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  • FIRST POST
    • pinkypig
    • By pinkypig 22nd Jul 17, 6:12 PM
    • 869Posts
    • 7,505Thanks
    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 21
    • pinkypig
    • By pinkypig 5th Jan 18, 8:16 PM
    • 869 Posts
    • 7,505 Thanks
    pinkypig
    Just noticed I've gained a star

    How exciting
    • pinkypig
    • By pinkypig 6th Jan 18, 9:07 PM
    • 869 Posts
    • 7,505 Thanks
    pinkypig
    I've had a right accident prone day. Whilst wrestling out the most deep rooted and stubborn shrub in the history of b****y awkward shrubs I bent down to grapple a particularly frustrating bit and got a twig in the eye to go with the three broken nails. After that I was enjoying a quick bit of catch up tv with coffee and a bowl of popcorn and lost a chunk of tooth I did have to laugh to myself as my first thought was hoping it wouldn't be too expensive - sign of a true mfw addict

    Other than the above, today has been a good day. I woke at 8.30 but felt better for it. Not to be cheated out of my Saturday treat of a coffee and a quiet read in bed by sleeping in I did it anyway so I never got going until 9.30. Felt nice and relaxed when I did though

    The food shopping was done for £13.53 and that was mainly toiletries and some cleaning bits plus milk and some fresh fruit and veg. I've had some real luck with YS meat recently which is normally hard to come buy so I grabbed it while I could. It will last us months and months and it was a real bargain at £47 for £114 worth of meat plus a load of 10p carvery meat that is normally £2. However it has decimated my monthly budget. I've got £49.70 to last three weeks Feel a store cupboard challenge coming on...

    Breakfast was fakeaway egg Mcmuffins, lunch was tuna melts using ys artisan rolls which were yummy seeded ones. Dinner was hm pizza and salad. I made double dough and portioned some up for the freezer and did a vat of sauce in the slow cooker so there was 6 pots to freeze.

    The rest of the day was battling that sodding bush It is the second round DS and I have done with it and we are winning. there's about a third of it left to go so I'm hoping one more session will do it. Its right in front of the patio doors and is overgrown and frankly, ugly. I'm going to plant lavender and lovely bulbs in its place

    Two loads of laundry are done and drying on the airers and DD changed her bed. I've also done my weekly filing Must keep it up!

    Went for a very cold run!

    DD and BF are booking their summer adventure and DS is out with his mates so I'm going to have an hour in front of the TV before my taxi services are required.

    I've no money news other than my new for2018 approach to gift buying and in particular Christmas seems to be going well. I was shocked by my annual spend in 2017 (nearly £600) and its quite honestly neither sensible or sustainable. To try and keep it within reasonable levels this year I wrote a list and toddled off to the sales and bought most of my birthday and Christmas gifts for the coming year. I recorded what I'd got so I wouldn't forget and put them in clip top storage boxes in the attic. There were some amazing deals on make up and nail sets plus half price jumpers, scented candles and reed diffusers and £5 dressing gowns, 50p bed socks and £2 slippers I also bid for some silver bangles, bracelets and necklaces from China on Ebay and get several for between 35p and £1.07 plus some organza bags and gift boxes to put them in. Came to less than £10 and that's my nieces all sorted plus some bits for DD
    I then held my nerve for the Christmas stuff until it hit rock bottom and picked up gift bags, wrapping paper, ribbon, cards, crackers at 75% off I've still got the kid's main pressies to budget for but they will be getting a cheque for a fixed amount plus a few things to open (most of which I have). My spreadsheet (get me) says £76.35 -well chuffed

    Off for a cup of tea, a few Christmas chocs and a some TV. Living the Saturday night dream

    Happy rest of the weekend to you.

    PP xx
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 6th Jan 18, 9:56 PM
    • 811 Posts
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    wishingthemortgaheaway
    Wow. That's amazing - the present buying and meat buying. Go you.

