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Mrs M's Mortgage Free Journey

edited 7 December 2012 at 11:39AM in Mortgage-free wannabe
76 replies 9.4K views


  • Mrs_Money_PennyMrs_Money_Penny Forumite
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    Gosh haven't been on for a month. Didn't manage to keep the food shopping down in January. Went on a diet and am spending more than normal. On the plus side have lost half a stone!
    De cluttering up to 20 items.
    Have put an offer on a lovely house, just need to sell mums now.hopefully it will all work out.
    £44752.79/savings £40892.30
  • Well done on your half a stone and good luck with the house
    Mortgage value was £135,000 now £43,218
    TCB total £1200
  • Mrs_Money_PennyMrs_Money_Penny Forumite
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    Wow it's been so long since I have been on. The house move is still on going there have been times when I thought it wouldn't happen. Would be more disappointed for Mum. At the moment it is all at the solicitors. Due to it taking so long mortgage offer is out of date so need to redo On Tuesday. Further down the chain someone. Pulled Out but another buyer has been found.Hopefully it will all turn good.

    I have been busy decorating ours ready to rent out. Decorating is long over due. Halls,stairs and landing done looking nice and fresh. Now moving onto the living room.

    Have cut down food spends massively by shopping at lidl or Aldi. Go there first and anything not brought I then go to MrS.
    Been saving hard and saving money for. A few items. We will need in the new house beds, wardrobes etc.
    Weight loss going well have lost 2 stone now. Healthy options are becoming a way of life. Do have the occasional treats though.
    Have a lovely long weekend my paint brush beckons miserable weather outside anyway.
    £44752.79/savings £40892.30
  • savingwannabesavingwannabe Forumite
    16.6K Posts
    Part of the Furniture 10,000 Posts
    Mrs Moneypenny are you the lovely lady I knew from MSE year's ago?

    I am a nut but a nice one. You have thanked a post on my thread in the savings forum and I just looked at your thread and I like it v much.

    I hope it is you. We loved you v much it was such a long time ago so many people have gone since then. I am going to add a subscription as you seem v nice and positive and will inspire me. :j:D:D:D:D:D:D:D

    (trying not to sound like a stalker).....:rotfl:
    Aiming for a minimal spend 2022
  • Mrs_Money_PennyMrs_Money_Penny Forumite
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    Wow I have been away for so long but so much has happened in that time.
    We moved into the house with the Annex in August 14. It was lovely having Mum so close seeing her each day. Sadly just after we moved in Mum found a lump in her stomach and it was a tumour which was womb cancer which had spread to the stomach. She had 2 lots of chemotherapy in the March but unfortunately it was too advanced and the cancer had kept spreading. She decided that as she felt so ill with the chemotherapy she would stop it. Sadly she died in the September. So really she didn't have much time to enjoy the house but it was a godsend that we had moved and I was able to care for her through all of this whilst working.

    The week Mum died I was diagnosed with breast cancer so I was under treatment for the whole of the next year. After chemotherapy and radiotherapy I returned to work last October. Having been through so much it made me re-evaluate everything and I left work the end of June to work for my Son. We are lucky to work from home.
    I am trying to save enough money to pay off our mortgage when our 5 year fixed rate ends in August 19. I need to save about £20k from now until then.It might be manageable but will be tight and I won't have any savings after I've paid it off. So savings would be a priority after that. We do need to spend quite a bit on updating the house we are painting one room at the moment. That is not too bad have brought all the paint just need to buy new flooring. Our other house is still rented out with the same tenants who want to stay for another year.
    Currently on a little break for a few days staying with my daughter. Nice and cheap only small supermarket spends and a cheap meal in Wetherspoon on Sunday. Back home tonight.
    Will not leave it so long before I write again.
    Savingwannabe thank you for the kind words.
    £44752.79/savings £40892.30
  • have had a really bumpy couple of years...I'm so sorry to hear about your mum and your health issues...
    I know how you feel about the need to revaluate in life when things happen...I look forward to sharing some more positive adventures with you xx
    Original mortgage £154,850 (2013)
    Mortgage now £148,370.15:beer:

    Original savings £0 (2013)
    Savings now £3000 in ISA and premium bonds
    £60 in mini savings pot, £600 in Xmas vouchers
  • Wow, what a few years you have had. We are trying to move to buy with my mum, as she needs more support, your story is the reminder I needed of why we are doing it.

    Good luck with your plans x
    £400,000 starting Jan 2020 current end date Aug 2041 I would love the end date to be 2027 but will aim first for 2037.
    1% target £4000 so far £20 paid
  • Mrs_Money_PennyMrs_Money_Penny Forumite
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    Hi Sleepgirl & Iamsalt Yes the last couple of years has not been easy. Don't regret moving with Mum just wish we could of had longer than a year together all of us. My Mum had no health issues before we moved she was very active always gardening and doing a lot of walking. Things change rapidly when they happen. It wasn't an option before as we needed my husbands lump sum to afford such a large property even with my Mum selling her house. Go for it Iamsalt and enjoy the time with your Mum. Do you have a diary ?
    A cheap day today £3.28 spent on shampoo, milk & bananas.
    Two loads of washing done and dried outside before the wet weather arrived.
    Meeting a friend tomorrow for lunch meet her once a month at the garden centre so will choose something healthy & cheap.
    Hope everyone had a good day.
    £44752.79/savings £40892.30
  • Mrs_Money_PennyMrs_Money_Penny Forumite
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    Hope everyone is having a lovely weekend.
    Friday lunch out with a friend not too spendy £10.68 for coffee and lovely farmhouse salad with ham and new potatoes. £4.55 spent in Sainsbury's on bread salad & sweet potatoes.
    Friday lunch out with sister in laws £20 each train £5.80 but cheaper than driving and paying parking fee. No stress. £3 on chocolates in M&S for secret santa & £10 on socks for my son in primark.
    Saturday £18.58 in Sainsbury's which included a Swiss roll which I turned into a trifle I had all the other ingredients should last for desert for 3 days. Very pleased. They always want a desert my lot. I know a lot of friends don't do them. Both myself and my husband always had desert at home so we've always done it. £67.50 spent on fuel but did have double points.
    Today just £1 on milk.
    Will need some fresh bits tomorrow so planning on going to Aldi.
    Been to the gym this morning so feeling better than I have lately cheered me up. Doesn't normally have that effect. Must try to go tomorrow or definitely Tuesday.
    Have a good evening everyone.
    £44752.79/savings £40892.30
  • Mrs_Money_PennyMrs_Money_Penny Forumite
    1.1K Posts
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Hi Everyone
    Happy New Year to you all. Not been on for a few months. Had a coup,e of nice weeks away and then started a new job. So that's put paid to the travelling.
    This year I am determined that thus will be the last full year we have our mortgage. The fixed rate ends September 19 so I hope to pay it off at that point. It will mean I will have no savings at all so after that so will need to save like mad after. Hate having no savings.
    Made the annual 10% overpayment yesterday which brings the mortgage down to £48828.05.
    Planning on saving my wages each month. See how that goes. Saved last months so off to a good start.
    Just been decluttering the fridge have made meals for the next two days. Will make a quiche to have Saturday so only a small grocery spend this week.
    Had a horrible day off yesterday one of my two cats who are 16 years old died of cancer. He was diagnosed just before Christmas and I made an appointment at the vets yesterday as he had declined so much. He made the decision for us as he was having trouble breathing and was unconscious in the vets and passed away with us there. So sad miss him terribly. So nit a good start for the coming year by a long way.
    Getting ready to go to work soon horrible and windy outside.
    Will endeavour to post more.
    £44752.79/savings £40892.30
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