mse - mfw addicts thread

chirpchirp

Well you asked for one Needhelpsaving, so here it is. This is a place to talk about your addiction to being a MFW:rotfl:

cha97michelle

I was just thinking today there used to be a 'what have you done to pay off your mortgage today?' thread. I used to read it all the time. Maybe that is the sort of thing an addict needs to keep themselves going. :rotfl:

mummyofonechild

cha97michelle wrote: »

I was just thinking today there used to be a 'what have you done to pay off your mortgage today?' thread. I used to read it all the time. Maybe that is the sort of thing an addict needs to keep themselves going. :rotfl:

I went to work, what did you do?

cha97michelle

• I watched the kids while DH worked.
• I made the 6th rubber chicken meal of the week.
• I sent all my shopping data to shop and scan and earned £1.10.
• I found some coats the kids no longer wear to ebay. Will load over the weekend.
• Rounded the bank account down to the nearest tenner (so paid £3.36 off)
• I made the kids not watch as much telly as normal and have a run round for free outside.
• I went to the freebie part of the site and registered for a free sample of kids clothes and joined the asda consumer panel.
• I read some threads here and the frugal living thread.
• I've been playing round with my budget spreadsheet yet again to try and workout what i could overpay each month. Really sad as it is a bit theoretical as you can't always plan for every month.
• Only put the immersion heater on for 10 minutes rather than 20 before i washed my hair. About right as the water ran out as i was using it.
• Been investigating an energy use monitor and a solar charger on ebay. I think i can get both for free if i can cash in my vouchers.

My name is cha97michelle, and i can't go more than 1 hour without thinking about the mortgage. Anyone else care to confess? :rotfl:

chirpchirp

My name is chirpchirp and my life is dictated by thoughts about the mortgage, especially when I'm not working.

hillcats

Yep, I think about being MF most days, so in the mean time I just push on with my over payments in the knowledge that the light at the end of the tunnel is actually getting closer...

littlemissbossy

I was a MFW addict, I constantly checked where I was up to with my overpayments, how much interest I was paying everyday and how much could I overpay this month.

Now I'm a wannabe no more, and I'm now addicted to checking how much is in my holiday/new car pot.

I can't tell you how much this was my best ever light bulb moment and keep up the good work to everyone on this thread.

gallygirl

My name's GG and I too am an addict .

Today I have:
- set up all my 2010/11 spreadsheets
- taken out new house insurance on BTL & holiday home. Both cheaper than last year
- went back to Co-op to reclaim £1.52 as they had overcharged on tea bags
- went to local Morrisons to buy Ariel tablets on less than 1/2 price offer, also had 4 x £1 vouchers. Bought the last remaining 2. Drove to next town (had to go there anyway) and bought another 2 :T
- bought some stuff for new kitchen but all budgeted for
- spent too long on here

Glamazon

I spend all day every day thinking about it but as you can see from my sig I've not even started

Cos I'm still on mat leave I'm worried that if I overpay then I'll need the money for something!

I promise that when I go back to work at the end of May I WILL start overpaying. I spend my days planning what money can go where when I get it.

Today I have

• done a Mystery Shop at the supermarket I was going to anyway
• Cleaned the car so saved £4 on getting it done at the car wash
• Cleaned the outside of the conservatory - was debating getting someone in to do it
• Been given the rent money off BIL who lodges with us (til next weekend0 £40
• Looked at booking a hotel in Chester for a night but decided to drive home after the races and save £120 :money:

I have made £120 Mystery Shopping since Wednesday which is earmarked for the mortgage once I recieve it.

I have a spreadsheet which shows what money I have coming in and where it is going

cha97michelle

Brilliant. Glad to see that others find it useful to share what they have done.

Today i have:

• baked snacks for DH and kids from storecupboard supplies
• used the oven to cook a quiche, jam tarts, twinks and cake all at the same time so it was on for about 45 mins but full
• used my slow cooker to make a casserole using all the leftover tubs in the fridge so no waste
• listed 19 pieces of the finest junk from my house on ebay
• spent ages looking at gas and electric costs after the weekly meter reading
• switched gas and electric suppliers to save about £20 per month, after going via quidco and uswitch naturally
• Got DH to tart up the garden through hard graft and using supplies we already own
• checked all my internet banking accounts as usual

Also over the past few days i have altered the kids routine slightly so they no longer have a milk drink at bedtime. This reduces milk consumption from the 2 of them to 1 pint a day rather than 2, and also takes us a step closer to DS1 not wearing a nappy for bed. He says he wants to try tomorrow night so i am hoping for a dry nappy in the morning before we attempt it. :eek:

365 pints of milk a year - i normally get 6 pints for £1.45 from c.co. so i reckon a saving of about £88.10 a year. Wow. I'm sure they will only eat more of something else though so it won't save me that much. :rotfl:

pencekeeper

I am very mortgage free obsessed.

I live by myself and in the last few years have developed problems with my eyes which makes it very uncomfortable to drive, work in an office, use computers. Not ideal as I work 25 miles away in IT! When my current job goes I'm really going to struggle for income - and definitely won't be on the salary I'm on now.

So a few years ago I started seriously paying off the mortgage as aggressively as I sensibly could. And my £127K mortgage at the end of 2006 is now £17K

But now I'm getting near the end I'm becoming more impatient - I'm very aware of what the balance is, what interest per day I'm paying, how quickly I can theoretically pay it off.