Mimi's mortgage plan

Mimi09

The first 'new' payment has been made + £200 OP:j only 119 more to go.

Last months spending was £160 over budget, pretty good for the first month of doing a spending diary. Shall aim to be under budget this month......

Mimi09

Well, 2 payments made on the new 10 year term.....and boy are we feeling it. OH at last has (semi) light bulb moment 'but I have no money and not spent anything' apart from the clothes and wii......:rotfl: I've done all finances up until recently. He is supposed to be saving for car expenses and holidays out of his allowance but thats not happenning ggrrrr

On the plus side, he no longer goes for a drive to occupy kids, but bikes instead, however when he has gone places he has started using my car as he can't afford petrol. Need to nip that in the bud.

Spending diary is keeping me in check. Although had to take £800 out of savings to cover overspend for last 2 months (inc holiday, xmas presents and daughters party), so feeling a little overstretched at mo. Still trying to shave money off groceries.

Not feeling so positive about this now, I think I've done too many little charts working out the mortgage reductions, so in my mind I should be nearly clear by now:D

All xmas presents bought, however our bay window roof is leaking (for last 4 years:o) and the quotes are coming in at £600-£700, which would have to come out of savings:( Putting head in sand on that one at mo and hope roof doesn't collapse. Also got 6 windows to buy blinds for....again putting it off.

OH starts back at work soon :T :T:Ton so many fronts.

Mimi09

Overpayment 3/120 made....we now own 64.4% of the house:) Didn't keep a spending diary last month and it shows in the bank balance. Lots of unnecessary costs; 2 x parking tickets, broken laptop screen (£200 Ouch), experian trial which I've failed to cancel 2 months later ....

We now have 6 blinds on order, and a lovely cabin bed waiting to be put together for DS to tempt him back into his own bed....along with a large overdraft, which I'll have to chip away:(

OH back at work, so I'm starting to tackle the paperwork mountain.
Targets for this month:
1. Start spending diary again
2. Pay for everything in cash
3. Pay off £200 of o/d
4. Sort out all paperwork
5. lose 5lbs for xmas

Mimi09

I seem to have totally lost the plot with our finances! Now £900 overdrawn and I can't see how....need to seriously get myself back on track. OH is £300 overdrawn, but he's not managed his own money for 10 years so thats to be expected.

Yesterday's joyous setting of family Christmas traditions didn't quite go to plan. OH (who is dying of Man Flu apparantly) lost his sense of humour and rationality when the tinsel I passed down from the loft hit him. Que the verbal rantings and throwing bat out of pram, leaving me, (dwarf) trying to wind lights round a 7 ft tree. Said lights, that were fine at the beginning of the winding, failed to so much as flicker by the end. OH dispatched to get more lights.

In the blink of an eye, 2 year old breaks 3 Christmas ornaments, makes a hole in our posh leather sofa, gouges a scratch down 2 kitchen units and blocks the downstairs toilet.

Children were bound and chained to Curious George whilst we had takeaway and copious amounts of wine to recover.

originalmiscellany

Sounds like you've had a tricky time recently - sympathies to you for that. Always a good time to get back on the wagon as it were; set some more targets and go get 'em for 2012 I say.

Mimi09

Thanks Originalmisc, absolutely..... 2012 is my year to get in control of life and to enjoy! I love the fact we are on track for paying off the mortgage in 7 years. I'm best living on the edge of an overdraft as it focuses the mind on spending . (Although £900 is pushing it).

As for the overdraft:
I'm sitting here looking at my lovely new blinds, having finally ditched the mustard yellow/lime green ones we inherited when we moved in 5 years ago.

And got a fab bargain on ebay, brand new cabin bed for ds, slight damage which isn't visable, £80 instead of rrp£700 Even better, he sleeps in his own room now:T

Goals for 2012:
lose 3 stone:o
keep to budget
get rid of overdraft
teach DS to read
get DD into brownies
invite DD friends for tea on fortnightly basis
monthly nights out / away with oh without children

Mimi09

I've reluctantly opened my sealed tin, to bring the overdraft down. It was to be my frivilous splurge money, but seems daft sitting there, whilst I'm racking up interest. So, O/D is now a much more reasonable £550.

Todays goals;
Get paperwork together to send off for DD bluebadge renewal
Write Christmas cards
Sort paperwork files
Buy meat slice (half price;))

Mimi09

Overdraft down to £200....

Wasteful purchase of the week: bought a few large half price hams at Morr*%sons, as daughter is a pork product fiend, only to find half our meat slicer got lost in the building works. So duly went and bought another (albeit half price). OH finds the missing parts last night, so now a proud owner of two meat slicers......

coldcazzie

Oh no! :rotfl: I hate it when things like that happen! Can you take the new one back for a refund or is that not possible once it's been used?

Mimi09

OH did suggest trawling through the bin to get the packaging back out. Not sure they'd accept it with bits of ham sticking out of it. :rotfl::rotfl: