Pay off mortgage and start having fun!

newgirly

newgirly said:

:j YAY! I have just posted off the signed papers for our re-mortgage. We have been allowed to switch 3 months berore the old fixed deal ended.

when it all goes through we will have a £161,500 ish mortgage over 12 years, with a monthly payment of £1367.57, thats £406.00 more than we are paying now:eek:

We also have £9903 on a 0% credit card which I would like to include in our mortgage total, as we were going to add it to our mortgage but it was cheaper to leave it as it is.

So new grand total:

£ 171,403.00

Its a scary amount, and its about £100,000 more than we should have owed had we not run up so many debts over the years, but I feel very optimistic now as I know we will pay it off much earlier than the 29 years left.

Ten years ago! So we owe  about £100k less than that today, still not going to finish in time but we have acquired an industrial unit  that will be paid off In the twelve year time frame so it’s not all bad! 

Jessy103

Congrats on 10 years! X

themadvix

Sorry to hear about the 11-year-old. How awful 😢

 In better news, that’s some great progress - I don’t think we'll have done £100k in ten years (which is just two years away), unless we cash out DH’s work shares and pay it all off!

try_harder

Wow that is brilliant and you have had fun along the way that's the main thing

julicorn

Congratulations on the 10 years! Really great to see how far you've come, with lots of ups and some downs along the way.

newgirly

Thanks guys it’s both satisfying and terrifying that is been ten years already! Recent times have made me reflect a lot on what it was that made me happy in those early days, there’s a big element of feeling in control of everything which has sometimes stayed , sometimes not when I’ve gone out and blown money because I felt like it 😆 

I think a lot of us are appreciating the simpler things in life at the moment, more time with dh has made a big difference, in normal life I have to book an actual trip away for him to take any time off work, that combined with a feeling that we have missed out and so have the kids on travel abroad as we couldn’t afford it, has made me want to prioritise going away as an important life choice. 

I don’t think there’s anything wrong with that really, but perhaps we will do fewer and better trips, and focus on making time at home good too. If we are not moving and big work has been getting done on the house in the last couple of years, perhaps it’s time to just make it exactly how I want it. (I say I not because dh is not important, but that he couldn’t care less how I decorate the home 😆) so a slow planned upgrade of everything in it. 

I will still spend money going for coffee with family when we are allowed of course and having lunch out on a Thursday with best friend (cannot wait!) as these are things I love at a relatively low cost. But the wasteful clothes shopping I used to do must cut right down. There is still plenty that needs buying when I do want to scratch that itch - food, toiletries, cleaning stuff etc. and things for the home. 

Overall I’m looked forward to getting back to basics and I think lockdown has made this a lot more normal. At the start of this diary I used to do some quite extreme things - making my own detergent for example, the only person I told about this was my gran as I was quite embarrassed. But hopefully things have changed a bit, it seems everyone is trying new things now , it seems cool to try things yourself. 

Onwards and downwards for the next ten years I guess 😁

greent

Having made laundry detergent for around 15 years or so I don't see that as extreme! And as I've always made it with free soap from hotels or the offcuts from when I made/ sold soap as part of my aromatherapy business it's only ever cost me time and soda crystals (and a bag can last me a year) - got to be quite a saving over the years. I buy V@nish for whites (school shirts etc - just a once-a- week wash) but generally stick to gloop (although have been using the 'proper' stuff brought back from uni by DS1 these past few weeks)

newgirly

That’s great greent, you should work out what you have saved over the years 😁 I don’t know why I stopped now, I remember changing to a bag of soap nuts and then getting fed up with picking them out of my washing afterwards, maybe that’s when I started buying it again. Is there anything else you still do that might remind me of more thrifty times?, I’ve a terrible memory 😬

£2 op made today from personal spends again (no other money around right now) , bit of washing done, as well as two fairly ok French sticks made as we had no bread left, for a first attempt they were edible. 

greent

Am impressed you made baguettes - they're definitely not the easiest!

Can't think of anything else I do, tbh. I keep gloop in milk cartons - daughter always liked showing her friends it - they always think I'm a bit mad  

Soap nuts should be used in a wee muslin bag, ideally - keeps them all together - i had a free trial of some of them once - I liked the idea you can throw them in the compost bin afterwards  
X

newgirly

The baguettes were more like normal bread but long and thin 🙄  I guess making your own washing liquid is “mad” to most people 😆 

I need to be less lazy today, so with that in mind I have a to-do list:

Wash and dry all washing and sheets 

clean fridge and disinfect Asda shop when dh collects it 

post 2 cards 

clean bathrooms 

update icel@nd shop depending on freezer space tonight