£195,000 mortgage for a single mum!

pollyanna24

Need to update my signature.

March Signature
House Worth (approx) - £350,000
Mortgages (3rd March 2016) - £194,723.57
Equity - £155,276.43

April Signature
House Worth (approx) - £350,000
Mortgages (5th April 2016) - £192,852.65
Equity - £157,147.35

Floxxie

Impressive overpayments!

Your reasons for petrol spends made me laugh :rotfl:

pollyanna24

I've received the letter from Nationwide with my new payments as I made an overpayment of more than £500.

My total monthly mortgage payment is now £774.38 down from

£800.50 in March, and
£778.57 in April,

so getting there... slowly, very slowly!

£252.34 is what is left in the kitty for personal spends, spends on girls and groceries.

I've allocated £100 (not out of the above, but out of savings) for Haven (dinners out) with another £10 per child each for wasting in the arcades. Once the money has gone, they ain't getting no more!

chelseablue

Very well done!


Our monthly payment is £722, so your catching me up :-D


We're with Halifax and when you overpay they don't change your monthly payment, until the fixed rate is up.


When our fix is up I'd like to move to Nationwide if their deals are good at the time

keza

your doing such a fantastic job. I envy you! I used to be so organised then DD came along and with two of them, my finances are in tatters.

Im trying to get a better hold of them ready for when we move house and start our own mortgage free journey so I will be sticking around to get some tips from you

Well done x

keza

p.s - how do you keep your shopping budget so low? I already meal plan but have a fussy 4 year old and a 7 month old who eats me out of house and home! oh and a carnivore for a husband. any tips? :$

pollyanna24

keza wrote: »

p.s - how do you keep your shopping budget so low? I already meal plan but have a fussy 4 year old and a 7 month old who eats me out of house and home! oh and a carnivore for a husband. any tips? :$

I do keep a list of everything that I spend per month, so I could have a looksie at it, but I reckon it's because I don't have an OH and I hear they eat a lot (my ex did anyways).

My two girls go to their dad's every other weekend as well which helps. I don't spend a lot on my own groceries when they are away (or I go to Mum's who feeds me!).

My youngest insists on school dinners which is great at the moment as it's free until Yr3.

Other than that, I buy a lot of reduced stuff when I can.

pollyanna24

Main Meals etc.
2 x Chickens.........................7.88
52 Fish Bites.........................5.99
Chicken Breast......................5.50
8 x Gammon Steaks...............4.40
4 x Bolognese Sauces.............4.00
Swedish Meatballs.................3.75
30 x Mini Kievs.....................3.00
6 x Pizzas............................2.60
24 x Sausages......................2.49
20 x Fish Fingers..................2.00
Ravioli................................2.00
Curly Fries..........................1.69
2 x Tins Beans/Sausages.......1.50
10 x Potato Waffles..............1.48
10 x Hotdogs.......................1.00
Chicken Chow Mein...............0.45
.......................49.73

Everyday Things
Turkey Slices......................9.00
36 x Actimels......................5.25
32 x Laughing Cow Triangles..4.68
24 x Frubes ........................4.00
16 x WW Yogurts.................4.00
4 x Salami..........................4.00
11 x Pints of Milk.................3.95
4 x Loaves of Bread..............3.50
Cheese...............................3.49
640g Philadelphia.................3.20
Ham..................................3.00
12 x Cheese Strings..............3.00
1.5kg Butter........................3.00
8 x Muller Corners................2.91
10 x Rolls...........................2.15
6 x Peppa Pig Yogurts...........1.00
Baguettes...........................0.66
........................60.79

Store Cupboard
8 x Bottles of Squash............5.10
20 x Mini Pepparami.............4.00
6 x Microwave Popcorn.........3.49
4 x Bottles of Schloer...........3.00
190g x Coffee......................2.99
5 x Pepparami.....................2.00
Cocoa................................2.00
12 x Packets of Wotsits.........2.00
4 x Tins of Soup...................1.90
300g x Cheese Sauce............1.86
Almond Milk........................1.77
12 x Eggs...........................1.75
Olives / Feta Cheese.............1.60
6 x Pom Bears.....................1.59
Baking Powder.....................1.31
1lr x Vegetable Oil...............1.10
Ryvita................................1.00
Cheese Crackers..................1.00
1.5kg x Salt........................0.91
Double Cream.....................0.84
Krackawheat.......................0.75
200g x Gravy......................0.68
2 x Crackers.......................0.54
2l x Diet Lemonade..............0.54
Coke................................. 0.42
.......................44.14

Fruit/Veg
3 x Watermelon Portions.......3.81
Strawberries.......................3.00
Babycorn............................2.56
Frozen Berries.....................2.00
Grapes...............................2.00
Clementines........................1.85
1kg x Frozen Sweetcorn........1.50
Spinach..............................1.47
Potatoes.............................1.03
2 x Cucumbers....................0.87
Melon ................................0.87
Mango...............................0.72
Carrots..............................0.62
6 x Bananas........................0.60
Broccoli..............................0.27
Onions...............................0.12
........................23.29

Sweet Stuff
34 x Cereal Bars..................5.74
40 x Chocolate Bread............5.37
16 x Kitkats........................2.00
4 x Icing Pens.....................2.00
2 x Kinder Eggs...................1.60
1kg x Caster Sugar...............1.48
2 x Chocolate Sauces............1.30
Chocolate Biscuits................1.00
8 x Orange Club...................1.00
Silver Cake Balls..................0.86
Chocolate Eclair...................0.56
454g x Strawberry Jam.........0.27
........................23.18

Toiletries
Liquid Eyeliner.....................5.20
Hair Dye.............................4.99
Daughter Listerine................2.69
12 x Toilet Paper..................2.00
Listerine.............................2.00
2 x D2 Toothpaste................2.00
2 X Deodorant.....................2.00
2 x D2 Mouthwash................1.89
Bubble Bath........................1.30
Shampoo............................1.00
Conditioner.........................1.00
Toothpaste.........................1.00
12 x Tampons..................... 0.89
Babywipes..........................0.67
........................28.63

Cleaning
Washing Powder (45 Washes) ..5.50
1lr x Washing Up Liquid .........0.64
.........................6.14

Household
Tester Paints for Bedrooms....5.16
Hallway Heart Decoration......3.99
Hallway Hearts Frame..........2.99
Food Refuse Bags .................2.75
12 x Tupperware Tubs...........2.00
........................16.89

Medicines
Cough Medicine....................4.00
.........................4.00

.........................256.79

pollyanna24

The above was for March and yes, it has been said I'm a bit anal when I record every single thing I buy!!!

chelseablue

Can I be nosy and ask where you do your food shopping?


I've recently started going to Aldi