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  • FIRST POST
    • pinkypig
    • By pinkypig 22nd Jul 17, 6:12 PM
    • 582Posts
    • 5,806Thanks
    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 9
    • pinkypig
    • By pinkypig 16th Sep 17, 7:17 AM
    • 582 Posts
    • 5,806 Thanks
    pinkypig
    Well done on the marking/planning achievement.
    Have a fabulous weekend.
    Originally posted by wishingthemortgaheaway
    Thanks Wish, you too

    That planning and marking is a labour of love isn't it? That or a pain in the a**e depending in your disposition
    Last edited by pinkypig; 16-09-2017 at 7:25 AM.
    • pinkypig
    • By pinkypig 16th Sep 17, 7:24 AM
    • 582 Posts
    • 5,806 Thanks
    pinkypig
    And relax...
    I slept through until 7 am without waking at all which is practically unheard of for me
    I'm continuing the theme with my favourite weekend luxury which is coming back to bed with a coffee and my book, a,welcome contrast to the working week where I'm generally in danger of disappearing up my own backside by this time in the morning!
    I've quite a busy day planned but it ain't starting just yet

    PP x
    • michelle09
    • By michelle09 16th Sep 17, 7:49 AM
    • 257 Posts
    • 734 Thanks
    michelle09
    Sounds lovely! Am doing the same thing as the OH is at work.
    • pinkypig
    • By pinkypig 16th Sep 17, 8:45 PM
    • 582 Posts
    • 5,806 Thanks
    pinkypig
    Sounds lovely! Am doing the same thing as the OH is at work.
    Originally posted by michelle09
    Its the loveliest start to the day isn't it?
    • pinkypig
    • By pinkypig 16th Sep 17, 9:30 PM
    • 582 Posts
    • 5,806 Thanks
    pinkypig
    Mixed success
    Its been a lovely sunny day here which was very welcome after the squally weather we've had this week.
    I've had a day of visitors which was really nice but resulted in me doing b****r all until mid afternoon
    The good news is I had a great catch up with two of my sisters and my mum (separate visits) but I didn't get out for a run and didn't get any batch cooking done. Regarding the latter, I don't think its a bad think its a bad thing really as I've only cooked once in the last two weeks and the freezer still looks full! Need to keep running it down
    I've had a spendy but economical day if that makes sense. I went to bank a cheque for dd and went into Savers in town and got two bottles of there £1 laundry liquid which lasts ages and is really good. I also got a lovely print in a local art shop for a birthday present which was £13.50 but was exactly what I was looking for.
    I called at my local charity warehouse on the way home to look for a frame and whilst rifling a large box of pictures I found a perfect frame for my print (a picture still in cellophane which has been dismantled and now holds my print), gorgeous print which looked a bit grotty but all the marks were on the cellophane, it was perfect once unwrapped, a picture the same size which I've dismantled and painted with chalk paint ready to frame the print, a load of good quality silicon kitchen utensils, three sets of kitchen tongs, a
    potato peeler that looks like a potato, 5 amethyst coloured wine glasses (which look great on my dresser) and a pair of Ravel work shoes all for £15
    The shoes were my best buy. I nearly left them as they looked a bit grubby but on closer inspection the heels and soles looked nearly new, they were just dusty and a bit squashed. Cleaned inside with antibac, polished and the strap loop that was a bit loose stitched and finished with a dab of super glue and they look brand new. They are very good quality leather with leather covered heels that can be polished so heeled and soled now and then they should last me years. Best £2 I've ever spent, glad I didn't order those crappy plastic ones I was looking at early in the week. My manky old work shoes are now in the bin.
    The other framed print is earmarked as a Christmas gift and the kitchen stuff is for me. All in all a good MSE day with a few other successes;

    Cleared out my clothes, a bag for the charity shop, a bag for eBay, all summer stuff packed away in the attic and winter stuff in wardrobes and drawers. I've been so cold at work this week but they'll probably be a heat wave now

    Made dd's birthday cake and a lemon drizzle cake filled with lo lemon curd from the freezer for me to take to work on Monday.

    Cheap healthy food (overnight oats for breakfast (kids had fakeaway egg mcmuffins ), hm tom and Basil soup and ys rolls for lunch and batch cooked curry from the freezer for dinner).

    Ds's bed changed and line dried along with a load of laundry.

    There was however no run and no gardening so I must do that tomorrow.
    Ds is at the cinema and dd is at a party so its a quiet night for me until mummy's taxi service is needed later

    Think I'll start my new book

    PP x
    • pinkypig
    • By pinkypig 17th Sep 17, 8:54 PM
    • 582 Posts
    • 5,806 Thanks
    pinkypig
    Nooooooo
    Can't believe the weekend is nearly over
    Looking on the bright side its a sign that its been a good one when if feels like its over so quickly.

