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A MF day begins at midnight

1131416181941

Comments

  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Confession time....... I fell off the cheap shopping wagon.




    Been really busy with work and just not had time to do a proper food shop at weekend. Popping in to the local small s@ins and the difference in price for fresh fruit & Veg is ludicrous.


    Must do better

    Tut tut tut :naughty:. Say three Hail Martin's :money:as a penance and knit some yogurt :D.
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
  • Firegirl
    Firegirl Posts: 1,007 Forumite
    Tenth Anniversary 500 Posts Name Dropper
    edited 20 February 2015 at 8:50AM
    Get back on the wagon, we all fall off now and again!!
    Mortgage balance Feb 2015 start of MFW Journey-£245316.06/Aim to be mortgage neutral 2022 — Target for May 2024 14 Year Target Balance MF50 = £89,535 — Mortgage Balance £106, 000—Target for May 2024! £89,535

    Retirement Planning
    Starting Position (Jan 2024) : Pension 1-£165,000/Pension 2-£50,000/Pension 3-£9,500/ISA-£87,000/Total-£311,500
  • Sque wrote: »
    Get back on the wagon, we all fall off now and again!!




    Will try my hardest, though im pretty much chasing my tail at the moment.


    I'm doing long hours at work and even had to come in at weekend. By the evening I am knackered and it is far easier to nip in to a convenience store, rather than travel much further to somewhere that's cheaper. Sure will feel better once I can get rest.


    MC
    Initial mortgage (Dec 2012) £108,000 3.84%APR MF date Jan 2038

    Mortgage remaining £68285
    Daily interest £4.28
    2017
    MFW #14 £3746.90/£10,000
  • Dobbibill
    Dobbibill Posts: 4,199 Ambassador
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    I'm sure you will be back on the wagon very quickly.

    If you were not recognising the fall off it would be more concerning but you see what's happening so I'm sure you will be back to your frugal ways in no time.

    Chin up, it doesn't come without it's challenges, slips and hiccups.

    :money:

    DB
    I’m a Forum Ambassador and I support the Forum Team on the Budgeting & Bank Accounts, Credit Cards, Credit File & Ratings and Energy boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.

    If you can't be the best -
    Just be better than you were yesterday.
  • Hi Midnight :wave: - I've just stumbled upon your diary and was pleased to find another MFW whose 'going it alone' so to speak. My house sounds much like yours, not in the decor sense, it all looked fantastic when I bought it, but everything had been bodged (think door frames supporting the kitchen floor and various other 'inventive' techniques). It's been a slow process of gradually putting everything right whilst making overpayments but it's a nice feeling to know that it's all been done properly. You've done brilliantly so far on your overpayments and I'm sure you'll have a hefty chunk to chuck at the mortgage at the end of your current term. Please do keep posting and letting us know how you're getting on. I'll be watching your journey with interest.
    MGx
    :jMortgage free 08.08.19 :j
    2018: £19410.25 / £9,300 2017: £7646.64 / £11,000 2016: 4557.98 / £11,000 2015: £10,230.37 / £11,000 2014 =£6703.26 / £11,000 2013 = £4288.51 / £8000 2012 = £1600/£5000 2011 = £2579/£3000
    MF date was Nov 2041 - mortgage neutral 23.07.18

  • Hello and welcome mortgage girl :wave:


    Just had a sneaky peak at your diary - some cracking OPs this year, well done!!
    Initial mortgage (Dec 2012) £108,000 3.84%APR MF date Jan 2038

    Mortgage remaining £68285
    Daily interest £4.28
    2017
    MFW #14 £3746.90/£10,000
  • So it would seem that with all the hours i'm putting in at work don't have any time to spend money. Been paid so shuffled the leftover money budgeted for Feb into the emergency fund.

    Only got a few hundred quid left to reach my £3000 target, but think I might press on a bit further with this as the boiler made some strange noises the other week :eek:.

    In other money saving news.........
    Grapes: Was £2, now 49p.
    Fancy potatoes: Was £1.25, now 29p :D

    MC
    Initial mortgage (Dec 2012) £108,000 3.84%APR MF date Jan 2038

    Mortgage remaining £68285
    Daily interest £4.28
    2017
    MFW #14 £3746.90/£10,000
  • Spreadsheet updated, now to twiddle thumbs for the next 27days.


    MC
    Initial mortgage (Dec 2012) £108,000 3.84%APR MF date Jan 2038

    Mortgage remaining £68285
    Daily interest £4.28
    2017
    MFW #14 £3746.90/£10,000
  • Sorry for my absence, been away with work.


    Counting down to payday but wont have much left this month to slide across to the savings account.
    I'm owed a fair bit of expenses so that will go towards the OP'ing fund when I can get that back.


    Not much else happening at the moment.


    MC
    Initial mortgage (Dec 2012) £108,000 3.84%APR MF date Jan 2038

    Mortgage remaining £68285
    Daily interest £4.28
    2017
    MFW #14 £3746.90/£10,000
  • Having a lazy weekend, but it was kind of needed.


    Only activity today was a trip to Ald!. I spent a lot more than I would usually when shopping, stocking up on rice, tins, toothpaste and such like :D.


    Regretted it walking home with all this stuff and I think my arms have lengthened by several inches :eek:


    Will give a proper update on the mortgage next week.


    MC
    Initial mortgage (Dec 2012) £108,000 3.84%APR MF date Jan 2038

    Mortgage remaining £68285
    Daily interest £4.28
    2017
    MFW #14 £3746.90/£10,000
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