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  • FIRST POST
    • pinkypig
    • By pinkypig 22nd Jul 17, 6:12 PM
    • 644Posts
    • 5,961Thanks
    pinkypig
    And so it begins: The Pig Vs The Mortgage
    • #1
    • 22nd Jul 17, 6:12 PM
    And so it begins: The Pig Vs The Mortgage 22nd Jul 17 at 6:12 PM
    Hi everyone, after literally years of lurking I'd very much like to join you if I may? Having been truly inspired by the commitment and achievements of Secret Saving Squirrel,Tilly and Museumworker I'm finally convinced that the best way of remaining motivated and on task is to keep a diary. I'm hoping that regular reporting will lead to increased levels of accountability and reduced levels of excuse making
    To provide a little background there's me and two piglets. I work fulltime in a job that I enjoy but which is becoming increasingly demanding in terms of time and energy. Consequently,I want to achieve financial freedom within 7 years. I aim to do this through a combination of increased voluntary pension contributions and overpayments on my mortgage.
    I find discussing these things in RL a little uncomfortable as most of my peers don't really get where I'm coming from. The perception seems to be that to live thriftily is to endure a miserable existence and living a full life involves endless spendy hobbies and events. I know the folks on here are kindred spirits so I'm hoping for a place to celebrate success and to off load anxieties as I embark on my slightly scary but rather liberating journey to freedom
    Last edited by pinkypig; 22-07-2017 at 6:22 PM.
Page 10
    • pinkypig
    • By pinkypig 20th Sep 17, 9:06 PM
    • 644 Posts
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    pinkypig
    Over the hump...
    Thank goodness, I am pooped - sincerely hope I haven't peaked or its going to be a long term I've also got a weird half a sore throat??!!
    Other than that its been a reasonable day. I've got a challenging class so I'm ever on my toes but so far they've been better than I thought they'd be
    As I marked through break and lunch I got a reasonably early finish so I got to spend a bit more time with the kids before they went off and did their thing. I do love to see them moving confidently towards independence but I also truly miss that time when we did everything together. Not really looking forward to my nest being empty

    I've had an unexpectedly spendy day today. I read Martin's email and sorry to mention the C word but i thought I'm not getting caught on the hop with little stocking fillers,especially for ds (never seem short of ideas for dd) so ear phones, phone cases and bits of jewellery winging their way from China for a grand total of £4.96 Hopefully they'll be here in plenty of time.
    Then came £7 for staff room supplies (which is stonking good value for a term) followed by £7.77 on 36 toilet rolls, dog biscuits and 6 toothbrushes ( as you can see I've been pushing the boat out)
    In other money news I os a TT of £1.02
    As a result of lethargy I've left most of the jobs I planned to do but did manage;

    To make spaghetti carbonara for tea (with enough lo for lunch tomorrow)

    To get hm chicken pie filling made with lo roast out of the freezer for tomorrow's dinner.

    Cheap eats - porridge for breakfast and lo Chinese pork and veg rice for lunch

    A yoga class

    Washed a load of laundry and hung it on the airer.

    Only one week until pay day and my month end calculations. Can't wait

    Off to bed as my eyes are actually closing!

    PP x
    • pinkypig
    • By pinkypig 21st Sep 17, 9:08 PM
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    pinkypig
    Counting down to the weekend
    Its nearly Friday

    Got landed with the emotional mopping up of an incident at work which had the potential to be a real pain but luckily it resolved itself without too much trouble. Other than that it was a nice day and I left in reasonable time having done all my marking . Hardly dare say it as its bound to go t***s up at some point but my resolution to work smarter is really helping to maintain a bit of balance in the piggy household.

    In money news I got £5.80 of NatWest rewards paid into my account so that was OS. I had a£1.34 grocery spend on cous cous and 6 pack of crisps for DS's packed lunches ( don't like him having them but at least this way they are 75p for 6 and not 50p a packet from the canteen which he can be tempted to do left to his own devices).
    I also had a £3.54 spend on some bits of xmas gifts but this will come out of my annual costs budget.
    I'm not doing very well with NSDs this week
    Other than that I've managed to:

    Make tomato and Basil soup and cous cous and roasted veggies for the freezer.

