Pay off mortgage and start having fun!

newgirly

Weight watchers night tonight, so much happier to be honest, much more choice to eat for me and a brilliant woman running it who has lost 8 st. it had a totally different feel to it from the first class on monday whch was " I've been here for a few years now and they are really supportive if you are not doing well - no judgement"etc.

WW was just factual, here's your points allowance and you can still have the odd night out on your weekly extra allowance, excercise will help, make good choices most of the time and track everything, no hard sell of products at all which was what I assumed would happen.

30 points a day and an extra 35 pw for treats which should be fine, most fruit and veg is not included too :beer:

newgirly

The 70's housecoat has arrived :dance: it fits but is a bit small which is perfect WW is going well, although probably too may points went to red wine tonight

Tomorrow we have a builder dad has used before coming over to look at switching the bedroom and bathroom, I'll get him to take a look at what needs doing if we have an extension too. I don't think he is particularly cheap as he quoted £90k to renovate my grans house a couple of years ago :eek:

AlexLK

Can you live without the work until your mortgage is clear then build up the money to have the work done / move as you wish? To be honest, it does seem like sometimes you are avoiding paying the mortgage off in the time you set yourself to as a target.

smallholdingsister

The housecoat sounds divine. Are you going for a Lilo Lil look?

newgirly

Hi Alex, yes we could and if we were just having a new kitchen fitted where the old one is then that's what we would do. Longer term an extension would be a lot better as we would have two separate living areas which would mean we could avoid our children when we want to That kind of work would take about three years to save for on top of the term remaining and I don't want to wait that long.

But I take your point, perhaps I'm subconsciously avoiding clearing the mortgage off so I don't have to leave the mfw board


Hi shs, I'm ignoring jealous comments re my stunning polyester housecoat today, so I shall pretend I don't hear that :rotfl::rotfl:

pink_poppy

I always think your diary should be called 'Pay off mortgage whilst having fun'

newgirly

Yes probably too much fun :rotfl::rotfl:

newgirly

Fantastic if expensive night out yesterday, paid for by dh though :beer: A friend of best friend's dh had booked 6 live bands to play for 12 hours in a pub nearby so we went there after dinner and it was great.

Today I did suffer the consequences a little mind and all my weight watchers weekly bonus points are gone along with a couple of paracetamol :rotfl:

We did go out this morning, the local antiques centre was hoisting a classic car show, so we popped over thinking it would be a dozen or so cars in the field next to it and it was massive, 100's and 100's of cars, if I'd known it would take a couple of hours to walk around I may not have gone with a hangover!

Tomorrow we have a builder dad has used before coming to take a look at moving the bathroom and box room around, he will hopefully give us a quote for a downstairs extension, even a rough idea would be helpful as I have really no idea of costs.

newgirly

I don't want to get out of bed today, I'm really tired and have work and then food shopping, then tonight is a girls night at the Indian restaurant around the corner for a cancer charity, tons of food and unlimited wine, not helpful being the second night out in less than a week and all my extra weightwatchers points are gone! I get 30 points a day and have made a 4 point breakfast and a 0point lunch for work today to balance it out.

I've been think about to how to budget to live and what to do re the mortgage end date if we get an extension which looks fairly likely if it comes in at under £65k ish which hopefully it will.

Currently we are scrapping by (or not !) on £500 pm as it ends next August, but taking out all of the offset and saving for the next 4 months would leave a balance of about £105,700 ish from memory, so I'm thinking of stretching it out to actual term end date of April 2022 and making that a standard direct debit payment, allowing £1000 to live off pm and oping anything left over which will hopefully knock a year more off.

I have to allow more to live on as scrapping by on £500 might be feasible for the very short term but not for longer as the kids will want driving lessons, I want to have holidays during that time and I don't want life on hold in that respect, plus uni costs are still an unknown factor, ds1 doesn't not want to go he has said already he would prefer to try and get an apprenticeship, ds2 probably will go but on the higher budget we could probably scrape by and pay the living costs.

themadvix

newgirly wrote: »

We did go out this morning, the local antiques centre was hoisting a classic car show, so we popped over thinking it would be a dozen or so cars in the field next to it and it was massive, 100's and 100's of cars, if I'd known it would take a couple of hours to walk around I may not have gone with a hangover!

I've done this before - after a wedding... where do all these cars come from? So many must spend most of their lives stuck in garages!

That's a lovely offer from your Dad, NG, and hopefully will mean you stop looking at other houses I agree with Alex... you don't seem to want to pay this mortgage off! You know you don't need to leave if you've paid it off - it seems some people never leave!