Pay off mortgage and start having fun!

getmore4less

newgirly wrote: »

Gm4l that cruise does look a bargain , but I couldn't go for 16 days due to dh's work and the thought of leaving the kids :eek: will you be doing that one?

(I realised it was too long but gives an idea of what is out there even with the price rises this year, we are still thinking about it, we have 2 bathrooms and a garden project to cover this year and OH just bought a car)

I have just changed to the 3 night cruise after all we have just found out today that ds2 .... so three nights it is! On the plus side there will be a refund due of £680 now.

I went for the cheaper inside cabin as it saved another £100 and it has a brand new screen in your cabin which shows an image of the outside view on it, pretty cool.

Inside will be fine you won't be in it much less strain on the budget and time. The time will come soon enough when things loosen up and you can do other other stuff.

newgirly

Gm4l , enjoy if you do go

When the mortgage is paid, the kids are older (and don't want to have parties ) we will be merrily cruising around the world, with a balcony :rotfl:

Decided to op the cruise money, we may well want a holiday with the kids in July if we can persuade them! , but as its io I will just underpay by that much if and when we need it.

Stepping up the op's from April onwards, dh will continue taking some money in dividends and reducing his wages, so will earn more. All of it will go to op's except an extra £5 pm pocket money for the boys. Current budget for "everything else that's not bills or car pot" is £750 pm, (not including maths tuition money).

Even though we will have more money coming in I really want to keep costs down so,we can shave off a few months, the term is now 6 yrs 2 months and I would love to make it even shorter

shangaijimmy

Well the 2minths is neither here nor there, so we may as well call it 6 yrs left!

newgirly

Thanks sj, I wish I could knock off two months so easily

Another good day avoiding the housework today (birthday part 2!) shopping with best friend and baby, lunch at c*sta and I managed to spend some, birthday money :T a lovely evening bag from Tk ma** with magpies all over it, sounds bonkers, looks fab! £8 from £40.

The house is filling up tomorrow, we are having a takeaway with my parents and aunt, and now ds1 has a friend staying over as they are going to Liverpool at 5.30am (West Ham again) and now dd has asked for her friend to stay as they are going to a gig at the o2. It's like a hotel sometimes. I love it but don't love the fact I need to do lots of housework tomorrow as I have been at work or out shopping all week

To do list:

Clean whole house
Change beds
Find some spare sleeping stuff for kids
Check email for cruise booking and refund due
Go to post office to collect the £5 velvet jacket I ordered
Buy plenty of wine for family visit
Set the table with a pink sparkly theme as its my birthday and Mother's Day (dd has already decorated with banners and sprinkles )

smallholdingsister

Many happies!

newgirly

Urgh too much wine last night and awake too early this morning - ds1 and friend off to Liverpool , set alarm for 5.40 am they woke us up ready at 5.15 am - evil :eek:

Dh is dropping them off at the coach pick up then coming back to collect the other two for work, the second week n a row for ds2 :T I have NOTHING to do all day except ironing :dance:

I could:

Laze around and watch catch up tv
Read a book
Stay in bed with my iPad
Cook for the week ahead
Try out my new ceramic rollers when they are delivered today
Spend some time on the op calculator

Out tonight to the Turkish restaurant with best friend and her hubby for my birthday, won't drink too much wine this time

CathT

Sounds like you had a good evening.

What are your plans for cruise refund money?

newgirly

Overpaying it cath 😇

newgirly

£807.67 overpaid :T

£682 cruise refund came in today and £125.67 made up of loose change, tcb, change in saving accounts , £2 coins and £40 mum owed me. not a total wash out month after all

Such a lazy day today, it's been bliss

newgirly

newgirly wrote: »

February update!

Start figures:

Mortgage £128,772.64
Fluid. Cc. £3,286.10
Santander cc £4224.73
Loan. £29,060.64


Total at Jan 1st £ 165,344.11


As at today:

Mortgage £125,947.98
Fluid cc. £3188.51
Santander cc. £4099.25
Loan. £ 28,010.40

Total today; £161,246.14

Total reduction so far this year: £4,097.97


Total jan reduction :£2,193.54
Total Feb reduction:£1,904.43