    Finish the ironing

    Do a spin class - legs feel like jelly

    Cheap eats (porridge for breakfast, lo carbonara and salad for lunch, HM chicken pie using filling from the freezer with roast potatoes, broccoli and Sweetcorn for dinner). There was enough pie filling to make two pasties for the kids lunches tomorrow
    Didn't need to do a daily clean as DD hoovered right through and cleaned the bathroom

    DD is having a weekend away with friends and DS is off to his dad's so I am having a proper, grown up city break. I'm doing my best to keep it thrifty. I have an advance train ticket which I bought through TCB, I've made a roasted veg and cous cous salad to eat on the train and I'll take my own coffee and water. Plans include sight seeing, relaxing and a run so nothing spendy. I'm really excited about it
    Off to catch up with the GBBO and then off to bed. I always seem to be ready for bed by 9.30. I'm often going to bed just as DD is going out

    PP x
    • pinkypig
    • By pinkypig 25th Sep 17, 8:51 PM
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    pinkypig
    Hunt the diary!
    . My neglected diary was eventually located towards the end of page three. Must try harder...

    I had a truly lovely weekend away and despite the travelling and packing a lot in I returned ready to attack the new week. Just as well as I've had a pig of start (no pun intended) but more of the nice stuff
    I managed a full on day of sight seeing, museums and beautiful parks for the price of a £3 bus ticket I must have walked miles and ended up with the blisters to prove it but I had a supply of plasters in the black hole that is my handbag so no additional spends there! Lunch and dinner were picnics that included coffee and water so no food spends apart from £1.30 on a coffee whilst having a much needed sit down whilst waiting for the bus home.
    I did have a few other spends but they were careful and considered. £4 was on four lots of £land hair colour as my local one hasn't had my shade for months so I stocked up. I also got Primarni trainers liners as mine have all worn to the point of translucency. These were needs but I must confess to giving in to a want in the shape of Phase Eight dress which is just lovely. I haven't gone completely bonkers though (my days of ludicrously priced but lovely dresses are over) as it was £6.95 from the local hospice shop. Its immaculate, great quality and is a perfect fit. Consequently I felt purchase guilt for a nano second and then felt very chuffed . The rest if the weekend was just relaxing and chatting although I did get out for a run in the sunshine Apart from travel expenses that was my total spend as I took my own food for the train and stayed with a lovely friend.

    In money news I managed an os payment of £44.95 from an expenses cheque and pay day is very soon so I'm looking forward to doing my September totals (sad I know:rotfos ).
    I haven't been grocery shopping yet and so I'm going to do a mini stores challenge which would mean cutting out one weekly shop for this month so I could os a bit extra.
    Today was porridge for breakfast, soup from the freezer and ys rolls for lunch and veggie moussaka from the freezer for dinner. There was no salad so I used frozen veg instead and it was OK. I've eaten the last apple but I've got tins of grapefruit from AF, frozen foraged apples and blackberries and frozen rhubarb so I'm going to make do.
    I've found veggie chilli for tomorrow but as there's no rice it will be hm wedges using the first of my home grown potatoes. There could be some interesting combos by Thursday

    In other news;
    Unpacked and put bag away
    Laundry left on the airer has been folded and put away (I must,must,must make this a habit)
    Went to kettle bells and managed to increase my weights and survived. Remembered my shower things so had a long, hot,free shower
    Marking and tomorrow's prep done
    Nsd apart from petrol
    Got a good night's sleep and drank plenty of water

    Off to catch up on a bit of TV and the essential term time early night (my electric blanket is on).
    Hope you all had a lovely weekend and survived a grey, wet Monday.

