A Journey of Many Pounds Starts With a Single Penny

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  • LadyGnome
    LadyGnome Posts: 801 Forumite
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    Its payday today so money shuffle tonight. The pre payday account tidy up moved an extra £15 into each pot which all helps.
    MortgageStart Nov 2012 £310,000
    Oct 2022 £143,277.74
    Reduction £166,722.26
    OriginalEnd Sept 2034 / Current official end Apr 2032 (but I have a cunning plan...)
    2022 MFW #78 £10200/£12000
    MFiT-6 #28 £21,772 /£75000
  • AlexLK
    AlexLK Posts: 6,125 Forumite
    Debt-free and Proud!
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    I dread the day my son goes on a school residential trip, never mind when he leaves home. :(
    2018 totals:
    Savings £11,200
    Mortgage Overpayments £5,500
  • LadyGnome
    LadyGnome Posts: 801 Forumite
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    Alex
    That's why they turn into teenagers so you can contemplate the idea of them leaving;)


    The first time the eldest went for 2 nights aged 8 it was strange but it is a very gentle way for them to get a little taste of independence. He enjoyed it so much that I was able to put my own feelings aside and be glad he had a good time. (They went to PGL so were really busy).


    I have worked with a couple of people who went to boarding prep at 7 and I don't know how their parents made that decision - I couldn't.
    MortgageStart Nov 2012 £310,000
    Oct 2022 £143,277.74
    Reduction £166,722.26
    OriginalEnd Sept 2034 / Current official end Apr 2032 (but I have a cunning plan...)
    2022 MFW #78 £10200/£12000
    MFiT-6 #28 £21,772 /£75000
  • zcrat41
    zcrat41 Posts: 1,728 Forumite
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    Hi Lady, I'm a fairly new convert to this board but I wanted to say how much I enjoy your diary. I really like your way of splitting you money 3 ways - I might steal it!
    It's really nice to hear about someone with very MSE ways with kids at private school too - we'll be starting ours on that journey next year and I've been a bit worried that our outlook might be a bit out of step with other parents so it's reassuring to see there's at least one other out there like us!
    Look forwards to reading more of your successes!
  • AlexLK
    AlexLK Posts: 6,125 Forumite
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    :rotfl: Of course, LadyGnome!

    I understand re. boarding but my son will not be going. Probably no surprises there, though. ;)
    2018 totals:
    Savings £11,200
    Mortgage Overpayments £5,500
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
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    XBox working nicely thanks Lady G...OH monopolising it, having bought an older version of Tomb Raider this week.. :rotfl: .. Purchase wasn't MSE but second hand games are.

    Enjoy the summer
    MFiT-T4 Member No. 96 - 2022 is my MF goal :D
    Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
    Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T
  • Busy_Mee1
    Busy_Mee1 Posts: 1,015 Forumite
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    Just popping in to say hello, been busy at work all week so just catching up on a few diaries.
    Hope the holidays are going well
  • LadyGnome
    LadyGnome Posts: 801 Forumite
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    Hello everyone, I am just back from visiting MrGnome's family in North Africa which was warm.


    Thanks for your posts.

    zcrat41 wrote: »
    Hi Lady, I'm a fairly new convert to this board but I wanted to say how much I enjoy your diary. I really like your way of splitting you money 3 ways - I might steal it!
    It's really nice to hear about someone with very MSE ways with kids at private school too - we'll be starting ours on that journey next year and I've been a bit worried that our outlook might be a bit out of step with other parents so it's reassuring to see there's at least one other out there like us!
    Look forwards to reading more of your successes!


    I think there are a few of us juggling a mortgage and school fees and lots of parents saving up with an eye to university costs as well. One of the things I like about this board is there is a mixture of situations so you get to see lots of different approaches.
    AlexLK wrote: »
    :rotfl: Of course, LadyGnome!

    I understand re. boarding but my son will not be going. Probably no surprises there, though. ;)



    I can't say that comes as a complete surprise to me! If you are in the forces or work overseas I can see why it might be a good choice but otherwise I am not sure.
    brizzledfw wrote: »
    XBox working nicely thanks Lady G...OH monopolising it, having bought an older version of Tomb Raider this week.. :rotfl: .. Purchase wasn't MSE but second hand games are.

    Enjoy the summer


    So you know who is the biggest kid in the family...:rotfl:

    Busy_Mee_1 wrote: »
    Just popping in to say hello, been busy at work all week so just catching up on a few diaries.
    Hope the holidays are going well
    Holidays are going well but sadly its back to work for me. I hope you are enjoying yours.
    MortgageStart Nov 2012 £310,000
    Oct 2022 £143,277.74
    Reduction £166,722.26
    OriginalEnd Sept 2034 / Current official end Apr 2032 (but I have a cunning plan...)
    2022 MFW #78 £10200/£12000
    MFiT-6 #28 £21,772 /£75000
  • LadyGnome
    LadyGnome Posts: 801 Forumite
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    Back from holiday. I will need to update my signature in the next day or so. I did the money shuffle just before I went away so I still need to fully update my spreadsheet. I have all the numbers noted down but haven't yet input them all.
    MortgageStart Nov 2012 £310,000
    Oct 2022 £143,277.74
    Reduction £166,722.26
    OriginalEnd Sept 2034 / Current official end Apr 2032 (but I have a cunning plan...)
    2022 MFW #78 £10200/£12000
    MFiT-6 #28 £21,772 /£75000
  • LadyGnome
    LadyGnome Posts: 801 Forumite
    First Anniversary Name Dropper First Post Combo Breaker
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    Not much to report today. I've updated my signature and spending isn't too bad, especially as my bank card has been cancelled due to someone attempting to withdraw money in a far flung bit of Asia whilst I was in London with the card. Luckily the bank's fraud protection team picked it up straight away, declined the withdrawal and blocked the card. So I will be sticking to cash for the next few days until my new card arrives.


    I did get my £20 from the Bank of England Mutilated Note service. It came through within a week. I now have a bank account credit called Mutilated Note (it sounds like a student heavy metal band).
    MortgageStart Nov 2012 £310,000
    Oct 2022 £143,277.74
    Reduction £166,722.26
    OriginalEnd Sept 2034 / Current official end Apr 2032 (but I have a cunning plan...)
    2022 MFW #78 £10200/£12000
    MFiT-6 #28 £21,772 /£75000
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