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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
    edited 1 January 2020 at 9:40PM
    [STRIKE]I've been really busy[/STRIKE]I’ve had a lazy day today-apart from cooking lunch.
    Back to getting stuff done tomorrow.
    I’ve already done meal plans for the week. :)
    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
    tattycath wrote: »
    [STRIKE]I've been really busy[/STRIKE]I’ve had a lazy day today-apart from cooking lunch.
    Back to getting stuff done tomorrow.
    I’ve already done meal plans for the week. :)


    At least you have done your meal plans :T [STRIKE]I've been really busy[/STRIKE]I’ve had a lazy day today-apart from [STRIKE]cooking lunch[/STRIKE] eating lunch/dinner. :o
    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
  • greent wrote: »
    Thanks for the ZipZero tip :T - I already use HuYu, ReceiptHog and Shoppix - may as well make every receipt work as hard as possible! I plan on using any rewards towards our water bill - I already have the bank details, so figure that makes it a little easier (plus the supplier doesn't change, and I'm always changing energy suppliers :D)

    I've just downloaded these, thank you. I already use Shopmium and CheckoutSmart, but you can only buy what's on offer and claim back the money. Or you can get freebies. Love the idea that just scanning your receipt gives you money back.

    Happy new year.
    OSWL (start 13st) by 30Jun20 6/10
    £1/day Xmas'20-62 £214/£366 saved
    Grocery Challenge Jun £742/£320 spent
    Homeowner wannabe by July 2020 - WooHoo!!
    Starter Emergency Fund £1000/£1000 saved
  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Happy New Year :) Good luck with the goals :)
    "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
  • Loving your diary tattycath, you’ve inspired me to get back to eBaying all the unwanted things that have been building up. X
  • tattycath
    tattycath Posts: 7,175 Forumite
    Part of the Furniture 1,000 Posts
    Loving your diary tattycath, you’ve inspired me to get back to eBaying all the unwanted things that have been building up. X

    Thank you. I’m so pleased you’re feeling inspired. :)
    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
    So today I’ve:

    Posted out an order
    Took Christmas decs down and put them back in loft.
    Started sorting kitchen and lounge-it’s a work in progress
    Started looking for inspiration for a side hustle. I’m open to suggestions-I’ve considered looking for a part time job to fit in around my full time employment-between 6 and 8 hours a week.
    Alternatively I could devote an extra 6-8 hours a week to growing my business and or getting rid of more stuff I don’t need or want.
    Decisions decisions
    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
    Oh and I’ve had a no spend day today! :j
    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 wrote: »
    So today I’ve:

    Posted out an order
    Took Christmas decs down and put them back in loft.
    Started sorting kitchen and lounge-it’s a work in progress
    Started looking for inspiration for a side hustle. I’m open to suggestions-I’ve considered looking for a part time job to fit in around my full time employment-between 6 and 8 hours a week.
    Alternatively I could devote an extra 6-8 hours a week to growing my business and or getting rid of more stuff I don’t need or want.
    Decisions decisions

    I have to wait until tomorrow to post - as PO doesn't open until then.
    Decs NOT down - yet - had such a nice afternoon, now just lazing about.

    I would concentrate on growing your business, and getting rid of more stuff you don't need or want, I had a spell just before Christmas and listed a few unwanted things and they sold - I now have an empty box under the bed :j - Long way to go yet, but I was getting cash for "stash" and gaining space at the same time as decluttering. Win, Win for me. :D Wasn't tied to strict hours and could list at my leisure. :D

    I actually left the rest of my listings on thinking nobody would be looking at this time of year, but Yes :j - they have - and buying as well. :D

    I'm joining Bexster in the no buy year, so going to be very mindful of that when shopping, only buying what is needed. I do NOT need that !!! I need to tell myself. :)
    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
    I have to wait until tomorrow to post - as PO doesn't open until then.
    Decs NOT down - yet - had such a nice afternoon, now just lazing about.

    I would concentrate on growing your business, and getting rid of more stuff you don't need or want, I had a spell just before Christmas and listed a few unwanted things and they sold - I now have an empty box under the bed :j - Long way to go yet, but I was getting cash for "stash" and gaining space at the same time as decluttering. Win, Win for me. :D Wasn't tied to strict hours and could list at my leisure. :D

    I actually left the rest of my listings on thinking nobody would be looking at this time of year, but Yes :j - they have - and buying as well. :D

    I'm joining Bexster in the no buy year, so going to be very mindful of that when shopping, only buying what is needed. I do NOT need that !!! I need to tell myself. :)

    Sage advice-thank you.
    Yes I am leaning towards growing my business. I need to check my listings and sort the wheat from the chaff, make it more profitable. If I make myself available a couple of hours a night, 3 or 4 nights a week I should soon have it done.
    I’m also determined to get rid of a lot of stuff I no longer have a need or use for.
    I’m working on growing my EF and then build it up to Equivalent of 6 months bills.
    :j exciting times ahead :j
    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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