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sarahevie's single quest to mortgage freedom

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  • AlexLK
    AlexLK Posts: 6,125 Forumite
    Debt-free and Proud!
    sarahevie1 wrote: »
    Food shopping last night spent £30, have loads of veg though. My freezer is full again:rotfl:

    Spent £45 on school photos this week, but two will do as Christmas gifts.

    No spend day.

    Tomorrow need to buy nappies and wipes.

    I'm struggling to get girls up for school, but also struggling to get them to bed, us all sharing a room isn't ideal and isn't helping. Trying staggered bed times. I do have them in bed by half seven, wake them at 7 so they do get enough sleep its just a struggle.

    Had a barney with ex, as feel he's stringing me along emotionally although I'm keeping my distance. I've been feeling really sorry for him, but I've found out he's seeing someone so don't feel sorry for him anymore.

    I've not kept up with your diary (sorry, I don't manage to keep up with a lot) but why are you and your children all sleeping in one room? Cannot see how that is healthy, to be honest.
    2018 totals:
    Savings £11,200
    Mortgage Overpayments £5,500
  • AlexLK wrote: »
    I've not kept up with your diary (sorry, I don't manage to keep up with a lot) but why are you and your children all sleeping in one room? Cannot see how that is healthy, to be honest.

    A couple of months back an ex colleague was looking for somewhere to stay, short term, and as money is very tight, I let her lodge. My room as the master has a large ensuite, so made sense to give that up to a lodger.

    Dd3 has her own room and would disturb having anyone in with her. Also her room wouldnt fit a double bed and single in it. Dd1 and 2 always shared and their room accommodates all three beds as it is quite large. So we share it.

    We literally just sleep in the room as we are fortunate to have a lot of living space, our house was a self build so is pretty bottom heavy. Kitchen diner, through lounge, playroom, back porch, utility, bathroom downstairs. The bedrooms are also all doubles with two decent bathrooms upstairs. Due to the design there's no box rooms or wasted space
    HOME
    Original mortgage free date Nov 2037
    Mortgage free August 2018

    Additional properties
    Mortgage 1 £108,000
    Mortgage 2 £45,000
    Teacher pension - DB scheme
    LGPS pension - DB scheme
  • No spend day :j

    The ex came round with chocolates, very out of character. Not sure what they were in aid of, but he's being super nice at the moment and its quite unnerving.

    Had a drama with DD1, she refused to get in the pool at swimming, she's been going over two years, never had an issue like this before. Was really fed up with her.

    After a mammoth weekend, uni reunion, shift at the supermarket, church, 35 mile trip to my parents, brunch date - it was a relief to be back at school for a rest:rotfl:
    HOME
    Original mortgage free date Nov 2037
    Mortgage free August 2018

    Additional properties
    Mortgage 1 £108,000
    Mortgage 2 £45,000
    Teacher pension - DB scheme
    LGPS pension - DB scheme
  • Spending a little out of control for me at the min. Trying to reign it in.

    £50 dd1 birthday presents, included practical things like slippers, wellies, books etc.
    £50 supermaket shop including two birthday presents for friends.

    Have been offered 1% cashback on purchases via my hlifax credit card until Jan so need to get into the habit of using it.

    Need to pay £294 to the solicitor to cover fees regarding changing title on house.

    On going battle with weeds on my block paved drive.

    Quiet on the lodger front.

    Have agreed to help run the next messy church, is involving more meetings than I bargained for, but really worthwhile and I'm enjoying it immensely.
    HOME
    Original mortgage free date Nov 2037
    Mortgage free August 2018

    Additional properties
    Mortgage 1 £108,000
    Mortgage 2 £45,000
    Teacher pension - DB scheme
    LGPS pension - DB scheme
  • I feel a bit out of control as well.. hard with all these birthdays and Christmas looming!
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • I've been out of control over September with two weeks holidays so I'm reigning it in for October too. So difficult sometimes though, especially when you're felling down about stuff. Just want to eat which means spending!!! Grrrr

    Tx
    Mortgage at end 05/2007: £90200
    Mortgage at end 08/2018: £71646 paid £18354 (20.5%)
    MFD: :eek:Original:05/2042:eek:
    Car Finance: £8225 : £6392 (22.2% paid off)
    CC Debt (0% until 06/2020): £5640 : £4400 (21.7% paid off)

    Age of Money at 31/08/2018 = 23 days

    YNAB is changing the way I live my life....and spend my money!!
  • I feel a bit out of control as well.. hard with all these birthdays and Christmas looming!

    It really is, I now have no birthdays family or friends until March which is great. I do have four children's parties in Nov and christmas.
    HOME
    Original mortgage free date Nov 2037
    Mortgage free August 2018

    Additional properties
    Mortgage 1 £108,000
    Mortgage 2 £45,000
    Teacher pension - DB scheme
    LGPS pension - DB scheme
  • I've been out of control over September with two weeks holidays so I'm reigning it in for October too. So difficult sometimes though, especially when you're felling down about stuff. Just want to eat which means spending!!! Grrrr

    Tx

    My social food spends are up. I'm lucky that I don't feel the urge for takeaways as don't really like them. Went out for a pub lunch today and last week as well.
    HOME
    Original mortgage free date Nov 2037
    Mortgage free August 2018

    Additional properties
    Mortgage 1 £108,000
    Mortgage 2 £45,000
    Teacher pension - DB scheme
    LGPS pension - DB scheme
  • Had a large party for my DD1 at a local play place today. Thought it was good value as cost £122 for 24 friends. I missed the party as DD3 is unwell, which was a shame but DD1 had a great time.

    Went to the Lidl for the first time ever today. Was very impressed £43 spent, hoping it will last at least a week. My last £30 food shop lasted 17 days but we did eat out on top of that.
    HOME
    Original mortgage free date Nov 2037
    Mortgage free August 2018

    Additional properties
    Mortgage 1 £108,000
    Mortgage 2 £45,000
    Teacher pension - DB scheme
    LGPS pension - DB scheme
  • Update on house front, we got he papers through on Saturday to transfer the house into my sole name. Finally it is happening. £294 land registry fee for the privilege plus solicitors fees, mortgage broker fees on top. So I'm feeling the pinch but really excited. New chapter:j:beer:
    HOME
    Original mortgage free date Nov 2037
    Mortgage free August 2018

    Additional properties
    Mortgage 1 £108,000
    Mortgage 2 £45,000
    Teacher pension - DB scheme
    LGPS pension - DB scheme
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