would love to be mortgage free!

Tilly_MFW_in_6_YRS

Hi Caz, just checking that all is going well with you?

Best wishes Tilly

coldcazzie

Hi Tilly, thank you for thinking of me! I've been absolutely all over the place. Everytime I think things are coming together I have another crap day and get stressed again.

Still haven't got around to remortgaging. However, the payments are not as high as I thought they were going to be. The letter they sent us was quite misleading. Anyway, I don't mind leaving it as is until I'm in a better mental state to deal with it.

Our last savings payment for this year went out on Monday. We've managed to save £2735 this year. A lot short of the £3500 I was aiming for at first, and even falls short of my revised target of £3k, but actually I'm ok with it. We have agreed no kitchen. We will finish the bathroom, put new floor in the hallway, and also do some bits in the kids rooms - buying the girls new clothing storage, sorting the boy out with some shelves and solid wooden toy storage as he just destroys plastic/cardboard boxes. After that we've a few possibilities but in all lieklihood we'll put a fence up between our front garden and next doors', and start to sort out the wall between the living room and dining room so that we can finish the living room decoration. I'm fed up of having half finished projects all over the place.

Not long until the C word now... have been quite proactive in searching for things. Have got a few joint gifts for the kids and am slowly amassing ideas for other folk too. Keep thinking we've got loads of time and we really don't!

I am setting my sights pretty low for next year... don't know how it's all going to turn out. With the doulaing I have absolutely no idea how much I am going to earn, and I've been putting off ringing tax credits because I know they're going to push me to make a guess and I really can't. It might be that we have enough money to put a good amount into the emergency savings fund, as well as saving for a new kitchen. But I'm not planning on it. My aim for next year is to simply save £100 a month. Anything after that is a bonus as far as I'm concerned.

If anyone is interested in reading it.... here's my blog: http://homeeddingwithbellson.blogspot.co.uk/

Mortgage_Reduction_Novice

coldcazzie wrote: »

Our last savings payment for this year went out on Monday. We've managed to save £2735 this year. A lot short of the £3500 I was aiming for at first, and even falls short of my revised target of £3k, but actually I'm ok with it.

You shouldn't feel dissapointed. You got 78% towards your first goal and 91% towards your revised goal - still a great achievement!

coldcazzie

You are right, MRN, and actually, considering that we're still doing the house up and have had a holiday and started HE and various other things, I'm actually ok with what we've saved.

Today's to do list:
- [STRIKE]cancel home ins renewal[/STRIKE]
- [strike]new home ins quote (and cashback)[/strike] [as an aside, same company, but renewing would be £20 more for the year! :eek: blaady rip off merchants! Plus this way I get cashback ]
- [STRIKE]order items on Amazon (with nectar points)[/STRIKE]
- [STRIKE]leave ebay feedback[/STRIKE]
- [strike]book car hire with my Tesco vouchers from earlier on this year[/strike]

coldcazzie

I did the home insurance... saved an additional £20 doing it in his name instead of mine... however, I know I went via either QC or TCB but the transaction isn't showing up at all on either of them... :think:

Car hire is booked for next weekend... have plans to do various things with it that I usually can't do: visiting further afield family/friends etc.

Christmas shopping is getting there... still have things to buy but have started wrapping things up. Need to have a proper go through what we've got so we can fill in the holes. Very tricky to buy things now though, as whenever I shop I've got all 3 kids with me scrutinizing my every move! LOL :rotfl: ahh well

I'm fairly sure that in the new year I'm going to abandon this diary and start a new one. I may even abandon this username too. I'll still be here though been catching up with folks diaries a bit this morning... it's really nice to see people chipping away at their mortgages. Wish I was doing the same... but that's partly why I feel the need for a new diary. This ones always felt a bit.... bitty. And didn't completely fit right.

Peonie

coldcazzie wrote: »

I'm fairly sure that in the new year I'm going to abandon this diary and start a new one. I may even abandon this username too. I'll still be here though been catching up with folks diaries a bit this morning... it's really nice to see people chipping away at their mortgages. Wish I was doing the same... but that's partly why I feel the need for a new diary. This ones always felt a bit.... bitty. And didn't completely fit right.

Hi Caz,
It will be a shame if you disappear. Selfishly for me it's good to have some other long-termers on here. Will you stay on the MFW board or move onto somewhere new?
Px

coldcazzie

Hey P sorry, I wasn't clear, I meant a new mfw diary. I'm still a mfw, just have to balance it with other things, y'know? (of course you know, that's the nice thing, everyone here knows!)

coldcazzie

For those of you who gave me all that encouragement when I needed it... I got my course result today, and I got a grade 2 pass, which means I got a 2.1 overall!!

gallygirl

Well done :j

Mortgage_Reduction_Novice

I think you should keep your thread and username. It's a great piece of history and even with only little MFW things, it tracks progress and keeps you mindful of being MF.