Its days are numbered ...

unhappy_shopper

DawnW wrote: »

Must do spreadsheets tonight - this MAY be the month I become mortgage-neutral, ie, savings equal to, or exceeding mortgage balance :j

Congrats on being mortgage-neutral and also paying off your CC.

2wildthing2

Hi Dawn,

We had the same problem with contents and buildings insurance, was with AXA but our premium had increased to £332 so I did a comparison using go comp**e and we have moved to co-op who are charging £190 for the smae level of cover.

DawnW

unhappy_shopper wrote: »

Congrats on being mortgage-neutral and also paying off your CC.

Hmm, not sure if we are quite there yet . No chance to ring mortgage co today as work was manic. CC gets paid off every month (just use it for regular spends, fuel, groceries etc, to get extra nectar points).

Also haven't recalculated savings yet - will do this in a minute, and update :j

DawnW

QB_Wolf wrote: »

I like the mortgage neutral concept, I'll start tracking savings against the mortgage too, makes it a little more palatable.

Yes, I would recommend it - very motivating I find

DawnW

Mortgage Neutral Calculations

Right, I have updated savings for this month, and we currently have £19,244.05.

Last month's mortgage balance was £19,983.00

Of course, I need to update this, which involves a usually lengthy call within office hours to C&G's call centre, which I haven't had time to do

I don't think I will be quite there yet though

But by this time next month, savings will definitely have exceeded what is owed

gallygirl

Great stuff missus, well done :j

DawnW

Still haven't had time to get a mortgage balance update

Must try to do it tomorrow

The 2 missing ebay parcels have turned up :mad: I received a letter from Royal Mail yesterday, stating that there was a parcel awaiting collection at the enquiry office, and it had been there since 14 June. When OH went to pick it up, there were actually 2 parcels, the missing ebay items. They were unable to explain why a card had not been left, nor why they could not help when I went into the office to enquire about them when they first went missing. I have emailed the sellers to ask what they want me to do - pay them for the items again (they refunded) or send them back. I would like to keep them - otherwise I wouldn't have ordered them. And they are both very nice. However, having given them so much trouble, I really have to give the sellers the choice

Boring supper tonight, sausages (posh ones though) a few oven chips that needed using up, and baked beans. A bit different from another poster who wrote about sea bass with a lovely HM sauce

Still, a few more bits out of the freezer I suppose

Fish tomorrow, as I have loads of HG veg to use - potaotes, broad beans, mangetout and now courgettes as well. Not bad considering our veg plot consists of a small raised bed and some pots

And it will be Wednesday - the week is going quite fast, for a change

misscousinitt

DawnW wrote: »

Boring supper tonight, sausages (posh ones though) a few oven chips that needed using up, and baked beans. A bit different from another poster who wrote about sea bass with a lovely HM sauce

I don't find sausages boring - especially posh ones!

DawnW

misscousinitt wrote: »

I don't find sausages boring - especially posh ones!

They sounded pretty boring compared to the sea bass :rotfl:

DawnW

Still haven't had a minute to update mortgage balance

OH got his pension statement today, and it appears he will get a lump sum which will more than pay off the mortgage, at the end of September, without even taking into consideration our existing savings :j

I still don't really 'believe' it

And £700 + per month pension :T :j:j:A

So, after that, I could leave nightmare job, if I got desperate, and just get something part time

Sounds really priviledged and in lots of ways we are. But we have worked really hard, and been really frugal (no choice till recently tbh) and saved, for 40 years this month :eek:

We will see - we are having a restructure again at work, but unusually, rather than people being made redundant, so many people have just resigned, we are actually short staffed :rotfl:

They are very, very bright young people with valuable skills who are leaving, and a real loss to the organisation but, with virtually no prospects for promotion, pay freezes for x number of years, and no real certainty that the organisation will even exist beyond the next round of cuts, who can blame them for finding new jobs, going abroad, and /or going back to study for higher degrees - I would, like a shot, if I were their age :T:T

Anyway, I am still a bit cynical 'believe it when I see it' describes me :rotfl:

Anyway, supper tonight was trout caught by OH, and HG potatoes, broad beans, mangetout and courgettes Only butter, half a lemon and a handful of capers to pay for, apart from gas for cooking of course.

Right, now have to go and stand outside in the rain and water the pots as they are really dry. Neighbours will really think I have lost it this time :rotfl:

As you can see, I am not abandoning the MFW habits any time soon