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New Diary, New Start-mortgage be gone

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  • tattycath
    tattycath Posts: 7,175 Forumite
    Part of the Furniture 1,000 Posts
    From the targets I made for 2016, I am pleased to say I'm half way to target with mortgage payments, :j

    The loft is a steady work in progress

    I am selling loads of stuff and I've already donated loads of stuff to charity in a vain attempt to get rid of some stuff.

    Maintenance and essential jobs are underway

    Decorating is on a back burner, temporarily

    Emergency fund and project fund appear to have merged a bit...I think I have about 2.5 k but that may go down a bit this week. So I still have a long way to go to have the comfortable cushion of savings I would like to have.

    So despite everything, even though the start of this year was rubbish and certain things have recently happened that have not been helpful, I'm still pretty happy with progress so far. :j
    GE 36 *MFD may 2043
    MFIT-T5 #60 £136,850.30
    Mortgage overpayments 2019 - £285.96
    2020 Jan-£40-feb-£18.28.march-£25
    Christmas savings card 2020 £20/£100
    Emergency savings £100/£500
    12/3/17 175lb - 06/11/2019 152lb
  • A_Frayed_Knot
    A_Frayed_Knot Posts: 3,308 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Photogenic
    tattycath wrote: »
    I have just spent 5 minutes finding this 2016 targets post...sums up my life really, the fact that I couldn't find it.
    I am so disorganised. I'm sure there's a book for that-how to be more organised....I'm open to any hints, tips and ideas. All suggestions welcome :)


    How about adding your target list for the year to your 1st post, that way you'll always find it, and change it year on year :D

    As for selling loads of stuff - All suggestions welcome :)
    Always have 00.00 at the end of your mortgage and one day it will all be 0's :dance:
    MF[STRIKE] March 2030[/STRIKE] Yes that does say 2030 :eek: Mortgage Free 21.12.18 _party_
    Now a Part Timer from 27.10.19
  • tattycath
    tattycath Posts: 7,175 Forumite
    Part of the Furniture 1,000 Posts
    How about adding your target list for the year to your 1st post, that way you'll always find it, and change it year on year :D

    As for selling loads of stuff - All suggestions welcome :)

    That's a brilliant idea! Thank you.

    Re. Selling loads of stuff...
    I have loads of stuff because I love buying clothes...it's great at the time and then I end up with loads of clothes I've either never or hardly ever worn...or so many that they won't all fit where they are supposed to live, or they don't look as good on me as I first thought.

    I start hobbies and collections, full of enthusiasm and then I either don't have time or I run out of steam or the enthusiasm leaves me and I get bored. Sometimes I just start one thing after another and then I've got too much going on so I just put them to one side, I always mean to go back to them later but... This is just a small insight as to why I am never short of something to sell/get rid of.
    I currently sell on the bay. I am looking into other selling platforms
    Ebid-I have tried on there before and it was rubbish
    Etsy-I think is for selling stuff you've crafted/made yourself and I'm just getting rid of stuff I no longer need or want, so that's no good for me.
    Folksy is like etsy
    Selling on facebook...I might try that, if successful there will be no fees
    Too much going on in my life to do carboots as well
    So, eBay and Facebook...if anyone can suggest any others that would be great.
    GE 36 *MFD may 2043
    MFIT-T5 #60 £136,850.30
    Mortgage overpayments 2019 - £285.96
    2020 Jan-£40-feb-£18.28.march-£25
    Christmas savings card 2020 £20/£100
    Emergency savings £100/£500
    12/3/17 175lb - 06/11/2019 152lb
  • A_Frayed_Knot
    A_Frayed_Knot Posts: 3,308 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Photogenic
    tattycath wrote: »
    That's a brilliant idea! Thank you.

    Re. Selling loads of stuff...
    I have loads of stuff because I love buying clothes...it's great at the time and then I end up with loads of clothes I've either never or hardly ever worn...or so many that they won't all fit where they are supposed to live, or they don't look as good on me as I first thought.

    Sounds just like me - although I since starting my diary have cut right down

    I start hobbies and collections, full of enthusiasm and then I either don't have time or I run out of steam or the enthusiasm leaves me and I get bored. Sometimes I just start one thing after another and then I've got too much going on so I just put them to one side, I always mean to go back to them later but... This is just a small insight as to why I am never short of something to sell/get rid of.

