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Aspirations of Frugality and Fun on the Road to Mortgage Freedom

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Comments

  • jwil
    jwil Posts: 22,425 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Grr to cars. My breakdown cover doesn't go up if I call out (you get a certain number per year) so maybe you ought to look to go with someone else. If you call out for the same issue and haven't fixed it though they will charge.

    With the no claims, you can have up to 18 months I think without being insured before you lose your no claims.
    "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
  • Watty1
    Watty1 Posts: 7,210 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Uck to car issues. Great on the decluttering tho. Finally have started decluttering own shoes!
    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    You're really working on things - its great! Did you get that half hour or so this morning to call your own, to work on your dreams?
    2023: the year I get to buy a car
  • DedicatedDFW
    DedicatedDFW Posts: 4,234 Forumite
    jwil wrote: »
    Grr to cars. My breakdown cover doesn't go up if I call out (you get a certain number per year) so maybe you ought to look to go with someone else. If you call out for the same issue and haven't fixed it though they will charge.

    With the no claims, you can have up to 18 months I think without being insured before you lose your no claims.

    Thanks for the info. jwil - my Mr is unmoveable on the one car between us though so unless this car is economically irreparable then i will just need to keep plodding on. I also have family who rely on me for the car too. Posting this has just made me realise the pressures from other areas alot of us live with alot of the time. Hmm...

    I can't afford another reasonable car so we will see what the repair bill brings :(

    Hope your car is ok too 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
  • DedicatedDFW
    DedicatedDFW Posts: 4,234 Forumite
    Watty1 wrote: »
    Uck to car issues. Great on the decluttering tho. Finally have started decluttering own shoes!

    Thanks Watty - i cannot tell you how good it feels to just think of the 'space' thats there now - i say 'space' like that as the wardrobes are quite a poor design so not much shoe room so i don't have loads of pairs but even more than 2 pairs are difficult to get to as they are stacked up and then the clothes hang over them so it could be quite a battle.

    I will pop over and see how your decluttering is going and hopefully spur myself onto some more :D
    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
  • DedicatedDFW
    DedicatedDFW Posts: 4,234 Forumite
    Karmacat wrote: »
    You're really working on things - its great! Did you get that half hour or so this morning to call your own, to work on your dreams?

    Hi KC, I am sorry to say i didn't get that 30 minutes :( I had an early night in preparation for it but was woken at just after midnight and kept awake until after 3am due to shouting :mad: Words have been had :naughty: But i think sometimes just how shall i make this point so its productive - getting a megaphone just wouldn't work :o and its not that i was deliberately disturbed, just more that the fact that i needed to be up by 6am was clearly not a consideration :( So i have been red-eyed, tired and grumpy all day :o:(
    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
  • Alchemilla
    Alchemilla Posts: 6,276 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    I have been quite pleased with autoaid at £38 pef year for a couple. Includes home start.
    Fabulous exciting dream. I look forward to reading your first published work. Maybe you are published already?
  • DedicatedDFW
    DedicatedDFW Posts: 4,234 Forumite
    Hello all,

    i have gotten home today and am really grouchy :o - i need to snap myself out of it :naughty: A good part of it is tiredness - but if i went to bed now i wouldn't sleep and i certainly wouldn't sleep tonight then either - i know what my sleep patterns work like.

    I am also grouchy because of the reason for the tiredness - me and my needs not being thought of at all.

    And because i had to make 2 complaints today.

    And because the car won't start and i am worried about the cost :(

    And because i am feeling down i may as well throw in there how i want a lovely detached house where we have room for friends and pets and our own things too - ok this one really is me just me moaning :rotfl::rotfl::rotfl:

    Right - so, in a completely constructive state of mind - as achieving something should produce the happy sense of satisfaction ;) i am going to:

    1, check banking and make overpayment

    2, start the bedroom declutter. The utility has been done :T And i have written out a list of the bedroom declutter areas - the final one being the revisit of the shoes just to see if i can part with any more then :D This will mean all areas are covered logically and give me areas to tick off :T

    3, have a cuppa

    4, assignment :cool:

    This weekend i got, i think about £77 or £82 listed on the bay of e - i need to do the declutter to find more things to part with but i was pleased to have made a start and also slightly alarmed that i didn't even make it to a quarter of the way towards goal :eek:

    Hope everyone is well :)
    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
  • Tea sorted for tomorrow, cuppa had :D

    too tired to focus on assignment and i need a very early start tomorrow too.

    On the bedroom declutter i have thrown 2 items away - only thing they were good for, 2 items for carboot and 1 item to be given away - nothing yet found for bay of e :eek:

    survey done for pennies.

    Aiming for a very productive day tomorrow :D
    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
  • DedicatedDFW
    DedicatedDFW Posts: 4,234 Forumite
    Alchemilla wrote: »
    I have been quite pleased with autoaid at £38 pef year for a couple. Includes home start.
    Fabulous exciting dream. I look forward to reading your first published work. Maybe you are published already?

    Hi Alchemilla,

    Thank you for the heads up - i will pop them in my diary ready for next year :) No not published already but have a couple of things i have been working on which i want to push on with - hence the need to get back into it :D
    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
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