Aspirations of Frugality and Fun on the Road to Mortgage Freedom

gallygirl

I'm with the others - you do NEED clothes etc .

Now what WOULD be a waste of money would be if you felt guilty every time you wore them. So best enjoy them now they're here :T.

in_need_of_direction

Agree re the clothes. What's even worse is that if you don't buy what you need when you happen across a good bargain, you may end up paying Full Price when in total desperation for them.

DedicatedDFW

Hi All and thank-you all for the input

I think the big indicator for me was that i didn't feel any twinge of guilt when paying for my items. I said the other day i would only buy clothes to wear at a specific day / time. Well i had identified the need for the holiday shoes and was pleased to get the evening ones sorted out - no high heels for me in hot climates so needed something to boost my wee height and that was smart enough.

I haven't tried any of the shoes on yet - will do later today but looked at my beloved low-tops and *sob* they really will last only 1 or 2 more wears as the back / heel area is really worn down *ponders how to change walk * so getting replacements and not at full price (thanks INOD) was a good decision. With the casual shoes they will all get plenty of wear and my Mr thought they were a brilliant price and very 'me' :T

Dress i got is stunning - i was trying to avoid holiday spends - as in new stuff for the trip - but having cleared out all the stuff i either don't think i look good in, doesn't fit right, totally gone off now, i will benefit from just a few pieces to spruce up my wardrobe and have something pretty to wear on my fab holibobs So am currently looking at 2 dresses for the formal nights - both the same make i know fits me well and will do for 2 weddings and 2 race trips coming up too - aiming to spend below £10 on each so *fingers crossed* for me.

Also lots of my items end today so *fingers crossed* for some bids please

DedicatedDFW

I wanted to write out todays to do list last night but was exhausted - focus is assignment and that is it. I've just done approx 750 words since getting up.

So 200 words, quick break pop in here and then back to the next 200 words is th order of the day:

200 words,
photo 2 bay of e items
pop in here

DedicatedDFW

Change of tack -

1 page,

photo 2 items - did 3 last time but that was because i was waiting for my late brekkie to be ready

Then back here for a break and update :cool:

Just checked banking :mad: - realised after doing the same sum on my phone calculator 3 times that this is broke - its a good job the gold money came in as the money i had paid to my credit card the other day would have left me short for my mortgage Still due to gold sale had a tiny bit i could pay to the credit card again so duly did that :T

Weekly shop spend just been increased as i have checked mr l's offers and will be stocking up

DedicatedDFW

Page done, pics done and quick break had

Back to it:~

1 page
2 pics
1 break - maybe with food - i am hungry!!!

DedicatedDFW

Second breakfast had, was listing a book for sale then realised the fees were higher than the price selling for ???

Quick break with a cuppa then:~

Next page,
photo 2 items
break again

Really helps me keep going with lots of breaks, hard slog that this assignment is x

DedicatedDFW

A few more pages done, most photo's taken now combining with descriptions and setting listings up ready - have bids on 2 of my 100 items Woo! hoping for more to sell both for the money and then i can list other items too.

Thinking lots of things at the mo. I need a target date for clearing the mortgage, i want to go into a branch (where i'm hopeful i may get a mortgage) and speak to them about re-mortgaging to them - with their interest rate i can reduce the term and pay less than i'm paying now a month - meaning of course more overpayments for me Its so frustrating though to be stuck on the interest rate that i am - i have never missed a single payment and have made additional payments when i've been able to but my income means i'm stuck at having to pay more out a month because i can't get the lower rate :wall: Arrgh!

1, how to work out a realistic though challenging target date for clearing the mortgage ? 7 years - is that even realistic?

2, write out budget sheet ready to swoop on bank and request appointment They'll say no - especially when you look at my income v mortgage payments But i hope they can tell me the position i need to be in to be considered.

Detailed budget will need to include things not budgeted for now - home insurance, gas, electric - get the form on-line print off and complete :cool:

3, use this frustration to focus throwing money at the debt and stop buying shoes :rotfl::rotfl::rotfl:

Lunch consumed and freezer inventory updated - i have to say that dull and hard task (not been done forever and very full) of emptying and re-loading the freezer has been fab :T I know where everything is, i know what i can use for meals i know if i have room for cannot be missed offers - easier meal planning and money saving so a happy bunny here

Right now onto the next page,
2 items fully prepped for bay of e
break

looks like its going to pour down here :eek:

jwil

You are doing so well! I'm impressed with your ongoing decluttering.

Great bargains too!

peaceandfreedom

DDFW, have you shopped around for a new mortgage or have you just asked your current provider? I know that the criteria for mortgages have got stricter lately but I am not sure what immediate impact that will have. I was hoping to change our mortgage to an offset-style mortgage when our current fixed rate runs out.

Keep us updated on what the banks says and I hope you manage to get what you want.