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  • FIRST POST
    • pinkypig
    • By pinkypig 22nd Jul 17, 6:12 PM
    • 983Posts
    • 8,426Thanks
    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 28
    • Karmacat
    • By Karmacat 11th Feb 18, 12:56 PM
    • 28,521 Posts
    • 160,711 Thanks
    Karmacat
    That's glorious! That's definitely what a healthy ER looks like except there's no scary stuff to read
    Retired August 2016
    • pinkypig
    • By pinkypig 12th Feb 18, 7:35 AM
    • 983 Posts
    • 8,426 Thanks
    pinkypig
    That's glorious! That's definitely what a healthy ER looks like except there's no scary stuff to read
    Originally posted by Karmacat
    Thank you lovely Karma. Always nice to get some help focussing on the dream from someone whose achieved it.
    How's the writing going? Xx
    • pinkypig
    • By pinkypig 12th Feb 18, 7:46 AM
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    pinkypig
    Popping in for a quick update while the coffee in brewing - loving these no rush mornings

    We've got more snow which looks very pretty but should make this morning's trail run interesting! Plans for the day are fluid, depending on how we feel but reading will definitely feature and probably a walk.
    Yesterday's walk was bitterly cold but we were well wrapped up and took coffee (and cake ) and it was great to get out and about. Not sure how far it was but we were out for about three hours so it was a decent stretch of the legs.

    Lunch was leftovers soup and ys artisan bread and dinner was veggie chilli from the freezer so healthy, thrifty and almost no effort. It was also a nsd so my thrifty holiday is so far so good. No chores done though

    Coffee is done so back to bed to read and look out on the snow before donning my running shoes

    Wishing everyone a good start to the week

    PP xx
    • Karmacat
    • By Karmacat 12th Feb 18, 12:01 PM
    • 28,521 Posts
    • 160,711 Thanks
    Karmacat
    Thank you lovely Karma. Always nice to get some help focussing on the dream from someone whose achieved it.
    Originally posted by pinkypig
    It's the simple things, it really is, along with a few big splashes

    How's the writing going? Xx
    Difficult to get going in the cold part of me wants to hibernate still plus I took the weekend off, but I'll make a decision here and now, instead of faffing with the house or my papers, I'll read through the next 3 chapters - you have to keep going with that once you've started. Thanks!
    Retired August 2016
    • pinkypig
    • By pinkypig 12th Feb 18, 6:58 PM
    • 983 Posts
    • 8,426 Thanks
    pinkypig
    It's the simple things, it really is, along with a few big splashes

    You're right there and no mistake

    Difficult to get going in the cold part of me wants to hibernate still plus I took the weekend off, but I'll make a decision here and now, instead of faffing with the house or my papers, I'll read through the next 3 chapters - you have to keep going with that once you've started. Thanks!
    Originally posted by Karmacat
    Good for you, and good luck with it. I know what you mean about the weather, you just want to hunker down and eat cake (or is that just me?). Xx
    • pinkypig
    • By pinkypig 12th Feb 18, 7:19 PM
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    • 8,426 Thanks
    pinkypig
    Staycations are just fabby, we are having such a lovely time despite the weather!
    This morning's run saw sunshine, sleet, snow, ice and lots and lots of mud it was bitterly cold but quite invigorating once you got going. Thoroughly enjoyed it but it has to be said that a long hot shower and a large coffee have never felt so good

    The rest of the day has gone at a leisurely pace with post run breakfast, a bit of reading, a nice chat, the rest of the leftovers soup and posh ys bread for lunch. All very civilised, I could get used to this!
    After lunch we had a muddy woodland walk with more snow but it was great to get out and blow the cobwebs away. Home to our new (and so lovely) ritual of tea and hm cake. Dinner was ys fish and roasted veggies with lo pesto which was very thrifty and very easy (bake in the bag).
    This evening will be continuing the new boxset, glass of wine and possibly a little snooze given how heavy my eyelids feel

    No chores of any description done except some laundry (muddy running kit, muddy walking kit...). It has, however been utterly perfect day in its own simple way (listen to Karma, she's very wise). It was also a nsd - funny that

    Congrats to those who've successfully battled through a working Monday (unlike this content, lazy piggy!)