    PP x
    • pinkypig
    • By pinkypig 26th Sep 17, 8:17 PM
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    pinkypig
    A day of nothing much
    Its been a lovely sunny day here but it didn't give me the lift it normally does and I've felt a bit weary towards the end of the day. This is the time when the mortgage feels huge and endless. Must stay positive and my diary and the threads on here never fail to give me a boost. I'm so glad to have found like minded folk who experience the same highs and lows that a journey like this invariably brings. So onwards and upwards

    Not much money news apart from a 76p TT to the OS pot and a small spend on posting a letter. Other than that it was a nsd.
    I'm continuing my stores challenge and have used up porridge oats for breakfast, a baked potato and a tin of fruit for lunch and veggie chilli for dinner with enough leftovers for lunch tomorrow.
    Work was generally OK and my marking is up to date and tomorrow's prep is done.
    I've kept to my lifestyle challenges and have done a spin class and drunk enough water
    Its pay day very soon and I'm looking forward to a money shuffle

    At the risk of repeating myself I'm going to read for a bit before getting another early night

    PP
    Last edited by pinkypig; 26-09-2017 at 8:20 PM.
    • Downshifterella
    • By Downshifterella 26th Sep 17, 9:17 PM
    • 59 Posts
    • 303 Thanks
    Downshifterella
    Well done on the health /lifestyle challenges PP and the prep/making being up to date! No mean feat and not surprised u feel a bit meh at times....this week has felt a bit like that to me too....waiting for "something"...( Not sure what! OP potential?....Friday?..)

    Paydays pin too for me and looking forward to some money shuffling too! Ah how easily pleased I am!
    MF planning for the simple life
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 26th Sep 17, 9:36 PM
    • 456 Posts
    • 1,770 Thanks
    wishingthemortgaheaway
    Keep going. It's nearly pay day. And then it will be half term before the next payday.
    The 100 payment countdown (each payment = £400)
    2017 July : £36,800 8/100 August: £36,411.85 8/100 September: £35,945.66 10/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • pinkypig
    • By pinkypig 28th Sep 17, 5:45 AM
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    • 5,961 Thanks
    pinkypig
    Well done on the health /lifestyle challenges PP and the prep/making being up to date! No mean feat and not surprised u feel a bit meh at times....this week has felt a bit like that to me too....waiting for "something"...( Not sure what! OP potential?....Friday?..)

    Paydays pin too for me and looking forward to some money shuffling too! Ah how easily pleased I am!
    Originally posted by Downshifterella
    Thank you. Genuinely love a money shuffle
    • pinkypig
    • By pinkypig 28th Sep 17, 5:47 AM
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    • 5,961 Thanks
    pinkypig
    Keep going. It's nearly pay day. And then it will be half term before the next payday.
    Originally posted by wishingthemortgaheaway
    Thanks Wish - you're right, pay day and the holidays. What's not to like?
    Hope you're feeling a bit better xx
    • pinkypig
    • By pinkypig 28th Sep 17, 6:12 AM
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    pinkypig
    Where did last night go?
    I am finding a daily post is so beneficial in keeping me focused but yesterday just disappeared on me

    Work was good but frantic. I'm adapting my approach to deal with some of the more challenging aspects of my job and I'm starting to see real improvements. Determined to have it nailed by half term then we can all just get stuck in and have a successful and enjoyable (still of that 'old school' belief that this matters ) year.

    Health and lifestyle changes are going well. I drank plenty of water, did a long run and had a lovely, relaxing evening with a couple of friends. A great catch up and no spends as it was a their birthday treat ( and it really was a treat to eat out, not doing it often makes it so much more enjoyable then when I was doing it all the time).

    In money news it was rent day so my cashback credit card that I use for groceries, fuel and personal spends was paid in fully. As its payday today I paid the balance of the rent plus what was left in my current account into the OS mortgage pot so £343.90 transferred
    I also managed to get a free loaf of bread from Shopium and finally tracked down the cranberry juice that cost £2 which Ocean Spray refund as part if their promotion and got £1 from Shopium so Im being paid to drink it (thanks for the tip Museumworker). Receipts all uploaded so should get refunds soon.
    I've managed to skip a weekly shop by having a use up. My only spend this week was on milk. My stocks are depleted but not desperate so I might have another try at this next month.

