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  • FIRST POST
    • pinkypig
    • By pinkypig 22nd Jul 17, 6:12 PM
    • 642Posts
    • 5,957Thanks
    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 12
    • pinkypig
    • By pinkypig 12th Oct 17, 8:46 PM
    • 642 Posts
    • 5,957 Thanks
    pinkypig
    This has felt like a long week but its nearly Friday and then its only one more week until half term

    Today had a ridiculously busy start but it settled down and ended up being quite productive. Wins included;

    Meal plan and shopping list done based on freezer use up so food shop done for £21.77 which I was really pleased as we'd run out of a few toiletries and they can add up. I also got two bags of kiln dried kindling in preparation for winter but that is from another budget.

    A small personal spend on day cream. I switched to the Aldi one a while ago and I love it. Its light and not at all greasy and smells lovely. Its also SPF 20 and all for £1.69 . don't like to think about what I used to spend on skin care

    Made some overnight oats, soup and have a curry to shove in the sc overnight.

    Cheap healthy eats (porridge for breakfast, hm soup for lunch and spaghetti carbonara for dinner).

    My bulk pack of popping corn arrived.

    Did a daily clean. Its so quick and makes the place look so much better.

    Laundry in but needs hanging on the airer as the forecast is terrible for tomorrow.

    Lunches sorted for tomorrow.

    Spin class done followed by a lovely hot (free) shower

    Marking not quite up to date but further forward than yesterday. Assessments

    I'm going to do a bit of marking while the washing machine finishes and then its off to bed for this tired piggy

    PP x
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 12th Oct 17, 10:14 PM
    • 450 Posts
    • 1,736 Thanks
    wishingthemortgaheaway
    Sleep well, 6 more get ups until half term.
    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
    • Betterthanever
    • By Betterthanever 13th Oct 17, 8:07 AM
    • 277 Posts
    • 1,093 Thanks
    Betterthanever
    I need to look at that skincare - I use Elemis at the moment. Enough said!!!
    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 13th Oct 17, 9:16 PM
    • 642 Posts
    • 5,957 Thanks
    pinkypig
    Sleep well, 6 more get ups until half term.
    Originally posted by wishingthemortgaheaway
    Only 5 now
    • pinkypig
    • By pinkypig 13th Oct 17, 9:19 PM
    • 642 Posts
    • 5,957 Thanks
    pinkypig
    I need to look at that skincare - I use Elemis at the moment. Enough said!!!
    Originally posted by Betterthanever
    All the toiletries and make up I've tried from there have been brilliant and I've never swapped back. The only thing in wasn't keen on was the toothpaste which was a bit runny and messy. Skincare range is great though as is the sunceam
    • pinkypig
    • By pinkypig 13th Oct 17, 9:50 PM
    • 642 Posts
    • 5,957 Thanks
    pinkypig
    Made it!
    Another week done. At about 11 am on Monday I wasn't sure if I'd make it this far

    Work came and went with no significant event. My marking is up to date and the last week of term is planned. I'll worry about the second half of the term at a later date

    No money updates other than I had a little spend . I spotted a lovely summer dress in the window of a new cs which I drive past. I had a look in tonight and tried it on. Its lovely, great quality and was a barginous £4. Getting a bit short of personal spends though and there's a lot of month left!

    Another bit of good fortune arrived today too. My bulk popcorn had two split packs (looked like they been caught with a box cutter). The contents was fine, I just put it in a storage jar but spurred on by Earthgirl's good practice I complained (which i never usually get aroubd to doing). Glad I did, they resent my order free of charge and told me to keep the damaged one. 10kg of popping corn should keep me going for a while

    Its been a miserable day here, wet and cold so I succumbed (much to the kid's delight) and put the heating on for an hour. I also lit the stove and a very small amount of coal has kept the living room and kitchen warm all evening and I've got two airers of washing which will hopefully be dry by morning so I need to do this more often I think. Its easy to feel deprived and fed up when you're cold and this is after all a marathon not a sprint!

    Other wins included;

    Uniform and PE kits washed

    Bol sauce from the freezer, spaghetti and hm garlic bread for dinner, freezer lo for lunch and overnight oats for breakfast.

    Both kids happy and looking forward to the weekend

    Quiet evening on the sofa watching catch up TV ( with a bowl of popcorn from the popcorn mountain ) Nice not to be flying through a 'to do' list.

    I'm off to bed soon and I will not be setting the alarm. I'll probably be awake at stupid o'clock but at least I won't have to get up. Love my Saturday morning coffee and a book in bed time

    Happy Friday whatever you are doing.

    PP xx
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 14th Oct 17, 12:05 AM
    • 450 Posts
    • 1,736 Thanks
    wishingthemortgaheaway
    Happy Friday Pp. I do miss friday night teacher night, the thought of doing absolutely nothing because the week has been so busy, but I've treated myself to one this evening.

    Have a fabulously frugal weekend and bring on the last week of the half term
    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
    • Moneyfordreams
    • By Moneyfordreams 14th Oct 17, 11:24 AM
    • 896 Posts
    • 4,341 Thanks
    Moneyfordreams
    I think I'll be popping to @ldi for that face cream too . Thanks for the info
    Mortgage Feb '13 £200000, end 2038. Aiming for before March 2025 (crunched to 2034)
    January 16 £182800 : minimum £360 OP but needs to be £600 to achieve 2025
    Current mortgage £159800
    h@lifax CC £4500 0% until May 2018.. will pay minimum for now, slow stooze
    xmas, chairs, hoover, computer and holiday [STRIKE}clothes[STRIKE] DD1 cc
    • pinkypig
    • By pinkypig 16th Oct 17, 8:26 PM
    • 642 Posts
    • 5,957 Thanks
    pinkypig
    Happy Friday Pp. I do miss friday night teacher night, the thought of doing absolutely nothing because the week has been so busy, but I've treated myself to one this evening.

