Mortgage Free in Three Yrs

TrikerAndBiker

Dithering_Dad wrote: »

Could everyone check that I've got their genders correct on the Original Post - some of your MSE identities are a bit androgynous, so i had a bit of a guess!

Do people mind if we all start using avatars? (these are the pictures next to peoples messages) - it makes the thread look a bit more jolly and is good for quickly "identifying" people in a long message stream - as long as they keep the same avatar!

You got us right DD, we are a 'their' :rotfl:

Well I'm the one who usually writes on here and I'm the biker (and yep, I look just like my avatar!) and I'm the female of the couple. He opted for three wheels (blames it on his disability but I reckon he's just too chicken to go back to 2 wheels after his little suzuki deposited him on the tarmac )

Oh and the garden is now one big hole waiting on concrete blocks for the footings, if I had my way it'd be a swimming puddle!

Ah well, back to work I guess. Advice for anyone wanting to change their career, make sure its not an office job based in a porta cabin, oh my goodness its like a flippin sauna in here today :cool:

hypno06

I have started the month with £15.62 from matched betting. Not much I know but it all goes off the total owing!

Hope everyone else has had a good start to the month.

AnW'sMum

Way to go hypno that is a great start. I have not had the courage to try matched betting yet, need time without other distractions to read and digest it all.

minimoocow

Miss_Penny_Pincher wrote: »

Happy Birthday Kaz!


Also minimoo and megamoo Congratulations on letting your house and the payrise! I was wondering what your planned monthly spending of £1,400 includes? Does it include bills, food, leisure etc and also the basic mortgage payments? I thought it might be an idea for us all to have spending targets - may help keep us to similar to how they do on DFW.

[/B]!

Hello all!

Update will follow when I've added it all up - just a note to reply to the above:

The £1,400 includes all "regular" spending by which I mean I don't include unexpected extras such as car/house maintainance etc, mainly because I also don't include savings and pensions. We put £100 a month aside as "spendable savings" if there is such a thing so these tend to come out of that.

As such it's not a true SOA but here it is:

Mortgage Interest 270
Gas/Elec 50
Landline/Broadband 44 (Reducing to £36 next month as they estimated it too high!)
C Tax 92
Mobile 40 (2 handsets - will look at reducing but tied in for another 6 months - was £25 a month for 1st 6)
Water Rates 16
TV Licence 11
Petrol 175 (We get back about half of this as expenses)
Food, toiletries, cleaning stuff etc. 240 (Could be less but short on time to shop around and am trying to eat better food - esp. meat! Oh and includes alcohol so saves on going out!!)
Life Ins 13
Home Ins 33
Cat Ins/vet bills 10 (This is actually Marriage Ins as if I didn't have it and anything happened to our dinky cat I know we'd end up arguing about what to do - megamoos is far too practical sometimes as in "yes we could get another cat for £50 but I want that one that's going to cost us £1000 to fix and then might still die"!)
Car Ins 43 (This is far too much and will be changing next month )
Van Ins 30
Extras 235 Balancing figure - includes, clothes, treats, hair cuts, presents etc,
Gym Membership 90 Includes 2 gym memberships and fencing club - £5 each per weekly coaching session (again trying to be more healthy! - hopefully will have more success in the MFiT challenge!)
DVD Rental 8

MMC

Lotta_Littlies

Whooo - this thread made it to the Moneytips email! I'd best put the kettle on :beer: :j :T

Lotta

ThankYouAndEnjoy!

Lotta_Littlies wrote:

Whooo - this thread made it to the Moneytips email!

ohhhh...richly deserved!!

I've only just subscribed to the moneytips e-mail .... any chance you could PM it to me?

Dithering_Dad

Here's a link to the MoneyTips Email archive that has today's email:

May 1st Money Tips Email


Woo! Go MFiT Team!

tigtag02

Lotta_Littlies wrote: »

Whooo - this thread made it to the Moneytips email! I'd best put the kettle on :beer: :j :T

Lotta

How cool is that

daleyd

Just a quickie to say my update won't be posted until the 15th or so, my payday is middle of month and MrsD on 23rd - I guess it will fill up the quiet period in the middle if nothing else!!

Good luck everyone, pip pip

DaleyD

Big cheer for us for making onto the hallowed e-mail!!:j

Little_Miss_Winner

YAY!!!! Your'e famous DD, Congrats!!
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