I have a dream...to be a money magnet!

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  • Jevvers
    Jevvers Posts: 648 Forumite
    First Anniversary Combo Breaker First Post
    Hello Miss MM, I just read your whole diary and wanted to say well done on all your achievements. Very inspiring!
    Mortgage 1: £243,034 0.99%, i/o, ends May 2026 MFW date 20 Aug 2020
    Mortgage 2: [STRIKE]£166,966[/STRIKE] £159,066 0.99%, repaymt, ends Oct 2033
    Total: £402,100
  • Have just phoned up for mortgage balance and its £112,160. Then I started playing with the overpayment calculator and feel v. Inspired!
    If I could get my monthly ops up to £400 PCM it'd be paid off in 9 years...( can't do this currently but still... Nice thought!).
    Racking brain to think how I can scrape the £160 to get me down below £112000!!!
    "Never underestimate the power of small amounts"
    New Mortgage started March 17 £236,000 (28 years) NOW £231,500 March 3 18. 68% LTV. £221,100 Aug 19 £210,000 Jan 2020 £206000 April 2020 £204000 May £202,997, Aug 20 £199,554, Dec 20 £196,629 June 21 £185,200
  • And thanks Ixia and Jeevers for kind comments and encouragement x
    "Never underestimate the power of small amounts"
    New Mortgage started March 17 £236,000 (28 years) NOW £231,500 March 3 18. 68% LTV. £221,100 Aug 19 £210,000 Jan 2020 £206000 April 2020 £204000 May £202,997, Aug 20 £199,554, Dec 20 £196,629 June 21 £185,200
  • Quite pleased with myself... Bit of food shopping but was very disciplined...then made myself walk into town to the cheap card shop and got 7 cards for £1 (and couldn't resist a money tin for £1 coins and one for Christmas money but only £1 each). If I'd bought from Tesco It could have easily cost me £14 for 7 cards.
    Once I start watching the pennies it always amazes me how much further I can stretch them...but then things get hectic and it all goes a bit pear shaped!
    So far, doing ok and think if I keep it up I can get to pay day in the black!!!
    "Never underestimate the power of small amounts"
    New Mortgage started March 17 £236,000 (28 years) NOW £231,500 March 3 18. 68% LTV. £221,100 Aug 19 £210,000 Jan 2020 £206000 April 2020 £204000 May £202,997, Aug 20 £199,554, Dec 20 £196,629 June 21 £185,200
  • Cheap day planned. Lovin the sunshine! Need to pop round and drop friends birthday preside off and have a catch up.

    Have hung washing out and have stuff in for food. Need petrol though...
    "Never underestimate the power of small amounts"
    New Mortgage started March 17 £236,000 (28 years) NOW £231,500 March 3 18. 68% LTV. £221,100 Aug 19 £210,000 Jan 2020 £206000 April 2020 £204000 May £202,997, Aug 20 £199,554, Dec 20 £196,629 June 21 £185,200
  • Had an extremely productive day yesterday...don't know what came over me!

    Reorganised garage, took junk to tip, mowed both lawns, and cleaned my car.... Phew!

    Today...really need to start sorting spare room. Partner moved in recently and we need to clear his old house and try to get it rented out so I am trying to make room to accommodate his stuff!!!!

    Im going to phone Co op to ask about a mortgage statement. I can't remember having one at all and I've been with them well over a year now.
    "Never underestimate the power of small amounts"
    New Mortgage started March 17 £236,000 (28 years) NOW £231,500 March 3 18. 68% LTV. £221,100 Aug 19 £210,000 Jan 2020 £206000 April 2020 £204000 May £202,997, Aug 20 £199,554, Dec 20 £196,629 June 21 £185,200
  • ixia
    ixia Posts: 1,338 Forumite
    Sounds like your on a roll!!!

    I'm sure you will have the spare room sorted in no time :)
  • Thanks Ixia... Getting there slowly!
    On the bright side, turned out something I was hoping to get a bit of scrap money for is selling for £150-£300 on eBay! My eagle eyed friend spotted it and looked it up. Just need to figure out how it works with delivery etc cos its extremely heavy!

    Today we're going to visit my friend in her new house, already bought card and gift so hoping for a no spend day!

    Got food in for week...so aiming for a few cheap days now.
    "Never underestimate the power of small amounts"
    New Mortgage started March 17 £236,000 (28 years) NOW £231,500 March 3 18. 68% LTV. £221,100 Aug 19 £210,000 Jan 2020 £206000 April 2020 £204000 May £202,997, Aug 20 £199,554, Dec 20 £196,629 June 21 £185,200
  • Hello,

    I have bought batches of those 7 cards for£1 and they are great. Nicer than many of the more expensive ones. I used to try to save by making them myself but as I am not particularly artistic they looked pretty rubbishy so these are a great alternative. Really begrudge paying £2.99 for a not specially nice card when I get pushed for time.

    Squirrel:j
    Paid off mortgage nine years early in 2013. Now picking and choosing our work to fit in with the rest of our lives!
    Still thrifty though, after all these years:D
  • Thanks for popping in squirrel...

    I have realised that most of my wasted money is from lack of planning! I am trying to look a month ahead for birthdays etc so I can stick within budget instead of panic buying.

    I have found doing one shop a week at A*di has helped me reduce spending, and trying just pop elsewhere for the branded stuff occasionally, plus there's less temptation.
    This month I've started a new account for food, so it's separate to my general account. I think this will be helpful because then Im more aware of what I really spend on food, and when I look at the other account I get a truer picture. We'll see!
    A cheap day planned...popping over my sisters, then having my niece to stay tonight. I haven't spent much at all this week. I think I am going to run out of money before payday but am going to get a little bit of cash out of my savings fund to stay in the black. I want to be in credit on payday so I start the month straight, then I can actually try get back on track. My paper budget now balances...so we shall see! I've reset all my automatic saving pot payments for payday.
    "Never underestimate the power of small amounts"
    New Mortgage started March 17 £236,000 (28 years) NOW £231,500 March 3 18. 68% LTV. £221,100 Aug 19 £210,000 Jan 2020 £206000 April 2020 £204000 May £202,997, Aug 20 £199,554, Dec 20 £196,629 June 21 £185,200
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