Mortgage Free - so good they'll do it twice! Wynnvegas aiming for the big house

wynnvegas

Hi RT,

Moyra is confident she can fill any size room with clothes and shoes and, having seen her on her January sales frenzy, I can well believe it. We might have to significantly downsize the house to be able to afford all the unnecessary crap she wants to stick in it!

Cheers,

Billy

wynnvegas

Morning All,

I've become a proper fan of the MSE Grabbit board in the last week while and the current big hit is reducing the cost of the sky subscription by 50% for six months. Just gave Sky a call and they did that without any hassle at all. Another win for MSE!

Just getting over the remainder of the man flu so aiming to hit the gym this weekend (free 3-day Esporta pass) and get back into the way of the Wii Fit. Horrified to have put two pounds on since starting the latest attempt at a diet but I'm blaming the illness and long periods of inactivity for that (and not the Christmas chocolates!).

Tried my hand at my first shot of drawing. I can now manage a relatively creditable rubber duck, a mournful looking gremlin and a perplexed looking dog. The latter two seem very happy in the pictures I'm copying but for the life of me I can't get a smile that doesn't look really stupid. I'm planning on having a crack at a horse's head tomorrow. The Mandarin is coming along at no great pace (in no small part to my efforts at stick cricket on the iphone) but it's better than it was a week ago and, despite my posture exercises (which I'm sure have sheared the bottom of my spine), my singing has improved not a bit. That's the one that will definitely need professional help.

I'll away and update the SOA as it seems de rigeur to stick a shiny new one up.

Cheers,

Billy

wynnvegas

Household: Moyra and Me
Cars: 2 (mine is a company car though)

Income:

Earnings: £3,900 per month
Quidco £532.34 and counting in the last year
Loans Outstanding: £3,062.54
Benefits: £0

Expenditure:

Mortage / Rent: £0 :A
Secured Loans: £0
Management Charge: £0
Water: £0
Council Tax: £1520 (payable annually in April)
Electricity: £40p/m
Gas: £40p/m
iPhones x 2: £55p/m
Sky: £38.62p/m for the next six months
Groceries: £200 p/m
Petrol / Diesel: £150 p/m
Life Insurance: £28.64 p/m
Haircuts: £15p/m on average
Union Dues: £11.25p/m
Online Shopping / Clothes / Presents: Somewhere around £100p/m
TV License: £145.50 (April)
Road Tax: £90 (January)
Car Insurance: £180 (July) not including the £45 cashback from the not at all annoying Sheila's Wheels
Car Maintenance: £300 (December) - this year it was all of £45 though!
Breakdown Cover: £27 with £22 cashback from RAC - switch between AA and RAC every year with quidco fun
Buildings and Contents Insurance: £160 (was £129 but now covering the iphones as I'm paranoid about one of us dropping it)
CIPD Membership: £120 (July)
Travel Insurance: £30 (July)
Entertainment: Difficult to measure as it's only the odd night out we have that doesn't involve us going to a friend or family member house. Maybe £250 over the year for Moyra to go on her theatre shows and concerts.

2011 Big Ticket Items:

Bathroom / Boiler Project: £7,500 (bathroom suite bought)
Vegas 2011: £7,500 (flights booked)
Kitchen Project: £9,000
Floors and Doors project: £3,000

Secured Debts: £0

Unsecured Debts: £18,000 (student loans)

Average Monthly Surplus: £2,996.10

Net Assets: £177,195.11

Froggy-G

wynnvegas wrote: »

Household: Moyra and Me
Cars: 2 (mine is a company car though)

Income:

Earnings: £3,900 per month
Quidco £532.34 and counting in the last year
Loans Outstanding: £3,062.54
Benefits: £0

Expenditure:

Mortage / Rent: £0 :A
Secured Loans: £0
Management Charge: £0
Water: £0
Council Tax: £1520 (payable annually in April)
Electricity: £40p/m
Gas: £40p/m
iPhones x 2: £55p/m
Sky: £38.62p/m for the next six months
Groceries: £200 p/m
Petrol / Diesel: £150 p/m
Life Insurance: £28.64 p/m
Haircuts: £15p/m on average
Union Dues: £11.25p/m
Online Shopping / Clothes / Presents: Somewhere around £100p/m

2011 Big Ticket Items:

Bathroom / Boiler Project: £7,500 (bathroom suite bought)
Vegas 2011: £7,500 (flights booked)
Kitchen Project: £9,000
Floors and Doors project: £3,000

Secured Debts: £0

Unsecured Debts: £18,000 (student loans)

Average Monthly Surplus: £2,996.10

Net Assets: £177,195.11

Billy

What about car costs (MOT, service..), building & contents insurance, car insurance...??

Would you have a link for the Grabbit board please?