    PP xx
    • Karmacat
    • By Karmacat 12th Feb 18, 8:25 PM
    • 28,521 Posts
    • 160,711 Thanks
    Karmacat


    Retired August 2016
    • pinkypig
    • By pinkypig 13th Feb 18, 7:01 PM
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    • 8,426 Thanks
    pinkypig
    Anyone else 'enjoying' a plethora of weather? Today started out cold, windy and wet which turned to snow and this afternoon was cold but glorious sunshine!

    Rather enjoying my running at the moment so I got out between showers and it proved cold but worth it. Felt good for getting out. As the snow then set in for a couple of hours it seemed a good time to read and have a little snooze
    Lunch was soup and ys rolls from the freezer so nice and easy and as the sky was blue and the sun was shining we got out for a walk for a couple of hours. Gorgeous afternoon but the mud! The fields and lanes are at saturation point, its going to take ages to dry out. Was thankful (again) for waterproof boots

    The rest of the afternoon was feet up, tea, hm scones and hm jam. Lovely

    Dinner is pasta with sauce from the freezer, lo roasted pesto veg from yesterday and a few lo olives. Found the last of the blackberries when tidying the freezer so they are in a crumble for tonight's dinner.

    I've no money news except my 5th nsd in a row. Has underlined again the value of experiences over 'stuff'. We had the loveliest week and not a penny spent

    Again, no chores except muddy laundry and a clean out of the fridge. Feeling very chilled, relaxed and well exercised though! Chores can wait

    Happy Tuesday to you

    PP
    • SuperSecretSquirrel
    • By SuperSecretSquirrel 14th Feb 18, 8:23 AM
    • 643 Posts
    • 2,838 Thanks
    SuperSecretSquirrel
    Sounds like you're having a wonderful staycation pinkypig

    I love quiet times like this - but so much more so in the summer! So much fun and enjoyment to be had without spending a penny, or spending very little at worst

    Mtg [2013 £64k|2014 £51k|2015 £38k|2016 £26k|2017 14k] Zero!
    MN [2013-£25k|2014-£2k|2015+£16k|2016+£34k|2017+£52k] +£51,713.71 (MFiT4:+60k)
    NW [2013 £126k|2014 £156k|2015 £190k|2016 £228k|2017 £269k] £270,817.92 (2020:300k)
    FI [2013 -1.2%|2014 2.8%|2015 6.9%|2016 13%|2017 18%] 29.1% (exc SP)
    • Karmacat
    • By Karmacat 14th Feb 18, 1:36 PM
    • 28,521 Posts
    • 160,711 Thanks
    Karmacat
    It really does sound amazing! It's a priceless gift to yourselves.
    Retired August 2016
    • pinkypig
    • By pinkypig 14th Feb 18, 9:44 PM
    • 983 Posts
    • 8,426 Thanks
    pinkypig
    Sounds like you're having a wonderful staycation pinkypig

    I love quiet times like this - but so much more so in the summer! So much fun and enjoyment to be had without spending a penny, or spending very little at worst
    Originally posted by SuperSecretSquirrel
    Thanks SSS and hello . The weather has been a little bracing

    It really does sound amazing! It's a priceless gift to yourselves.
    Originally posted by Karmacat
    It's been great Karma, feel really rested
    • pinkypig
    • By pinkypig 14th Feb 18, 10:11 PM
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    pinkypig
    Jeeeeeeze its cold (and wet and windy). Not even I was daft enough to venture out today!
    As a result of being confined to barracks I have a clean, tidy house, and organised fridge and freezer and a shopping list ready for Friday.

