Mortgage free by 2023 (!)

debtfreeoneday

Well, update on one PPI claim in that we have success, but frustratingly, I don't know what the offer is and need to wait for the post to arrive!

Another little bonus this week was that DH's pension that he already takes wrote to say they owes us an uplift on the lump sum he took, so that's another £500 on the way at the end of the month. £100 ish has been spent on a new tool that DH needed, but we intend to chuck the rest of that at the mortgage as it wasn't planned for at all!

Mortgage figures reduced slightly to £82,637.87. Not made OPs for days, but I knew this month would be like this..bit frustrating really.

Plodding along with surveys, enjoying the weather...

debtfreeoneday

Fleabay sale means OP of £2.76 sent bringing July to £72.44. The post didn't bring news yesterday so hopefully tomorrow.

Spending the weekend removing numerous slabs in the back garden and replacing it with decking. Needless to say my back is slightly achy this morning.

debtfreeoneday

Well the last 2 PPI claims are done and we got a result on both. First was for an overdraft I had when I worked for a certain bank, the little s0ds opened the account when i started work as you had to have your salary paid into one of their accounts and slipped PPI on there without telling me Now I've never used ODs at all, so the payout is £25 - but hey, it's better than nothing!

However second claim was on a loan from same bank and they did exactly the same thing - £2200!! Over the moon with that.

However we have also decided to spend what money we would have spent moving on the house to make it into what we want, so garden is well underway, but we are due to have builders out this week with a view to making the kitchen, hall and lounge one big open plan area and then taking out the external wall along the back of the house and having bifold doors or something similar so the whole of the back of the house opens up! That's the plan anyway and of course it will depend on cost.. so for now the PPI money is being put away with no OP coming out of it at the moment.

Had our visit from the LA this morning re home ed to make sure they are happy with our provision and that went well, so we will be left alone now until 2023 when kids hit next key stage!

debtfreeoneday

That said, quick tidy up in the bank account and I've found £27.15 to OP so that brings July to £99.59 which now I've just added that up will annoy me a lot that we are that close to £100. Once the bank account updates in the next hour, I'll find 42p somewhere!

debtfreeoneday

Managed a £40.07 OP bringing July to £139.66 from some of the PPI money. Home ed classes are drawing to a close, so we tend to hunker down a bit now over the summer, rest and chill although a few activities are planned.

Builder hasn't appeared yet to do a quote, so I must look for some more options. Typical really of where we live, everyone has so much work, trying to get someone to actually come round and give you a quote is hard!

Pouring down here, but the garden needs it, I'm not impressed at having to put jeans on this morning!

debtfreeoneday

Bit more work done in the garden yesterday.. we need to order a fair few tonnes of stones now. Planters to be built today and possibly three fence panels replaced if we have time.

I cleared out a section of a flowerbed yesterday where everything was looking bleurgh. Looking a bit bare now, but I want to replant it all for next year so will wait for the rest of the plants to go over and then dig out the rest.

Have been reading loads of MB and plan to have a little go this week to see how that pans out.

Have a lovely Sunday all!

debtfreeoneday

So planters built, fence panels a job for next weekend.

Sold all the slabs we took up, didn't expect to get much but ended up with three times what we expected and were willing to accept, so most of that put towards ongoing renovations, but we gave the littlies £15 each as they worked sooooo hard last weekend helping out. Also did a £15 OP bringing July to £154.66 which I think means I hit our target of £150.

Been thinking a lot about food shopping / meal planning and would welcome any thoughts. We currently budget about £300 per month, I pay mid week delivery saver with TesC0 which is £3.49 a month.

I used to meal plan loads and it was great and I know i need to get back to it properly. We are all trying to be a lot healthier with food choices, I've lost nearly a stone since 1st July so I feel like we maybe need to up the budget a bit, I'm just trying to work out whether I should swop to L1dl to save money, but practicalities mean I can't just nip to a shop as it's a good 15 miles to supermarkets from us. I have very little time as it is with home ed and life. I wonder if we should shop more for the next 5 days type of thing rather than weekly (we always run out of fruit / veg etc. I' m conscious of plastic use, wanting to do more cooking from scratch etc. I'm probably answering my own questions here, but I'd be keen to hear other situations and how you guys manage it.

debtfreeoneday

Day 1 of unofficial summer hols and I've left the kids to get bored, so one is reading and one is crafting.

Done a bit of tidying in the account and sent £16.51 to the mortgage meaning July is up to £171.17. Hub putting the last PPI cheque in today and I'm going to OP that as it's only £22ish.

I've no plans today except spending it under a quilt on the settee, I'm tired and feeling very sorry for myself for no particular reason so a bit of me time is needed.

After ringing docs this morning over 100 times, I finally got through to be told all appointments gone today unless it's urgent which it isn't So frustrating, I can't prebook until the end of August which is too long to wait!

Zola.

Hi DFOD, great progress to date.

What type of mortgage are you on? I am on a five year fixed, in the last 10 months of it now and then it's renewal time. My terms says 10% OP a year is allowed, but any lump sum payments have to be over £1000 each time.

I did up the monthly direct debit by £25 just to chip away at it slowly, but I would love the flexibility to send the odd few quid here or there as I sell things like you do etc.

debtfreeoneday

Zola. wrote: »

Hi DFOD, great progress to date.

What type of mortgage are you on? I am on a five year fixed, in the last 10 months of it now and then it's renewal time. My terms says 10% OP a year is allowed, but any lump sum payments have to be over £1000 each time.

I did up the monthly direct debit by £25 just to chip away at it slowly, but I would love the flexibility to send the odd few quid here or there as I sell things like you do etc.

We are on a five year fixed, about 9 months into that. We can OP 10% as well. That's interesting that they need to be over £1000 to pay them, a pain though!