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Diary of a home owner wannabe (my 6 year journey)

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  • Phew - housework all done and it's only 3pm. That's my weekend started :j Hoping for a NSD today - first one of the month.

    End of the first week of Feb and a total weekly spend of £345 - a third of that was on programming fees for DS, £56 for Autotrader advert (hoping to have a couple of viewings tomorrow), £86 on food, £25 on petrol, £28 on me and £20 on school lunches.

    Off to London for a couple of days on Sunday for my birthday treat. I told DH I didn't need anything but would like to go away. He's booked the theatre to see Spamalot using the vouchers my mum gave us that we couldn't use last year because the show we wanted to see was cancelled. I have asked that the kids pay for me and DH to have a meal rather than buying me stuff so I'm hoping it should be a fairly cheap event. Looking forward to going to some museums and the Tate Modern which is where me and DH had our first date :D

    Daily food budget £8.42

    Happy Friday everyone

    PFTP x
    Goal:to save £16,000 by 30/09/2019 claw back rental costs
    May18 -£2,954.33/£16,000
  • QB_Wolf
    QB_Wolf Posts: 722 Forumite
    Pretty cool place for a first date. Have a great time in London.
    Start Date 16/09/2015
    Original amount outstanding = 225,000 Current amount outstanding =199,812
    Original LTV = 64% Current LTV = 49%
    Original Pay Off Date = Sep' 36 New Pay Off date = Sep' 36
    Original Dly Int = 17.17 New Dly Int = 17.17 Total OP = £1319.31
  • Happy Birthday, Penny! :bdaycake:

    Tate Modern! :smileyhea That is indeed a great first date. Have a fun time! :D
    a penny picker upper. MFW approx 78% to go | FIRE 3 years worth (30% savings rate: now aiming for 40%!) | Normality is a paved road; it's comfortable to walk, but no flowers grow on it | Whatever you're meant to do, do it now. The conditions are always impossible | The only thing you absolutely have to know, is the location of the library
  • QB_Wolf wrote: »
    Pretty cool place for a first date. Have a great time in London.

    Aww thanks QB Wolf - Second date was getting very drunk in a pub:rotfl:

    PFTP x
    Goal:to save £16,000 by 30/09/2019 claw back rental costs
    May18 -£2,954.33/£16,000
  • Happy Birthday, Penny! :bdaycake:

    Tate Modern! :smileyhea That is indeed a great first date. Have a fun time! :D

    Thanks Pearla*Merle - will do. A success story from internet dating ;)

    PFTP x
    Goal:to save £16,000 by 30/09/2019 claw back rental costs
    May18 -£2,954.33/£16,000
  • Very quick update. Didn't quite manage a NSD yesterday due to a swift half (or 6) at the local without having eaten resulting in a major hangover :eek:

    Good news is - we've just sold the Jeep :j - deposit handed over and it is being picked up next friday.

    Unfortunately the money is all allocated :( so nothing to go into the savings pot. I need to put the kids budget back in the black, put some more money into the holiday budget having booked an expensive holiday when I was feeling fed up, pay of a rather large tax bill and get DSS2s car fixed so that it is roadworthy. But at least I have the money to do all that. I may shove a couple of hundred pounds into the savings if I can.

    Have a good weekend every one

    PFTP x
    Goal:to save £16,000 by 30/09/2019 claw back rental costs
    May18 -£2,954.33/£16,000
  • Its nice to have the money to be able to replenish savings etc

    Happy birthday! Hope you have a fab time in London (very frugally it sounds too!)
    MFW 16 No 33
    2016 OP Paid/Target 2063/£2063 (100%) COMPLETE
    Mortgage Free - Apr 2016 -DONE!:j
  • Hope you had a great birthday and a brill trip to London...

    MCI
    Mortgage Free x 1 03.11.2012 - House rented out Feb 2016
    Mortgage No 2: £82, 595.61 (31.08.2019)
    OP's to Date £8500

    Renovation Fund:£511.39;
    Nectar Points Balance: approx £30 (31.08.2019)
  • Thank you all for the birthday wishes - I had a lovely time in London, fairly on budget - though you have to get a small mortgage out just to have a coffee or a glass of wine :eek:

    We had a great time though. I think we walked the length of London - mainly down the paths of Regents Canal (didn't get on the tube once) We stayed in a hotel near to where we think we would like to live in Shoreditch - which is buzzing with the Hoxton creatives. Great community, though we need to get in quick as the house prices are definitely on the up. We were so lucky with the weather - didn't get rained on once and the sun even shone for a lot of the day on my birthday. Walked down memory lane at the Tate, had a wonderful meal (not cheap) and really enjoyed Spamalot at the theatre. We even managed to squeeze in a trip to the cinema. Have come back thoroughly exhausted to 5 loads of washing and a sick child in bed.

    I'm finding it very difficult to get back into the everyday drudge - it's amazing how quickly you get out of a daily habit. Have lots to do today - starting with reconciling my budgets with the money we spent :eek:

    PFTP x
    Goal:to save £16,000 by 30/09/2019 claw back rental costs
    May18 -£2,954.33/£16,000
  • Woke up to a lovely home made card - and a poem, chocolates and roses. What a lovely DH I have. From me he got a very heart felt letter and a card. If I'm honest I don't go in for Valentines day - I do love romance but not when it is prescribed to a specific day. I'm lucky that DH is a romantic soul anyway ;)

    Today I held £4800 smackeroonies in my hand - the most I have ever had in cash. The people who bought the jeep came round to take it away and paid cash for it. Was straight up the bank - and only slightly miffed that it's allocated and I can't blitz just a little bit of it. Thinking of getting a MCds for tea to celebrate :D I have put £1000 into the business as a directors loan to tide DH over until we get some money in - so if I'm lucky I may get it back and that will go straight into the savings.

    I should have an additional £230 which is the rebate I get for cancelling the insurance, unfortunately £180 of that needs to go to the counselor's bill for the month. Oh well £50 out of £5000 is not to be sneezed at :rotfl:

    Daily food budget stands at £8.63 - that won't stretch too far with half term next week :eek:

    House work all done for the weekend so looking forward to relaxing - though I do appear to have a lot of taxiing to do.

    Enjoy the weekend MSErs

    PFTP x
    Goal:to save £16,000 by 30/09/2019 claw back rental costs
    May18 -£2,954.33/£16,000
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