TrulyMadlyMummy - Creating a better future for our children :)

Alchemilla

Mostly keep it quiet...unless someone says
"Why are you always having cous cous for lunch?"
"Its 10p a pack at AF".

Pushkin

Hi - I love the anonymity of this forum!! Am a very new diarist but find it very cathartic to express my feelings knowing that nobody actually knows you or will hold it against you.

trulymadlyhannah

I am glad its not just me feels like this. I was telling one of my friends my plan about a year ago, and she said her plan was the opposite, to make the most of living now, and paying as little as possible on her mortgage. I do sometimes worry that if the worst happens (to me or my husband) that the other is going to be resentful of us not making the most of our time together (meals out, cinema, holidays etc.) But those things don't buy happiness and we have just as much fun in each others company at home!

We visited Ikea today and came out £55 lighter. £15 of that was on food:eek:, and everything we went for wasnt in stock when we arrived (which potentially saved us a fortune!!) We bought some box's for my little boys room to store his clothes, some (much needed) shoe storage for the girls room, £5 a coffee table for living room (DH's request, we haven't had one for about 4 years and DH has missed it), and some other bits and pieces.

I always leave Ikea feeling like I could spend a few thousand pounds, and feeling disappointed that I choose not to.... I keep reminding myself of the end goal, and that we WILL be able to do that one day, if we don't start saving for retirement instead :rotfl:!

I have taken apart and cleaned my old pushchair today with the aim to try sell it on ebay or the local "for sale" facebook page.

Tomorrows List:
Plaster the bottom of the walls in DS's room.
Sell Freezer
Sell Pushchair (if its dry)

CathT

A few friends of mine are on interest only and relying on increased house prices in the future to sell up and clear mortgage. Personally, I'd rather OP as much as poss now and have no mortgage payments through my 40's. Interest only or really extended term is like glorified rent!

Good luck selling the pushchair, they usually go quite well on local sites.

Crumpets

I definitely don't tell anyone our MF plans, not even my parents. I don't really know why but like you it's probably the fear of being judged. I doubt I'll tell anyone when we're MF either :rotfl: To me being MF will be like winning the lottery, we will be able to do all sorts of fantastic things that the kids will appreciate more once they're teens :T

£55 is a pretty good spend at ikea! It's so easy to buy all sorts of stuff so you must have been pretty restrained the food there is such good value as well, we always have 2 courses each plus drinks for under £20, you can’t do that many places :T

Good luck with the selling

Crumpets x

Alchemilla

Interest only would give me the willies...and not in a good way!!

trulymadlyhannah

CathT wrote: »

Good luck selling the pushchair, they usually go quite well on local sites.

Thank you, although I didn't sell my pushchair... I decided to do a car boot instead. I didn't think I had enough earlier.... The car is full and i still have 3 bags, 3 boxes, a motorbike helmet and a toy car garage to fit somewhere..:rotfl:Oh and the pushchair isnt in the car either, after all that I decided to sell it on the local fb site again! I did manage to get 3 stools out of the attic and sell them for £6, they were collected this evening

Crumpets wrote: »

I definitely don't tell anyone our MF plans, not even my parents. I don't really know why but like you it's probably the fear of being judged. I doubt I'll tell anyone when we're MF either :rotfl: To me being MF will be like winning the lottery, we will be able to do all sorts of fantastic things that the kids will appreciate more once they're teens :T

Crumpets x

I don't really have any family to tell (except my dad, but hes only dad by name, not bond), and we wont be telling DH's parents! I happened to mention I was watching a king size bed & nearly new mattress on ebay and she was horrified that we we resorting to second hand mattresses (owner said hardly used as guest bed) and offered to buy us a new bed from her catalog, and she would pay it next year. It was a lovely offer but after seeing the prices £600 upwards for a basic divan :eek: , and the interest :eek:. We kindly refused.... I just couldn't let someone else buy that kind of price on those terms, I feel kinda sick that people actually buy from these places!!

DH's view is exactly the same, he thinks the kids will appreciate the money much more when they are older, than they would having a few extra clothes/toys now!

Alchemilla wrote: »

Interest only would give me the willies...and not in a good way!!

This made me :rotfl:

Today I learnt how to plaster :cool: Well plaster is a strong word for it! but I mixed my own plaster (free from my amazing sister in law:T) and "plastered the inch deep, by 3 inch high gap between the floor and the other plaster so my skirting board has something to stick to .

I took that other tin of paint back to home-base (with receipt) and they gave me £10 back :T, which was brilliant as I paid £17 for 2 tins, which means I got the tin I needed for £7 (should have been £14.99). I have to add that this is not really a bargain as it needs a fourth coat :eek: and it may even need a fifth, thou it wont be getting one as I refuse to buy more paint!!

My uncle highly recommended an adhesive called Sticks Like **** to attach my skirting board, so today I went to find some. It costs £9 a tube so I walked away with 2 tubes of normal glue for £4.50 and I am going to try and glue it on myself, after all Ive plastered today, how could it go wrong :rotfl:

I also called into home bargains and came out £16 pound lighter. As Ive already spent Septembers £50 Household/Sundry budget, I will have to earn/make this money back this month!! Honesty, I am normally fairly restrained, no more unnessisary purchases for me!

I am counting down the hours until DH's steroid injection in his back on Monday. Its been a really tough week for him, especially last weekend as he couldn't move out of bed, and he hates to see me doing the "manly" jobs on my own while he watches the kids.... Its also being fairly tough on me with the extra workload, but it reminds me how much he helps me normally and want an amazing husband he is

And I still need to meal plan.

Over and out

hanging_on_in_there...

Hi again Hannah! I've now found your thread!
I must say, at 28 years old, with 3 children, to have paid of your debts and to be now concentrating on your mortgage with a 10 year pay off plan... I applaud you immensely!

We (oh&I) spent our early years together really strapped for cash. I learnt the hard way how to stretch a pound of mince (as I've said on here before!)... And due to unforeseen circs have been through some desperate times....
However, we survived and are now at the grandchildren stage as you now know. Our kids are hard workers, got a real strong work ethic so alls well that end s well and we as grandparents now need to be MF to enjoy spending time with them all!


I well be following you and supporting you all the way as will alot of other good folks on here
All the best
Bo xx

hanging_on_in_there...

Hello again Hannah & thanks for finding my thread! Glad all went well for you on your selling spree today! As per posts above, I don't broadcast our mf plans...and equally I do know of alot of 'live for today' people.

I don't think there is a right or wrong way... Folks just have to do what feels right for them..and for us, striving towards mf spells freedom!
We do continue to live though, and don't deprive ourselves of family time or or spends with them.

Now that may sound like double standards, but we see it as cutting back where
We see fit and spending where we need/want to.

To all our money saving peers on here... Good luck on our endeavours, whichever form it takes for us to achieve our goals.

Bo xx

Goldiegirl

I've learnt to keep quiet about my plans, it's best that way.

About six months ago I spoke to a very good friend about my activities, and she said I was getting old before my time!

We've always been on the same page about things before, so I felt a bit disappointed, but it did teach me to be more discrete about things.

I like this forum, because there are a lot of like minded people here, and makes me feel that I'm on the right track.