SF's road to mortgage freedom!

beanielou

Duh!!!!!!!!

slowlyfading

We're having a lazy Sunday, as in not going anywhere today! it's really windy here today, and it keeps raining on and off, so it's made me not want to go anywhere.

We're having cottage pie for tea topped with sweet potato mash, peas and gravy. Proper winter comfort food. I'll need to go food shopping tomorrow as we're running low on pretty much everything. That reminds me, need to make a list!

Not much else to report. Loved the extra hour in bed this morning

slowlyfading

I've been food shopping this morning, and spent just under £40, which includes some stocking up of the freezer. Not too bad, although I have noticed our food spending has creeping up lately. Not because we're buying more, I don't think? But due to things going up in price.

I've also put £3.03 as a TT into the Emergency Fund. The accounts are looking nice and tidy

slowlyfading

Last day of the month! Can't believe it's November tomorrow :eek:

I'm going shopping today - I'm hoping to get a couple of Christmas presents and I desperately need some new work shoes. I've also got a £10 Fat Face voucher to spend, which doesn't go far in there :rotfl: but we'll see. I'm banned by DH for using it on another scarf so will probably end up putting it towards a t-shirt or jumper.

As lots of DDs going out tomorrow, I'll balance the books tomorrow afternoon. I think our mortgage may dip under £114,000 which is exciting, but then the interest will be added so it may not stay there for long!

I might treat myself to some sushi for lunch whilst I'm out... mmm... :drool:

slowlyfading

So, update day! As predicted, our mortgage did dip below the £114,00 mark - it went to £113,997.91 :rotfl: but then the interest was added, so it's back up. Our daily interest on the mortgage is now £10.36 so that's going down, which is good

I've made a small OP of £19.18 to make our mortgage a nice round number and paid the interest for today!

Not much else to report really, having another relaxing day today

slowlyfading

I've been pondering today about our various different savings "pots" and what are our very short term/short term/long term things.

Some of the things we're saving for at the moment include:

• a new vacuum - our one was a house warming gift when we moved in together 4 years ago, and it's a pretty cheap model. I'd quite like to get a Dy$on eventually, an animal hair one too. This is a very short term aim I think, as our vacuum is slowly dying a very noisy death. Aim - £300
• A new bathroom - our bathroom is a horrible, rushed job and was not thought through at all when first put in. It's a small bathroom with no storage, yet the biggest sink and toilet known the man. We'd strip the walls, put in a new suite and look at various space saving options. This is a short term aim for us. Aim - £3,000
• A new car - we have one car in our house hold, which is a 3-door, small car. We want to eventually upgrade to a 5-door car, which is either new or nearly-new. This is a longer term aim for us. Aim - £6,000
• New carpets upstairs - our entire upstairs needs new carpets really, but they will do for now. Whenever we get round to decorating upstairs, which is mainly stripping wallpaper and then painting, we're going to put in new carpets. This is a long term aim. Aim - £1,000

This list isn't complete in terms of what we are aiming to save for, but the others are very long term, so I haven't included them for now. That list includes moving fees for our "forever" home, baby fund savings, nursery furniture and other related stuff, new dining table and various others. The list seems to be never ending!

The aspect I'm struggling with seems to be a balance between obsessing about money, and being okay with our current situation, which is better than okay. Any ideas on how to do this...?

I've had a NSD today, the first of the month :j and we've had homemade fish, chips and mushy peas for tea, followed by some leftover halloween chocolate. Not a bad Friday tea!

Sparkles87

How long do you plan to be in this place before looking for your forever home? I'm just wondering if the bathroom and carpets are livable then you could just do a quick cheap job before you move out? Cheap cream carpets throughout and a basic bathroom suite would cost a lot less

edinburgher

I don't think that having short, medium and long term goals makes you obsessive. In fact, I'd argue that it's very healthy and that the people who need to worry are those who *haven't* thought these through.

You say you have a great life - what's wrong about wanting to make it even better through some judicious saving and OPing?

We're all money nerds here in some form or another, be proud of it :beer:

Ps. Animal hair Dysons are absolutely fantastic. We bought one 2.5 years ago and it's exactly the same as day 1. Great investment in quality, no parts to replace.

Tinytott

Just a quick note on your Dyson aspirations. I buy from a guy locally who refurbishes trade in Dysons. Apart from the motor, they are pretty indestructable. I got one which was £300 new, but I paid £90. It looked brand new and has worked really well.

Tiny

slowlyfading

Sparkles87 wrote: »

How long do you plan to be in this place before looking for your forever home? I'm just wondering if the bathroom and carpets are livable then you could just do a quick cheap job before you move out? Cheap cream carpets throughout and a basic bathroom suite would cost a lot less

Maybe 5 years? Hopefully no longer than that! The bathroom would probably be livable for this long, providing the toilet doesn't go on the blink but I think we'd need new carpets, especially upstairs before that. It's given me something to ponder though, so thank you!

edinburgher wrote: »

I don't think that having short, medium and long term goals makes you obsessive. In fact, I'd argue that it's very healthy and that the people who need to worry are those who *haven't* thought these through.

Thanks for that

You say you have a great life - what's wrong about wanting to make it even better through some judicious saving and OPing?

We're all money nerds here in some form or another, be proud of it :beer:

Yes! And proud of it, most of the time

Ps. Animal hair Dysons are absolutely fantastic. We bought one 2.5 years ago and it's exactly the same as day 1. Great investment in quality, no parts to replace.

I thought they might be.... however, see below!

Tinytott wrote: »

Just a quick note on your Dyson aspirations. I buy from a guy locally who refurbishes trade in Dysons. Apart from the motor, they are pretty indestructable. I got one which was £300 new, but I paid £90. It looked brand new and has worked really well.

That's something to keep in mind for the future - thanks for that!


Today has ended up being quite a spendy day. Last night I was trying to hoover downstairs, as I've been putting it off but it does desperately need it. I'd only been going 2 minutes when there was a bang, a horrible smell and the hoover stopped. Nothing I could do to get it back on, and I've tried this evening when I got back but it looks like it's gone ka-put.

So, DH has looked online, and we've ended up ordering a Henry hoover, for £89.99 on @mazon. So, cheaper than the D$son and I'm hoping it'll last longer. It should arrive by the weekend and we can get our house looking slightly more tidy.

So, not what we'd planned really, but probably more MSE in the meantime...!