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Peonie's journey to smart money management

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  • newgirly
    newgirly Posts: 9,348 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Hope you are feeling ok now Peonie, take care x :)
    MFW 67 - Finally mortgage free! 💙😁
  • Take care Peonie.

    Best wishes Tilly x x
    2004 £387k 29 years - MF March 2033:eek:
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15 :j
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Hope you're doing ok xx
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
  • Lois_E
    Lois_E Posts: 2,227 Forumite
    Ninth Anniversary Combo Breaker
    Peonie

    Just been catching up on your diary. Sorry to hear you are feeling worse. Hope the next appointment brings hopeful news about treatment that will help. :)
    Starting again 13/4/19
    Home loan 1: £21,102.50 Home loan 2: £7,698.99
    Total owed: £28,801.49
  • Peonie
    Peonie Posts: 1,471 Forumite
    Tilly, Gallygirl, Shala, newgirly and Lois thank you for your messages.

    I'm feeling a lot better. I'm using the plie technique to pick up things and am trying to restrict medication to night time. I may have fell asleep in the sun a few times in the last few days and managed to go for a short walk this evening.

    These last 2 days have been wonderful in the sun. I really appreciate them a lot more; watching the apple blossom fall from the trees. Lovely.
    Pots: House £6966/£7100, Rainy day Complete, [STRIKE]Sunny day £0/£700[/STRIKE], IVF £2523/£2523, Car up-keep £135/£135, New car £5000/£5000, Holiday £1000/£1000, MFW #16 £2077/£3120
    MFiT3 #86: Reduce mortgage from £146,800 to £125,000
    Mortgage Sept 2014: £135,500, MF Oct 2035 Peak July 2011: £154,000, MF July 2036
  • newgirly
    newgirly Posts: 9,348 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    A bit of sun does make your mood lift, I hope you are feeling well and have a good day today :D
    MFW 67 - Finally mortgage free! 💙😁
  • shala_moo
    shala_moo Posts: 3,272 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Hope you're feeling better xxx
    Mortgage amount at 31/12/2011 £166,050 now £0 as at Sept 21 - 15yrs 4 months early.


  • Peonie
    Peonie Posts: 1,471 Forumite
    Hi newgirly and Shala. I'm feeling a lot better. We had a meal at a friends house last night and I drank a little bit too much wine. I now have a bad head and found it hard to sleep - weird.

    £300 whizzed over to the savings account and I need to update the old SOA to see how much more savings I can declare for May. June will be a harder month. I don't know how much lower my wages will be from being off work sick.

    I have a real urge to spend money. I'd really like to buy something for the house or to decorate but I should not do anything too strenuous.
    Pots: House £6966/£7100, Rainy day Complete, [STRIKE]Sunny day £0/£700[/STRIKE], IVF £2523/£2523, Car up-keep £135/£135, New car £5000/£5000, Holiday £1000/£1000, MFW #16 £2077/£3120
    MFiT3 #86: Reduce mortgage from £146,800 to £125,000
    Mortgage Sept 2014: £135,500, MF Oct 2035 Peak July 2011: £154,000, MF July 2036
  • newgirly
    newgirly Posts: 9,348 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Hi Peonie, you have been a bit quiet lately , hope all is ok :)
    MFW 67 - Finally mortgage free! 💙😁
  • Peonie
    Peonie Posts: 1,471 Forumite
    Hi, sorry I've been quiet. Whilst off work I was hardly on the computer but now I'm back normal services have resumed. I've been catching up on everyone's diaries and should post more often again.

    I completed my May SOA and was able to add an additional £65 to the sunny day fund. Only £450 to go. :T Will I hit the target this month? I ruddy well hope so.

    On the 3rd of June I OP'd £115.31 off the mortgage taking it down to £144,000. That's £10,000 knocked off the mortgage since we bought this house 2 years ago later this month :T hitting another milestone.

    My signature is up-to-date and it now is:
    Sunny day fund (12k in 2013) no. 114: £2,966/£3,416, achieved 88%.
    MFiT3 no. 86: Reduce mortgage from £146,800 to £125,000.
    Mortgage now:
    June 2013, at £144,000, end date April/May 2036.
    Mortgage at its highest:
    July 2011, at £154,000, end date July 2036.
    Pots: House £6966/£7100, Rainy day Complete, [STRIKE]Sunny day £0/£700[/STRIKE], IVF £2523/£2523, Car up-keep £135/£135, New car £5000/£5000, Holiday £1000/£1000, MFW #16 £2077/£3120
    MFiT3 #86: Reduce mortgage from £146,800 to £125,000
    Mortgage Sept 2014: £135,500, MF Oct 2035 Peak July 2011: £154,000, MF July 2036
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