Diary Mortgage Free Road To Change My Life

Ali-OK

I don't count kids activities as something I'd cut back on, enrichment is really important and DS did his fair share - ice skating lessons, swimming lessons, drum lessons, drama club, model club (airfix type!), plus book club/reading, crafting and Children's Uni too - at £35 a Saturday :eek:

Good to have hobbies as adults too, perhaps I should have alluded more to the type of hobbie of Lil's friend Each to their own though

Luckyinlife

Totally agree there ali

Haha do you have any hobbies or things you enjoy yourself currently ?

The OP cleared today less than 24 hours after payment :] £1.80 went to sub account tho lol still under the 65k mark tho :]

Ali-OK

The dogs are a full-time hobbie - blows the cobwebs away walking them and can either be good thinking time or a social time with other owners

I need to pick back up going to Pilates, stopped when the cost went up :rotfl:

Suppose I've become a bit of a home-bird since DS came along, so things like baking and batch cooking I enjoy and gardening I still need L plates for :rotfl:

Cars were the expensive hobbie for a very long time, dropped that when I sold the sports car.

Friends circle we all visit each other and have cups of tea!

So mostly low or no cost ones, though the dogs can be costly with food, vacs, vet bills and grooming..but I bought clippers early this year to save £100 a go for the pair

Great going being below £65..downward hill to the £50s

Luckyinlife

Ya i really want a dog but am not going to go for it yet leave it a year or 2 or 3 even for now

things change over time dont they i used to go fishing every weekend for a night at least i havent been for 9 months now and always had a car i enjoy and havent now so DS/work/house are my life now

Thanks ali does feel good to be under 65k agine ill hunt the that 59k down in 2016 :]

Sold and item on ebay i payed £1 for 12.99 within 2 hours of listing happy days

Listed about 18 items got a few more to list this evening before my 30 free listings run out :]

Iv sold around about 1.5k of stuff on ebay this year most old stuff i dont use and the odd bargain iv found here and there

most of this money has gone on house stuff/games/ds toys ect iv transferred a bit to the bank not much tho

next year i wanna see if i can hit around 3k on ebay sales in 2016

Happy new year guys enjoy what ever your upto

Ali-OK

Good bit of extra from the sales there and a quick sale today. Target for next year looks challenging...I never seem to find stuff to sell at home or anywhere else!

Happy New Year too and have a great eve :beer:

Luckyinlife

Thanks ali Ya eBay will be tough to sell that much but with the house and stuff this year i haven't been listing much stuff iv got a lot to list over the next few weeks. Got to have some sort of challenge

Besides work i would like a side income bar them silly interest rates we get hehe

A_Frayed_Knot

Good Luck with your target and great OP made just in time for Dec figures:D.

Have a Happy Healthy New Year and look forward to the challenges in the NY.

Luckyinlife

Thanks AFK :]

So Bit of an update on figures

Mortgage balance Start of Dec 2015 £65878
Mortgage balance start of jan 2016 £64834

With OP and normal payment i managed to get just over 1k off the balance :] in December

Start of 2016 mortgage balance stands at £64834

My normal payment is £297.95 of which £136 is interest so £162 comes off the capital out of my normal payments

EF stands at 16k :]

Sig Now updated

Firegirl

Well done!!!! Check out your sig!!!

Come so far since you first joined!

Runders

Hey Lil,

Just wanted to wish you a happy new year and say congrats! You are doing so well. I hope 2016 continues to be great for slashing your mortgage!