Quick Sunday update with further progress: I have two bids on my Ebay items; used up rubber spuds from the bottom of fridge for lunch; saved pork fat to go on top of dog's dinner tonight; wrapped two Ebay parcels (using recycled packaging); listed more baby clothes on Ebay; took out a free 30 day trial with L*veF*im via Quidco...£18 cashback; went shopping (only needed brekkie cereal) and bought a huge 700gms box of Kellog's Cornflakes for £2; dried washing on airers (heating has been on most of the day - it's very cold and I can't be stingy with the heating having a baby) and last but not least completed Uni assignment. Not exactly money saving but should lead to a decent job when completed in 2 years.
Right, I am off to make tea and then bath and put my babes to bed. Night night all. x x
Failure isn't a known word to me - O/P: £110/20'000:T 7/52 :j Mortgage was: £182'500...Mortgage is: £160'673
"Let me tell you something. This is my playpen, and I get the last word." Judge Judy
So much has changed in the last 24 hours – Me and OH are calling it a day – joint decision.
However I refuse to give up on my goal of being mortgage free and moving to the better schooling village for my little one.
Our house that has a joint mortgage on, I can’t really stay in. I can’t afford the £988 monthly repayments and as we only have £10’000 equity there is no point in selling up. So Ex O/H is giving me half the equity and I will rent. Much as things haven’t gone as I had hoped…I will continue to save up (on top of the equity when I eventually get it) for a deposit for my own place and a couple of years down the line I shall purchase myself a nice little property.
So if nobody minds I shall stay with my MFW Diary…just change my goals. I need the motivation even more so as a single mum…but I refuse not to succeed…it may take me a while, but I will get there!
MFW all the way. X x
Failure isn't a known word to me - O/P: £110/20'000:T 7/52 :j Mortgage was: £182'500...Mortgage is: £160'673
"Let me tell you something. This is my playpen, and I get the last word." Judge Judy
Right onwards and upwards...can't let a long overdue relationship split get me down.
Yesterday and today's progress so far includes:
*William Hill tracked on my Qu*dco account. Spend £10 on a bet...£20 back through cashback. Had a bet on Christopher Maloney being the next evictee on Xfactor...was sadly not to be but still a tenner up.
*Requested comission cheque from catalogue (£14.47.)
*Listed old Iphone on Ebay.
*25p on OneP0ll
*Joined Onep0ll Plus...first survey in for £1.25.
*Made leftover soup with chicken carcass and leftover veg.
*Started using up suncream as daytime moisturiser. The SPF factor is always the most important ingredient of any facial moisturiser imo.
*Took little one out for a walk, wrapped up well and kept pushing that pushchair for nearly an hour. Great free exercise.
Today's plan...
*Wait in for Xmas pressie delivery from Argos. HATE Xmas shop queues...so I buy most in October and get the last bits online. Also went through "Quidc0" for the cashback.
*Sort through and seperate all paperwork...mine and his. Bin what's not needed and ensure all the vitals are in one place (passport, mortgage papaers etc.)Long, boring, not a nice task but gotta be done.
*Join Tomb0la bingo via Quidco...£10 to pay, £20 cashback.
*Tidy kitchen.
*Continue on with degree work.
*Start wrapping prezzies.
Hopefully I will have more to add later...have a productive Tuesday folks. x x
Failure isn't a known word to me - O/P: £110/20'000:T 7/52 :j Mortgage was: £182'500...Mortgage is: £160'673
"Let me tell you something. This is my playpen, and I get the last word." Judge Judy
Bless you, shesloaded. Im so glad you've decided to carry on your MFW plan despite such a huge change. Im sure with such a positive attitude you'll do really well.
Good luck
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"
Wow... a roller coaster diary and you're only on the first page. A good distraction/focus for you though. I'll look forward to reading about your efforts to save for a deposit in your new life chapter. x
MFW: Nov 2008 £156k, Jun 2015 £129k, Jun 2017 £114k.
Thanks all...your kind words are much appreciated. x x
Well, OH has decided to apologise...grovel...and make a super duper effort to behave himself. So the mortgage overpayments are back on...as is the original plan...£20'000 in two years. Very ambitious but gotta keep trying.
Today's progress:
*On Saturday night via Qu1dco I joined William Hill (bet £10 to get £20 cashback) and believe it or not...that cashback went into my bank account today. How quick is that? Very impressive.
*Have an Asda order coming tomorrow (2 weeks of shopping and the last bit of my xmas gift shopping...coming in at £120. Just trimmed it down to £100...by menu planning, dropping down a brand on certain products and just getting rid of any treats. We will get plenty of those Christmas week.)