    Another sunny day here. I went for a run and typically I didn't feel like going and procrastinated endlessly and then thoroughly enjoyed it once I was out and felt the benefits all day long.
    I managed to cut back and dig over one area of the back garden which looks nice and tidy. Wish it all looked like that!
    As it was a sunny day I walked to Asda and dropped my bag of charity shop clothes into the co!lection bin there - it felt like it weighed a ton I then picked up three cartons of posh Shopium juice (thanks Wish) and four pints of milk (which also weighed a ton). By the time I got home I felt like I'd done an upper body work out.

    This is a prime example of what a good influence MFW ers have on me. Normally that stuff would have sat in the hall for weeks. Its amazing how taking control of your money increases your efficiency in other areas of your life

    Other things that got done included;

    Icing dd's birthday cake (which we had for tea)
    Uniform and pe kit ready for tomorrow
    Lunches ready and in the fridge
    Bargain print in bargain up cycled frame - looks great. I'm so pleased with it
    Freezer run down successes (roast duck soup and ys rolls used up for lunch and lo ready meals defrosted for lunch tomorrow)
    Three cartons of posh juice in my newly created and well hidden 'treats for Christmas cupboard '( thank you for showing me the delights of Shopium Museum Worker)

    I'm off to bed to try and get the working week off to a good start.

    PP x
    • Betterthanever
    • By Betterthanever 17th Sep 17, 9:03 PM
    • 169 Posts
    • 597 Thanks
    Betterthanever
    Sounds like a pretty decent weekend to me! Lots of good buys in those posts! Have a good week!
    Former DFW Need 230. Determined to be MF.
    Current balance £116,878.11. Offset £1034.
    end date - 03/29 aiming for 10/22

    Bring it on!
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 17th Sep 17, 10:15 PM
    • 295 Posts
    • 1,211 Thanks
    wishingthemortgaheaway
    Don't get the nutri quark think that's on Shopmium at the moment. It is disgusting!!! So pleased I'm getting all of my £1.25 back for that!! £1.25 for a yoghurt and a disgusting one at that yuck yuck yuckity yuck.
    The 100 payment countdown (each payment = £400)
    2017
    July : £36,800 8/100
    August: £36,411.85 8/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • pinkypig
    • By pinkypig 18th Sep 17, 8:44 PM
    • 582 Posts
    • 5,806 Thanks
    pinkypig
    Sounds like a pretty decent weekend to me! Lots of good buys in those posts! Have a good week!
    Originally posted by Betterthanever
    It was lovely but feels like a distant memory after a day at work

    Hope you have a good week too and that your hip is improving. Its so frustrating when you're used to being active
    • pinkypig
    • By pinkypig 18th Sep 17, 8:49 PM
    • 582 Posts
    • 5,806 Thanks
    pinkypig
    Don't get the nutri quark think that's on Shopmium at the moment. It is disgusting!!! So pleased I'm getting all of my £1.25 back for that!! £1.25 for a yoghurt and a disgusting one at that yuck yuck yuckity yuck.
    Originally posted by wishingthemortgaheaway
    Sounds like one to avoid -thank

    Do people really pay £1.25 for a yogurt? I'd want a family pack for that

    Hope your little one slept OK. Those nights of broken sleep are really tough xx
    • pinkypig
    • By pinkypig 18th Sep 17, 9:32 PM
    • 582 Posts
    • 5,806 Thanks
    pinkypig
    Monday - done!
    Its been a cold, wet autumnal day here so I was mighty glad of my warmer clothes
    I've had a long day today with lots of extras cropping up which couldn't wait. They're all done now though so tomorrow should be easier.
    Ds is finishing homework and DD is out for dinner so its been a fairly calm and uneventful night.

    Today I've managed;

    A nsd day
    Done basic daily cleaning routine
    A kettle bells class
    To keep my marking up to date
    To complete a To Do list for this week
    To do a load of laundry ready to hang out tomorrow (forecast is sun and no rain )
    To drink 2 litres of water
    To eat cheaply and healthily (porridge for breakfast , hm soup and salad for lunch and risotto from the freezer and salad for dinner). This also meant no cooking - again
    Get lo ready meals out of the freezer for tomorrow's lunches

    My 'new' shoes were really comfortable (which is the real test as I'm on my feet all day) so they are now officially a great buy
    When I think of the money I've wasted on stuff in general and clothes and shoes in particular I feel embarrassed and frustrated in equal measures. Oh well, no point dwelling on the past, must focus on the future
    Off to read for half an hour before bed - must try and get my 8 hours or I'll be a right grumpy piggy

    PP x
    • Downshifterella
    • By Downshifterella 18th Sep 17, 9:41 PM
    • 51 Posts
    • 257 Thanks
    Downshifterella
    Well done on surviving Monday and what sounds like a barginous weekend! As well as productive in the MSE front!

    Freezer challenge is my next task...as well as the daily clean which I'm getting there with, house looking less like a tip ...gradually!

