Thanks Mum this is for you...single gal, a pony and a mission to beat the mortgage

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Good morning world 
As the title of the diary this is me a single gal, a pony and a mission to beat the mortgage.
Have had lots of diaries before on the DFW board but have managed to get free, have had so many changes in my life that am hoping to go on an upward trend now and beat my mortgage into submission.
So brief history....am 38, have a horse and a hamster
I bought my current house with my ex, we split up and he has moved on but was trying to buy him out this started June 2014...roll forward to october 2015 and my mum suddenly got very ill, diagnosed with terminal cancer and died within 2 weeks
So from then until now has been 6 months of pure hell. Everything that could have been thrown at my family has, this includes major injury for the hoss 10 days after my mum died resulting in 5 stitches and £1200 vet bill, my dad having a fall, worries about dad and current living situation and then him being diagnosed with Alzheimers, just to name a few.
A lot has gone on, but we have sold my dads house, sold my sisters house and my dad is now living in a larger property with my sister, her hubbie and 6 year old boy. Just moved in a few weeks ago but hopefully life will settle down.
The upside to this all is that dad gifted me part of the money from his estate which enabled me to become debt free (earlier although was working on it quite well), it also enabled me to buy my ex out, decrease the mortgage enough to take on myself.
So now we are here today
Today is a special day to start this diary as it is my mums birthday, she would have been 71 today, so this forward venture in my life is dedicated to mum :A

As the title of the diary this is me a single gal, a pony and a mission to beat the mortgage.
Have had lots of diaries before on the DFW board but have managed to get free, have had so many changes in my life that am hoping to go on an upward trend now and beat my mortgage into submission.
So brief history....am 38, have a horse and a hamster


A lot has gone on, but we have sold my dads house, sold my sisters house and my dad is now living in a larger property with my sister, her hubbie and 6 year old boy. Just moved in a few weeks ago but hopefully life will settle down.
The upside to this all is that dad gifted me part of the money from his estate which enabled me to become debt free (earlier although was working on it quite well), it also enabled me to buy my ex out, decrease the mortgage enough to take on myself.
So now we are here today

Debt as of 6-5-18 £8063.45 :cool:
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I have a mortgage which is £100K, have about 68% equity in the house already so a good start. Have a tracker mortgage so rates are low, repayment and if leave to term will have it paid of just after my 58th birthday, but no dont want that, want it paid of much earlier
Have a lodger at the moment, did have him to help pay bills before bought ex out, dont "need" the money but is useful to keep to build up savings etc.
So brief SOA:
Income £1578
Lodger £400
Outgoings:
Mortgage £476]
Council Tax £176
Electricity £35
Gas £16
Water Rates £37
Virgin (TV, broadband, phone) (on basic tv package) £45
TV Licence £12.12
A/C fee (get car breakdown, plus rewards, works out cash neutral) £18
Mobile £15
Fuel £60
Horse rent £182
Horse food £100
My food £100
Misc spending £100
Farrier £16
This leaves me approx £600 "spare".
So have some targets:
Emergency fund - £5K target - currently have £2.3K
Insurance (car mot, service etc, house, car insurance £1153 - currently have £229
House £1K - for general repairs - currently have £158
Horse - £1140 - for emergencies and annual bills - currently have 0
Holidays - £500 - currently have £151
Fun - £1K - days out etc, currently have 70p
Also have a savings builder account - no target yet
With my "spare" money have set up standing orders so have:-
£100 to savings builder (best interest)
£50 to fun
£100 to horse
£50 to house
£100 to insurance
£100 to emergency
With these standing orders should reach goals in about 12 months, hopefully less.
Am due in £500 from sister from bills paid out on her behalf recently, this will go straight to holiday fund for now. Also due £700 from mortgage overpayment on old mortgage, this will go straight to insurance fund.
I do things like surveys, ebay etc and they do help bring in the pennies, they are no big deal so for now happy to carry these on.
I do have a holiday booked in a few weeks time, but dont worry and panic folks its a free one won of the comp board here
Today for now, as its mums birthday, oh and payday (:)) am going to get mum some flowers, have cash in purse so no spends to be taken out of bank on new budget day, and go and sit in the sun with her at lunchtime, as the graveyard is just up the road from where I work and is such a nice pleasant setting
thank you, heres hoping, onwards and upwards
I'm not as eloquent as some of the forum members above but wanted to echo their sentiments. Keep the fab attitude, andkeep on going. We're all here to cheer you on
New forever home- Sep’21 £309,449 @ 2.05%. Plan to clear it before 30 years!!!!!!
I'm sure she'll be reading with pride, just how far your come in such a sort time
Ps, I am starting to feel left out as so many on here have horses now!