*30p OnePoll
*Made £10.50 on Ebay
*Withdrew £15 from Paypal account into our mortgage OP fund.
*An hours brisk walk, free exercise and a free cuppa at Aunties house and a good chat putting the world to rights.
*Auntie had bought LO a DVD and a new dress...just as a treat.
*Payday tomorrow...whoop whoop!
Failure isn't a known word to me - O/P: £110/20'000:T 7/52 :j Mortgage was: £182'500...Mortgage is: £160'673
"Let me tell you something. This is my playpen, and I get the last word." Judge Judy
Replies
Right, I am off to make tea and then bath and put my babes to bed. Night night all. x x
7/52 :j
Mortgage was: £182'500...Mortgage is: £160'673
"Let me tell you something. This is my playpen, and I get the last word." Judge Judy
However I refuse to give up on my goal of being mortgage free and moving to the better schooling village for my little one.
Our house that has a joint mortgage on, I can’t really stay in. I can’t afford the £988 monthly repayments and as we only have £10’000 equity there is no point in selling up. So Ex O/H is giving me half the equity and I will rent. Much as things haven’t gone as I had hoped…I will continue to save up (on top of the equity when I eventually get it) for a deposit for my own place and a couple of years down the line I shall purchase myself a nice little property.
So if nobody minds I shall stay with my MFW Diary…just change my goals. I need the motivation even more so as a single mum…but I refuse not to succeed…it may take me a while, but I will get there!
MFW all the way. X x
7/52 :j
Mortgage was: £182'500...Mortgage is: £160'673
"Let me tell you something. This is my playpen, and I get the last word." Judge Judy
Yesterday and today's progress so far includes:
*William Hill tracked on my Qu*dco account. Spend £10 on a bet...£20 back through cashback. Had a bet on Christopher Maloney being the next evictee on Xfactor...was sadly not to be but still a tenner up.
*Requested comission cheque from catalogue (£14.47.)
*Listed old Iphone on Ebay.
*25p on OneP0ll
*Joined Onep0ll Plus...first survey in for £1.25.
*Made leftover soup with chicken carcass and leftover veg.
*Started using up suncream as daytime moisturiser. The SPF factor is always the most important ingredient of any facial moisturiser imo.
*Took little one out for a walk, wrapped up well and kept pushing that pushchair for nearly an hour. Great free exercise.
Today's plan...
*Wait in for Xmas pressie delivery from Argos. HATE Xmas shop queues...so I buy most in October and get the last bits online. Also went through "Quidc0" for the cashback.
*Sort through and seperate all paperwork...mine and his. Bin what's not needed and ensure all the vitals are in one place (passport, mortgage papaers etc.)Long, boring, not a nice task but gotta be done.
*Join Tomb0la bingo via Quidco...£10 to pay, £20 cashback.
*Tidy kitchen.
*Continue on with degree work.
*Start wrapping prezzies.
Hopefully I will have more to add later...have a productive Tuesday folks. x x
7/52 :j
Mortgage was: £182'500...Mortgage is: £160'673
"Let me tell you something. This is my playpen, and I get the last word." Judge Judy
Good luck
2014 GOAL HIT 5 Stone! 2016 GOAL to be a MF marathon runner.
"A goal without a plan is just a wish"
You may still have time to join MFiT and you can use this for OPing or saving.
Good luck on your journey.
Tilly
2011 £309k 10 years - MF March 2021.
Achieved Goal: 28/08/15 :j
Well, OH has decided to apologise...grovel...and make a super duper effort to behave himself. So the mortgage overpayments are back on...as is the original plan...£20'000 in two years. Very ambitious but gotta keep trying.
Today's progress:
*On Saturday night via Qu1dco I joined William Hill (bet £10 to get £20 cashback) and believe it or not...that cashback went into my bank account today. How quick is that? Very impressive.
*Have an Asda order coming tomorrow (2 weeks of shopping and the last bit of my xmas gift shopping...coming in at £120. Just trimmed it down to £100...by menu planning, dropping down a brand on certain products and just getting rid of any treats. We will get plenty of those Christmas week.)
*30p OnePoll
*Made £10.50 on Ebay
*Withdrew £15 from Paypal account into our mortgage OP fund.
*An hours brisk walk, free exercise and a free cuppa at Aunties house and a good chat putting the world to rights.
*Auntie had bought LO a DVD and a new dress...just as a treat.
*Payday tomorrow...whoop whoop!
7/52 :j
Mortgage was: £182'500...Mortgage is: £160'673
"Let me tell you something. This is my playpen, and I get the last word." Judge Judy