The march to financial freedom

Ali-OK · 23 June 2015 at 9:06PM

liltdiddylilt wrote: »

Hey you

Just checking in. You've been very busy but glad to see everything going in the right direction. We have both got appointments tomorrow morning. Mines luckily close to home, but work juggling is never good on a part time contract :eek:

Keep up the good work. Much love. Enjoy your mini merry go round, and the furniture... which sounds lovely. Am jealous! xxx

:wave:

We have indeed got appointments tomorrow - hope you sorted work out ok on that one, but all those extra hours you do, sure they owe you some time out

I LOVE the garden furniture - it's actually comfortable, that's a first :rotfl: and the dogs get a seat each to curl up in too :rotfl:

Ali-OK · 23 June 2015 at 9:15PM

stepuptothepl8 wrote: »

What about splitting the spare? 1/3 to savings, 1/3 to mortgage, 1/3 to pension.. Or whatever. They won't grow as quickly but they will all still grow.. You're doing really well

That was the plan, slightly gone astray due to garden works and now extension possibilities :eek:

Think it's more like hit a round number/milestone with the mortgage, put £200 in ISA which is to go to the pension pot when it's move company time and erm, save then spend the rest in quick succession on these projects

Not quite what I had in mind - though the work being done is once in a lifetime stuff, so I see it as investment rather than a waste of money.

The lounge - which desperately needs new sofas and carpet - I am putting off until DS has at least gone to Uni and I can use the room myself :rotfl:

There's always something!

stepuptothepl8 · 23 June 2015 at 9:19PM

I know that feeling.. We're trying to refurb our late Georgian/early Victorian house, and there seem to be no cheap jobs :eek: we desperately need 3 new (bay) windows... Can't decide whether to bite the bullet and go for new sashes, or just to refurb. The sensible choice is new, (we aren't listed) but that's likely to be £££. Ah well!

Brogden · 23 June 2015 at 9:42PM

Ali-OK wrote: »

I like that Broggers - might rename my spreadsheet 'Allocation of 'Ackers' :rotfl: It's still called 'Budget 2006' :rotfl: with an awful lot of spreadsheets..least I can look back a long way and compare annual bills. And I do...:o....frequently...:rotfl:

'Debt Tracker 2013' ought to be renamed 'Mortgage Millstone' as that's all there is in there now :T

INOD Why's it so bloomin' hard to work out where to send the 'spare' each month? I'm reading too much on the MFW as 'mortgage neutral' has a pull...I can't get back my OPs with the current set up.

However, I like the fact I'll never have to find that extra bit I send ever again..once gone, gone for good Plus it won't reduce interest and savings accounts won't beat my 3.69% rate.

So it's full circle back to OPing. Ah well, Broggers you're right - it gives the brain a workout

:beer:

Ali - you don't want to get your OP's back really do ya?

'Mortgage Neutral?'.....somebody showing off a bit isn't it? Not for sensible folk

!!

Nobody more sensible than Ali by the way, even if she's attracted by 'MN'

!!!

Broggers x

in_need_of_direction · 23 June 2015 at 10:07PM

My mortgage rate is 0.66% and I can get 2.75% on my isa. I'm afraid that if I save, I will spend so oping is the only guarantee

Ali-OK · 23 June 2015 at 10:58PM

in_need_of_direction wrote: »

I'm afraid that if I save, I will spend so oping is the only guarantee

This is a bit me, but am mostly stopped by the insecurity of SE and fear of work drying up and the business overheads. Which is kinda good too - keeps me focussed.

So perhaps?I'm about as balanced as I'm going to be - spend a bit, save a bit, OP a bit.

Broggers - No intention of wanting the OPs back, it's just one of those last resort security nets if all goes belly up

I'll keep on doing what I'm doing - please pull me up if I start heading into a mad place...I've a feeling the extension could take me there if I don't plan properly.

Guess what my new spreadsheet is all about :rotfl: 'Extension Savings' :rotfl:. Starts slowly in the autumn, then gains momentum next Spring - I have to sub the business in April for the final car payment, though my bank are doing a 3.9% loan deal up to 7 years and the offer keeps staring at me during online bank checks :eek:

Bedtime..I wonder if I dream about money :rotfl: :rotfl:

Ali-OK · 23 June 2015 at 11:18PM

stepuptothepl8 wrote: »

I know that feeling.. We're trying to refurb our late Georgian/early Victorian house, and there seem to be no cheap jobs :eek: we desperately need 3 new (bay) windows... Can't decide whether to bite the bullet and go for new sashes, or just to refurb. The sensible choice is new, (we aren't listed) but that's likely to be £££. Ah well!

You too! :rotfl: It's clearly a shared phenomenon and we're in good company on here

.

I like bouncing around should I, shouldn't I and writing thoughts and plans - there's few people in my life that will challenge me - they think I know what I'm doing and doing it well :rotfl::rotfl:

Walking before I run aka save before I spend is the motto I live to...except the really big stuff. And therein lies another question - should the big stuff be saved for too? Do I just follow the accepted practise of loans for those things?

Ahh...brain buzzing again now :rotfl:

Ali-OK · 24 June 2015 at 9:48PM

Evening Diary

It's good news from the Chest Clinic - nothing amiss from the lung function tests so no COPD, though something on the x-ray suggested otherwise so I'll be monitored. Huge relief for now and need to see GP in @ 10 days, so appointment to be made there.

Not such good news was waking up with a visual migraine, no idea what is going on - that's 2 in 2 days after a good spell without any

Celebrated by painting the remaining run of fence panels :rotfl: in glorious sunshine after work and enjoyed our dinner of sausages, mash and veg in the garden. That's what summer is all about :j

Cycled 9km/5 miles on the exercise bike as well.

Financials:
- bank account checked
- freepostcodelottery checked
- Inbox Pounds - up at £15.04
- Qmee - picked up a bit more, pot at 23p
- Change bucket has £10 in 50p's to be banked
- Credit received from the returned swimming cossie

Think that's all the news here, housey jobs seem to be piling up again and it'll be food shop tomorrow evening. Two busy work days coming up, possibly Saturday too.

Hope everyone's had a good Hump Day