    Have a fabulously frugal weekend and bring on the last week of the half term
    Originally posted by wishingthemortgaheaway
    Thanks Wish. Those Friday nights do have a magical quality

    Hope you had a good weekend too.
    • pinkypig
    • By pinkypig 16th Oct 17, 8:27 PM
    • 642 Posts
    • 5,957 Thanks
    pinkypig
    I think I'll be popping to @ldi for that face cream too . Thanks for the info
    Originally posted by Moneyfordreams
    Hiya MFD, thanks for stopping by. Hope you like it
    • pinkypig
    • By pinkypig 16th Oct 17, 8:56 PM
    • 642 Posts
    • 5,957 Thanks
    pinkypig
    The mystical disappearing weekend...
    I've have had one of those weekends, a proper one

    After my relaxing Friday night and a nice but full on day of Dad care I got a call from DS who had damaged himself in fairly spectacular style so we had a wild Saturday night in A&E . He is fully stitched back together and is sore but fine . When we eventually arrived home there was a message saying Dad's Sunday carer was ill so that was the rest of my weekend gone Add to that a DS up all night due to pain and DD rolling in during the wee hours its was a, long weary night!
    I gave up trying to sleep at five and got up and did all my 'surviving the working week jobs'. On the plus side I slept like a log last night

    There were some good bits and some MSE wins, just not as many as there should have been.

    Two nsd

    Roast dinner for us and mum and dad using a £2.50 ys joint of beef and Aldi super 6 veg followed by rhubarb crumble using rhubarb from my friend's allotment. There was also enough lo for lunches.

    Mum gave me a cooked chicken which made chicken pie filling, Thai red curry and the 2 breasts are in the freezer for a midweek roast dinner. I put the carcass in the sc and made stock which I used to make lo roast dinner soup.

    The not so good was no excercise, no cleaning or laundry, not enough water drank and no time to scratch my a***

    Today has been better. Work had its exciting (read testing) moments but I stayed calm and survived. DS is more comfortable and DD is happy. Mum and Dad are managing better than they have been so all feels well

    Other wins included;

    Nsd

    Cleaned kitchen floor and wiped down the units.

    Tomorrow's dinner prepped.

    Cheap healthy eats (porridge for breakfast, lo for lunch, hm roast dinner soup , ys artisan rolls and lo crumble and custard for dinner)

    Marking up to date

    Kettlebells class done and definitely getting easier

    I've done a survey I have an additiinal income of £2!! Well its a start

    Its blowing a hooley out there tonight so I've opted for bed, electric blanket, cup of tea and a catch up on the diaries. Lovely

    PP xx
    • Betterthanever
    • By Betterthanever 16th Oct 17, 10:34 PM
    • 277 Posts
    • 1,093 Thanks
    Betterthanever
    Sounds like a very trying weekend indeed. I hope your week is much better.

    Hurrah to the kettlebells and the survey though! Onwards and upwards.
    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!
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 17th Oct 17, 6:45 AM
    • 450 Posts
    • 1,736 Thanks
    wishingthemortgaheaway
    What a weekend. But half term is calling.
    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 17th Oct 17, 9:09 PM
    • 642 Posts
    • 5,957 Thanks
    pinkypig
    Deja vu
    Thanks BTE and Wish, I've had more relaxing weekends that's for sure

    Just returned from our second trip to A and E due to infection
    We now have super strength antibiotics and crutches (once they found some long enough for my baby boy). Let's hopeit was worth the four hour wait NHS staff are amazing. Despite being rushed of their feet they manage to look after everyone's needs. Jeremy Hunt needs to go and do a shift - 1% pay freeze my a**e. They deserve a medal. Sorry -don't often get ranty!! (Should maybe have left the predictive text on that last word and given you all a giggle).

    Thank goodness for batch cooking - we arrived home late and ravenous to Thai red curry, hm naan a rice in about 5 minutes and there's enough for tomorrow's lunches.
    Work was OK, nothing exciting, nothing awful. Lunch was hm soup and a ys granary roll so no spends apart from £1 on some sweets for my brave boy when we collected his prescription (he'll always be my baby).

    No cleaning or exercise done which is a shame but not the end of the world. No money news either. I hate this mid month lull where nothing's happening and you end up feeling like you've a mountain to climb. To top it all I got a big, unexpected bill from my previous life. Its only really half mine but I can face the aggravation so I've paid it. That's the beauty of an emergency fund I guess but it still feels like a step back
    Onwards and upwards though. I'm under budget on groceries, fuel and personal spends so if I batten down the hatches I can pull around 1/3 to 1/2 of it back so thats what I'm going to do. A thrifty half term beckons! I'm also going to get some eBay listings ready to try a raise a bit more cash before the month end.

    I'm much better at reducing spending than I am at increasing my income so I need to look for more opportunities.
    Im also going to take some time to reflect on my journey so far to list positive changes that I've made which are now thrifty habits and to try and think of new ways to save, to improve my quality of life and to increase my income. Next week should give me the headspace to do this.

    Hope everyone survived the storms without mishap.

    PP xx
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 17th Oct 17, 11:09 PM
    • 450 Posts
    • 1,736 Thanks
    wishingthemortgaheaway
    Booo to unexpected bills. They should be banned.
    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 18th Oct 17, 8:55 PM
    • 642 Posts
    • 5,957 Thanks
    pinkypig
    Booo to unexpected bills. They should be banned.
    Originally posted by wishingthemortgaheaway
    I know its very unlike me to be caught on the hop like that but it goes back over three years and was during a time when I was shall we say, less than happy! Its paid now though so I'll notch it up to experience
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