Go Lily Go - Paying off the mortgage

lilyp

PJ day at work was a success although I felt so sleepy wearing them. Now wearing them to bed which is probably a bit gross but I have been looking forward to this moment all day. I think we raised about £50 for CIN so worth the effort.

Gave BF my cc to buy dinner - not actually sure how much he spent. should probably check as need to transfer money from food tin to cc tin. I have a crazy tin system which BF thinks is hilarious but it works for me

Seem to have a bit of spare cash in my account so transferred £25 to the ISA taking it to £1025. We are talking about buying a sofa in January and that is one purchase I think should be new and not be too cheap. I think BF is very excited about being able to buy furniture in a shop rather than at the tip :rotfl:If anyone has any sofa buying tips would love to hear them.

lilyp

Me - when we buy a sofa you should take out a 0% cashback card and we can buy it on that. Then we will make money on the purchase.

BF - huh?

Well that way we make cash on the purchase, plus we keep the money saved for it in my ISA meaning that accumulates interest too.

BF - sounds fab. lets do that.

Getting through to him one MSE tip at a time :j

lilyp

Later on however...

BF - For some reason my Mum has deposited £1500 in my ISA but told me not to spend it.

Me - she shouldnt have but thats cool. Lets keep that as part of the emergency fund and then more of my savings can go on sofa and op the mortgage

BF - I am thinking of buying a moterbike. It will save us money.

Me - huh?

BF - Well it would cost less than half the fuel of the car to run.

Me - So it would finally pay for the cost of the bike in savings in 5 years time!

Sigh

lilyp

Another NSD for me.

BF went to Comet sale to look for a phone extension lead. Dont get me started on how much petrol it took to get to our nearest one and they didnt have one. So he bought himself a discounted PS3 for £120

Apparently he found some money from somewhere. :wall::wall::wall::wall::wall::wall::wall::wall::wall::wall::wall::wall::wall:

HelenDaveKids

Bless you. I think you may have some work to do!

MY DH is the same. I save and he stops off at b and q and spends +++ on some project or other. He does understand my tight ways though and is very tolerant. Esp when i get to a check out and drag out loads of vouchers or when Im in sell everything on ebay mode.

andrea_louise

lilyp wrote: »

Me - when we buy a sofa you should take out a 0% cashback card and we can buy it on that. Then we will make money on the purchase.

BF - huh?

Well that way we make cash on the purchase, plus we keep the money saved for it in my ISA meaning that accumulates interest too.

BF - sounds fab. lets do that.

Getting through to him one MSE tip at a time :j

Hi Lilyp,

I have really enjoyed reading your diary this morning -I can relate to it too, I am a MFW, but am doing it on my own, with a £250 overpayment each month. Mortgage now sub 23k.

Just a couple of things that I find helpful...

Quidco/topcashback :j for essentials gas, electric, BT, sky (ok not essential but desirable in this house, and it was a mse half price offer)

Ordered a 3 and 2 sofa from Laura Ashley in September 12 (quidco topcashback money has been put aside for 14 months, since the living room was decorated, so the sofa has not cost me a penny.) said sofa is getting delivered on 11 December. I went through quidco to buy it, and £166.60 :T has just gone into my bank account on Friday (which was the cash back from the sofas). That should cover the cushions, and nik naks to go with it. And £100 will be going into the granite work top fund. Am selling the old sofa to a friend for £150, :T so that will be going into the granite fund too.

Ps. You make me feel so guilty. I knew it was a free listing weekend this weekend, and was very despondent and didn't list anything.

Will call by in a few days to see if you can inspire me even more!

Andi-Lou

lilyp

HelenDaveKids wrote: »

Bless you. I think you may have some work to do!

MY DH is the same. I save and he stops off at b and q and spends +++ on some project or other. He does understand my tight ways though and is very tolerant. Esp when i get to a check out and drag out loads of vouchers or when Im in sell everything on ebay mode.

BF is also pretty tolerant about the conservatory being filled up with ebay junk. I think he is slowly coming around - he just needs to be reminded of the end goal on a daily basis. I quite like the idea of having another half who has B&Q projects - at least stuff gets done around the house

lilyp

Hi Andi-Lou

Thanks for your lovely comments. I didnt use Ebay this weekend either. I usually use free listing weekends to list the stuff I dont expect to sell as it costs nothing if it doesnt and usually half of it goes . But I was working all weekend and really long shifts so I was too shattered to do it.

I really need to look at Quidco. I know nothing about it. See im still such a newbie but learning all the time :j

lilyp

So last night I wrote BF a long letter explaining all my reasons for the money stuff. Tonight we sat and had a good chat and I think he is much more on board with it all. We had a look at his finances and worked out where the leaks are. We are also going to put £50 aside each, each month, for a holiday fund as he finds this really important.

Horrible start to work today. My boss was having a bad day and took it all out on me. Was feeling stupidly emotional anyway (PMT - sorry boys) and ended up sobbing in the staffroom at lunch. I then smoked so we didnt give up today and BF has a crappy day tomorrow so I reckon we wont stop then. Really really cross with myself for being so pathetic. It is the biggest killer of ourselves and our finances.

So a £10 spend in Sainsburys on fags and a bit of food then we snuggled on the sofa and watched Homeland. Nice night and glad BF is being more understanding.

lilyp

oh my days where has Quidco been all my life! :T