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Taking the plunge

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  • newgirly
    newgirly Posts: 9,373 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Morning jellybeanz, just wanted to wish you best of luck with the new diary and mf journey. :)
    MFW 67 - Finally mortgage free! 💙😁
  • Thank you :) the diaries on here have been inspirational to say the least. I've picked up on a few tips and am really enjoying reading them (spent an extra hour in bed this morning indulging lol)

    And I've remembered that there is no council tax payment next month so I can move that over once I get paid. I have made a 100 square for my CC payments. I thought that was a brilliant idea that would give me a lot of satisfaction as I am a visual person. And I've also made a to do list this morning. Onwards and upwards :)
    Onwards and upwards with the occasional kick up the butt required! ;)
    Mortgage '09 = £103k Feb '17 =£79.9k, Aug 17 = £69k Mar 19 = £61k
    Aiming for 10% OP in 2019 - £1320.95/£6100 £3420/£3520 credit card at 0%
  • paddyz
    paddyz Posts: 175 Forumite
    Part of the Furniture 100 Posts
    Good luck Jellie

    I Love a not spend day too
    Mortgage start Oct 12 £104,500
    current May 20 -£56,290_£52,067
    term 9 years aiming on being mortgage free by 7
    Weight Up & down 14st 7lb
  • Thanks Paddyz it looks like we have similar amounts to clear!
    Onwards and upwards with the occasional kick up the butt required! ;)
    Mortgage '09 = £103k Feb '17 =£79.9k, Aug 17 = £69k Mar 19 = £61k
    Aiming for 10% OP in 2019 - £1320.95/£6100 £3420/£3520 credit card at 0%
  • I was wondering if anyone has any thoughts on whether having a land line affects your credit rating? I have had one for years, but tbh I don't use it and am proposing to get rid of it and just keep the tinternet. Could potentially save myself at least £30 pcm/ £360py.
    Onwards and upwards with the occasional kick up the butt required! ;)
    Mortgage '09 = £103k Feb '17 =£79.9k, Aug 17 = £69k Mar 19 = £61k
    Aiming for 10% OP in 2019 - £1320.95/£6100 £3420/£3520 credit card at 0%
  • I don't have a landline, haven't had one for about 6 years. My credit rating is showing is in the excellent range, but not sure if it does effect it or not.

    It's quite a saving if you don't need it, although a lot of BB still need a phone line. I'm with v1rgin, so don't need a phone line for the BB.
  • Thanks ETE. I'm with v1rgin too and just don't use the phone at all as everyone has mobiles these days. I think I'll give them a call tonight after work.
    Onwards and upwards with the occasional kick up the butt required! ;)
    Mortgage '09 = £103k Feb '17 =£79.9k, Aug 17 = £69k Mar 19 = £61k
    Aiming for 10% OP in 2019 - £1320.95/£6100 £3420/£3520 credit card at 0%
  • I spent this afternoon's lunch break looking at batch cooking ideas. I've recently found that if I cook a lasagne and a cottage pie on a Sunday whilst I am doing the roast and then pop them in the fridge it alleviates some of the pressure on cooking when I get home from work on Monday and Tuesday evenings.

    Yesterday I got a large bag of sweet potatoes that were whoopsied and was trying to work out what I could cook with them to pop in the freezer. Last night we had wedges, but I wanted a few more ideas. It turned into a bit of list of other bits and pieces that I reckon I will make up next weekend. So I've popped it on here to make sure I don't lose the piece of paper

    Shepherds' pie - with normal/sweet potato mash
    Fish cakes - with normal/sweet potato mash
    Lasagne
    Fish pie - with normal/sweet potato mash
    Italian cottage pie
    Cowboy pie
    Mexican lasagne
    Chicken and bacon cottage pie
    Chorizo soup
    Beef and chorizo pie
    Gnocchi bake with tomatoes and mozzorella
    Cornish pasties
    Chocolate brownies

    With the kids being fussy I bought a few small oven dishes last month from the £ shop so that I could add or remove vegetables accordingly. They have been a good investment. And I must remember to visit the farm shop on Saturday to pick up a sack of spuds. It's been a productive one :)
    Onwards and upwards with the occasional kick up the butt required! ;)
    Mortgage '09 = £103k Feb '17 =£79.9k, Aug 17 = £69k Mar 19 = £61k
    Aiming for 10% OP in 2019 - £1320.95/£6100 £3420/£3520 credit card at 0%
  • paddyz
    paddyz Posts: 175 Forumite
    Part of the Furniture 100 Posts
    That sounds like a busy cooking day, well done chef!
    Mortgage start Oct 12 £104,500
    current May 20 -£56,290_£52,067
    term 9 years aiming on being mortgage free by 7
    Weight Up & down 14st 7lb
  • Cheers PaddyZ

    I've just tallied up how much I have managed to put away so far this month on the mortgage using the Tilly Tidying/skimming and it's £72. It's gone from my account without me noticing any difference and has potentially saved me £90 in interest over the remaining term. Happy days :)

    Was a quiet one at work, so I managed to get loads done. Dinner cooked for me two nights in a row thanks to darling Mr H - we agreed no Valentines stuff and I couldn't resist and had to get him a card, but then my 11yo DS wanted me to pick one up for his mystery GF too. So I spent a grand total of £4 on two cards and 2 boxes of malt chocolate floaty balls. He came home last night with a card from her and some P0k£mon cards very happy. I don't mind as long as he learns to treat others in the right way and be respectful I'm a happy mummy too!
    Onwards and upwards with the occasional kick up the butt required! ;)
    Mortgage '09 = £103k Feb '17 =£79.9k, Aug 17 = £69k Mar 19 = £61k
    Aiming for 10% OP in 2019 - £1320.95/£6100 £3420/£3520 credit card at 0%
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