Mortgage freedom..Shala_moo's attempt at a diary..

shala_moo

May Monthly figures
Outstanding Mortgage £158,718.72
Family Loan £5,000 (OH will pay this each month)
Daily interest £17.40
Offset Savings £10,111.14

Total Debt as present moment £153,607.58(-1,654.44):j

I would have paid off more of my debt, however, they forgot to pay my overtime this month :mad:.. will hopefully get it in a few days, fingers crossed!



Update to last months goals

• goal next month to get total debt under £155k - done it!!
• also goal to clear my sister's loan to us - approx £1600 left (the other part is to my dad) this may take a couple of months though - done it!! :T:j:T glad to get this £10k paid back to her!

Health goals

• 42lbs to lose - 5lbs down - forgot to weigh this morning
• run/walk/jog 100 miles a month (payday to payday) this is approx. 3 miles per day - missed target again
• new goal - complete crunch/squat challenge (all 30 days)

shala_moo

Updated "update" figures now my overtime has been paid (plus a few tilly tidies)

May Monthly figures
Outstanding Mortgage £158,718.72
Family Loan £5,000 (OH will pay this each month)
Daily interest £17.40
Offset Savings £10,554.75

Total Debt as present moment £153,163.97(-2,098.05):j

Hopefully we'll be under £150k total debt in the next few months!

shala_moo

Back from hols... spend not too bad

• food out and about - £60
• snacks for in the house - £10
• underwear shopping - £84 (4 bras desperately needed!)
• history tour thing - £14
• petrol cost - £50 ish
• toll road cost - £9.30:eek:

We used vouchers for some of the meals out and my sister paid for some so food spends were ok.

We got to go on a history tour of the area my sister lives in, part of the Brighton Festival, which was great. We visited the private gardens where Lewis Carroll used to stay, they were stunning, designed with little woodland glades and all the bluebells and tulips were out... luckily we had really nice weather so all the flowers were in full bloom!:cool:

Glad to get home to have a rest though, she does make me walk a lot, and I managed to walk up and down 28 flights of stairs in one day according to my fitbit!

shala_moo

Happy sunny June everyone x

Just catching up whilst I have a moment out of the sun... i'm of irish descent so i'm whiter than a white thing, 10 mins in the sun and i'm burnt to a crisp :rotfl:

Money stuff

• OH paid his monthly money over to me
• credit card paid off
• £150 more off the family loan
• £320 put into offset savings pot
• £10 voucher ordered from CP
• £5 for Lid1 to use(from Faceb00k) - £30 shop

Health/fitness stuff

• fell behind on squats challenge so still only on day 9 (80 squats):(
• did 1.5 miles jogging this morning:T
• had chips for dinner last night
• just completed 3 hours of gardening:cool:
• still have loads more to do:(
• healthy homemade lasagne and salad for tea

Have a great weekend xx

LauraJo

Well done on the exercise :j
I think the nice weather is motivating for that! Or do what I've done and get pets that need walking and riding. I swear I wouldn't do anything if I wasn't forced to!

shala_moo

Thanks Laurajo! You're mortgage figures are fantastic, i'll nip over to your diary later and see what your tips are!

---

Did my Lid1 shop this morning, spent £30 and got a £5 discount. OH added it up wrong and we were 50p under £30, cue trying to find something that was near to the till to add to the shopping - ended up with a packet of sunflower seeds to add to salads! I shan't be relying on OH again - and to think he's an accountant :rotfl:

Not keen on shopping at Lid1 - I know people say it's cheaper but I spotted a few things that were more expensive than Tesc0 and Sains.. I don't think i'll be going back there again (except at xmas for the gingerbread!)

Off to start making my models for the Angry birds cake I have to make this week.. then we're possibly having a BBQ tonight :T

Have a good day xx

shala_moo

Hello sunny people...

Busy week with work and also had a cake to make for my boss( have to keep on their good side!:D) think the cake took me 8 hours to make and I've done 6.5 hours overtime this week.

The only problem is I've spent the money earnt already :eek: one trip to B&Q for a hose pipe connector and 12 plants and i'm skint again till payday:o I did, however, not buy a firepit that I've had my eye on.:A

Peonie

Well done not buying the fire pit.

shala_moo

Thanks Peonie, but it's only on hold until we get a proper seating area built rather than not buying it at all

We're trying to make the garden a little nicer to use, at the moment we have no seating area, the grass is mainly moss, there are nettles and weeds everywhere and the plants that were there before were all ground cover plants (which I hate).

I've pulled up everything in two of the beds and replaced them with some lovely hebes and euonymuses (what's the plural?euonymus's or euonymi:rotfl:) and a few bedding plants. Then covered the rest of the ground with bark chippings, to stop the pesky weeds!

I think it's definitely going to be a labour of love!

Money savings this week :

• £5 Ha1ifax reward moved to savings pot
• £8.31 f1exdirect interest moved to savings pot
• £5 voucher for Tesc0 next shop (plus £1.32 price check voucher)
• salad leaves have now sprouted - just a few more weeks until we have to stop buying salad :T
• apples tree, strawberries, blackberries and raspberries all look to be producing lots of fruit :j
• surveys all done
• free L0vefilm trial for 2 months

Money spending :

• £50 on garden plants and hose bits
• £14 on pumps and slippers
• £9 for a hair crayon to cover roots between dyeing

All next week is training at work, as well as getting my normal work done, I expect some overtime again! I also said i'd go to Zumba/Boogie bounce with a friend - which i'm equally dreading and looking forward too at the same time.. :T:eek:

xx

shala_moo

Hi all,

How is everyone? the weather has turned here now so it back to thunderous rain storms and black clouds every day so the tumble dryer has been put to some use again!

Jealous of those who have managed to get away for a bit of sun but the gardens are looking great with all the free watering! (see I found the silver lining!)


Money saving this week

• £77.40 interest on regular saver came through
• free doughnuts at work for helping a different dept out
• free cadburys crème egg from work
• water bill came in £5.48 under budget
• cheap fathers day pressie got - just some diabetic chocolate and a card for under a £5

Money spending

• Zumba £3.50 - don't like being in a class so I've moved some furniture round and dug out my old Zumba xbox game - sill get to do zumba but it's free and I don't have to feel self conscious :j
• bought a new vacuum, ours is rubbish and broke so I treated myself to a robot vacuum lazy I know but vacuuming is the one cause of arguments in the house. £169 :eek: (justified it as we don't have a cleaner anymore..:whistle:)
• 2 cake tins from H0bbycraft - £25 - needed as someone has asked for a size that I don't have.. only helping out at the last minute because their usual person hasn't got time.. wish i'd not bothered!

Healthwise

• went to exercise classes this week - not for me
• still keeping up with my exercising:j
• still not reaching the 100 mile target for the month (15 miles to go with 3 days left)
• some naughty food, see above Money saving
• having healthy tea tonight - plaice with walnut/spinach/feta salad

All the best xx