Mortgage free by 50!!!!

sleepygirl126

Just a quick one....updated my signature for 2015....first OP of £70 made! Off to blitz the house now and get ready for friends coming....happy new year everyone!!!

sleepygirl126

Well what a fab evening we had last night....all you can eat round the world buffet, fairground rides, winter wonderland and an amazing firework display!! Great fun had by all and a lovely catch up with friends.
Popped to Mr T as we had run out of dog food...put my first £4 on my saving stamps card for Xmas food shopping 2015 too!!

sleepygirl126

No mse news particularly....had 9 eggs left that needed using up...made spanish tortilla with potatoes and peas....was bloody lovely!!
Enough for lunch tomorrow for me too with some salad...
Did a basic food shop as I have a freezer full and stockpile of basics too...came to £19.98 and should be enough for a week..
Still loving orange is the new black on netflix and watched mrs browns boys last night too.....DS and I couldn't breathe for laughing! We are going to be TV addicts this month to save some cash..LOL!

sleepygirl126

So I was doing quite well and had some spare money to overpay...then DS came home with requests for £36 from school!!! I'm sure my mum used to give me 50p for school dinners etc!! He is going on his big year 6 trip away this year so hence the big monthly money requests from school...it'll be worth it, a real taste of independence for them.

So although I haven't OP'd anything else I have a running total of £70 so far and I still haven't done a supermarket shop...I have bought bread, milk, fruit and veggies locally but nothing else...I think we'll be ok until end of next week which is great....I've been using up the batch cooked meals too...we had chilli con carne/veggie curry with rice and naan bread tonight and it was lovely.

So the dog is walked, dinner is eaten, I have 5 things in my ironing basket and then I am going to put my feet up and watch junk tv to my hearts content....Celeb BB anyone???

sleepygirl126

Oh my goodness! It's been so long!!
So....I ended up buying the whole business as my partner wanted to leave! I have absolutely no savings left but it was the right decision! I have 20 sub contractors and a full time member of staff now! I'm still not quite up to my old salary that I earned with a job but I'm getting there!! We're growing every month and I'm thrilled!
I've scraped together the money for a week in the sun in August with DS and friends....it's the first time I've been able to leave things properly for a year so it's v exciting! Nearly at the £5k mark with overpayments off the mortgage too!
I'm enjoying reading all the diaries and seeing everyone do so well!

sleepygirl126

Gosh maths obviously isn't my strong point !! I've paid nearly £4k off the mortgage not £5k!! Doh!!
So I've got plenty of food here, just need some fresh and some petrol - got £85 til payday on 30th June and another £60 back up if I need it!
I've overpaid £70 this month and am hoping to squeeze another few pounds off...my penny jar is looking really full so I may need to empty that and bank it!

sleepygirl126

Gosh it's been so long since I posted!!!

So here is an update...I haven't been very MSE in the last year because we had a once in a lifetime holiday to Florida whilst DS still wants to be seen with me! It was amazing but was £7000 all in all including spending: it was worth every penny though!

But I'm back on the MSE trail...still overpaying my interest only mortgage ...it's down to £148,763 now and Ive cleared all but one debt...my ClearScore rating has gone up and I'm hoping to be back on top form by next year! I've got an emergency fund of £2.5k which I'm adding to and I saved for Florida so there was no additional debt!
I've overpaid my mortgage by £250 this month and Ive got cash left, DS is all kitted out for school, I've just paid for January's school trip and Christmas is paid for too! I have £600 of vouchers due to me at the end of October!

I'm so proud that I'm in very little debt and that things are looking up...I'll be able to increase my overpayments in January too..I'm currently paying £600 off a month ..the payment due is £375 and I've been Tilly tidying too!

sleepygirl126

Totally pinched this idea off NewGirly but it helps to have things to look forward too...

September 2017...tea at the Ritz for my mums big birthday £124

October 2017 outdoor cinema for one of my DS favourite films £10 (already paid)

October 2017 trip to theme park in half term £100

November 2017 Steps concert with the girls £42 (already paid)

December 2017 Xmas do £75 including hotel stay

January 2018 my annual house party £50 buffet, everyone brings their own booze

February 2018 theatre show with the girls £46

August 2018 cruise with DS £2000 (already paid £250)

sleepygirl126

Really tired today after a busy day at work but managed to collect a payment for some extra consultancy work...£100 extra in my premium bonds as a result...I'm saving for a log burner and a new kitchen...also in the middle of having some work done to the garage...it's all go!!

sleepygirl126

Did some batch cooking yesterday after work (home made soups and chilli con carne) the soups work out as 17p a portion so they're really economical. I needed some more storage containers so I walked to Sainsbury with the dog (1 hour each way) ...the containers were on offer too so I had them for £5...so that's 4 soups and 4 chillis in the freezer.
We had really tough times 6 years ago hence why I got in a pickle and I have a mortal fear of not being able to feed us! We never ran out of food but we ate a lot of egg beans and chips! So...now I always keep 60 meals in the freezer and 8 shelves of extra food like tins in my home office...my friends think I'm nuts but it's my comfort blanket and makes me feel safe!!
I always put stuff in the food bank when I go shopping too...it must be heartbreaking to see your kids with insufficient food...
I'm confident we would be able to survive a financial blip now as I have enough savings to help us out if needs be...it makes me all the more determined to get rid of the mortgage and we never have to worry again!!