Bumbling along to be Mortgage Free

evab_2

Doubly good work! Have a lovely weekend x

Kittikins

Cooo, am intrigued about grand plans.

There are some very easy tortilla wrap recipes on the OS board, I never buy wraps any more, from memory, it's just flour, water and olive oil, easy peasy

DD went out to a pizza party yesterday and then came home and ate like a horse, I was imagining that I would get out of chef duty, but no, lol.

TheBees

Hi Michelle

I'm a Michelle too and like you, I tend to be in charge of the finances in our house also. DH works full time and I work part time. I've also just got a 3 month contract in a supermarket over Xmas working a couple evenings and have decided to throw anything I earn from that extra job into our mortgage account. I might get kept on after the 3 months but there's no guarantee so I don't want to waste the opportunity to possibly save an extra £1000 we wouldn't have otherwise.

Have you joined the grocery challenge each month? Like you I try to stretch meals and cook up batches. We hardly ever have takeaways as with two children aged 15 and 12 it's really expensive!

Another thing we do to save money is saving £2 coins. Every 3 months we normally have about £100 of them which goes towards the mortgage too. We also save loose change in a large glass jar but we don't empty that until the end of the year.

Anyway I'll be following your blog with interest.

Michelle

Kittikins

Oooh, DD and I made salt dough christmas decorations last year as well, we took some up to my parents for their tree as we were there for the day and they took pride of place We had great fun making and painting them, as we made them together one day (LOADS of them!) and then the next weekend we had a little party with a couple of her friends round to paint and glitter them. The kitchen was a glittery battle zone by the end of it I'm wondering what to do this year now...how could I top that?!?

evab_2

Great work, I'm excited about Christmas as it will be the first time we have had Christmas Day at home as we usually go to either my parents or my dh parents in South Wales. We're having one of my brothers and my parents coming over, not sure if other brother is coming too, looking forward to making decorations with dd but now ds is starting to walk I think they'll have to be put up high and the tree suspended from the ceiling!

Have a good day, great news that £35k barrier will be broken soon x

pammyj74

Like the idea of paying the interest off daily, wondering whether its better to pay off an extra you have when you can to save the daily interest or pay it monthly? Someone on here said its best to pay one offs but not sure? Surely if you pay as soon as the daily interest will go down. My daily interest is £13.5x a day at the moment but in feb it will go down to about £7.xx which I could afford to do but not sure could overpay as well

evab_2

Hope the kids are better, phew your list makes me want to go for a lie down!

bryanbukowski

Well done on your Xmas shopping!
That's a brilliant result!
B

weezl74

cha97michelle wrote: »

2009 overpayment Summary
December overpayment = 141.44
Total overpayments for 2009 = 19,091.71
.

wow!:T:T:T:T:T:T:T:T:T well done

Mortgage_Reduction_Novice

Crikey, you've a fair amount on that list... best of luck with it! Then put your feet up and enjoy Christmas!