    Boo to the bush though. Dynamite?
    The 100 payment countdown (each payment = £400) 2018 Starts at 13/100 o/s £34,750.
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2025
    MFW 2018 Challenge Member #162 0/£2,500
    • pinkypig
    • By pinkypig 7th Jan 18, 4:16 PM
    • 869 Posts
    • 7,505 Thanks
    pinkypig
    Wow. That's amazing - the present buying and meat buying. Go you.

    Boo to the bush though. Dynamite?
    Originally posted by wishingthemortgaheaway
    Not sure that would shift it
    • sofarbehind
    • By sofarbehind 7th Jan 18, 4:31 PM
    • 281 Posts
    • 1,182 Thanks
    sofarbehind
    Ouch! Evil, mean bush. Is it out now? I am impressed that you are gardening in this weather. I had a quick tidy up of the front but decided it's too cold to anything in the back, I have a lot to get on with but I'm ignoring it. I too have a huge light blocking bush that needs to go..

    Where did you get the pressie stuff? ASDA? I'm impressed with that, I spent a lot on gifts too and buying a few bits now would help. Particularly stuff like wrapping paper and candles.
    Save 12k in 2015, Number #052 (19.4k)
    Save 12k in 2016, Number #031 (15.1)
    Save 12k in 2018, £800 / £10k target

    Mortgage overpayments 2018: £0
    Huge mortgage £145K
    • pinkypig
    • By pinkypig 7th Jan 18, 4:38 PM
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    • 7,505 Thanks
    pinkypig
    Where's today gone? Mostly helping DS with stuff but what a lovely way to spend a day. I love it that they are building their own lives but I miss have them with me all the time so much
    Course work is finished and checked, food tech trial run is done and in the oven and we've found ways to speed things up so he can do his three things in three hours. Trialling main course next week and the whole thing the weekend before his assessment. At least he will have an appreciation of how much energy goes into feeding people - he was knackered having done dessert

    No money news other than we had lo pizza for lunch and I filled the oven with baked potatoes for the freezer while it was on with ds's food tech so that'll save a few bob. Family are landing for dinner which is ys roast pork with the last of the ys veggies which have been roasted. There was batched cooked cauli cheese, red cabbage and dauphinoise potatoes in the freezer so that made things a bit easier. DS's torte del Nonna is for pud

    Laundry needs folding and putting away and I need to make myself presentable but other than that jobs for the weekend are done (still more to do but officially saying no more for today!).
    The week ahead is looking busy but manageable although I'm sure a five day week will prove a shock

    I'm reading Greying Pilgrim's diary - she is so positive and upbeat I'm going to take a leaf out of her book and try and get through the week without twining

    Hope everyone's had a good weekend.

    PP x
    • pinkypig
    • By pinkypig 7th Jan 18, 4:44 PM
    • 869 Posts
    • 7,505 Thanks
    pinkypig
    Ouch! Evil, mean bush. Is it out now? I am impressed that you are gardening in this weather. I had a quick tidy up of the front but decided it's too cold to anything in the back, I have a lot to get on with but I'm ignoring it. I too have a huge light blocking bush that needs to go..

    Where did you get the pressie stuff? ASDA? I'm impressed with that, I spent a lot on gifts too and buying a few bits now would help. Particularly stuff like wrapping paper and candles.
    Originally posted by sofarbehind
    Sadly about a third of the b*****d is still there Had enough of it for one weekend!