    I get paid today so I need to tally up budgets and set new goals. My mortgage accounts will update on the 1st then I'll be able to see exactly how I've done. Can't wait!!

    Best get moving - another day begins...
    • pinkypig
    • By pinkypig 28th Sep 17, 10:14 PM
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    pinkypig
    Today seems to have disappeared very quickly. Work was uneventful and I got an early finish which was both welcome and useful.

    Meal planning is done and the weekly food shop was £36.98 and I've enough ingredients to do at least four lots of batch cooking. I didn't go off list apart from buying a long handled paving wire brush which I've had my eye on for weeks which was reduced to £2.50 and a baby gift for a colleague which was reduced to £1.50

    I got a load of laundry line dried and put away and batch cooked spag bol sauce in the slow cooker. I used turkey mince and padded out with some bread crumbs from the freezer. Aldi have reduced chopped tomatoes with herbs and they've made a lovely,rich sauce. I've kept on portion out for an easy weekend tea and have frozen three.
    In money news I've requested a small payment from TCB and Shopium have confirmed my refund on my bread and juice. This weekend I need to work out my totals for September although I'm working all weekend so realistically it might be early next week. I want time to do it carefully and properly - its my favourite time of the month

    My October targets are going to be ;

    Health and well being - drink two litres of water a day, no processed food and no excessive snacking, exercise four times a week and get at least 7.5 hours sleep. Get as much time with the kids, family and friends as possible.

    Money ;
    Pay £800 net into AVC to make sure I have enough income to retire in 7 years.

    OS £400 a month so will be mortgage free when I retire early.

    Stick to budgets £150 grocery, £130 fuel, £50 personal and OS anything that is left over.

    Continue keeping a spending diary

    Home health - continue with daily cleaning routine and cut back two more areas of garden.

    I would also like to have my Christmas things done over half term as work and life ard always frantic in December. This year's will be approached as a thrifty challenge and I've made a good start with a heap of bargainous purchases made in the January sales and some CS gems I've picked up throughout the year

    Night night

    PP x
    • pinkypig
    • By pinkypig 1st Oct 17, 7:47 PM
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    • 5,961 Thanks
    pinkypig
    Pinch,punch...
    Happy new month!

    Hats off to anyone who regularly works weekends and/or extra shifts and jobs. I've done it once and I'm knackered. Truly s***e weather didn't help but I'm home now and wet, muddy clothes are washed and on the airer and the made ahead bol sauce made for a quick and easy dinner. The kids appear disinterested by return so they clearly haven't been wasting away through neglect.
    Before I take to my bed (a ridiculous time even for me) I thought I do my favorite job of the month - budget updates

    Spends

    Grocery £108.09/£150. That freezer/stocks use up saved a packet

    Travel £115.55/£130

    Personal £71.15/£50. A haircut and a Christmas meal deposit didn't help but I also failed to resist new(to me) shoes, a dress, wine glasses and had a hair colour stock up. Must try harder...

    Gas and electricity - no idea as I'm switching supplier and my smart meter data was wiped mid month.

    Annual expenses (which I save for monthly)

    £67.50 coal
    £25.17 gifts and cards
    £8.53 Christmas gifts

    Money saving

    Pension AVC £0/£800 net. My application wasn't processed in time for payroll cut off so my first contribution will be in October.

    Annual expenses pot £500/£500

    Interest from MOS account £50.93

    MOS saving £1942.54/£400. This is high because the£800 avc payment went in here instead and I also had £430.29 of annual interest to pay in but even so I would have exceeded my target
    Well chuffed

    The mortgage balance is now £110,226.59 which means my mortgage neutral balance is £101,539.41. This is a capital reduction of £3325.75 in September. I could literally squeal with joy. The day I did discovered this forum was a pivatol day indeed. Thank you, thank you, thank you

    My aim was under £100k by the end of the year but secretly I wanted the end of November. It's now the end of October. Off I go - wish me luck
    Hope you all had a lovely (if water logged) weekend.

