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Aspirations of Frugality and Fun on the Road to Mortgage Freedom

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  • jwil
    jwil Posts: 22,410 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hello :wave:

    Lovely to see you posting again. Grr to the car, mine's due at the end of the month :eek: I feel your pain.

    Well done on the decluttering/listing etc. You are doing really well and sounding very positive :D

    They are saying on the ebay board that there is a free listing weekend this weekend that you have to accept. Worth keeping an eye out.
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • Thank you All :D
    Haven't you gotten turbo charged all of a sudden. Wouldn't want to be in your way. You're doing really well.

    INOD - thank you but i need to harness the energy when i get it because the rest of the time - like much of today i am in an exhausted slump :o :rotfl::rotfl:
    greent wrote: »
    Ooh, what a lovely positive sounding post there :) xx


    Decluttering - a permanently on-going task here :( I try to apply the 'if I was moving house would I want to take this with me?' principle to things - if not then it's a definite go - although that tends to mean I end up with a huge ebay pile and then that becomes another task to do!! :D;)


    I need to remember offers come around time and time again!! :D:o


    Lovely to see you on here xx

    Aw thanks greent I *do* try and apply that tip with decluttering but with my vision of a much bigger and therefore spacious pad there will be a place for it all :rotfl::rotfl::rotfl: My main motivation is seeing the items as nice crisp notes - that i *need* now ;) I do also want us to have less here :) there is progress but its slow and also thorough :cool:
    jwil wrote: »
    Hello :wave:

    Lovely to see you posting again. Grr to the car, mine's due at the end of the month :eek: I feel your pain.

    Well done on the decluttering/listing etc. You are doing really well and sounding very positive :D

    They are saying on the ebay board that there is a free listing weekend this weekend that you have to accept. Worth keeping an eye out.

    The car was :mad::mad: jwil for many reasons - some the car, some personal but i won't go into it on here x

    Ta for the listings tip :)
    CC1:T £[STRIKE]2531[/STRIKE] £1460
    MORTGAGE OVERPAYMENTS: £10575.20 Target £12,100
    MF Date: [STRIKE]August 2042[/STRIKE] May 2035
    Declutter 1000 things by Xmas 2015! 53/1000
  • Well everyone today has been a day of highs and lows - i got a thanks but no thanks on 2 jobs i went for - 1 i interviewed for and the other i applied for.

    However i had some other lovely good news today - not work related but something thats clearly been at the back of my mind and i feel so much better that that has been sorted out to some extent now :j

    i have got 2 more jobs to apply for so will focus on that this weekend

    Tonight i'm being kind to myself eating my favourite food and enjoying a glass of wine :beer:

    I have alot of plans for next year bubbling away and i need to finish this year positively and then just get my head down and go for it next year. This will mean a lot of focus and organisation so please tell me off if you see me straying from the path of the frugal and mfw :naughty: 1 year of focus will make such a massive difference.

    Getting it out of my head and onto paper then i can chill with some tv before dragging my body back into work tomorrow early morning :eek:

    Plots and plans:

    Mortgage - get mortgage to under £100,000 this will mean paying off over £10,000 in additional payments

    Declutter - get the house organised by decluttering all items which are not needed / beautiful - this will rasie money towards the mortgage too. And make the house easier to clean and easier to live in :D

    Strict food shop budget, monitor it and cut it down - clear cupboards by using foods up and this should help keep shopping costs down :T

    Successfully complete year 1 of spanish and start year 2 :D

    Learn all chords for instrument and learn some new material :D

    3 weekends away and 2 longer holidays :) and lots of meals out / drinks / coffees - it'll have to be on a budget but time with friends is worth it :)

    write, write, write, its all coming together :)

    volunteer - to aid with MA ;)

    Successfully keep up to date with MA :D


    Complete major house jobs to include:- new bathroom - completely gutted and redone, new gutters and facia boards and down spouts, loft boarded and new insulation, new front gate, new windows and doors external, new doors internal, living room gutted and re-done, paving taken up and new paving put down. New shed.

    complete marathon

    ... and half marathon after better training :rotfl::rotfl::rotfl:

    That feels better on paper :) sure there'll be more but that'll do for now
    CC1:T £[STRIKE]2531[/STRIKE] £1460
    MORTGAGE OVERPAYMENTS: £10575.20 Target £12,100
    MF Date: [STRIKE]August 2042[/STRIKE] May 2035
    Declutter 1000 things by Xmas 2015! 53/1000
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    :wave: You *do* sound bouncy :j

    Erm, there'll be more? Are you planning to sleep? _pale_ Though I must say, I plan to do a lot of that myself :rotfl:

    Good luck!
    2023: the year I get to buy a car
  • What a list DDFW - exhausted just reading it! I know you can do it tho :) x
    Debt remaining: :(
    Mortgage - £117,759 (£134,600, Nov 2013)

    Work overpayment and home improvement loan paid back (£19200) :beer:


  • jwil
    jwil Posts: 22,410 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Love the plans!

    Yay for good news too :D

    Boo to job turn downs, but the right job will be out there for you, and it's all good practice until then.

    Good luck with it all :)
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • Thanks all - jwil yes i am going to see the setbacks as opportunities to learn :D

    Ok bad news first shall we?

    I slunk home today instead of attending my language class :eek: and i didn't go for a run :eek::eek::eek:

    A very exciting job opportunity has been advertised but i only spotted it today and the deadline is tomorrow :eek::eek::eek: It is also an application submission and not a CV - last 2.5 hours were well spent though i feel :) Really could not let this one go without trying for it. I leave the house at 6.50am and the deadline for the application is lunchtime so really had to get it done today :o I feel bad for missing my spanish :o:o:o but as it is a really fab opportunity *positive vibes* all please :)

    Further bad news was spending on food today - i just cannot seem to stop eating at the mo. :eek::eek::eek: Not very good MSE at all :naughty:

    The good though:-

    is the job is a fab opportunity and i have done my best for it :D

    I've also started another application as well deadline wednesday so keeping the mometum going there :T

    I cleared out some more bits yesterday getting some new items listed on the bay :) - ta for th tip jwil and a few things into the carboot stash :)

    Got some reward vouchers through the post :T

    Final xmas gifts decided upon :T

    Hope all are well x
    CC1:T £[STRIKE]2531[/STRIKE] £1460
    MORTGAGE OVERPAYMENTS: £10575.20 Target £12,100
    MF Date: [STRIKE]August 2042[/STRIKE] May 2035
    Declutter 1000 things by Xmas 2015! 53/1000
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Good luck with the new application! In it to win it, really - you can catch up on the Spanish if you want to stay with it, but a job you really fancy doesn't come along *that* often.

    Many positive vibes :):):)

    MSE stuff sounds great! I love hearing about that level :)
    2023: the year I get to buy a car
  • Good luck with the job application. Definitely more important than the Spanish class and you can't do everything.


    I have just started running again after a few months of doing nothing. It's tough motivating myself to go out in the dark and I am so slow. What sort of distances are you up to? Have you got a place in a marathon next year? I'll be really jealous if you got into London!
    Mortgage, draw down Sept 2014: £222,000

    Now: £173,229
  • You've all the time in the world to learn a language but the job application had a deadline. Def the right decision. Best of luck with it.
    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 11st 12lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge. I’m not perfect but I’m good enough for now.
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