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Pay off mortgage and start having fun!

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  • katep23
    katep23 Posts: 1,406 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Hi NG, don't know if it helps but it's free to list cars on Gumtree - we sold a 1980s moped and 1960s motorbike on there recently and had quite a lot of interest in both.
  • newgirly
    newgirly Posts: 9,359 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Thanks kate, I will do that!
    MFW 67 - Finally mortgage free! 💙😁
  • newgirly
    newgirly Posts: 9,359 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Time for an end of year challenge :D

    I've done it many times before, nothing too exciting but a grocery challenge for the last three months of the year.

    My aim is to stick to a budget af £1000 until new years eve. Thats £10.87 a day for the five of us, the cat and dog and also covers alcohol, toiletries, and cleaning. I've deducted the £66 thats already been spent since the 1st in lidl (wish I'd bought less now!)

    Ideas to achieve this are:

    Homecooking combined with frozen meat /fish
    Use more frozen veg- less waste
    Baking bread
    Bulk buy toiltries from £1shop and get delivered (less temptation!)
    Ditto wine, look for offers / vouchers get delivered if cheaper
    Bake sweet snacks /cake
    Use my supermarket to compare

    Thats it so far!
    MFW 67 - Finally mortgage free! 💙😁
  • newgirly
    newgirly Posts: 9,359 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Eric has not sold, £1,140 was the highest bid, plus a text offering £1,500.reserve was £2,000 which was low enough! I guess I will stick him on gumtree and see what happens. I know I paid a reasonable price for him as I watched literally 1000's of minis :o

    I have spent ages estimating what we need to see us through until new year toiletries/pet food etc. wise, filled baskets on two different online pound shops and tesco, then found a £12 off £60 spend at tesco so went there, lots was cheaper as its mostly all own brand. £71.64 spend.
    MFW 67 - Finally mortgage free! 💙😁
  • Firegirl
    Firegirl Posts: 1,007 Forumite
    Tenth Anniversary 500 Posts Name Dropper
    Good luck with your challenge!!!! It sounds like a good plan!
    Mortgage balance Feb 2015 start of MFW Journey-£245316.06/Aim to be mortgage neutral 2022 — Target for May 2024 14 Year Target Balance MF50 = £89,535 — Mortgage Balance £106, 000—Target for May 2024! £89,535

    Retirement Planning
    Starting Position (Jan 2024) : Pension 1-£165,000/Pension 2-£50,000/Pension 3-£9,500/ISA-£87,000/Total-£311,500
  • CathT
    CathT Posts: 7,133 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Very savvy food shop Newgirly. Good luck with your budget and selling Eric.
    June 2025 - part 1 - £19,145 part 2 - £21,973 Total - £41,118 29 months to go!
  • newgirly
    newgirly Posts: 9,359 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Up early to tidy, dinner sorted for tonight already - left over roast from mums yesterday for the kids and dh, left over hm veg curry for me.

    I'm not bulk buying wine for the next few months, too much temptation :D

    This might be a better way to shop long term really, in theory i should never run out of non food items, and possibly will spend less as im not buying for convienience when we run out , but when cheapest.

    Edit, thanks cath, it whiled away an evening whilst watching downton!
    MFW 67 - Finally mortgage free! 💙😁
  • newgirly
    newgirly Posts: 9,359 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Just had another text from the guy that was constantly trying to buy eric cheap last night, i told him the reserve was 2k as he offered 1200. Now he has said he "needs " to buy thr car and has offered 2k. Why offer to buy a car unseen? Do i waste my time arranging a viewing, think its too cheap anyway!
    MFW 67 - Finally mortgage free! 💙😁
  • AlexLK
    AlexLK Posts: 6,125 Forumite
    Debt-free and Proud!
    Work out in your own mind if you'll take £2,000. If so, what's the harm in letting him view?

    As for people buying classic cars unseen, the answer is plenty. :)
    2018 totals:
    Savings £11,200
    Mortgage Overpayments £5,500
  • edinburgher
    edinburgher Posts: 13,935 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Probably nothing wrong with letting the chap view if he's actually offering £2k, but I would be wary as he sounds a bit contrary. I appreciate that haggling is part of the process (probably why we'll end up using one of these firms that advertise on TV to avoid it in future). So remain optimistic, but be exceptionally suspicious if he seems to be a flake/starts trying to do complicated things involving money transfers etc. ;)

    I agree with GG, sounds like you're in justification mode for something shiny. I am not sure whether a Panda can fit 5 people + their luggage. We saw a couple on the road yesterday and they were tiny and quite boxy.
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