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Mortgage freedom..Shala_moo's attempt at a diary..
Comments
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            Hi Shala, I've not been around for a while but hopefully I'm now back.
You've made me start buying my Christmas presents.
Hey, hope you're well xx
 i'd say sorry about the xmas presents but i'm not.. :rotfl:I like to see people getting organised!STOP IT! Lalalalallal *hands over ears* I can't hear you! :rotfl::rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl:
Get to them shops BM, you're making me panic for you!!
 what if the shops run out of presents before you get there :eek:                        Mortgage amount at 31/12/2011 £166,050 now £0 as at Sept 21 - 15yrs 4 months early.0 - 
            Oh, I know I will regret it when I am crushed by the raging stampede of people buying on the last weekend before Christmas!

May have to do the old money in a card present?!:o
Usually I am super organised - maybe my OH is rubbing off on me!
However, I have sorted out one more present for my younger sister.
So just 13 to go now.
:xmassmile:xmassmile:xmassmile:xmassmile:xmassmile:xmassmile:xmassmile:xmassmile:xmassmile:xmassmile:xmassmile:xmassmile:xmassmileM3 Dec2015 #160 Target £150,000 (BU £155000)0 - 
            Generally in my family they tell each other what they want or at least give options. Now I need them to tell me what so I know what to budget for.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 20360 - 
            Amaz0n wish lists are the way forward in our family!!
I'd recommend having one, you can now put anything on your wish list from any internet site too.
I go shopping for a few surprises, I hate shopping though, but most items are bought through the wish list! At least I know people want the items I buy
5 days till the :xmastree: goes up :jMortgage amount at 31/12/2011 £166,050 now £0 as at Sept 21 - 15yrs 4 months early.0 - 
            I use the Wish List throughout the year so I don't forget whatI'd like. I'm trying to get others to use it.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 20360 - 
            Just lost my post :mad: I hate it when that happens!!
Hope everyone is well x
Money shuffling done this morning as OH has been paid :T- massive credit card amount paid off :eek: mainly car insurance and dentist though!
 - £150 towards Dad debt
 - £300 into savings
 - the rest I've left to pay for Xmas! :j
 
 it's mainly been money spending!
- £15 B0dy Sh0p - voucher again - mainly xmas presents this time though
 - £6 Thort0ns - had a £10 voucher to get some stocking fillers with, went over a bit 

 - £38 food shop
 - £19 on extra xmas decorations :santa2:
 - £24 on a Christmas cardigan - needed (kind of) for xmas buffet at work and xmas buffet at home
 - £22 on Domino's - no excuse, was at a funeral and wake all day so decided to treat ourselves
 
It's Christmas tree day tomorrow in our house :xmastree:Mr Snowman, Ginger and new Mr Santa are already on their shelves so i'm part way done already :rotfl:We're off to H0mebase tomorrow to get some double glazing film for the windows upstairs, i'm sure they have a lot of lovely xmas decorations too
:rotfl:may have to slip some more in the basket!
Happy Christmas Tree day if I don't manage to get on tomorrow.
:xmastree::xmastree::xmastree::xmastree::xmastree::xmastree::xmastree::xmastree::xmastree::xmastree:Mortgage amount at 31/12/2011 £166,050 now £0 as at Sept 21 - 15yrs 4 months early.0 - 
            Well what a busy week, sorry I haven't been around!! Must catch up on everyone's diary in a bit...
It's been my busy week for me, few hours overtime clocked up again..
Other money savings :- Dental plan have sent my first cheque - £49 will bank on Monday and then put in savings
 - £5 Hal1fax reward, £8.04 NW interest moved to savings
 - £50 youg0v payout :j now starting from 45p again 
:rotfl: - migraine today meant I couldn't go xmas shopping - that's saving isn't it :rotfl:
 - free trial pack of cereal from a survey
 - free lunch/breakfast at work again
 - off work on Monday - £5 saving on petrol
 
- £20 on xmas presents ordered online (couldn't get it off Amaz0n with my vouchers as they didn't have the right size)
 - £25 on takeaway tonight - no excuse 
 - need to stop this takeaway habit we seem to have started! 
I've already put the foil behind all the radiators and filmed one of the windows. I think we can feel a bit of a difference already but it may just be all in the mind!! Lets see if it makes a difference to the bills!!
Have a good weekend xxMortgage amount at 31/12/2011 £166,050 now £0 as at Sept 21 - 15yrs 4 months early.0 - 
            This is my list of lists to make today...

- meal plan for the week done
 - shopping list with xmas bits in done
 - xmas eve buffet list - done half
 - booze list - done present bit, OH will deal with the rest
 - xmas presents still to get shopping list (some of it is booze above)done
 - xmas dinner list
 
- order shopping - done
 - order free mag subscription - present - done, stupid thing will send a letter to the recipient before xmas, ruining the gift:mad:
 - film the rest of the windows - done, got bored after 3 windows 

 - sit under a snuggly blanket with hot chocolate and watch xmas movie - done, Home Alone, hot choc with Thorntons choc liquer :drool:
 
Mortgage amount at 31/12/2011 £166,050 now £0 as at Sept 21 - 15yrs 4 months early.0 - 
            Random quick question, if anyone can help. Can I buy some sort of posh pate that will last and not need to be put in the fridge? I'd like to put some in the hampers but as i'm not a pate eater I have no idea how you buy it
 or how long it lasts!
Did you buy pate?
I thought of you yesterday when I was in Lidl - they have 6 little jars of pate in a box (in their deluxe range) for £3.49.
Linky thing hereMortgage at highest (April 2008): ~£195,000
Mortgage-free: January 2021
Retired: June 2022 (186 months early!)0 - 
            Thanks MWC, I haven't bought any yet, but they'd be ideal! It means I can put one in a few of the hampers then Oh can have some pate for his Christmas treat too.
He loves pate but it's not something we have in the house as I don't eat it and he wouldn't eat a whole pack to himself! These look like the ideal size.. :TMortgage amount at 31/12/2011 £166,050 now £0 as at Sept 21 - 15yrs 4 months early.0 
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