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Making chicken feed of my mortgage

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Comments

  • muddywhitechicken
    muddywhitechicken Posts: 3,940 Forumite
    Tenth Anniversary 1,000 Posts Combo Breaker
    Not much to report today...

    Missed the rush hour traffic by leaving home early and doing a pilates class before work, tried to eat healthily, didn't spend any money.

    Baked, stuffed squash with leeks, gruyere & spelt for dinner using less oil, butter and cheese than the recipe :T and only eating 1 portion rather than 2!
    Mortgage at highest (April 2008): ~£195,000
    Mortgage-free: January 2021
    Retired: June 2022 (186 months early!)
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    muddywhitechicken wrote: »

    Baked, stuffed squash with leeks, gruyere & spelt for dinner using less oil, butter and cheese than the recipe :T and only eating 1 portion rather than 2!
    I always view the 'serves x' as an interesting little aside, rather like use-by dates, rather than something you actually pay attention to :o.
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
  • muddywhitechicken
    muddywhitechicken Posts: 3,940 Forumite
    Tenth Anniversary 1,000 Posts Combo Breaker
    It's pay day :j and today's the day I find out what my bonus and pay rise are... *fingers crossed*
    Mortgage at highest (April 2008): ~£195,000
    Mortgage-free: January 2021
    Retired: June 2022 (186 months early!)
  • muddywhitechicken
    muddywhitechicken Posts: 3,940 Forumite
    Tenth Anniversary 1,000 Posts Combo Breaker
    muddywhitechicken wrote: »
    It's pay day :j and today's the day I find out what my bonus and pay rise are... *fingers crossed*

    1.9% pay rise :(
    12% cash bonus :T
    3.5% LTI shares

    I've decided to waive my cash bonus and instead it will be paid as an Additional Contribution to my pension (thereby avoiding tax & NI) - I'm sure my future self will thank me!

    In other vaguely financial-related news, I'm currently at:

    89,600 points on consumer pulse
    £33.95 on onepoll
    1,140 points on e-rewards

    Happy weekend everyone :)
    Mortgage at highest (April 2008): ~£195,000
    Mortgage-free: January 2021
    Retired: June 2022 (186 months early!)
  • wishingthemortgaheaway
    wishingthemortgaheaway Posts: 2,536 Forumite
    1,000 Posts Second Anniversary
    Your future self will indeed thank you.
    Outstanding mortgage: £23,181 (December 19)
    MFW 2020 Challenge Member #10 0/£2318
  • muddywhitechicken
    muddywhitechicken Posts: 3,940 Forumite
    Tenth Anniversary 1,000 Posts Combo Breaker
    The Girls have finally laid enough eggs for a frittata :T so we had HFW's oven-roasted roots frittata with LO very old gruyere for dinner.

    Banking done - CC payment, transfer to regular saver and £500 MOP arranged - and e-mail sent to IFA to authorise transfer of funds from my OEIC to my S&S ISA (to maximise my ISA contribution allowance). Roll on March pay day... :rotfl:
    Mortgage at highest (April 2008): ~£195,000
    Mortgage-free: January 2021
    Retired: June 2022 (186 months early!)
  • apple_muncher
    apple_muncher Posts: 15,231 Forumite
    Part of the Furniture 10,000 Posts Mortgage-free Glee! Name Dropper
    You can weara very smug MMM face for your future self!
    NST March lion #8; NSD ; MFW9/3/23 Whoop Whoop!!!
  • muddywhitechicken
    muddywhitechicken Posts: 3,940 Forumite
    Tenth Anniversary 1,000 Posts Combo Breaker
    My 78 year old dad doesn't often talk about his finances; however, I wasn't too concerned as I was confident that my mum had sorted everything before she died. I was chatting to him this evening and it turns out that he's saving £650/month from his pension and he has £40,000+ cash savings :eek:
    Mortgage at highest (April 2008): ~£195,000
    Mortgage-free: January 2021
    Retired: June 2022 (186 months early!)
  • apple_muncher
    apple_muncher Posts: 15,231 Forumite
    Part of the Furniture 10,000 Posts Mortgage-free Glee! Name Dropper
    Well done him!
    NST March lion #8; NSD ; MFW9/3/23 Whoop Whoop!!!
  • muddywhitechicken
    muddywhitechicken Posts: 3,940 Forumite
    Tenth Anniversary 1,000 Posts Combo Breaker
    muddywhitechicken wrote: »
    ...sown 5 different types of tomato seed today.

    I have seedlings :j
    apple_muncher wrote: »
    Well done him!

    Yes, not too shabby for a retired sheet metal worker! Now I just need to get him to spend it on himself... but not on a new car...:eek:
    Mortgage at highest (April 2008): ~£195,000
    Mortgage-free: January 2021
    Retired: June 2022 (186 months early!)
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