Pay off mortgage and start having fun!

KolaKube

Hi newgirly!

How organised are you! Hope the home improvements etc are going well.

I am DYING to get my hands on one of those heated airers (Can't afford it this month unfortunately) - we're planning to use cloth nappies with mini-Kube and apparently they dry way quicker on one of those. (Radiators and tumble drier apparently damage them and sure they're way more expensive to run anyway). I've seen quite a few positive reviews on an online cloth nappy group. They do recommend the sheet cover thing though to speed matters up.

x

newgirly

Hi ajmoney, I never noticed, funny really 2000 replies to my dull ramblings.

Hi kolacube, I used re-usables with my twins (for about a month:o) and dried them on the radiators and they did go a bit crispy! definatly get yourself an airer. they are so cheap to run.

newgirly

newgirly wrote: »

Feeling a bit more postitive today, in the past losing that much money would have tipped us over the edge, always having large debts paying high interest on cc. etc.
We are more in control now though, and thanks to mse I have lots more info on how to make things stretch a lot more.

I think its a good idea to continue paying off the 0% so its cleared in june, instead of reducing the payments to start saving for the loft.

There will be no money this year to op or save, so I can put off the descision to op or save until next year.

I need a new challenge this year money wise, which will have to be a grocery challenge one rather than a saving one. I can't just do nothing for the next 3 months.

This friday there will be 100 days left this year, so, starting then my new challenge will be :

£10 per day, a total of £1000 for the rest of the year to live on, for food, petrol, going out, clothes, birthdays and treats.

The two things not included in this are dd's halloween party £50, plus xmas presents still to buy £250. So an extra £300 set aside for this.

Hopefully this will keep me busy for the rest of the year and I can start afresh in january with a new challenge.

The above quote was from sept last year, I did a £10 a day challenge, I shall have to read further on to see how it ended as I can't remember! But I think it could be a great time for another final mini challenge for nov/dec on the grocery front, £400 for food maybe? Not including if we go out for dinner over xmas That would be a hard one over xmas but would force me to think more and hopefully give us a couple of hundred extra this year to op (or spend on xmas trees )


Just track down when I spent the last of last years challenge money and I did a big shop on 13th dec after that ran out i guess, so only a couple of weeks failure not too bad over 3 months!

Peonie

newgirly wrote: »

Based on that value, to get to a 50% ltv at the next re-mortgage in may 2014 I will have to have a balance of £122,500.

The op calculator I use shows that If I make my £1507 pm payments then by may 2014 the balance will be £124,751 which is not too far off, to hit the desired figure I would have to op an extra £178 pm and then I would be £4 under the 50% ltv:D

So total monthly payments from next month of £1685 :eek: Hmm, I wonder if I can ebay the cats :rotfl:

Are you considering what impact your repayments (if you have a repayment mortgage) will have on the interest accrued over the same period? I would do. Then your extra OP per month might come down a little bit. Then you won't have to sell your cats.

From, your cats (and Peonie).

newgirly

Hi peonie ( and cats), I am still on IO so not sure I can compare that? I don't have any spreadsheets as I am completely useless, so use a great calculator on page 16 of the sticky at the top of our board, I will have a look on it later to see as I tend to look at time shaved off per op rather than interest saved.

Hope you have a good weekend

I am off to comic con at the excel soon with no packed lunch :eek: no idea what its like or what food there, but dh has refused lunches and said he will pay , he may come to regret that but its his look out :rotfl:

newgirly

What an exhausting day, I have not been anywhere so packed out for years! It took 1 and a half hours to queue for tickets in the most friendly queue i have ever been in (although me and dh were the olderst there by about 20 years!) with some very strangely dressed teenagers wearing " free hug here" signs, all a bit over my head but the kids enjoyed it.:D
I had a sandwich and everyone else had a bag of chips on the way home. My Dad dropped us at the station in our car and when he picked us up we had a full petrol tank, which was very sweet of him and he would not take the money for it, so I have a bit extra for alton towers tomorrow so will get a photo there on the rides.

Off to organise stuff, back later.

never_too_old

Have a fantastic time:D:D:D

pink_poppy

Aww what a lovely Dad Have a good time at Alton Towers tomorrow.

newgirly

I'm still not quite finished sorting stuff out for tomorrow but am quitting now with a glass of wine and tv, we are leaving at 5.15am (well 6.15 in real time) and I have to say I'm not that excited as it wil be bitterly cold and we will be outside form 10am until 10pm ish probably. :snow_laug

greent

Hope you had fun!