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My big financial challenge to mortgage freedom

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  • tattycath
    tattycath Posts: 7,175 Forumite
    Part of the Furniture 1,000 Posts
    Well, I've managed to completely blow the grocery budget...and I was doing so well :o must try harder next month.
    I've had an expensive plumbing job come up :( will be getting it sorted early this coming week. This somewhat scuppers my planned mortgage overpayment. :(
    I have made a few sales this week. :) so I need to tally up what've I've made after fees.
    GE 36 *MFD may 2043
    MFIT-T5 #60 £136,850.30
    Mortgage overpayments 2019 - £285.96
    2020 Jan-£40-feb-£18.28.march-£25
    Christmas savings card 2020 £20/£100
    Emergency savings £100/£500
    12/3/17 175lb - 06/11/2019 152lb
  • tattycath
    tattycath Posts: 7,175 Forumite
    Part of the Furniture 1,000 Posts
    Had to find £130 at short notice for aforementioned unexpected problem. :(
    I need to grow my business. So I have a plan...
    I need to set targets for August-and stick to them. :)
    GE 36 *MFD may 2043
    MFIT-T5 #60 £136,850.30
    Mortgage overpayments 2019 - £285.96
    2020 Jan-£40-feb-£18.28.march-£25
    Christmas savings card 2020 £20/£100
    Emergency savings £100/£500
    12/3/17 175lb - 06/11/2019 152lb
  • A_Frayed_Knot
    A_Frayed_Knot Posts: 3,308 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Photogenic
    Don't put off till August, when you can start now . . . .

    You are an excellent cook/baker, and have many, many recipes to hand. No excuse, start now :)

    How about eating out of your freezer? for 1 maybe 2 days a week, that would save 1 week's food shopping, at least.

    As for your business, act on those plans, no time like the present.

    I would say meal planning and being organised really helps.

    Lecture over ;) Good Luck :) You can do it ! ! !
    Always have 00.00 at the end of your mortgage and one day it will all be 0's :dance:
    MF[STRIKE] March 2030[/STRIKE] Yes that does say 2030 :eek: Mortgage Free 21.12.18 _party_
    Now a Part Timer from 27.10.19
  • tattycath
    tattycath Posts: 7,175 Forumite
    Part of the Furniture 1,000 Posts
    Don't put off till August, when you can start now . . . .

    You are an excellent cook/baker, and have many, many recipes to hand. No excuse, start now :)

    How about eating out of your freezer? for 1 maybe 2 days a week, that would save 1 week's food shopping, at least.

    As for your business, act on those plans, no time like the present.

    I would say meal planning and being organised really helps.

    Lecture over ;) Good Luck :) You can do it ! ! !

    Thanks AFK. Good points, well made. :)
    I have spent a further £19 this month, however, I now should only need to buy bread and milk for the next week or so.
    Got a rare afternoon off today so I have made an impossible pie and some banana bread, I have substituted some of the flour in the banana bread for bread crumbs - hoping it turns out ok as the bread needed using up...and I still have some bread crumbs left so I am now trying to think of recipes I can use them in. The bread pudding I made the other week was nice but I fancy trying something different. :)

    No spend day today. :)
    GE 36 *MFD may 2043
    MFIT-T5 #60 £136,850.30
    Mortgage overpayments 2019 - £285.96
    2020 Jan-£40-feb-£18.28.march-£25
    Christmas savings card 2020 £20/£100
    Emergency savings £100/£500
    12/3/17 175lb - 06/11/2019 152lb
  • tattycath
    tattycath Posts: 7,175 Forumite
    Part of the Furniture 1,000 Posts
    Another no spend day today. :)
    GE 36 *MFD may 2043
    MFIT-T5 #60 £136,850.30
    Mortgage overpayments 2019 - £285.96
    2020 Jan-£40-feb-£18.28.march-£25
    Christmas savings card 2020 £20/£100
    Emergency savings £100/£500
    12/3/17 175lb - 06/11/2019 152lb
  • greent
    greent Posts: 10,784 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Breadcrumbs - other than for coating chicken/ fish etc and baking in oven
    * frying off in oil with garlic/ chilli and tossing through pasta - total carb fest but I find DS1 likes it (and at 17 is a hollow-legged teenager, so copes with the carbs and calories!)
    * apple (or pear or whatever) charlotte - sort of like crumble but with a topping from breadcrumbs, sugar (and a wee bit of butter) instead of flour
    * stuffed mushrooms (with finely chopped bacon/ leftover roast chicken, lots of herbs and garlic)
    * homemade stuffing - with onion, sage (I have a jar of dried :D), pepper and maybe a skinned sausage mashed into it :)
    * a topping before pasta bake when it goes into the oven
    * a topping for cauliflower/ broccoli cheese
    * bulk out homemade burgers with the addition of a handful of breadcrumbs

    That's all I do - am sure others can be more inspiring! :D

    x
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NIL
    Net sales 2024: £20
  • tattycath
    tattycath Posts: 7,175 Forumite
    Part of the Furniture 1,000 Posts
    greent wrote: »
    Breadcrumbs - other than for coating chicken/ fish etc and baking in oven
    * frying off in oil with garlic/ chilli and tossing through pasta - total carb fest but I find DS1 likes it (and at 17 is a hollow-legged teenager, so copes with the carbs and calories!)
    * apple (or pear or whatever) charlotte - sort of like crumble but with a topping from breadcrumbs, sugar (and a wee bit of butter) instead of flour
    * stuffed mushrooms (with finely chopped bacon/ leftover roast chicken, lots of herbs and garlic)
    * homemade stuffing - with onion, sage (I have a jar of dried :D), pepper and maybe a skinned sausage mashed into it :)
    * a topping before pasta bake when it goes into the oven
    * a topping for cauliflower/ broccoli cheese
    * bulk out homemade burgers with the addition of a handful of breadcrumbs

    That's all I do - am sure others can be more inspiring! :D

    x

    Thanks greent, that's a great list. :)
    GE 36 *MFD may 2043
    MFIT-T5 #60 £136,850.30
    Mortgage overpayments 2019 - £285.96
    2020 Jan-£40-feb-£18.28.march-£25
    Christmas savings card 2020 £20/£100
    Emergency savings £100/£500
    12/3/17 175lb - 06/11/2019 152lb
  • tattycath
    tattycath Posts: 7,175 Forumite
    Part of the Furniture 1,000 Posts
    No spend day today.:)

    August to do list:

    Sort out loft
    Pay £200 off mortgage
    Put £150 in savings
    Sort spare room
    Organise kitchen cupboards
    Start getting ready for Christmas- start buying presents or putting money away for presents. :) I know it's early, but it is only about 21 weeks away and will soon be upon us. ;)
    GE 36 *MFD may 2043
    MFIT-T5 #60 £136,850.30
    Mortgage overpayments 2019 - £285.96
    2020 Jan-£40-feb-£18.28.march-£25
    Christmas savings card 2020 £20/£100
    Emergency savings £100/£500
    12/3/17 175lb - 06/11/2019 152lb
  • jwil
    jwil Posts: 22,015 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good luck with the August targets :)
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • tattycath
    tattycath Posts: 7,175 Forumite
    Part of the Furniture 1,000 Posts
    jwil wrote: »
    Good luck with the August targets :)

    Thank you jwil. :)
    GE 36 *MFD may 2043
    MFIT-T5 #60 £136,850.30
    Mortgage overpayments 2019 - £285.96
    2020 Jan-£40-feb-£18.28.march-£25
    Christmas savings card 2020 £20/£100
    Emergency savings £100/£500
    12/3/17 175lb - 06/11/2019 152lb
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