Trying to get on track

Ali-OK · 28 December 2014 at 1:55PM

Love having everything in it's place and a place for everything. Not quite there yet here either, but all the decluttering and tidying I did over Christmas last year has mostly lasted and brings a sense of calm and sheer joy at spending time at home. Mostly unravelled weekly by dogs and DS but soon adjusted again :rotfl:

Definitely always a sale somewhere and something I've learnt is to recycle around the house things like pictures and ornaments to different rooms - gives a fresh and different look and feels like they are new and interesting again.

Also taking time to think about if I need something has enabled a more creative look at layouts of rooms and furniture.

If I applied this to what's left in my study from the office move, I would make progress here too :rotfl: It's a job on my to do list!

millionaire_in_training · 28 December 2014 at 9:43PM

I was having a wee rant today as well about clutter and lack of space in our house. It's only a 2 bedroom house that I made into a 3 bedroomed house and we are full to the rafters. I need to get started and be ruthless as it's starting to get me down. So you can nag me as well

in_need_of_direction · 29 December 2014 at 3:13PM

finally faced the financials. they aren't great but could have been so much worse. I did my last mortgage OP transfer of the year and, having estimated the quarterly ineterest, it looks like I hit my target for this year. based on my not always reliable calculations and exc the unexpected £2k received indirectly from the ex, i did hot the additional 4 payments plus total interest for the year that would have amounted to £3511.52. I calculated that simply making my normal payments less interest charges would have reduced my mortgage by £7491.6o so, while it was close, thanks to generous Christmas presents we did it. thanks to all you peeps for the encouragement en route.

Ali-OK · 29 December 2014 at 3:41PM

Well done, that's a great achievement :T:T

Have you got a target in mind for 2015?

in_need_of_direction · 29 December 2014 at 5:46PM

I'm thinking of going for the same again though may reconsider at end of jan when I will find out what, if any, pay rise I will receive.

Brogden · 29 December 2014 at 6:11PM

in_need_of_direction wrote: »

finally faced the financials. they aren't great but could have been so much worse. I did my last mortgage OP transfer of the year and, having estimated the quarterly ineterest, it looks like I hit my target for this year. based on my not always reliable calculations and exc the unexpected £2k received indirectly from the ex, i did hot the additional 4 payments plus total interest for the year that would have amounted to £3511.52. I calculated that simply making my normal payments less interest charges would have reduced my mortgage by £7491.6o so, while it was close, thanks to generous Christmas presents we did it. thanks to all you peeps for the encouragement en route.

Well done INOD :T

I would love to be doing this too.

Brogden x