6 cash spent on bus fares into town for me and hubby. Then it was out uni friends Christmas gathering. I'd paid the deposit for all of is last month and hubby has paid the taxi fares for 4/5ths of us on the App. So people gave us money which I then used to pay the balance of our meal.

    Hoping for a no spend weekend, but it probably won't be possible.

    MSE December Goals

    1) Reduce Mortgage capital by £600
    Target 1: interest added £16.12/£70.66
    Target 2: next brick on the house £0/£2.11
    Target 3: £400 capital reduction £0/£100
    Target 4: £500 capital reduction £0/£100
    Target 5: £600 capital reduction £0/£100

    2) Emergency fund back up to £700
    £12.74/£92.74

    3) Surveys, cashback, sales etc. £4.58/£50
    £4.58 - Shopmium

    4) 15 NSDs
    3/15[/QUOTE]
    The 100 payment countdown (each payment = £400)
    2017 July : £36,800 8/100 Aug: £36,411.85 8/100 Sep: £35,945.66 10/100 Oct: £35,500 11/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 9th Dec 17, 7:51 PM
    • 648 Posts
    • 2,569 Thanks
    wishingthemortgaheaway
    Today has been a low spend rather than no spend day. I didn't buy enough fondant icing sugar to cover the Christmas cake, so had to go out and purchase a pack of ready made stuff to add to it. I also bought more milk. If it snows like crazy tonight, the plan is to go out sledging tomorrow afternoon and I want to have plenty of milk to be able to. One in and drink big cups of hot chocolate and eat homemade shortbread biscuits. (I made the biscuits today)
    Today I've also fake marzipaned & iced the Christmas cake - I have a nut allergy so can't go anywhere near marzipan, but found a recipe in line for a cake marzipan made of semolina flour, icing sugar & butter. Seemed to have worked ok.

    Today has also consisted of much tidying, but the house still looking a mess and laundry. That never ending cycle of despair.

    So, despite not being a nsd I haven't touched the bank accounts so no changes at all to the info below.

    How dull?

    Wish

    MSE December Goals

    1) Reduce Mortgage capital by £600
    Target 1: interest added £16.12/£70.66
    Target 2: next brick on the house £0/£2.11
    Target 3: £400 capital reduction £0/£100
    Target 4: £500 capital reduction £0/£100
    Target 5: £600 capital reduction £0/£100

    2) Emergency fund back up to £700
    £12.74/£92.74

    3) Surveys, cashback, sales etc. £4.58/£50
    £4.58 - Shopmium

    4) 15 NSDs
    3/15
    The 100 payment countdown (each payment = £400)
    2017 July : £36,800 8/100 Aug: £36,411.85 8/100 Sep: £35,945.66 10/100 Oct: £35,500 11/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 10th Dec 17, 8:53 PM
    • 648 Posts
    • 2,569 Thanks
    wishingthemortgaheaway
    We are well and truly in the 'middle of the month financial desert'. Despite the fact we've only actually had 1 full week in December.
    So far I'm winning on the grocery, spending money & 'stuff I'll forget' budgets.
    Household goods & restaurants have been demolished, so potentially a bit of juggling to do as we move forward.

    Today has been a nsd (Sunday's usually are) Christmas decs are up, and I'm ploughing on with the Christmas knitting. I'm wondering how I'm actually going to get everything I need to done this week as I've got no 'days' left. I need to write a list and I'm sure it won't be as bad as I think it is.
    Hubby is home for a couple of days, Tuesday should be interesting as I'm working from home and he's around all day too - shoe most definitely on the other foot to normal.

    So, just a minor alteration to my targets. Tomorrow is unlikely to be a nsd as I don't think I'll have any other time this week to go shopping.
    Wish

    MSE December Goals

    1) Reduce Mortgage capital by £600
    Target 1: interest added £16.12/£70.66
    Target 2: next brick on the house £0/£2.11
    Target 3: £400 capital reduction £0/£100
    Target 4: £500 capital reduction £0/£100
    Target 5: £600 capital reduction £0/£100

    2) Emergency fund back up to £700
    £12.74/£92.74

    3) Surveys, cashback, sales etc. £4.58/£50
    £4.58 - Shopmium

    4) 15 NSDs
    4/15
    The 100 payment countdown (each payment = £400)
    2017 July : £36,800 8/100 Aug: £36,411.85 8/100 Sep: £35,945.66 10/100 Oct: £35,500 11/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 11th Dec 17, 10:06 PM
    • 648 Posts
    • 2,569 Thanks
    wishingthemortgaheaway
    As predicted today was not a no spend day, but it wasn't a hugely spendy day either.
    £8 to a friend to buy some trousers for Pickle that her little one has outgrown.
    About £20 on the food shop for the week
    Household good has taken another hit due to Nappies, but we're still on track.
    A few Christmas bits bought and about £80 left in the Christmas pot.
    I'll Tilly tidy tomorrow when I get on the computer. (Going to mum and dads this weekend, where I left my iPad so can do my Tilly tidies on there from Friday)

    Hopefully a run of nsds coming up.
    Wish

    MSE December Goals

    1) Reduce Mortgage capital by £600
    Target 1: interest added £16.12/£70.66
    Target 2: next brick on the house £0/£2.11
    Target 3: £400 capital reduction £0/£100
    Target 4: £500 capital reduction £0/£100
    Target 5: £600 capital reduction £0/£100

    2) Emergency fund back up to £700
    £12.74/£92.74

    3) Surveys, cashback, sales etc. £4.58/£50
    £4.58 - Shopmium

    4) 15 NSDs
    4/15[/QUOTE]
    The 100 payment countdown (each payment = £400)
    2017 July : £36,800 8/100 Aug: £36,411.85 8/100 Sep: £35,945.66 10/100 Oct: £35,500 11/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 12th Dec 17, 7:07 PM
    • 648 Posts
    • 2,569 Thanks
    wishingthemortgaheaway
    So, last night I managed to get the Amazon order and an order for some additional shelves for my oven in before midnight. (My new, lovely, amazing, multi oven has a tall, thin oven, perfect for bun trays, it only came with 3 shelves, but 5 would fit easily, so I've ordered the extra 2. £30 including a roasting tray (that will fit in the oven) and a bottle of oven cleaner supposedly worth £15 - I don't suppose anybody ever pays that amount for it though.