Cheers
Froggy

wynnvegas

Hi Foggy,

Certainly - http://forums.moneysavingexpert.com/forumdisplay.php?f=36

Indeed - all the annual costs get fired away elsewhere. I'll add those in now. Anything from the dastardly agencies yet?

Cheers,

Billy

Froggy-G

wynnvegas wrote: »

Hi Foggy,

Certainly - http://forums.moneysavingexpert.com/forumdisplay.php?f=36

Indeed - all the annual costs get fired away elsewhere. I'll add those in now. Anything from the dastardly agencies yet?

Cheers,

Billy

Had a few phone calls, yes... Sent you a PM earlier.. Have got appointment on Wednesday next week, with the agency I really wanted to see...
Thanks again for all your help - Greatly appreciated

Froggy

wynnvegas

Thanks Froggy,

For some reason the laptop crashes everytime I try to get onto the "my account" type page so I can't get to the PMs. I uploaded a photo last week to the profile which may well have upset MSE to such an extent that it's fighting back! Glad you've got what you're after thus far.

Cheers,

Billy

LilacPixie

wynnvegas wrote: »

Household: Moyra and Me
Cars: 2 (mine is a company car though)

Income:

Earnings: £3,900 per month
Quidco £532.34 and counting in the last year
Loans Outstanding: £3,062.54
Benefits: £0

Expenditure:

Mortage / Rent: £0 :A
Secured Loans: £0
Management Charge: £0
Water: £0
Council Tax: £1520 (payable annually in April)
Electricity: £40p/m
Gas: £40p/m
iPhones x 2: £55p/m
Sky: £38.62p/m for the next six months
Groceries: £200 p/m
Petrol / Diesel: £150 p/m
Life Insurance: £28.64 p/m
Haircuts: £15p/m on average
Union Dues: £11.25p/m
Online Shopping / Clothes / Presents: Somewhere around £100p/m
TV License: £145.50 (April)
Road Tax: £90 (January)
Car Insurance: £180 (July) not including the £45 cashback from the not at all annoying Sheila's Wheels
Car Maintenance: £300 (December) - this year it was all of £45 though!
Breakdown Cover: £27 with £22 cashback from RAC - switch between AA and RAC every year with quidco fun
Buildings and Contents Insurance: £160 (was £129 but now covering the iphones as I'm paranoid about one of us dropping it)
CIPD Membership: £120 (July)
Travel Insurance: £30 (July)
Entertainment: Difficult to measure as it's only the odd night out we have that doesn't involve us going to a friend or family member house. Maybe £250 over the year for Moyra to go on her theatre shows and concerts.

2011 Big Ticket Items:

Bathroom / Boiler Project: £7,500 (bathroom suite bought)
Vegas 2011: £7,500 (flights booked)
Kitchen Project: £9,000
Floors and Doors project: £3,000

Secured Debts: £0

Unsecured Debts: £18,000 (student loans)

Average Monthly Surplus: £2,996.10

Net Assets: £177,195.11

hehe I have comments. Firstly you sure the SOA is accurate?? £250 a year for theater and concerts?? now i have no idea what Moyra is into but the Playhouse is £40 a ticket. Takethat was £70 a pop and as you said theater shows and concerts thinking with programs and maybe a meal before hand even if she is going with friends not alone that £250 would disappear over 2-3 nights.

Clothes/shoes/pressies/online shopping £100 a month :rotfl:I could spend that on a handbag!! I am guessing M is in you avatar.. she is not spending £15 a month on haircuts.. i'm female I know these things :rotfl:

[Deleted User]

hey Billy
SOA looks good and how lovely to be able to put a zero mortgage balance!!
are savings now all going to the bathroom etc projects? youll have a flash new house in no time without having to move!! have watched a couple of grand designs lately and thought of you - mrtyo is well up for building himself a castle but think we will have to stick to houses built for us with prices down south! :rotfl:

wynnvegas

Hi LP,

Fair enough. She is actually only scheduled to go to Blood Brothers, Grease and Bon Jovi this year. If Stephen Lynch comes on tour in 2011 to the UK, we've promised all the people that we've converted that we'll get a bus together and grab 50 seats...the regret of such promises only hits me later!

After the sprees of the recent couple of months, Moyra has at least admitted to not having any room to buy more clothes. Now that the excuses of "that's worn out" and "that doesn't fit" are gone, she can't be needing that much more. She has tried to hurry the new house to give her more room. I don't think she's as fussed for the big house nearly as much as she is for the opportunity to shop and fill the thing. The £15 a month includes me as well for haircuts! I'm a tenner every 6 weeks and she's all of £15 for a cut every three months or so. Mortgage free or not, £100 on a handbag wouldn't go down well!

Cheers,

Billy