    PP x
    • pinkypig
    • By pinkypig 2nd Oct 17, 9:34 PM
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    pinkypig
    I fear I maybe an idiot...
    Having done my monthly updates and checked them I realised by reading other people's diaries that my mortgage account wasn't fully updated as it was a Sunday . The good news is the mortgage amount has gone down. I'm going to keep an eye on it to see if the monthly interest has been applied. Its only my second complete month of my new os mortgage and I'm still getting to grips with the online statements. I am also a bit of an idiot

    Autumn has descended with a vengeance. Torrential rain, high winds and dark by 7pm Looking on the bright side its time for woolly jumpers, lighting the wood burner and making lots of lovely comfort food

    Today's successes

    An uneventful day at work. I can feel the stress building around me and my diary is getting fuller and fuller so I'm going to try extra hard not to get overwhelmed by things. I want to try to keep working smarter not longer.

    Marking up to date and tomorrow's prep done.

    2 litres of water drank and kettle bells class done (was tempted to duck out due to tiredness and miserable weather but they charge for late cancellations. Glad I didn't as I feel better for going).

    Cheap healthy eats (porridge for breakfast, baked potato and lo bol sauce and salad for lunch, veggie chilli from the freezer for dinner).

    Nsd

    Ds's homework done. It appears the work = success equation is beginning to slowly penetrate. Let's hope it's not too little too late!

    Nice chat and a cup of tea with dd before she headed out to catch up with her friend. Really quite proud of the woman she's becoming

    Quick visit to mum and dad who are coping OK. Long may it last

    Not quite so successful

    No cleaning

    Utility room is a tip. Several boxes of stuff dumped in there ready for sorting through plus a bit of filing

    Need to call boiler insurance as the pressure has dropped and it needs reseting - forgot

    Not enough sleep.

    Tomorrow I would like to sort out at least one of the above, batch cook a curry, do an hour's cardio, drink 2 litres of water and have a calm productive day at work. We' ll see

    PP x
    • Betterthanever
    • By Betterthanever 3rd Oct 17, 4:28 PM
    • 279 Posts
    • 1,102 Thanks
    Betterthanever
    Oh I am so with you on all the above....except the cardio - I'm still on crutches. But hopefully will be back to it before too long. I can feel the dodgy food starting to make itself comfortable around my midriff!!!
    Former DFW Nerd 230. Determined to be MF.
    Current balance £116,149.98. Offset £1,236. £114,913.98 needed to be mortgage neutral!
    End date - 03/29 but aiming for 10/22

    Bring it on!
    • pinkypig
    • By pinkypig 4th Oct 17, 7:04 PM
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    • 5,961 Thanks
    pinkypig
    Oh I am so with you on all the above....except the cardio - I'm still on crutches. But hopefully will be back to it before too long. I can feel the dodgy food starting to make itself comfortable around my midriff!!!
    Originally posted by Betterthanever
    You must be so frustrated hope you make a full recovery soon. You're also right about the midriff. I used to be able to eat anything. Not anymore! Xx
    • pinkypig
    • By pinkypig 4th Oct 17, 7:38 PM
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    pinkypig
    Somehow lost Tuesday!!
    Yesterday was bonkers, literally chasing my tail all day. Work was fairly straightforward but busy and home was just busy.

    I did manage some wins just not as many as I needed;

    Batch cooked chilli (using turkey mince and padded out with breadcrumbs - no one has noticed) and put a huge veg curry in the sc while I was at work so Ive some easy freezer meals for the last few weeks of term.

    Drank enough water and did a spin class

    Happy children

    Did a bit of tidying in the utility room. Boxes still there but the filing is done and the dry laundry is folded and away.

    Cheap, healthy eats (porridge for breakfast, baked potato and beans for lunch and veg curry and rice ( moved onto brown rice and its lovely) . Used lo for lunch today.

