Giblet's mortgage free journey

A_Frayed_Knot · 12 October 2016 at 5:41PM

giblet1979 wrote: »

£33.74 OP just sent to the mortgage (petrol, yesterdays non-spends and a tilly tidy to the next 00 - AFK would be happy although it's not the mortgage balance as I can't see that round off in real time )

:j Your right

very happy

can't see it in real time, make up a virtual spreadsheet and hey presto - you can see it

giblet1979 · 13 October 2016 at 8:21AM

Morning all,

dolly - a long term plan is the best kind (with lots of little achievable goals in the meantime). I guess this is a lifestyle change (in the same way as 'diets' don't really work if you return to old habits). More a new mindset

mrsp - it is so hard leaving friends but sometimes a change is the best option. Always an excuse for a catch up over a cup of tea if you're able to go back too

Congratulations on getting to target at SW - I need to take some inspiration from you. Atm I'm only able to eat mush due to abcesses which led me to excuse myself to eat a full tub of ice cream last night (oops). Not sure the scales will be friendly to me tonight at weigh in.....

AFK, I'm useless with spreadsheets. I did do YNAB for a while, but couldn't get it right. I find it much easier to tilly tidy my current account (and may start doing the same with the joint) but I might return to the idea of a spreadsheet in future. I'd like one that immediately tells me how much I'm saving in interest by a small overpayment. Being addicted to the MSE overpayment calculator is great, but I think it would be even more encouraging to see those very small additional payments add up! Do you know of any that would do that please or where I could look? Could get DH to help me understand it...

Well I'm back to work today, but going to the GP first (hence the posting now). Have to admit that so far, I'm thinking that I should really stay off work as the pain is bad, but going to take some more painkillers and 'suck it up'. I can always come home if I can't cope, and the thought of trying to find time to rearrange all my work is depressing (next week is ridiculously busy as it is, and I'm losing my weekend due to treatment under sedation tomorrow that'll stop me from driving, and possibly functioning!)

Hope everyone has a good day; hoping for a NSD apart from planned SW group fees

Gib xx

[Deleted User] · 13 October 2016 at 8:35AM

Very true gib, I have everything all set out for the next 5 years so far, driving my poor DH insane with it I think but we are only going to benefit from this so he will be happy about it in the long run.

Aw hope you feel better with the painkillers, know what you mean about work being busy!

Dxxx

giblet1979 · 13 October 2016 at 10:22PM

Thanks dolly; I'm sure your DH will be delighted when you're rolling in the money having beaten the banks and become debt and mortgage free so your income is all yours to do with what you please....
It's a lovely thought!
NSD apart from class fees (£9.90) so happy with that. Got through work and very glad I went in. 2/3 of a day to get through tomorrow then dental surgery (gulp..scared!)
Hope everyone's days have gone well
Gib xx

A_Frayed_Knot · 14 October 2016 at 7:20AM

giblet1979 wrote: »

AFK, I'm useless with spreadsheets. I did do YNAB for a while, but couldn't get it right. I find it much easier to tilly tidy my current account (and may start doing the same with the joint) but I might return to the idea of a spreadsheet in future. I'd like one that immediately tells me how much I'm saving in interest by a small overpayment. Being addicted to the MSE overpayment calculator is great, but I think it would be even more encouraging to see those very small additional payments add up! Do you know of any that would do that please or where I could look? Could get DH to help me understand it...

Well I'm the same

so I just make up a column with mortgage figure on it then in another put my o/p in it, then subtract that from my mortgage figure giving me my nice xx,x00.00 mortgage figure, that's the up to date one

Hope surgery is OK, I always find the thought is worse than the actual procedure itself, and your having it done at exactly the right time, at the end of the day and then the weekend to follow. Remember I had chronic toothache pain at night, climbing the walls, etc, etc, Rummaging the cupboards for that miniature whisky that we got years ago as a favour at a wedding (knew it would come in handy, sometime

) it was either that or jump out the window :eek: never had pain like it and hope I don't again.

Oh, here's the calculator I got from Sue (Spreadsheet Diva

), love it, hope you find it's what yo are looking for. Get calculating, girl

http://whatsthecost.com/snowball.aspx

giblet1979 · 14 October 2016 at 1:27PM

Thank you so much AFK. Just waiting for my husband to get back and take me as my chaperone. Nervous!!!!!
My lovely daddy is taking my car to the garage at the same time to assess the cost. I think it's just a suspension bush clanking but may he a chunk out of my additional jobs wages, also known as the overpayments!
Will check in later if compus mentus. If I'm not and post, apologies in advance for any inappropriate comments

x

try_harder · 14 October 2016 at 2:01PM

Just finished reading your diary giblet ,well done on becoming debt free too ,i am thinking about you and hoping all went very very smoothly.

giblet1979 · 15 October 2016 at 7:32AM

Thank you so much try harder, that's very kind.

Unfortunately I ended up in A and E but am home now and all seems well. Soup and a day in bed on the menu today

Also no work planned (hurrah) but may chase up a few bits later that I know will generate enough for some small overpayments. Going to have to be creative after a £683 dental bill (budgeted £700 so £17 heading to the mortgage later)

Gib x