Pay off mortgage and start having fun!

V8D

No click & collect or delivery available for any of the supermarkets my way. 

Everyone is either eating or getting fit at the moment. 😂

 

newgirly

It was a fluke as they released some two days before collection when they are always fully booked, I did feel bad using a slot but we were getting for other family households who can’t go out and it was such a big shop it never would have fitted in one trolley. 

Just left the house for the first time in two weeks, went for a 6.30 am walk and it was lovely, only a couple of dog walkers who stayed away and bright and sunny even though it’s freezing still. I’ve decided that whatever happens I need to do more steps a day, aiming for 10k. I’m also going to start doing a bit of exercise at home, there’s no reason to not use this time in a positive way really, I got so close to goal weight (about 9lb) it would be a shame to not reach it or more likely pile a couple of stones back on 😆  

Dh at work today so I’m keeping busy trying to organise the kitchen as there is food overspill as we have bought quite a bit. Then I’m on the hunt for fence stain in the shed, I doubt we have any though, shame we can’t get rid of the junk in the log cabin to get it all nice and the hot tub running, no trips to the garage over the road just now though obviously. 

Spending done yesterday £10.80 on a pair of (can hardly say the words even) pink crocs 😱 I’ve lovely sheepskin slippers but don’t always want to wear them and we are going to be home for a while, I had some years ago and although the ugliest possible footwear they were very comfy 😂 they were in the sale with 7% cashback and free delivery. 

Mortgage updates to defiantly follow today 😁

newgirly

Didn’t go for a walk this morning, I had a text from best friend last night about her dd who is having an horrific time on the frontline and is not coping with what she is seeing 🙁 As it’s the weekend and a lovely sunny day I feel I should just stay in, we are in a town and the less we are out the better right now. 

Spent a good few hours yesterday re arranging my drawers, re ironing and rolling up neatly 😆 surely life is too short for this sort of thing! I have been looking at garden supplies online and it’s not that easy to buy locally and I don’t know what to buy either, I guess it’s also a bit early for the usual packs of bright patio plants. I have however (thanks to Jessy’s diary) remembered that at work I have free seeds from various gardening magazines we bind , hooray! Will attempt to grow whatever they are in the few pots we have! 

Also managed to get another saisbugs click and collect, weirdly they had the available most of yesterday to book for next week, will not go as crazy this time buying for everyone else and paying or we will go broke 😱 three veg boxes coming tomorrow too .....

Jessy103

Free seeds for the win! 

Enjoy the rest of your weekend

themadvix

NG, it’s fine to order for people, but unless they’re destitute they should be paying you!! You’re generous to a fault but you’ve got to look after yourself financially, especially as things are rocky at the moment!!

I don’t see why you can’t go for a short walk, as long as the streets aren’t so busy that it’s not safe. Mr Gove would tell me off, we were out a whole hour and twenty-two minutes! But in plenty of space and only one idiot didn’t move over 😡

 Enjoy the rest of your Sunday!

Moneyfordreams

Well done on your shopping for everyone...  thankfully I have delegated that task to DH who works there

newgirly

Hi mfd’s and Vix, the shopping is for dd who is working unpaid from home and living at boyfriends dads house so I feel should help out a bit, the rest was for great aunt and uncle, but I will ask for money next time as it’s too expensive. Vix it looks busier on the pavements here than usual, all these people who are usually busy doing other things or working are now going for walks, I will go out but only when it’s really early as I get to cross when people don’t keep their distance 😆 local town Facebook page is saying people are out picnicking in the local park, I’ve lived here nearly my whole life and nobody ever does that it’s usually just a few odd dog walkers and rugby players, strange! 

themadvix

Fair enough for DD’s food. I don’t blame you for getting cross with people... I may have muttered something in the direction of the idiot earlier - glad he didn’t hear me though as I wouldn’t have wanted to mess with him! I know what you mean about people - who obviously normally just sit at home or go to the shops, never has the population of the UK been so keen on exercising!!

newgirly

💚💚💚💚💚💚💚MARCH UPDATE💚💚💚💚

So finally I’m biting the bullet and updating the figures, it’s tricky as I think I need to now combine our residential mortgage and the mortgage on the factory that we own (but rent out to our bosses), the factory mortgage being paid by their rent which goes into our company which is now basically a shell company to run a few bits. Phew. So current mortgage payment paid by their rent is £1482 pm, no ops have been made so far, 5 year term ending Oct 2023 I believe. 

The aim is to flip any spare money to op factory mortgage, thus shortening the term and freeing up the rent to live on /op home mortgage/ invest. I hope to get the balance down to zero by July 2022.
Home mortgage end date is April 2022 but as deals run to July it will end July I am told by the building society, so we will only make minor ops by then and then will have to remortgage to clear it.

so....

START FIG JAN 2020 :                   TODAYS BAL:            MONTHLY :                YEARLY :

HOME MORT.   £ 73,119.28.             £72,356.85.                                                  £762.43 
 
WORK MORT.   £61,561.73               £57,755.28.                                                  £3,806.45

OFFSET.            £0.                             £6,365                                                          £6,365

TOTAL.              £134,681.01.             £123,747.13                                                £10,933.88

Can’t really compare to last months figures as I’m now including the other mortgage. Out of the £10,933.88,   £4446 was the usual mortgage direct debit paid for by the company and £4,000 was shares we drew for the year and put in the offset. 

As I’ve probably lost my job, finances will be all over the place in a downwards way of course, will have to see how things pan out, but I’m hoping for a monthly op of £380 towards the factory mortgage and £50-£100 to the home mortgage 🙂

newgirly

Oops it’s shifted everything around and I can’t edit a second time 😂