    Didn't manage nsd day as 'we've' (kids) have lost the dog collar and lead. I did manage to get a nice collar and lead set in Poundstretcher for £1.99 though

    Today has been cold and wet and the heating went on for the first time. It was just for an hour as the house felt really cold. It's lovely and toasty now though

    Lunch was lo and dinner was chilli, hm wedges using sprouty potatoes and salad. Lo have been packed up for tomorrow and I filled the spaces in the air fryer with baked potatoes which I'll freeze for lunches next week.

    DD has hoovered and a load of laundry is in. Its meant to be a decent day tomorrow so hopefully it'll line dry along with my bedding which needs doing too.

    I've been through my xmas /pressie stores and have sorted out my October and November birthdays and have a list of who's getting what for Xmas. I need very little. Stocking fillers are on there way from China and I got wrapping paper, gift bags, ribbon and cards at the tail end of the sales when they were dirt cheap. I've got some candles, cakes and pudings to make but I've got all the stuff and theme hampers to assemble but I feel I'm on my way to a thrifty Xmas that doesn't look like its been done on the cheap. Forward planning is a wonderful thing. Pity I didn't work that out twenty years ago!!

    On money news I os £1.90 paid in by Shopium. Oceanspray have confirmed my refund so that will be another £2 and its rent day on Fri so I can make a decent os payment. My avc contribution has started so my salary was £800 lower but my pension pot was £1000 better off

    Still very snuffly and tired so I'm off to bed to catch up on Liar before getting a very early night.

    PP xx
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 4th Oct 17, 7:54 PM
    • 456 Posts
    • 1,770 Thanks
    wishingthemortgaheaway
    You are so organised. I am exhausted and stuck to the sofa. Need to find some tea from somewhere.
    The 100 payment countdown (each payment = £400)
    2017 July : £36,800 8/100 August: £36,411.85 8/100 September: £35,945.66 10/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • fiona100
    • By fiona100 5th Oct 17, 12:59 PM
    • 14 Posts
    • 20 Thanks
    fiona100
    Thanks for the reminder PP.


    I do try to start early, and have even allocated a desk drawer to be the present accumulator. Now I need to go in and sort out who gets what and what else I need (alternatively known as who gets homemade). Almost everyone got chutney last year, and my vanilla extract got requested - so I will look like a lush, getting a couple of bottles of vodka. Now to find the time
    • pinkypig
    • By pinkypig 5th Oct 17, 8:55 PM
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    • 5,961 Thanks
    pinkypig
    You are so organised. I am exhausted and stuck to the sofa. Need to find some tea from somewhere.
    Originally posted by wishingthemortgaheaway
    You've got a baby to look after, you're allowed. If I'd had your savvy when mine were tiny I'd be retired by now!
    You also won't be saying that when it becomes clear that I've peaked, then got complacent because I think I'm ahead of the game and then dissapear up my own backside in a puff of glitter around December the 23rd
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 5th Oct 17, 8:56 PM
    • 456 Posts
    • 1,770 Thanks
    wishingthemortgaheaway
    That puff of Christmas glitter, I know it well. Although at least 1 class I've taught were never allowed glitter.
    The 100 payment countdown (each payment = £400)
    2017 July : £36,800 8/100 August: £36,411.85 8/100 September: £35,945.66 10/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • pinkypig
    • By pinkypig 5th Oct 17, 8:57 PM
    • 644 Posts
    • 5,961 Thanks
    pinkypig
    Thanks for the reminder PP.


    I do try to start early, and have even allocated a desk drawer to be the present accumulator. Now I need to go in and sort out who gets what and what else I need (alternatively known as who gets homemade). Almost everyone got chutney last year, and my vanilla extract got requested - so I will look like a lush, getting a couple of bottles of vodka. Now to find the time
    Originally posted by fiona100
    Hiya Fiona, your presents sound fab, homemade gifts are always a treat. Try and walk straight when you pick up your vodka
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