    I've also had a bit of lazy time with the TV and later on a book and have given some thought to money matters. I'm going to have a bit of a gap in rent, have some costly repairs coming up and have had a bill for a service which a change in legislation has dictated which came today and was £100. My salary is fixed so I need to find other ways of generating some funds so I've got together some stuff for Musicmagpie (£38.62) which has also got rid of loads of books I'll never read again. The bookcase is now organised and tidy
    Tomorrow I'm going to stop putting it off and will list things on eBay - promise

    I'm having coffee at a friend's tomorrow so I've dug a cake out of the freezer to take with me, I'll ice it in the morning when it's defrosted. This should mean another nsd which would make it 7 in a row. Friday will be spendy though as I'm out to lunch and I'll need to go food shopping.

    Other successes have included;

    Lo for lunch and dinner

    Wood burner cleaned out and followed on line instructions on how to properly warm the flue so its no longer smoking and the downstairs is lovely and warm.

    Dishwasher emptied and cleaned out and filters cleaned

    Tried to do a weights class but no instructor turned up Not impressed having dragged myself out in that weather!

    Tomorrow's to dos;

    Ice cake and fill with lemon curd
    Photo and list at least 5 items on eBay
    Box up stuff for MM
    Bleach green, slimy patio
    Prune trees
    Clean downstairs windows
    Get some exercise
    Do March's meal plan whilst I'm off work and have some time
    Make marmalade

    Can you tell the holiday part of the holiday is over I will however be having an interlude for coffee and cake with my lovely pal

    Happy hump day to you!

    PP xx
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 14th Feb 18, 10:18 PM
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    wishingthemortgaheaway
    Sounds like you are going to be busy PP, don't wear yourself out though and undo all your hard fought relaxing.

    The weather here has been hoffic too, no way do I want to go out in it.
    The 100 payment countdown (each payment = £400) 2018 Starts at 13/100 o/s £34,750.
    Jan 18 14/100 o/s £34,400
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2025
    MFW 2018 Challenge Member #162 £124.36/£2,500
    • pinkypig
    • By pinkypig 15th Feb 18, 7:35 AM
    • 983 Posts
    • 8,426 Thanks
    pinkypig
    Sounds like you are going to be busy PP, don't wear yourself out though and undo all your hard fought relaxing.

    The weather here has been hoffic too, no way do I want to go out in it.
    Originally posted by wishingthemortgaheaway
    Still in bed drinking coffee Wish so no chance of exhausting myself yet

    Glad your friend is home and that you're feeling brighter. These can feel like miserable months and no mistake. Roll on spring
    • pinkypig
    • By pinkypig 15th Feb 18, 7:41 AM
    • 983 Posts
    • 8,426 Thanks
    pinkypig
    Still enjoying my relaxed, no rush mornings, probably a bit too much really. I will be in the shower by 8.15!

    This morning I would like to;

    Ice a cake
    Clean out stove and re-lay
    Make LF hummus

    I'm out for coffee at 10 and then I think I'll do the food shop then its done. Aldi S6 a bit dull and pricey. Was hoping for good value fruit and root veg
    After that I'll play it by ear depending on the weather.

    Happy Thursday

    PP xx
    • shangaijimmy
    • By shangaijimmy 15th Feb 18, 8:11 AM
    • 2,382 Posts
    • 11,479 Thanks
    shangaijimmy
    That list of outside seems about 10wks too early for our house! We're still in partial hibernation mode!
    MFW: Turning June 2036 into March 2023... 35//120 Payments Challenge, Diary Reduction £37,826.92
    Aug 2009: £163,051 // Current: £98,173.08 // Avg Daily Interest £4.41
    MFiT-T4 #8 - 64.95% of £41,000
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 15th Feb 18, 8:26 AM
    • 927 Posts
    • 4,260 Thanks
    wishingthemortgaheaway
    That list of outside seems about 10wks too early for our house! We're still in partial hibernation mode!
    Originally posted by shangaijimmy
    So we're we until this morning where it's lovely and positively tropical compared to the weather we've had.
    The 100 payment countdown (each payment = £400) 2018 Starts at 13/100 o/s £34,750.
    Jan 18 14/100 o/s £34,400
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2025
    MFW 2018 Challenge Member #162 £124.36/£2,500
    • Karmacat
    • By Karmacat 15th Feb 18, 9:12 AM
    • 28,521 Posts
    • 160,711 Thanks
    Karmacat
    I like the online instructions for flue cleaning, thats showing initiative

