Macgirl's "Stop Procrastinating and Get on with it" Diary

sashybo

Hi mac, just popping in to let you know I'm still lurking, missing you on the pad thread.

You've been busy - well done. :j And car tax - yuck, mine is due end of May, as well as MOT. :eek:

macgirl

Hi Sashy :hello: I might be able to make a big PAD soon, so I'll be back. Thanks for your kind words

Woke at 5am to the sounds of next door's baby bawling - which has just stopped - now I'm awake :cool: Last night I discovered a house I've had my eye on for over a year has finally sold - only about 6 months before we were in a position to buy it
It was on a large plot, ripe for renovation/extention and crucially within the school catchment. There are many of these types of house, but rarely with such potential - so I was dreaming about it all night, then woke to a crying baby.....bliss.

Anyhow "it wasn't meant to be" blah blah, but it has reminded me to get a mortgage balance today as part of the MFiT challenge. I will be in the red zone for sure, but that will change by year 2.

Updated my sig last night, so nice to see it moving in the right direction!

Hope you have a good day if you're reading

BEAT_THE_DEBT

Hi Mac it makes such a difference driving home in the light i agree!!!xx

hypno06

I know how you feel about the house.....I've got several that I know if they come up for sale in the next 12 months, I would have to give serious thought to whether I could possibly sell this and get the finances to move. Most houses are "nice but not dream house" but there are a few that I walk past and imagine my sofa in their lounge

And don't worry about being in the red zone - it is a three year challenge, not a three month one.....and you will see a huge improvement over the next couple of years, I am sure!

macgirl

I've just updated! Whoopeee!! :j:j:j

I have to say I'm happy with my progress. I certainly wouldn't have even considered trying to overpay the mortgage until my debts were paid, but as all the interest rates are about the same - it seems silly not to.....thanks to Hypno and DT in particular for inspiring me :A

Once little DD starts school in September, there will be an extra £500 left over after paying Out of School fees, so that will go towards the mortgage (or new mortgage if I have my way :cool:)

gilligansyle

Hi

just popping in to say hello

That £500 will make such a difference. I wish I had done something with the nursery fees when my DS started school.

Double_Trouble

macgirl wrote: »

I've just updated! Whoopeee!! :j:j:j

I have to say I'm happy with my progress. I certainly wouldn't have even considered trying to overpay the mortgage until my debts were paid, but as all the interest rates are about the same - it seems silly not to.....thanks to Hypno and DT in particular for inspiring me :A

Once little DD starts school in September, there will be an extra £500 left over after paying Out of School fees, so that will go towards the mortgage (or new mortgage if I have my way :cool:)

Ah thanks for that its nice to know someone is inspired by me :rotfl:

Sorry to hear about your payrise and your daughters coat I just dont know how people could be so mean I wouldn't think twice about handing it in - what a mean world it is sometimes:(

DTxx

In_my_dreams

Brilliant news on the signature! I wish I could overpay the mortgage but we're putting that on hold until we have repaid the CC's as OH fears the CC interest rate will go through the roof!

It's good to plan now what you'll do with the childcare money, such a lot to pay out isn't it!

macgirl

Well all my good intentions of budgeting and Flyladying have gone to pot tonight. I was on the phone to my sister in America and we have laughed for an hour instead. It was just what I needed

I really wish she lived closer and it's not like we can afford to visit her anytime soon

Right, off to try and make amends, then bed - night all x

Nelmer

Hey macgirl...don't torture yourself about having a night of laughter talking to your sister.

My brother lives 9 miles from me and I probably speak to him less than you do your sister, I'd give anything for a good evening of laughter with him but he's too busy most of the time

Enjoy it and give yourself a break every now and again