Pay off mortgage and start having fun!

Alchemilla

Ha ha love Adventure Island.

newgirly

Not sure yet cath, maybe be the IMAX if I can get dh to take us for our anniversary


UPDATE TIME !

:D:D:D:D:D:D:D:D:D:D:D:D:D:D:D:D:D:D:D:D:D:D:D:D:D:D:D


Start balance as at 26th July 2014:

£144,198 mortgage
£8,238.67 mbna
£4,562.83 fluid

£156,999.50 total debt


Balance as at today:

£142,796.68 mortgage
£8,141.04 mbna
£4,517.23 fluid

£155,454.95 total debt

A monthly reduction of £1,544.55

Other payments £50 in premium bonds, now up to £500

Plans for September are to try and get a nice lot of xmas shopping done as I have sooo many people to buy for, plus try and keep grocery shopping down as much as possible to allow for the xmas spending.

newgirly

We had a nice anniversary yesterday, lunch out in bluewater, then dh very kindly bought me a new iPad as the old one died again and I couldn't fix it. We did do a bit of research and got one for £299 plus a £20 grift voucher :money: it's a lot of money to spend but me and the kids use it so much.

Dd still at reading and I've had lots of texts and calls, the girl she is sharing a tent with got kicked during a gig and ended up in hospital with a head injury :eek: she is fine now and back and the camp, I don't think I could have restrained myself from going and getting her if that was my dd, however much she said she was fine.

Nothing to report mortgage wise, but this a great feeling to finally be able to start paying more substantial amounts off pm rather than the 10p a day type payments I made last year

CathT

Does feel good to see that mortgage balance coming down doesn't it. Well done Newgirly, think I'd have wanted to go and get my dd too after a head injury as well. Glad she seems to be ok.

greent

Great stuff re OPs And I also agree - I'd've been off to Reading like a shot if that had been my DD!


You sound so positive - it's lovely! xx

newgirly

Thanks greent I am feeling a bit more positive lately, things have been so stressful with dh and his work it's nice to have something else to focus on ,me is like a hobby

I've overspent in the last few weeks and also have not been saving for Xmas / centreparcs next August or our butlins before Xmas. I could cut the ops down a bit , but I thought I'd have a go at putting a bit of effort in to find the difference without that.

So my new slightly scary plan is to live off £1500 from now until next year. :eek:

This means £375 per month for 5 of us, which will include :

Food
Pet stuff
Clothes
Treats
Anything else

It won't include:

Petrol
Xmas presents budgeted for
Birthdays
Pocket money
Bills / mortgage
Our mini cruise (dh paying)
Or butlins break

This is approximately half the usual monthly budget of £750 , although that does include absolutely everything that not bills or mortgage.

There is plenty of store cupboard stuff to get through , so lots of slow cooker meals coming and Lots of home baking, I just need to get my butt in gear and get organised

Goldiegirl

newgirly wrote: »

We had a nice anniversary yesterday, lunch out in bluewater,

that's what we did for our anniversary a couple of weeks ago, glad you had a good time


Good luck with your budgeting plans.

newgirly

newgirly wrote: »

Ok thought it's time to finalise the bucket list!

1).Go on a cruise
2).Holiday with extended family
3).Sew a patchwork blanket
4).Grow runner beans
5).Read 40 books
6).Go to a Xmas carol concert at the Albert hall
7).Eat chips on a pier
8).Go on the dodgems
9).Write a poem
10).Watch a movie outdoors
11).Join twitter.......:D
12).Go on a bike ride
13).Make Xmas tree decorations
14).Build a sandcastle
15). Make bunting
16).Watch 40 of imbd's top 250 films of all time
17).lose 2 Stones
18).Visit a Xmas market
19).Sell something on ebay
20).Have and afternoon tea
21).Host an afternoon tea
22).Make my own wine
23).Do a puzzle
24).Go for a walk in the rain
25).Go to a casino
26).Bake a birthday cake
27).Play an Xbox game
28).Go down a waterslide
29).Go to a prom.......:D
30).See the oxford street Xmas lights
31).Visit the IMAX
32).Visit the national gallery
33).Take dh on a surprise night away
34).Go for a picnic
35).Learn to play chess.......:D
36).See Michael buble
37).Host a Halloween do
38).Rollerskate
39).Cook a Xmas dinner
40).Pay £27,000 off the mortgage

Next item crossed off today , I've just joined twitter

Also had a bit of a cook up to use some of what's In the fridge, 2x big bowls of Thai red chicken curry, 3x veggie balti, 2x chilli tomato sauce for pasta , 1x cheese and onion quiche and 2x berry,cinnamon and apple pasties - which sound a lot better than they tasted!

Mrs_Money_Penny

Well done on the things you made from items in your fridge that's impressive.

lulabelle1

newgirly wrote: »

Thanks greent I am feeling a bit more positive lately, things have been so stressful with dh and his work it's nice to have something else to focus on ,me is like a hobby

I've overspent in the last few weeks and also have not been saving for Xmas / centreparcs next August or our butlins before Xmas. I could cut the ops down a bit , but I thought I'd have a go at putting a bit of effort in to find the difference without that.

So my new slightly scary plan is to live off £1500 from now until next year. :eek:

This means £375 per month for 5 of us, which will include :

Food
Pet stuff
Clothes
Treats
Anything else

It won't include:

Petrol
Xmas presents budgeted for
Birthdays
Pocket money
Bills / mortgage
Our mini cruise (dh paying)
Or butlins break

This is approximately half the usual monthly budget of £750 , although that does include absolutely everything that not bills or mortgage.

There is plenty of store cupboard stuff to get through , so lots of slow cooker meals coming and Lots of home baking, I just need to get my butt in gear and get organised

Best of luck with your target - it scares me to even read it, let alone think about it. I hope it goes well, perhaps you could share all of your tips with us along the way.... i look forward to being inspired :T