We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Pay off mortgage and start having fun!

Options
1145146148150151949

Comments

  • newgirly wrote: »
    Had lots of teenagers for tea as well so made some nice lemon and choc muffins and managed to resist until 5 mins ago and ate a huge lemon one covered with butter icing, all that jogging for nothing!

    Well, it's not for nothing coz now your result is neutral instead of gain:beer:

    I'm eating ice creams;) Loads of it. But I'm excused as I had false contractions all day AGAIN! 25 days to big day:D
    Debt: [STRIKE]-£77.299 74,209[/STRIKE]-£72,860 Projected MF date(age):[STRIKE]2044(63)[/STRIKE] 2029(48)
    Credit Card 0%: -£1,800 Reg Saver: £4000/£6000 ISA: £0/£2500

    From March 2012: Mortgage OP: £160 pcm
    (saving 29k):D
    Apr 2013 Goal: reduce balance to £72,000 to get 60%LTV & better deal
  • When I saw your grocery budget at £250 I just wanted to blush - I spent that much since 13 feb (That's when I started recording groceries on spreadsheet) so your budget lasted me 10 days:eek:

    My original budget assumption was £100 pw but now I start to think I was in denial at how much I spend! Or maybe it will even out by the end of the 30 days ... hopefully:p

    The fact that most of the shopping is now done by my OH doesn't help at all as his idea of saving is buying 2 boxes of velvet tissues saving 0.40p (but comparing to own brand overpaying £1:rotfl:)
    Debt: [STRIKE]-£77.299 74,209[/STRIKE]-£72,860 Projected MF date(age):[STRIKE]2044(63)[/STRIKE] 2029(48)
    Credit Card 0%: -£1,800 Reg Saver: £4000/£6000 ISA: £0/£2500

    From March 2012: Mortgage OP: £160 pcm
    (saving 29k):D
    Apr 2013 Goal: reduce balance to £72,000 to get 60%LTV & better deal
  • Sepa74
    Sepa74 Posts: 962 Forumite
    he he... maybe he's like me and has a delicate ahem?!
    Borrowed £150,000 in an offset tracker mortgage in May 2007 - MFD May 2041 (67)

    Jan 2012 - £125,620.02 / 2,913.87 / Nov 2032 (58) :beer:
    Apr 2012 - £122,901.88 / 3,170.91 / Jul 2032 (58)
    Jul 2012 - £122, 589.02 / 3,507.99 / Sept 2032 (58)
    Oct 2012 - £120,476.31 / 3,889.42 / July 2032 (58)
  • pink_poppy
    pink_poppy Posts: 2,123 Forumite
    Part of the Furniture 1,000 Posts Photogenic Homepage Hero
    Sepa74 wrote: »
    he he... maybe he's like me and has a delicate ahem?!

    TMI, Sepa!! :rotfl:
    'A watched potato will never chit'...
  • newgirly
    newgirly Posts: 9,331 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Wow not long to go weronika! best of luck :D

    My dh also has no concept of money saving when food shopping, its always unhealthy and expensive, although he is not so fussed tissue wise :rotfl:

    I am half way through the finances as they are all out of the house , one ds at football and all the rest at the shops looking for something for my birthday, although I have said I don't really want anything so am driving dh mad as he needs clear instructions present wise!
    My family are giving me money for my birthday , so I have spent ages looking for a cheap weekend away or day out to use it on to take the kids out, perhaps over easter, dh is also putting a bit towards it.

    I have op'd £200 off the mortgage today from extra money earned and there is still £139 left from jan/febs money which I could also spend towards a treat out.

    Its a good job I am earning extra as all other money has gone towards paying the extra for the car in january, so will have a little to op in march and then start properly in april.
    MFW 67 - Finally mortgage free! 💙😁
  • Weronika
    Weronika Posts: 260 Forumite
    newgirly wrote: »
    Wow not long to go weronika! best of luck :D

    ...and all the rest at the shops looking for something for my birthday, although I have said I don't really want anything so am driving dh mad as he needs clear instructions present wise!

    Ever since I burst in tears on the sight of my Christmas present
    (our first Christmas together as well) I'm getting buy-all-you-want shopping spree on Boxing Day:rotfl:This way we are both happy as I love sales and he doesn't have to pick anything, just pay and carry stuff around.Usually after few minutes we decide to split so he goes for the coffee and I get his credit card and drop bags off at his chosen cafe
    :j

    You are still doing great with OP considering the extras spent on the car!
    Debt: [STRIKE]-£77.299 74,209[/STRIKE]-£72,860 Projected MF date(age):[STRIKE]2044(63)[/STRIKE] 2029(48)
    Credit Card 0%: -£1,800 Reg Saver: £4000/£6000 ISA: £0/£2500

    From March 2012: Mortgage OP: £160 pcm
    (saving 29k):D
    Apr 2013 Goal: reduce balance to £72,000 to get 60%LTV & better deal
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    Hi NG and all your readers!

    Just dropping by. best of luck with everything. I appreciate the business side could be scary but it seems the best way forward from the bits you say. You have to be bold where there is an opportunity. Certainly I have moved around a bit recently workwise, never run my own business though...but have certainly grabbed new things when they were offered!

    Have a great weekend
    MFiT-T4 Member No. 96 - 2022 is my MF goal :D
    Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
    Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T
  • newgirly
    newgirly Posts: 9,331 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    :j Just managed to op an extra £200, not sure how but have squeezed it from whats in the account this month, probably due to starting to use the cc for shopping so am 1 month behind with the grocery budget thus spare money, i've also resisted booking a weekend at easter for us all to go to the isle of wight and instead booked a pr8mier inn near alton towers for 1 night , so we will do one day at the park and 1 day at the water park, which hopefully i can get vouchers for. Hotel £58 for 2 x rooms on good friday, and possibly room for a friend for dd to go as well. Much cheaper than AT hotel which was nearly £600 for one night b&b with NO park tickets :eek:

    I have a mega busy week hopefully earning a bit of money to save for dh's birthday. Due to the fact I am not really losing weight whilst having a personal trainer (just getting steadily more kn*ckered) I am trying the milkshake diet as of today, so am already pretty hungry.:rotfl:

    Hope everyone has had a good weekend :D
    MFW 67 - Finally mortgage free! 💙😁
  • blacksta
    blacksta Posts: 919 Forumite
    Yes we can - lool
    I owe £3233 @ 0%
  • Alton towers is so expensive to stay at.lovely though.

    but thats properly just answered why we are in the situation we are in now,:rotfl:
    Glad you had a good weekend and well done with the OP ing
    nto
    x:D
    MAKE £2022 in 2022 no 29 £2022/£434.10
    Mortgage@ 1/1/2022 £17540 / £1601.39
    pay all your debts by xmas 2022 £15000/ £1865.29

    https://www.facebook.com/groups/680889456637403
    you tube channel never too old
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 350.9K Banking & Borrowing
  • 253.1K Reduce Debt & Boost Income
  • 453.5K Spending & Discounts
  • 243.9K Work, Benefits & Business
  • 598.8K Mortgages, Homes & Bills
  • 176.9K Life & Family
  • 257.2K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.