    My gifts were mainly asda with a candles and bits from Poundstretcher and jewellery from Ebay auctions (shipped from China so take a while but cheap as chips. I also found that on the rare occasion there is a problem with shipping or quality they give a no quibble refund).
    All the paper and stuff was from Asda. Just hope come December I can find it all

    Well done on getting out for your run. Hope you aren't suffering from runner's a**e today How was your Sc casserole?
    • Downshifterella
    • By Downshifterella 7th Jan 18, 5:57 PM
    • 86 Posts
    • 491 Thanks
    Downshifterella
    Thanks pinky! Feeling on the mend now!
    Well done on those bargains!! ��And all that cooking! Very inspiring x
    MF planning for the simple life
    • pinkypig
    • By pinkypig 8th Jan 18, 8:08 PM
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    • 7,505 Thanks
    pinkypig
    Thanks pinky! Feeling on the mend now!
    Well done on those bargains!! ��And all that cooking! Very inspiring x
    Originally posted by Downshifterella
    Glad you're feeling better Ella
    • pinkypig
    • By pinkypig 8th Jan 18, 8:26 PM
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    pinkypig
    Monday done which is always an achievement! Today was busy and without major incident, my marking is done and I got out for a,walk and a good natter at lunchtime so all in all a good day.

    In money news I got a £140 bill for the replacement of leaking conservatory flashings which I was expecting but it still proved painful! January is proving to be an expensive month.

    Other spends were £2.34 on milk and oats plus 4 x extra special olive focaccia for 10p each

    I did a quick wipe and sweep before work and put the laundry away so there was nothing to tonight but make dinner. That involved putting a lo roast pork dinner in the mW and waiting for it to ting
    Lunch was also lo so a zero effort day!

    Managed a kettle bells class but only 1.5 litres of water drank so far.

    Off to collect ds from tonight's sports club then reading for a bit and bed.

    PP xx
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 8th Jan 18, 10:03 PM
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    wishingthemortgaheaway
    Sounds like a good day for you. And you'll be grateful for the conservatory repair when (if) the weather improves.
    The 100 payment countdown (each payment = £400) 2018 Starts at 13/100 o/s £34,750.
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2025
    MFW 2018 Challenge Member #162 0/£2,500
    • pinkypig
    • By pinkypig 9th Jan 18, 8:27 PM
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    • 7,505 Thanks
    pinkypig
    Sounds like a good day for you. And you'll be grateful for the conservatory repair when (if) the weather improves.
    Originally posted by wishingthemortgaheaway
    You're right - no fun sitting in a puddle
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 9th Jan 18, 8:35 PM
    • 811 Posts
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    wishingthemortgaheaway
    You're right - no fun sitting in a puddle
    Originally posted by pinkypig
    Unless you are an 18months old Pickle, in which case it's the best thing ever!!!!
    The 100 payment countdown (each payment = £400) 2018 Starts at 13/100 o/s £34,750.
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2025
    MFW 2018 Challenge Member #162 0/£2,500
    • pinkypig
    • By pinkypig 9th Jan 18, 8:56 PM
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    • 7,505 Thanks
    pinkypig
    Brrrrrr!
    This is one hell of a cold snap! I went prepared today, down coat, bobble hat, the works. The only bit showing when I was on duty was the tip of my red nose

    Work flew but I got through what I needed to and all my marking was done before I left. I've got a busy day and a late night tomorrow though so glad I'm not behind with things.

    Today was rent day so money was transferred to the os pot. I went on line and paid my repair bill so I'm up to date for now although the car is going in for a service this week which may blow my figures completely. Looking on the bright side (as we must!) at least I put money aside each month to cover things like this. Other than the repair bill its been a nsd.

    Other successes included;

    My sister really liked her hm birthday pressie

    Fixed my broken watch strap with super glue.

    1/2 hour walk and a good natter at lunchtime. Really enjoy this (b****y cold though!).

    Cheap healthy eats (porridge for breakfast, lo roast pork dinner for lunch and hm pork in hoisin sauce and rice for dinner). My ys pork joint just keeps on giving! There's lo hoisin pork for lunch tomorrow and there is enough for sweet and sour on Thurs. We are having Jambalaya tomorrow with chorizo left over from last week. I've no chicken so I'm going to substitute this with ...pork

    Spin class done

    2.25 litres of water drunk (takes a bow)

    Daily sweep and wipe done

    Kids on great form



    I'm in bed with a hot chocolate with the electric blanket on feeling tired but a good, productive sort of tired. Content as a content thing

    I'm going to read a few pages of Greying Pilgrim's diary which is fab(as are the recipes) followed by a catch up on Silent Witness and lights out by 10.15.