    All of this means that today has been a nsd as intended. So updates on my targets are due to the Tilly
    Tidied done today from yesterday's spending

    I've got my first half day of supply teaching tomorrow and I'm terrified, but I'm going to put my big girl pans on and just do it. It's only half a day, even I can manage that...

    Onwards and downwards with the mortgage and spending.

    MSE December Goals

    1) Reduce Mortgage capital by £600
    Target 1: interest added £18.62/£70.66
    Target 2: next brick on the house £0/£2.11
    Target 3: £400 capital reduction £0/£100
    Target 4: £500 capital reduction £0/£100
    Target 5: £600 capital reduction £0/£100

    2) Emergency fund back up to £700
    £12.74/£92.74

    3) Surveys, cashback, sales etc. £4.58/£50
    £4.58 - Shopmium

    4) 15 NSDs
    5/15
    The 100 payment countdown (each payment = £400)
    2017 July : £36,800 8/100 Aug: £36,411.85 8/100 Sep: £35,945.66 10/100 Oct: £35,500 11/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 13th Dec 17, 6:00 PM
    • 648 Posts
    • 2,569 Thanks
    wishingthemortgaheaway
    Yay! Another nsd today. Can I make it three in a row by having another one tomorrow? I really hope so. (I'm getting just a little bit competitive with myself about these nsds.
    I did half a day's supply teaching today, most definitely a case of 'keep them alive for a few hours, it's the crazy Christmas period' I survived, timesheet has been submitted, money should be in my bank the end of next week.

    I've also sold an item on 'the boot sale app' so, if that's collected, it will be £3 in the mop pot - not a lot but 'every little helps' I'm keeping the bits I've got for sale up for sale at the moment, but I might find a friend to do a 'live' car boot with me next spring. I've definitely got enough stuff to do it with and, what doesn't go can be dropped at the charity shop on the way home.
    Hubby actually mentioned the word 'moving' last night (when I complained about the damp in the front wall) so, I definitely want to crack on with the decluterr as that will make moving easier and increase the equity a tiny amount.
    We should get £100k for our house - I wouldn't take less than £95k for it. It does need a new kitchen & there is a bit of damp, but it's all easily fixed - I think we should get the damp done though.
    Mortgage is currently standing at just over £35k, so we are looking at equity of about £65k.
    I think we need to have about £10k in cash as a 'moving pot' for fees and expenses, so need to check with hubby how the savings are looking for that.
    We have quite a specific wish list for our next home, due to hubby's self employment - no flight cases in any room I'm going to use, so we are going to be quite limited.
    We need to write our 'non-negotiables' and our 'it would be nice' lists.

    Tonight involves packing to go away at the weekend and prepping for my work visit tomorrow (overtime plus expenses) and attempting to keep warm.

    Have a lovely evening everyone.

    Wish


    MSE December Goals

    1) Reduce Mortgage capital by £600
    Target 1: interest added £18.62/£70.66
    Target 2: next brick on the house £0/£2.11
    Target 3: £400 capital reduction £0/£100
    Target 4: £500 capital reduction £0/£100
    Target 5: £600 capital reduction £0/£100

    2) Emergency fund back up to £700
    £12.74/£92.74

    3) Surveys, cashback, sales etc. £4.58/£50
    £4.58 - Shopmium

    4) 15 NSDs
    6/15
    The 100 payment countdown (each payment = £400)
    2017 July : £36,800 8/100 Aug: £36,411.85 8/100 Sep: £35,945.66 10/100 Oct: £35,500 11/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 14th Dec 17, 5:55 PM
    • 648 Posts
    • 2,569 Thanks
    wishingthemortgaheaway
    woooohoooo I've done it, 3 nsds in a row. I nearly caved in the service station today, it was soooo cold I felt I deserved a hot drink, but I stayed strong.
    Tomorrow is 'travelling to the parent's day' if I can scrap together enough drinks & snacks for the journey I could very well have a nsd tomorrow too.

    Saturday will not be as I'm booked in for the annual hair chop.

    So, only a minor update to the targets below and one step closer to retirement.

    Wish


    MSE December Goals

    1) Reduce Mortgage capital by £600
    Target 1: interest added £18.62/£70.66
    Target 2: next brick on the house £0/£2.11
    Target 3: £400 capital reduction £0/£100
    Target 4: £500 capital reduction £0/£100
    Target 5: £600 capital reduction £0/£100

    2) Emergency fund back up to £700
    £12.74/£92.74

    3) Surveys, cashback, sales etc. £4.58/£50
    £4.58 - Shopmium

    4) 15 NSDs
    7/15
    The 100 payment countdown (each payment = £400)
    2017 July : £36,800 8/100 Aug: £36,411.85 8/100 Sep: £35,945.66 10/100 Oct: £35,500 11/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
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

2,540Posts Today

6,643Users online

Martin's Twitter