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

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  • Fortune_Smiles
    Fortune_Smiles Posts: 5,133 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Love, love, love the car - so sweet!


    Fortune x
  • Saved £15k? Really? I thought I could justify spends but that impresses me.
    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.
  • shala_moo
    shala_moo Posts: 3,272 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Thanks Fortune...:D


    INOD - :rotfl: anything to make me feel better about how much i'm paying out. My point though, was that the things I'm buying are tangible so to me they are worth paying out for rather than a holiday.. just my personal point of view though(and I don't really like holidays :eek:)


    Have changed my signature - popped the garden savings excess into the car fund so I now only have to find just over £4k - goal is to pay for it before the end of the year.
    Mortgage amount at 31/12/2011 £166,050 now £0 as at Sept 21 - 15yrs 4 months early.


  • HelenDaveKids
    HelenDaveKids Posts: 3,177 Forumite
    Part of the Furniture Combo Breaker Mortgage-free Glee!
    Fab car shala, even more impressed with 15k saving..
    Morgage till Nov 30 GOAL MFW Sept 2016
    Aug 11 - £100k Aug 2016.... It's GONE!!!!!
    2014 GOAL HIT 5 Stone! 2016 GOAL to be a MF marathon runner.
    "A goal without a plan is just a wish"
  • Goldiegirl
    Goldiegirl Posts: 8,806 Forumite
    Part of the Furniture 1,000 Posts Rampant Recycler Hung up my suit!
    Lovely car, looks like a car with personality!
    Early retired - 18th December 2014
    If your dreams don't scare you, they're not big enough
  • shala_moo
    shala_moo Posts: 3,272 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Evening all.. what a lovely weekend, so glad the weather turned nice after all that rain!

    Well we've been tazzing and tootling around (we don't "drive" anymore:D) in the new car.. it's fab, I'm very grateful that I had the opportunity to get it now. It had some free petrol in it, so our travelling so far hasn't cost me anything :rotfl:will fill up in a few days and see how long it lasts me.

    Back on track after my splurges though so -

    Grocery budget update for May - managed to spend less in the month but we are still a little overspent YTD.

    Monthly spend for May £187/£230
    Year to date spend £1291/£3000


    Also took meter readings today - we're on track with those so shouldn't be any surprises with the next bill.

    Off to make dinner xx
    Mortgage amount at 31/12/2011 £166,050 now £0 as at Sept 21 - 15yrs 4 months early.


  • shala_moo
    shala_moo Posts: 3,272 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Morning all... very wet day today, the thunder woke me up this morning it was so loud :eek:


    The MSE in me is happy it's raining as the new turf in the garden needs a lot of water apparently to encourage it to "knit well" (landscapers term not mine!), we had bought a sprinkler and had it on for an hour one of the days :eek: but it was painful watching it knowing I was paying for all the water :rotfl:at least the rain is free :j:j


    Nothing much to report money wise unfortunately. I think I will spend the day updating my spreadsheets and checking my recipe books (or Pinterest) for some new, interesting recipes. Bit fed up of the same old food everyday and that's when we start resorting to take-out :o


    ohhh hang on I did a 77p Tillytidy yesterday - there's some money news :D


    Hope everyones ok, keep yourselves dry xx
    Mortgage amount at 31/12/2011 £166,050 now £0 as at Sept 21 - 15yrs 4 months early.


  • shala_moo
    shala_moo Posts: 3,272 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Evening all.. thought i'd visit whilst the football is on *yawn*!!


    I've mostly been outside this evening re-planting my plants into the new garden. It's looking a bit bare so i'll have to get some bedding plants I think to fill it a bit :D


    So money savings this week
    • £10.10 received from Panelb*se surveys - put to car loan
    • 31p won on the lottery - put to car loan (I'm going to have this paid off in no time! :rotfl:)
    • free netfl*x trial and xbox live trial obtained so I can watch Orange is The New Black (season 2) - although I think it's made OH to want to join properly..:( it would be £112 a year! :eek:
    • yet to fill up with petrol so my car has lasted me 11 days so far on £40 (and one of those days I was stuck in traffic for an hour!)
    I'm off work tomorrow :j and need to get a few things sorted so i'm leaving myself a to-do list as a reminder
    • watch the last few episodes of Charmed - can then sell the box set
    • meal plan healthy meals for a few weeks
    • clean the house
    • put a wash on
    • change pet insurance DD (i'm simplifying my bank acs a bit)
    • put the washing line back up in the garden
    • replant strawberry plants (they're in tiny pots)
    • research garden furniture (OH will be paying :j)
    • trim the front bush :p:rotfl:
    • research some nice planters for the blueberry bushes
    Night xx
    Mortgage amount at 31/12/2011 £166,050 now £0 as at Sept 21 - 15yrs 4 months early.


  • shala_moo
    shala_moo Posts: 3,272 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    edited 14 June 2014 at 4:09PM
    shala_moo wrote: »
    I'm off work tomorrow :j and need to get a few things sorted so i'm leaving myself a to-do list as a reminder
    • watch the last few episodes of Charmed - can then sell the box set - done
    • meal plan healthy meals for a few weeks - half done
    • clean the house - done
    • put a wash on - done 2 washes
    • change pet insurance DD (i'm simplifying my bank acs a bit) - done
    • put the washing line back up in the garden
    • replant strawberry plants (they're in tiny pots) - done
    • research garden furniture (OH will be paying :j) - done
    • trim the front bush :p:rotfl:- done
    • research some nice planters for the blueberry bushes - done
    Done half of my list - the easy ones anyway! now done most of it - hurrah!


    I was having a really nice day off until dinnertime.


    I managed to break a spatula whilst I was stirring some pasta and my hand got dunked in the boiling water :( it hurt a bit but I think the shock really knocked me.. I couldn't stop crying for like 10 minutes! :eek:


    I've had my hand in an ice compress so it's feeling better now but I shan't be doing that again! :p


    Off to do some catching up whilst surprise, surprise the football's on again! :rotfl:


    xx
    Mortgage amount at 31/12/2011 £166,050 now £0 as at Sept 21 - 15yrs 4 months early.


  • OUCH!

    Hope the ice does the trick s_m

    MWCx
    Mortgage at highest (April 2008): ~£195,000
    Mortgage-free: January 2021
    Retired: June 2022 (186 months early!)
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