    PP xx
    • pinkypig
    • By pinkypig 9th Jan 18, 8:57 PM
    • 869 Posts
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    pinkypig
    Unless you are an 18months old Pickle, in which case it's the best thing ever!!!!
    Originally posted by wishingthemortgaheaway
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 9th Jan 18, 8:58 PM
    • 811 Posts
    • 3,571 Thanks
    wishingthemortgaheaway
    I'd forgotten about silent witness. Had to suffer the footie last night - Hubby's team playing. Completely forgot about silent witness.
    The 100 payment countdown (each payment = £400) 2018 Starts at 13/100 o/s £34,750.
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2025
    MFW 2018 Challenge Member #162 0/£2,500
    • Betterthanever
    • By Betterthanever 10th Jan 18, 8:59 AM
    • 488 Posts
    • 2,846 Thanks
    Betterthanever
    All in all, you're doing ok and you seem very on top of things! - January is always a tough month, even without unforeseen extras! It seems a very long time since we were last paid, and an even longer time until next payday (although, it is *only* 13 days away!).

    Current balance £113,959.06. Offset £2,390.46. £111,568.60 needed to be mortgage neutral!
    End date - 03/29 but aiming for 10/22 - 2018 O/pay £100
    Make £2018 in £2018 = £62.22/£2018
    Former DFW Nerd 230. Determined to be MF. Bring it on!
    • pinkypig
    • By pinkypig 10th Jan 18, 8:30 PM
    • 869 Posts
    • 7,505 Thanks
    pinkypig
    I'd forgotten about silent witness. Had to suffer the footie last night - Hubby's team playing. Completely forgot about silent witness.
    Originally posted by wishingthemortgaheaway
    Did you get chance to watch it wish? Quite confusing unless I'm just being a bit thick!
    • pinkypig
    • By pinkypig 10th Jan 18, 8:33 PM
    • 869 Posts
    • 7,505 Thanks
    pinkypig
    All in all, you're doing ok and you seem very on top of things! - January is always a tough month, even without unforeseen extras! It seems a very long time since we were last paid, and an even longer time until next payday (although, it is *only* 13 days away!).
    Originally posted by Betterthanever
    Hiya BTE

    You're not wrong. I've got 18 days to go

    Glad to see your hip is holding up to spinning - not one for taking the easy option are you? Hope your return continues to go well xx
    • pinkypig
    • By pinkypig 10th Jan 18, 8:52 PM
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    pinkypig
    Over the hump and heading for Friday!
    Wednesday already - can almost see the weekend

    Work was busy and its felt like a long day but the classroom was left tidy and the marking was done so I'll be glad of that in the morning.

    No money news other than it was a nsd. I've nothing to shuffle to TT which is shame. I hate the mid month lull.

    The first of my bangles arrived from China and its lovely, really intricate fretwork pattern and it feels reassuringly solid and heavy. Not bad for 43p including postage.

    Today's other successes included;

    Power class done - managed to increase my weights a bit for the first time ever. Might regret that tomorrow...

    Cheap, healthy eats (porridge for breakfast, lo hoisin pork and rice for lunch and improvised jambalaya and hm flatbread from the freezer for dinner which was absolutely scrummy and the kids wolfed it down. So cheap to make and took 10 minutes in the pressure so must put it on the MP more often).

    Drank 2 litres of water (2 days running!)

    Went for a 20 minute walk and a natter at lunchtime.

    Daily sweep and wipe done and dd has hoovered.

    One load of laundry done and hung up and a other one in

    Lo boxed up for tomorrow's lunches.

    Was later to bed than I wanted last night so must be more disciplined tonight. Going to bed to read and lights must be out by 10.15

    PP xx
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