sarahevie's single quest to mortgage freedom

sarahevie1

No spend day yesterday:j

As the girls went to the football early I was going to buy a magazine and sit in Costa for an hour before work. Anyhow the mser in me stayed at home, with a magazine I had saved from the bin the other day.

sarahevie1

Slightly spendier today £20.

Included day out at city Beach in millennium square. Let girls go on 3 rides.

Purchased a birthday cake for dd3. Also some pack up stuff for tomorrow taking girls for a picnic with friends for dd3s birthday.

Ali-OK

Get to sit in your own comfy seat at home too

Evening out sounded great and good for you. It can be so hard to have a social life as a parent, more so as a single one - too tired, babysitters, lack of time and money.

Is the lodger better behaved now?

debtfreeoneday

Sounds a nice weekend, enjoy your picnic tomorrow!

norfolkdream

I'm an oldie rebranded, not sure if you would remember me but thought I would pop in and say hello. Its nice to read some old name threads and see where they are now. I have been in hiding

I do try and shop in Aldi but it doesnt have everything we need. It is only small.

Well done on getting the interest down, its a great feeling isnt it. My monthly interest is now on £25, to be paying that daily must have been crucifying. When I started journey I loved seeing how much each OP saved me in interest, these days its pennies for every £100.

I feel for you with the ex situation. I am doing this all on my own and have done for the past 10 years so admire your journey. I am probably still on my own because I dont want to give up all my hard work. I have spoken to friends about this, I have paid most of my mortgage off and to have someone come in and then share that doesnt seem right to me. They havent struggled for years and then if they moved in with me or we got a house together I would be scared to lose it all. Crazy thinking I know, but thats my head talking!

sarahevie1

Been missing in action, the last couple of days have been mental firstly dd3s birthday.

Good points

1. cheap, had a party just outside at bokton abbey. £8 per car.
2. re used banners, candles from last year
3. all presents 50% off in mothercare
4. homemade fairy cakes with peppa pig stickers proved cheap and very popular

sarahevie1

Today went to see a friend at xscape Castleford, loads if fun had by all:)

Have started serving various veg, sides in the middle at tea times. Today had yellow rice, white rice, red cabbage and sweet corn - finding girls eating much more once they have helped themselves.meant two salmon portions did four of us.

sarahevie1

Have an agreement in principle for NatWest. 2.32 %, 3 year fix. Happy to have a lender but due to affordability have had to go back up to a 25 year term.

So having to decide whether to use savings to reduce mortgage before it goes through as once it does I'll be subject to 10% overpayments then charges, my mortgage is only £55,000:so I'll only be able to overpay £5500 a year.

My standard mortgage payment will be £257 so I'll be wanting to overpay then transfer into savings for at the end of the fix.

Ali-OK

:j Great news on the AIP and oh Gnatsvest of little faith making you have 25 years again. Little do they know of your secret plan

Happy Birthday to DD3 and party sounds fab.

Norfolkdream - your last paragraph really resonates with me and I feel the same.

Octobergirl

Loving your thread Sarahevie1, we're from the same neck of the woods and have same mortgage/timeframe ( and career background). However, you have a heck of a lot more get up and go, inspirational.