The Mortgage-Free Mission

Maybe_its_because

SavingRaven wrote: »

we have lots of friends who would love to have a mortgage and can't afford to buy here. So in a warped way, we're lucky

Never thought of it like this - good point well made SR!

Good job on the £100. Well done to your OH on the payrise but equally well done to you for getting him that little bit more on board.

Like you, I get OH to transfer money into the joint account and the rest is his - no questions asked. He recently added more to his joint account contribution after the MFW talk so it looks like we're getting our OHs to start walking the walk too


Oh, and on your pocket money question, I give myself £180-£200 a month for spends. Usually waste it on food, especially when I'm at work but trying to avoid that.

Have a good weekend

MIB x

Maybe_its_because

Well done on the 3 NSDs. Loads better than me. And really well done on keeping track - half the battle isn't it ?

Impressed with your eBay sales. (And hopefully some music magpie-ing)

MIB x

Luckyinlife

Great ebay sales :]

And i don't think £80 for a week is to bad at all you especially when £22 was on toiletries will these last you 2weeks or so ?

I think i may have to carry a diary around with me and see what i spend in a week scary stuff haha

Great diary raven :]

Maybe_its_because

Well done SR on the £0 debt and £1500 emergency fund.
:T

Thanks also for inspiring me to a week of 3 NSDs (based on your good spendy week last week)

V jealous of your holiday - we have to wait til May for ours.
Have a good time

MIB x

Luckyinlife

SavingRaven wrote: »

Exciting day today - invoices have been paid and I've just cleared all our debt and put £1,500 into the emergency fund. Whooppeeee!

In other news I have been awful with my spending this week and so haven't got much to live on for March as I gave myself an advance on my spending money. We're on hols for a week and a bit and have separate money for spending so will hopefully be able to survive on £150 for the last 2.5 weeks of March.

I'm off to update my sig. Hope everyone is having fun updating spreadsheets after pay day!

SR

Great stuff thats amazing :]
im sure youll be ok for march we have to spend a little sometimes hehe :]

Maybe_its_because

Hi SR,

Hope you've had a good holiday and all rested for a MSE rest of March

MIB x

jodles16

You are doing really well! I am very impressed with how in control you are with your finances, will look forward to seeing your progress!

Jodles

velocity_girl

Hi SavingRaven - I don't have a cleaner yet but am seriously thinking about it. I also work pretty long hours (though not 6 days a week!) and housework is by far the biggest cause of arguments in our house. A big part of me thinks it would be worth the expense for the benefit to our lifestyle and relationship!

Luckyinlife

Hey SR just catching up on your diary and wow you have a big mortgage bill every month 50/50 split on capital and interest but as every month goes past the capital payments will go up have you checked by how much ? would be interesting to see how much more it pays of every month :]

your doing amazing as well great work

my mortgage bill is the same im currently only paying off £90 a month capital from 450 payment :[ boooo i have only made one payment so far but every month the capital goes up by a £1/2 then any over payments as well

Luckyinlife

Hey SR i know what you mean you make a list then you try to do the list as you planned but things always change.

I think mixing it up a bit is the key maby 1k to mortgage then 3k to your sister just come to an agreement with her which allows you to overpay asap if you ever want a month off then you can just not make a over payment :]

I myself was going to save for 2 years then try to pay a lump sum when i switch the the SVR but im just going to start paying it off now even when fees are involved 3% what ever i overpay. think is every over payment will help the capital coming off the normal monthly payments we make

plans change :] have a great weekend SR