    Sounds just like me, don't seem to have the time for hobbies, since starting my diary, hmmm - wonder why - might have something to do reading/writing in diaries
    I currently sell on the bay. I am looking into other selling platforms
    Sounds just like me
    Ebid-I have tried on there before and it was rubbish - not for me
    Etsy-I think is for selling stuff you've crafted/made yourself and I'm just getting rid of stuff I no longer need or want, so that's no good for me. Would be good for me - but never tried it
    Folksy is like etsy - not for me
    Selling on facebook...I might try that, if successful there will be no fees - Jury out on that one
    Too much going on in my life to do carboots as well - No car, but would love to do these, only trouble is would probably come back with more than I started with
    So, eBay and Facebook...if anyone can suggest any others that would be great.



    Gumtree is good, have only sold a couple of items on there :) and bought a few :o
    Always have 00.00 at the end of your mortgage and one day it will all be 0's :dance:
    MF[STRIKE] March 2030[/STRIKE] Yes that does say 2030 :eek: Mortgage Free 21.12.18 _party_
    Now a Part Timer from 27.10.19
  • tattycath
    tattycath Posts: 7,175 Forumite
    Part of the Furniture 1,000 Posts
    Gumtree is good, have only sold a couple of items on there :) and bought a few :o

    Ooh, never thought of selling on gumtree. Thanks for this AFK.
    Also, someone has mentioned something called shpock? So I might look into that too.
    GE 36 *MFD may 2043
    MFIT-T5 #60 £136,850.30
    Mortgage overpayments 2019 - £285.96
    2020 Jan-£40-feb-£18.28.march-£25
    Christmas savings card 2020 £20/£100
    Emergency savings £100/£500
    12/3/17 175lb - 06/11/2019 152lb
  • tattycath
    tattycath Posts: 7,175 Forumite
    Part of the Furniture 1,000 Posts
    tattycath wrote: »
    New targets for July:

    Make £200 from stuff I no longer need or want
    Continue to get loft sorted
    [STRIKE]Plumbing work[/STRIKE]
    Electrical work
    Sort out shed*
    Sort storage space
    Kon Marie clothes again-I think they must be breeding up there!
    Save £300
    Overpay on mortgage
    Sort out inventory of food
    Menu plan
    [STRIKE]Sort out and pay change into savings[/STRIKE]

    I think that's more than enough to be going on with. :)

    Just an update. :)
    GE 36 *MFD may 2043
    MFIT-T5 #60 £136,850.30
    Mortgage overpayments 2019 - £285.96
    2020 Jan-£40-feb-£18.28.march-£25
    Christmas savings card 2020 £20/£100
    Emergency savings £100/£500
    12/3/17 175lb - 06/11/2019 152lb
  • tattycath
    tattycath Posts: 7,175 Forumite
    Part of the Furniture 1,000 Posts
    Saturday morning and all is well...apart from the deluge of rain!
    Washing in, dryer on...
    Just had a cuppa and trying to get motivated to get some of my 'to do' list completed...or even started. :o
    GE 36 *MFD may 2043
    MFIT-T5 #60 £136,850.30
    Mortgage overpayments 2019 - £285.96
    2020 Jan-£40-feb-£18.28.march-£25
    Christmas savings card 2020 £20/£100
    Emergency savings £100/£500
    12/3/17 175lb - 06/11/2019 152lb
  • A_Frayed_Knot
    A_Frayed_Knot Posts: 3,308 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Photogenic
    Ha, same as me but dryer is not going on . . . .
    Always have 00.00 at the end of your mortgage and one day it will all be 0's :dance:
    MF[STRIKE] March 2030[/STRIKE] Yes that does say 2030 :eek: Mortgage Free 21.12.18 _party_
    Now a Part Timer from 27.10.19
  • tattycath
    tattycath Posts: 7,175 Forumite
    Part of the Furniture 1,000 Posts
    Ha, same as me but dryer is not going on . . . .

    We've got a lot going on at the moment and haven't got the space to have washing hung up anywhere. :(
    The tumble dryer is a necessary expense. I also have a wash basket full of washing that needs doing this weekend. :( interspersed with all the other stuff that needs doing.
    GE 36 *MFD may 2043
    MFIT-T5 #60 £136,850.30
    Mortgage overpayments 2019 - £285.96
    2020 Jan-£40-feb-£18.28.march-£25
    Christmas savings card 2020 £20/£100
    Emergency savings £100/£500
    12/3/17 175lb - 06/11/2019 152lb
  • A_Frayed_Knot
    A_Frayed_Knot Posts: 3,308 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Photogenic
    Luckily I have space, and if the washing's on then the dryer is not, one and the same.

    Still not made it out the door- yet - having another cuppa after having a shower and drying hair.
    Always have 00.00 at the end of your mortgage and one day it will all be 0's :dance:
    MF[STRIKE] March 2030[/STRIKE] Yes that does say 2030 :eek: Mortgage Free 21.12.18 _party_
    Now a Part Timer from 27.10.19
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