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Little Miss Mortgage Free Wannabe
Latest MSE News and Guides
MoneySavingExpert
Chair, Martin Lewis · Editor, Marcus Herbert
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Hope it's not too boring a read!
I have got into the habit of keeping our front door locked during the day as even though we live in a very nice area you just never know. Certainly worth being cautious.
Mine is even worse!! I was 20, with 10% deposit, before rate decreased (continue excuses here) ... so mine is 6.59% I think? Can't wait for it to be over!!
Current Mortgage Debt - £116,605.
2010 O/Ps - £5,000. 2011 O/Ps - £1,978.42.
Original Loan Debt - £6,000. Current Loan Debt - £3,500.
Original HP Debt - £1,000. Current HP Debt - £240.
Phelpsie001 at least you got onto the house ladder that's the main thing I think:D hope your term ends soon, I'm sure your get a much better rate next time round.:D You've done the hard bit!:D
Have to get some assignments done today I'm going to try and get them all out of the way for Friday if I can. I have now finished staff training I was one of the only agency staff that bothered to turn up, I know we don't get paid but it's still free training!
I've done conflict managment, searching students, sign language taster (which was good fun!) and drug awareness all free!:D It's all going on my CV!
Had a interview for a new agency today, think it went well. My pay is going to stay almost the same, although pay for specialist support is going up to £12.87:eek: that's great I need to find out what exactly counts as specialist though. That's something I can do later.
Trying to arrange this house tour thing, I can tell it's going to be a pain I don't even want to bother now as I've had a few "oh I can't make it" not that I'm too worried I just want some people to be there!
Anyway will try and crack on with those essays then there done, will catch up with diaries, oh get the house insured I need to do that! And just the usual bits and bobs, e-mails paper work etc etc!
Will try and update "what have you done to be MF today."
Little Miss xxx
Penny Challenge #39: £221.26 / £667.95
Make £10 a day: Feb: £300 / £280
March: £2.95 / £310
Had a no spend today yay!:D
Just looked to get some home insurance, got a quote for £160 on money supermarket checked it out on Quidco turns out your can receive £45 cashback for a joint policy and £25 for a single policy. I had to go through Esure direct to get the cashback but when I went to add OH's occupation it wouldn't let me go any further because he works in the forces!:eek:
I'm going to call esure tomorrow to see what they say! I have the quotes for a joint policy (works out cheeper too at £136.52 so a saving of £23.48 even without cash back) so at least I know what it should be, I don't see why we should get discriminated against! Huff over!:)
Also I have completed a survey on one poll for 10p woo!:D
Might go to wash my hair, oh and talking about that. My conditioner was running out and I didn't want to jump out of the shower wet to grab another so just poured a little water in and shook up had plenty left. I've done this for the last four washes!!! It's great saves me a little money! Every little helps
Night Night money savers!
Penny Challenge #39: £221.26 / £667.95
Make £10 a day: Feb: £300 / £280
March: £2.95 / £310
For those who have read the post above about the home insureance quote, called them today got it all sorted they said to list OH under other sector or something, have done this so saved £23.48 off the original price which I was more than happy with.
Just checked my Quidco account they have credited me the £45!!!
So that brings my home and contents to £91 bargain! I am so so so happy!!! I hope this may be the motivation OH needs to start being a little more careful with his cash!
Oh got to go!
Speak soon!!!!
Penny Challenge #39: £221.26 / £667.95
Make £10 a day: Feb: £300 / £280
March: £2.95 / £310
I haven't been on MSE for a while so hadn't seen your diary until now.
Moving house is such an exciting and yet stressful time, we moved last Decemeber and ended up exchanging and completing on the same day! :eek:
Hope your MF adventure runs smoohtly
All the best
LP
Mortgage free - 01/05/2019, mortgage high £200k 2011
Must of been stressful exchanging and completing on the same day!!! It's really exciting less than two weeks now for me I can't wait!:)
xxxx
Penny Challenge #39: £221.26 / £667.95
Make £10 a day: Feb: £300 / £280
March: £2.95 / £310
The weekend went soooo fast and I had the whole weekend off too. (I usually work one day over the weekend just for a few pennies.)
Told OH about the cash back he was quite shocked I don't think he really believed me when I have mentioned it to him before, now seeing it in the account he wants to buy everything off Quidco!
I think he's defiantly getting there, I have examples too!:) We didn't go into town this weekend as he said "it's all extra money!" Not only that but we had been drinking as we were at a house party at that point! I was quite proud deep down lol and I picked up 5p at a store we were in the other day, and said oh dave (we call each other dave people must think we are odd) found 5p he seemed chuffed and said it could go into the change pot we have. :T
It's just so much easier if we both have the same attitude.
Although I have to say we haven't had a great NS weekend, we brought a dinning table which was on offer from £1399 to £1099 and then we got 25% off with a cadbury card so brought it down to £845 with delivery. I know it's a lot of money but we also got a lot of table for our money, and it should last us for years and years!
Also went to a house party. OH annoyed me and brought 12 beers which everyone else at this party seemed to drink, was a bit of a waste to bring so many, I did tell him that at the time but he said he didn't want to be tight. I brought a bottle of wine so that was about £13 for the booze for the party.
Talking about our house parties my mum has brought me some coffee, tea biscuits for our little house tour, really sweet and saves me having to buy it bless her.:)
We also went to Nandos which was so lush it's a real treat, then went furniture shopping, didn't buy anything large but got a few little bits for the house. We are getting there though we are now onto kettle and toasters but we like the really expensive ones! Going to try and wait till one comes on offer or something. I know it sounds like we just spend but we don't honest.:D We have under spent on the majority of things we need by going to car boots, charity shops etc. So may splurge a little on the things we really like.
Been reading the make £10 a day thread I may start this off sounds like a good motivator.
Major update on things sorry it's a bit long.
For this week I need to as I am off woo!:D
1. Complete that last damm assignment!
2. Invite anyone else left on the list to the house tour.
3. Go to the docs later get tester for diabetes I keep putting this off so I have to go!!!
4. Look at online deals for gas, elec, water, phone, internet etc. (Remember Quidco!)
5. List 99p items on ebay if this is free?
6. Sort through house and start packing!
7. Complete cross stitch tree:)
8. Call council about getting single persons tax allowance.
9. Keep money saving where poss try and get back onto surveys etc..
Keep going money savers!:D
Penny Challenge #39: £221.26 / £667.95
Make £10 a day: Feb: £300 / £280
March: £2.95 / £310
Hope diabetes test goes ok.
£45/£170 so far!:D I may have saved a little more but I'll call it that for now seeing as we did splurge a little this weekend.
xxxx
Penny Challenge #39: £221.26 / £667.95
Make £10 a day: Feb: £300 / £280
March: £2.95 / £310