    Love weekend mornings taking coffee back to bed! .shame it's only Tuesday tomorrow!!
    MF planning for the simple life
    • indianabones
    • By indianabones 18th Sep 17, 10:46 PM
    • 145 Posts
    • 171 Thanks
    indianabones
    Last week, almost a full 9 months after completing the purchased. It finally registered with the Land Registry and now our house and the official sold price is on right move.
    • indianabones
    • By indianabones 18th Sep 17, 10:47 PM
    • 145 Posts
    • 171 Thanks
    indianabones
    The problem with us as a society is we have come to learn and accept usury. If inflation didn't exist and this complete evil of usury, the world would be a much better place. Instead everyone is at it. Kids come out of Uni 40-50k in debt and then they have to pay even higher interest on their loans than we do on our mortgages. It's absurd.
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 18th Sep 17, 11:17 PM
    • 295 Posts
    • 1,211 Thanks
    wishingthemortgaheaway
    Sounds like one to avoid -thank

    Do people really pay £1.25 for a yogurt? I'd want a family pack for that

    Hope your little one slept OK. Those nights of broken sleep are really tough xx
    Originally posted by pinkypig

    He had a long period sleeping in my arms and wouldn't be put down. Then he started his day at 5:30. I lifted him out of his cot and climbed back into bed while he played in his room and kept bringing me books to 'read'

    As for the cost of premium yoghurts. Some people have more money than sense!
    The 100 payment countdown (each payment = £400)
    2017
    July : £36,800 8/100
    August: £36,411.85 8/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • pinkypig
    • By pinkypig 19th Sep 17, 8:42 PM
    • 582 Posts
    • 5,806 Thanks
    pinkypig
    Well done on surviving Monday and what sounds like a barginous weekend! As well as productive in the MSE front!

    Freezer challenge is my next task...as well as the daily clean which I'm getting there with, house looking less like a tip ...gradually!

    Love weekend mornings taking coffee back to bed! .shame it's only Tuesday tomorrow!!
    Originally posted by Downshifterella
    Nearly Wednesday now Ella
    • pinkypig
    • By pinkypig 19th Sep 17, 8:43 PM
    • 582 Posts
    • 5,806 Thanks
    pinkypig
    Last week, almost a full 9 months after completing the purchased. It finally registered with the Land Registry and now our house and the official sold price is on right move.
    Originally posted by indianabones
    Congratulations on your purchase, hope you're settling in
    • pinkypig
    • By pinkypig 19th Sep 17, 8:45 PM
    • 582 Posts
    • 5,806 Thanks
    pinkypig
    He had a long period sleeping in my arms and wouldn't be put down. Then he started his day at 5:30. I lifted him out of his cot and climbed back into bed while he played in his room and kept bringing me books to 'read'

    As for the cost of premium yoghurts. Some people have more money than sense!
    Originally posted by wishingthemortgaheaway
    Def more money than sense, especially if they're vile

    Those early mornings are a killer, poor you xx
    • pinkypig
    • By pinkypig 19th Sep 17, 9:11 PM
    • 582 Posts
    • 5,806 Thanks
    pinkypig
    Makes you think...
    I've just watched a documentary on children living in poverty
    What a luxury to have the choice to spend or not to spend - when I start to feel sorry for myself I'm going to try and think back to this. Feeling grateful for my happy, healthy kids and our lovely home

    Sunny but very cold start here. I hung the washing out before I went to work and my hands were frozen by the time I'd done it. It made a lovely, sunny day though so my washing was all dry by the time I got home. I folded it and put it away as this is a good habit I'm trying to get into as part of my clean and organise my house routine. Given half the chance its sits in a bag for ages
    Work was good, the odd drama but that's teaching. Everybody was happy by the end of the day which is always good.
    In money news Shopium paid £1.60 for my cider into my account so that was paid to the os account. My NatWest rewards have also gone above £5 so I can exchange them. £5.80 cash requested and will be os once it is paid into my account.

    Other MFW/life successes included;

    A nsd

    Cheap, healthy eats (porridge for breakfast, kids had ys pancakes and bananas, lo spaghetti with hm tomato and basil sauce from the freezer with salad for lunch, char sui pork and vegetable rice from the freezer for dinner). No cooking again and have actual pockets of space in the freezer

    A spin class. My monthly membership is working out at around £1.45 a class I also feel so much better for getting myself into an active routine.

    Managed to help (rather than look bewildered) with ds's maths homework.

    Marking up to date

    Worked out how to get meter readings off my smartmeter and sent them to my new supplier

    Activated ds's new sim card and transferred his old number (hopefully - we'll see tomorrow)

    In bed nice and early with a cup of tea and the electric blanket on - bliss

    Happy Tuesday night to you all

    PP xx
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 19th Sep 17, 11:11 PM
    • 295 Posts
    • 1,211 Thanks
    wishingthemortgaheaway
    Def more money than sense, especially if they're vile

    Those early mornings are a killer, poor you xx
    Originally posted by pinkypig

    I've loaded up the white noise app for tonight. I need sleep!
    The 100 payment countdown (each payment = £400)
    2017
    July : £36,800 8/100
    August: £36,411.85 8/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
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