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sarahevie's single quest to mortgage freedom

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  • Ali-OK
    Ali-OK Posts: 4,073 Forumite
    Part of the Furniture Debt-free and Proud!
    How about joining the 'Crazy Clothes Challenge' over on the DFW challenges board - I had a target of £120 last year for DS and I and came within it - allows for clothing cost neutral too with using vouchers earnt or eb@y sales etc.

    It's the shoes for DS that cripple my budget - he's adult size now and still growing so Clarks it is...@ £70 a pair :eek:. Luckily got him a pair half price in the sale last summer so £35, much better :) and they lasted well as he's not cursed by lunchtime football :)
    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
  • Well done on your clothes bargains! :T:T:T How frustrating of your ex to tempt the children with a takeaway and then not order one, well done on being a step ahead and ignoring him. :)

    MGx
    :jMortgage free 08.08.19 :j
    2018: £19410.25 / £9,300 2017: £7646.64 / £11,000 2016: 4557.98 / £11,000 2015: £10,230.37 / £11,000 2014 =£6703.26 / £11,000 2013 = £4288.51 / £8000 2012 = £1600/£5000 2011 = £2579/£3000
    MF date was Nov 2041 - mortgage neutral 23.07.18

  • Ali-OK wrote: »
    How about joining the 'Crazy Clothes Challenge' over on the DFW challenges board - I had a target of £120 last year for DS and I and came within it - allows for clothing cost neutral too with using vouchers earnt or eb@y sales etc.

    It's the shoes for DS that cripple my budget - he's adult size now and still growing so Clarks it is...@ £70 a pair :eek:. Luckily got him a pair half price in the sale last summer so £35, much better :) and they lasted well as he's not cursed by lunchtime football :)

    Thanks I've just joined it!
  • sarahevie1
    sarahevie1 Posts: 630 Forumite
    Sixth Anniversary 500 Posts Combo Breaker Mortgage-free Glee!
    I've decided to try and spend no more than £200 on clothes between now and Christmas. DDS uniform last year cost £195 so will have to be pretty frugal. It's the shoes that do it.

    Spendy day. £20

    Dd2 was invited to a soft play party but had to pay entrance for the other two, £8. Needed some wrapping paper £1.

    After the party we spontaneously went to roundhay park, had vouchers for the land train, half price but still cost £4.50. On our way back to the car, parked about a mile away from park, to get a space, save on fees. Due to going out spontaneously bought girls lunch.

    Stopped in at our local shop on way home. Got three huge bags of shopping for £4.40. Everything was 20p, 30p. Meatballs, Miller yoghurts, Covent garden soup, mince, petit filous, cheese, cherry bakewells, mini battenburgs, bread, biscuits, even Tetley tea bags.

    Star buy of the day was the 72 packs of fairy dishwasher tablets for 5p, restricted to three per customer but stocked up at that price.

    Invited for a drink in a pub this evening, girls and I had a lovely time. I bought a lemonade girls had water. £2.40
    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!
    Well done on your clothes bargains! :T:T:T How frustrating of your ex to tempt the children with a takeaway and then not order one, well done on being a step ahead and ignoring him. :)

    MGx

    Thanks, I don't think he does it deliberately just thinks aloud.

    I'm actually pretty impressed he found the minimum order too high and avoided buying it. Anyone who can remember my struggles with him and debt before will know he's come a long way.
    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
  • beanielou
    beanielou Posts: 95,488 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Blimey awesome awesome food bargains :j :j
    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.
  • Ali-OK
    Ali-OK Posts: 4,073 Forumite
    Part of the Furniture Debt-free and Proud!
    Agree with Beanie and the dishwasher tabs - worth stocking to the max allowed at 15p :D
    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
  • Brodiebobs
    Brodiebobs Posts: 1,032 Forumite
    Part of the Furniture 500 Posts
    just discovered your diary good to see you back.

    Your doing an amazing job and also sending positive vibes on the mortgage application. Subscribed.
  • sarahevie1
    sarahevie1 Posts: 630 Forumite
    Sixth Anniversary 500 Posts Combo Breaker Mortgage-free Glee!
    Another good day.

    School uniform shopping.

    £34 Clark's shoes for dd1. Had to replace dd2s in March so only one pair to buy.
    £33 on two dresses, drinks bottles, stationary, pants, polo shirts. Staff discount used.
    £12.50 pumps ×2. Joggers for pe. £2.25 5 pants of knickers ×2. These were heavily reduced and dd2 loves peppa pig.

    To buy two pinafore dresses, cycling shorts for pe.
    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!
    Fitness today, walked round multiple shops. Dds had swimming lessons.
    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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