Natty's Kicking her Mortgage in the Pants Diary

Tilly_MFW_in_6_YRS

muddywhitechicken wrote: »

The girls look very festive

Happy Christmas to you, Tilly x

unhappy_shopper

Merry Christmas, NP
:xmassign:

Calfuray

Merry Christmas NP. Hope you come back more over the hols

Cal x

edinburgher

A very merry Christmas season to you and yours NP (see, that's the polite way of saying I was too lazy to post on the day).

nattypants

Good morning Diary, and thank you to everyone who stopped by with Christmas wishes.
Doobop - if you're still reading, please don't lurk. You are one of 'us':D

I have been thinking long and hard about my introductoryafterspellofabsence post, and as my brain capacity doesn't have enough clever cells, I will just word-vomit it all out instead:D

As any regular (or if you're GG, irregular readers will know, any mention of MOPs are very few and far between on my diary. In fact, I think it fair to say that my diary really should have been located on a board of it's own, with it's own board guide, and an auto-spam button. However, 2014 is set to change all of this dear reader as nattypants has returned with a vengeance (is this how vengeance is spelt? It really doesn't look right??) anyway, I have two scenarios complete with subplots, and possibly even film rights...

Scenario 1

Make a 10% MOP at some point during January (date to be determined), thereafter annual 10% MOPs. At the same time, I will save like I have never saved before (which should be fairly easy, as I have never saved before) and become mortgage neutral early 2020 (reference to GG's date post)
Subplot 1
This can only be achieved through very careful planning, and perhaps mastering the art of pooping out cash

Scenario 2

Maintain my finger in the air/back of a fag packet approach to my finances, and continue working until the age of 90.
Subplot 2
Change my username

Now, although I am the world's worst Mop-er, I have managed to reduce my expenditure during 2013 as follows (cue cheesy reflective music);
*read newspapers online
*subscribed to free magazines on iPad via library
*cancelled gym membership
*switched mortgage to much better rate
*reduced gas/electricity consumption
* almost exclusively shop at a1di, with a bit of l1dl thrown in for good measure
*switched life and critical illness cover
*cancelled dental plan (complete and utter rip off)
*stopped habitual buying of wine
(I'm fairly certain there are other savings, however I worked out with mortgage/utilities/insurance/dental plan alone, I am £250 a month better off!)

I will update my signature with accurate mortgage/savings figures in the new year. Until then, adios amigos and thank you for reading my word-vomit MWAH X

PS writing this on the iPad and the type on screen is teeny-tiny so perhaps lots of spelling/grammatical errors:o

gallygirl

nattypants wrote: »

At the same time, I will save like I have never saved before (which should be fairly easy, as I have never saved before)

:rotfl::rotfl::rotfl:Love it Natty :rotfl::rotfl::rotfl:

Can't wait till you make your first MOP :T

muddywhitechicken

Excellent plan Natty - good luck

nattypants

muddywhitechicken wrote: »

Excellent plan Natty - good luck

Scenario 2?

edinburgher

Damn, slipped on the word vomit :rotfl:

£250/mth is good walking around money (and what is your reflective theme music?)

muddywhitechicken

nattypants wrote: »

Scenario 2?

Nope, Scenario 1 - I'll race you to 2020!