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sarahevie's single quest to mortgage freedom

edited 30 November -1 at 1:00AM in Mortgage-Free Wannabe
739 replies 100.1K views
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  • sarahevie1sarahevie1 Forumite
    597 posts
    Sixth Anniversary 500 Posts Combo Breaker Mortgage-free Glee!
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    Need to transfer the ex, £10,000 (I have it) - as his share of house.
    Need to pay £735 for childcare for next term.

    Impatiently waiting for confirmation through post of my n mortgage. Need things like account number so I can make an OP - no matter how small.

    Have wrapped all my Christmas presents.
    Went to a Christingle Market in town today, it was no spend, had to be as had an expensive morning.

    The girls and I went to support the Guide Fare at church (was surprisingly spendy £20 but for a good cause. Wholesome family fun. With traditional chocolate tombola, lucky dip stalls, teddy tombola, craft stalls, cake stalls. (bought the girls some gorgeous knitted headbands for a pound each.)

    The girls favourite stall was a stall of wrapped up wine bottles. water or wine? We got water which I preferred as I don't drink - even though that was supposedly a loss :rotfl:
    HOME
    Original mortgage free date Nov 2037
    Mortgage free August 2018

    Additional properties
    Mortgage 1 £108,000
    Mortgage 2 £51,000
    Teacher pension - DB scheme
    LGPS pension - DB scheme
  • debtfreeonedaydebtfreeoneday Forumite
    3.8K posts
    Part of the Furniture 1,000 Posts Name Dropper PPI Party Pooper
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    Glad the house has gone through and it's all yours!
    DFW (08/08) £64,346.53 Gone for good (02/19)
    MFW (01/15) £61,996.97
  • sarahevie1sarahevie1 Forumite
    597 posts
    Sixth Anniversary 500 Posts Combo Breaker Mortgage-free Glee!
    ✭✭
    Had a really manic couple of weeks, but finally got to Christmas hols and now have two weeks off work.

    Had a bad grocery spend last week £60, but only spent £15 this week so should average out ok.

    Got my petty cash payments for general resources came to £34.20, but spent it on party food, cards for my class.

    Looking forward to getting really stuck into OPs in the new year. At the mo it feels like damage limitation.
    HOME
    Original mortgage free date Nov 2037
    Mortgage free August 2018

    Additional properties
    Mortgage 1 £108,000
    Mortgage 2 £51,000
    Teacher pension - DB scheme
    LGPS pension - DB scheme
  • debtfreeonedaydebtfreeoneday Forumite
    3.8K posts
    Part of the Furniture 1,000 Posts Name Dropper PPI Party Pooper
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    Give yourself a break, it's been a massively busy and hectic time and you've been trying to sort the mortgage out. Relax, enjoy Christmas and start 2016 ready to start kicking mortgage a$$.
    DFW (08/08) £64,346.53 Gone for good (02/19)
    MFW (01/15) £61,996.97
  • sarahevie1sarahevie1 Forumite
    597 posts
    Sixth Anniversary 500 Posts Combo Breaker Mortgage-free Glee!
    ✭✭
    On Saturday I finally paid off the ex.

    £10,000 his equity for the house. £735 for the nursery fees he had paid.

    This morning I paid off the mortgage broker £519.

    Worked out I've spent £1316 on solicitor and mortgage broker fees to get my house. (A massive amount of money.)

    At least now I'm back to 'normal'. Going to start a statement of affairs from Jan and keep a spending diary.

    I'm working boxing day at my supermarket job as I'll be earning before tax £144 for 5 hours. Also don't have my kids as they will be at their other grandparents
    HOME
    Original mortgage free date Nov 2037
    Mortgage free August 2018

    Additional properties
    Mortgage 1 £108,000
    Mortgage 2 £51,000
    Teacher pension - DB scheme
    LGPS pension - DB scheme
  • debtfreeonedaydebtfreeoneday Forumite
    3.8K posts
    Part of the Furniture 1,000 Posts Name Dropper PPI Party Pooper
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    I would do the same to be honest sarahevie, if you haven't got the kids and could earn that much, it's worth it.
    DFW (08/08) £64,346.53 Gone for good (02/19)
    MFW (01/15) £61,996.97
  • All that lawyer and ex stuff is behind you now which is a huge achievement itself. 2016 is a new year and I'm sure it will be a great one :).
  • sarahevie1sarahevie1 Forumite
    597 posts
    Sixth Anniversary 500 Posts Combo Breaker Mortgage-free Glee!
    ✭✭
    jeanangeo wrote: »
    All that lawyer and ex stuff is behind you now which is a huge achievement itself. 2016 is a new year and I'm sure it will be a great one :).

    Thanks for your kind words, I'm hoping so.

    As I find the next term the hardest in the whole year, I've been looking at holiday options for Feb half term. Something to look forward to.

    I'm debating a cheapie Haven type hol, Centre Parcs (discounted as too expensive around £650 for us), or a really cheap Ryanair to Spain. (Well Benidorm to be precise, £512 for the four of us.)

    What's putting me off, other than £512 is A LOT of money, is the idea of managing the kids on the flight alone, plus they might be disappointed with the weather. (I've chosen somewhere with an indoor pool, so that would be a failsafe.)
    HOME
    Original mortgage free date Nov 2037
    Mortgage free August 2018

    Additional properties
    Mortgage 1 £108,000
    Mortgage 2 £51,000
    Teacher pension - DB scheme
    LGPS pension - DB scheme
  • debtfreeonedaydebtfreeoneday Forumite
    3.8K posts
    Part of the Furniture 1,000 Posts Name Dropper PPI Party Pooper
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    How about a staycation? Or stay in a t-lodge somewhere not far away and do things local? If you plan something for each day, it could save you a lot of money..

    You've obviously got food and other stuff on top of the £512..
    DFW (08/08) £64,346.53 Gone for good (02/19)
    MFW (01/15) £61,996.97
  • sarahevie1sarahevie1 Forumite
    597 posts
    Sixth Anniversary 500 Posts Combo Breaker Mortgage-free Glee!
    ✭✭
    How about a staycation? Or stay in a t-lodge somewhere not far away and do things local? If you plan something for each day, it could save you a lot of money..

    You've obviously got food and other stuff on top of the £512..

    I know, that's what is putting me off as well. We are going away for 12 days at May half term to Majorca with my parents (they're paying), so its not like we aren't going away at all.
    HOME
    Original mortgage free date Nov 2037
    Mortgage free August 2018

    Additional properties
    Mortgage 1 £108,000
    Mortgage 2 £51,000
    Teacher pension - DB scheme
    LGPS pension - DB scheme
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