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Bricks Not Books

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  • sunshineli
    sunshineli Posts: 71 Forumite
    Second Anniversary 10 Posts Name Dropper Photogenic
    Enjoyed reading about your goals for the year. I like that you have included the personal goals too, not just focussing solely on financial ones. Which OU courses might you be interested in? I have recently signed up a creative writing one as I would love to write a fiction book one day.
  • VintageHistorian
    VintageHistorian Posts: 996 Forumite
    Eighth Anniversary 500 Posts Name Dropper
    Watty1 said:
    I do wish you had not mentioned the OU courses as that is a rabbit hole I knew nothing about and have now fallen down :)
    I'd say "sorry" but...well it'll keep you entertained for free when the warm weather disappears :lol:

    Enjoyed reading about your goals for the year. I like that you have included the personal goals too, not just focussing solely on financial ones. Which OU courses might you be interested in? I have recently signed up a creative writing one as I would love to write a fiction book one day.
    It can't all be money all the time! And there are so many things that I think to myself "I'd like to do/try that" and never get around to it, I only realised back in the New Year that I can and should write them down. Then I have a reminder that I want to do them, and I'm more likely to make the time for them!

    The OU list has actually expanded since I last looked but there's a few on primary school education that I'd like to watch before DS hits that stage so I know how we can support him best. And then there's quite a few history ones that I think I would find quite interesting too. I do need to actually make a list next!
    "You won't bloom until you're planted" - Graffiti spotted in Newcastle.

    Always try to be nice, but never fail to be kind - Doctor Who

    Total mortgage overpayments 2017 - 2024 - £8945.62!
  • South_coast
    South_coast Posts: 5,826 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    Who do you bank with? Most banks let you pay cheques in via their app, could be worth checking?
    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
  • VintageHistorian
    VintageHistorian Posts: 996 Forumite
    Eighth Anniversary 500 Posts Name Dropper
    Who do you bank with? Most banks let you pay cheques in via their app, could be worth checking?
    I am definitely with one that lets you do that, but I don't have any banking apps on my phone. I'm very paranoid about my phone being stolen and that data being compromised, so I only do online banking on my laptop.

    I'm also not logged into to Paypal on my phone, nor do I have any of the Apple Pay etc apps (although my iPhone does occasionally try to insist I should sign up to Apple Pay). It's my main luddite trait (that and not having other networked devices in our house, so no Alexa, no NEST for the heating, no Ring doorbell cam etc).
    "You won't bloom until you're planted" - Graffiti spotted in Newcastle.

    Always try to be nice, but never fail to be kind - Doctor Who

    Total mortgage overpayments 2017 - 2024 - £8945.62!
  • I agree about not using mobile banking but ds will happily install apps, use them and then remove them.
    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.
  • Watty1
    Watty1 Posts: 6,664 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Always intended to avoid networked devices and wireless internet but somehow ended up with internet, then a heating system as the heating baffled me, then a Ring doorbell (that one was needed for personal security) then an alexa gadget as it came at a really cheap price with the ring then - somehow from my intentions I ended up in haze of gadgets lOL
    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
  • ladysummerisle
    ladysummerisle Posts: 151 Forumite
    Fourth Anniversary 100 Posts Name Dropper
    I’ve just read this from the beginning over the past couple of days. You’re doing well and you’re very much in the trenches when it comes to DS. It’ll get easier when school starts, which btw you shouldn’t worry about. It’s an eye opener looking the curriculum and realising how slow paced it is!

    I’m going to send you a PM.

    MFW diary: https://forums.moneysavingexpert.com/discussion/6254913/never-a-good-time-but-here-goes#latest

    Original MF date: October 2036 (£81,500)

    Outstanding Jan 2021: £55070

    Outstanding July 2025: £16597

    EF 10000 / Savings toward neutral: £2600


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