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sarahevie's single quest to mortgage freedom

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  • beanielou
    beanielou Posts: 95,421 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Positive vibes for remortgage.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Seanymph
    Seanymph Posts: 2,882 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Be careful - he could not pay maintenance for three years and THEN walk away with half the house!

    Protect yourself.

    As for memories, I recommend a tent. We have lots of those memories.
  • sarahevie1
    sarahevie1 Posts: 630 Forumite
    Sixth Anniversary 500 Posts Combo Breaker Mortgage-free Glee!
    No spend day. Girls had dentist appointment. Was fairly long drive as the nearest available nhs dentist is 25 miles away.

    Dd1 been feeling low this afternoon, tummy ache and temperature. So had cuddles on sofa with a film. I don't have live TV. Didn't work when we moved in and never felt the need to fix it.

    Girls did a show earlier, complete with dress ups, dd1 made back drops, and dd3 chose music. It was basically them singing along to their frozen CD but kept them entertained for hours.
    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
  • sarahevie1
    sarahevie1 Posts: 630 Forumite
    Sixth Anniversary 500 Posts Combo Breaker Mortgage-free Glee!
    Spent two hours before bed playing ludo, the frozen version dd2 got for her birthday. Ex came round to see girls and we were all belly laughing playing it - think lodger thinks we're insane.

    Had a text from a friend been invited to the park tomorrow. 9 of us going so should be great just need to bring some picnic stuff to share. Another cheap day.
    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
  • sarahevie1
    sarahevie1 Posts: 630 Forumite
    Sixth Anniversary 500 Posts Combo Breaker Mortgage-free Glee!
    Cheap day at the park not so. Set off an hour early to find a free parking spot, as Harrogate is heavily permitted. Anyhow had to admit defeat, my usual haunts 1 mile out are permitted Monday to Friday.

    So parking a massive £9.80.
    Took a picnic but as we were out 9 hours treated girls to an ice cream £4. Bouncy castle £4.
    Picnic £12.50 but will get another three meals from it.
    £2 drink for me. Took four cartons and a bottle of water but because we were out so long had to buy a drink.

    Had an amazing day with great friends, cost per hour Inc food and drink £3. To make it cheaper next time, bring more drinks, scout free parking.
    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
  • Ali-OK
    Ali-OK Posts: 4,073 Forumite
    Part of the Furniture Debt-free and Proud!
    Just read through and caught up - you're incredibly resilient and doing amazingly well :T

    Fingers crossed for the remortgage :)
    Back on the DFW Wagon:

    CC - £3,300 on 0% til 04/2020
    CC - £4,500 on 0% til 02/2019
    Loan - £12,063.84 as at 4/1/18
  • sarahevie1
    sarahevie1 Posts: 630 Forumite
    Sixth Anniversary 500 Posts Combo Breaker Mortgage-free Glee!
    It's all about the small victories. Ex has been round tonight. Said to kids did they want a takeaway, then didn't bother to order one. So just ignored him saying he'd arrange as tea, as it inevitably doesn't happen.

    Made chicken in breadcrumbs using aldi fillets at about 7 for £5. Dessert raspberries. Shouted girls for tea, to a little resistance, so offered that they could have a slice of pizza when it arrived. Girls finished tea happy and fed. Dd2 helped herself to an apple at bedtime.

    Asked ex where the pizza was, he never ordered it as minimum order was £10.
    Victory one girls had a nutritious tea
    Victory two ex didn't waste money on a pizza.
    Victory three girls realised they didn't want a pizza after all.
    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
  • sarahevie1
    sarahevie1 Posts: 630 Forumite
    Sixth Anniversary 500 Posts Combo Breaker Mortgage-free Glee!
    Spendy day already.

    Bought some clothes off a local Facebook site. £25 but included 7 dresses, 4 tops, 2 cardigans, 5 jumper dresses and 5 pairs of matching leggings. Will fit dd1 this year and dd2 next.

    Other than school uniform shouldn't need anything for dd1 and 2 until next year. May start a clothing challenge. So no more than £200 for the year or something. Will have a think.

    Still on the hunt for dd3 as she will need new clothes come autumn. As I buy pretty much everything second hand it often doesn't last to dd3.

    My car was out of petrol £40 to fill.
    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
  • That clothing challenge sounds good, I need to do something like that. About two years ago I was obsessed with dressing my girls in Boden. I still love it but have realised it's unnecessary!!!
  • sarahevie1
    sarahevie1 Posts: 630 Forumite
    Sixth Anniversary 500 Posts Combo Breaker Mortgage-free Glee!
    That clothing challenge sounds good, I need to do something like that. About two years ago I was obsessed with dressing my girls in Boden. I still love it but have realised it's unnecessary!!!

    Gosh I love mini boden too, I sometimes find it more economical to buy better to pass on, rather than buying cheap that you have to replace. I've got some joules things that have done all three of mine. I find m&s everything pretty good as well. I used to buy all the girls nightwear, coats, jumper dresses from there and they have lasted really 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
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