    Enjoy the time with your friend - I popped out for similar yesterday, a friend who visits my town for work, it was lovely.
    Retired August 2016
    • pinkypig
    • By pinkypig 15th Feb 18, 8:53 PM
    • 983 Posts
    • 8,426 Thanks
    pinkypig
    That list of outside seems about 10wks too early for our house! We're still in partial hibernation mode!
    Originally posted by shangaijimmy
    Did prove a little chilly for outside tasks Jimmy, I must be getting soft
    So we're we until this morning where it's lovely and positively tropical compared to the weather we've had.
    Originally posted by wishingthemortgaheaway
    Still b****y freezing here Wish

    I like the online instructions for flue cleaning, thats showing initiative

    Enjoy the time with your friend - I popped out for similar yesterday, a friend who visits my town for work, it was lovely.
    Originally posted by Karmacat
    What did we ever do without the tinterweb?
    Coffee and catch up was lovely Karma
    • pinkypig
    • By pinkypig 15th Feb 18, 9:26 PM
    • 983 Posts
    • 8,426 Thanks
    pinkypig
    When's spring coming? Its sooooooo cold Even wrapped up to capacity it was bitter outside today so I had to be content with one bit of pruning and cleaning the doggy slobber off the patio doors

    Other than the temperature its been a good day. Coffee with my friend/colleague this morning was lovely as she's on maternity leave and I haven't half missed her. Her baby is also gorgeous and I got to have a nice, long cuddle

    The rest of the day was just bits and bats of jobs really. The food shopping didn't get done but I did ;

    Ice cake to take to friend's house
    Swept kitchen floor
    Cleaned out stove and re-layed it ready for lighting.
    Made hummus (need to check the recipe, think it might be dessert spoons not table spoons. Its lovely and lemony but a bit runny)
    Packed up stuff for MM
    Listed 11 things on eBay. The first one took blooming ages as I'd forgotten what to do but I did get quicker!
    Read gas and electric meters. Dread to think what my gas bill will be
    Visited mum and dad.
    Went to Asda for milk and hot chocolate and got a great haul of posh bread, posh cookies, pain au chocolat and danish pastries. DS is delighted
    Did spin class
    Paid bills for various things to do with rentals £132
    Laundry done
    Eat lo for lunch and freezer dive for dinner so no cooking and freezer stocks are reducing

    I've still no real money news but in addition to the bills I also had a £3.63 grocery spend and another £3 on a fleece throw that I'm going to use to line a curtain for the front door as the hall is always freezing and I'm sure the half glass door (even though it's double glazed) isn't helping. Lining the curtains over the patio doors made a huge difference so hopefully this will too.

    Tomorrow I have the dentist and lunch with my best mates so it won't be a nsd but I've managed 6 in a row up until today which I'm chuffed with seeing as it's the hols. I also need to;

    Line door curtain and a couple of little sewing jobs
    Make the kids a roast dinner ( I promised)
    Do the food shopping
    Pick up dog food
    Call into HB for cake tin liners and hair colour.
    Make some soup as all freezer soup stocks are gone!
    Make dhal for easy lunches next week
    Meal plan for March. I'm going to dig out some recipe books from my freshly tidied book case as I need inspiration.
    Go for a run.

    I'm off to watch an episode of Silent Witness and then lights out by 10.30

    Friday's in sight folks, onwards and upwards

    PP xx
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