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PinknSparkly's Mortgage Wannabe savings dairy

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  • pinknsparkly
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    Thanks SW - and your post has turned my thread into a six page :beer:

    I was telling my husband this morning that my payday is my favourite day of the month (we get paid on different days and all of his income covers our expenses whilst mine goes mostly towards savings). I'm so sad :D
    MFW2023 challenge #99: £1090.11 / £1,000 MFiT-T6 (Jan 2022 - Jan 2025) challenge #99: Reduce mortgage to £400,000. Current balance = £413,551.19 Initial MF date (23rd Aug 2022): Sep 2051 Current MF date: Jul 2051 Last updated: 15/06/2023
  • savingwannabe
    savingwannabe Posts: 16,610 Forumite
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    Not sad, you are vvv smart. Hurrah for payday.
    Aiming for a minimal spend 2022
  • pinknsparkly
    pinknsparkly Posts: 542 Forumite
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    Thanks SW.

    Well this has been an expensive week so far..... We had to call out an emergency plumber on Tuesday evening which cost us £235 - the ball float arm in the downstairs toilet cistern snapped and water was pouring out of the overflow pipe onto the pavement. It turns out that what we thought was the stopcock wasn't, but we did locate the right one in the end and managed to stop the flood (fortunately all outside the house!) but then needed a plumber to come and sort it out so we could actually have running water again in the rest of the house. It's the same story as usual with this house - the previous owners did everything as cheaply as possible. We seem to be pretty much running at a rate of one major breakdown somewhere in the house each month! Unfortunately this wasn't something that could be repaired and in the end the plumber had to disconnect the cistern completely and seal off the pipe and said that we're going to need a whole new cistern. Since we have a second toilet in the upstairs bathroom, we're probably going to go down the route of redoing the toilet earlier than planned rather than doing a repair job now and then redoing it in a few months time. With this coming so soon after the £500-odd bill for my car service and repair, I am so grateful that we're in the fortunate position where we can just go right ahead and pay for the necessary repairs/plumber call out rather than resorting to overdrafts / credit cards /payday loans etc.

    I also managed to lose a £20 note on Tuesday :wall: Despite retracing my steps as soon as I noticed it was gone, I didn't manage to find it. I just hope whoever did find it enjoyed it :rotfl:

    On the plus side, my husband brought home a huuuuuuuuuuuuuuge gooey raspberry chocolate brownie thing that was yellow stickered at Tesco yesterday and we [STRIKE]ate it for dinner[/STRIKE] enjoyed it very much! It was so large and gooey and rich that we have the second half left for tonight, which is almost unheard of for us!!
    MFW2023 challenge #99: £1090.11 / £1,000 MFiT-T6 (Jan 2022 - Jan 2025) challenge #99: Reduce mortgage to £400,000. Current balance = £413,551.19 Initial MF date (23rd Aug 2022): Sep 2051 Current MF date: Jul 2051 Last updated: 15/06/2023
  • pinknsparkly
    pinknsparkly Posts: 542 Forumite
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    edited 8 March 2019 at 3:37PM
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    I've just been checking the 2019 challenges I'm signed up for: save £12k in 2019 and MFW 2019 (for which I'm aiming for £6000). I am currently in first place and closest to my goal out of everyone taking part for the save £12k in 2019 challenge, at 52.42% of the way towards my goal already :dance: However, in comparison I am quite a long way towards the back of the field in the MFW2019 challenge, at only 10.3% towards my goal.... This will start to equal out once I've filled up my husbands LISA in April and then start concentrating on building up our mortgage "OPs" in S&S ISAs.
    MFW2023 challenge #99: £1090.11 / £1,000 MFiT-T6 (Jan 2022 - Jan 2025) challenge #99: Reduce mortgage to £400,000. Current balance = £413,551.19 Initial MF date (23rd Aug 2022): Sep 2051 Current MF date: Jul 2051 Last updated: 15/06/2023
  • Skint_yet_Again
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    Bad news about the repairs Pink (and losing £20 :eek: ) but you have done well to be able to pay from savings. Chocolate gooey brownie thing sounds delish :D
    0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
    House sale OCT 2022 = NOW MORTGAGE FREE 🤗
    House purchase completed FEB 2023 🥳🍾 Left work. 🤗

    Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).

    Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1

    Living off savings diary
    https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p1
  • savingwannabe
    savingwannabe Posts: 16,610 Forumite
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    Pinky, yikes to the loo and the cost of repairs. :eek:Make sure you have insurance for emergencies as it sounds like you will need it. I also had similar issues when I moved in, everything was falling apart and the pipes burst all the time! It was awful but it all got repaired and now everything is ok. Hang in there ok and enjoy all the nice things.:beer:

    Well done on savings challenges. That is something to look forward to. It is v blustery here. Hope you have ok weather by you.
    Aiming for a minimal spend 2022
  • pinknsparkly
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    Thanks both! I'm not sure I want to confess to this, but the loo is still out of order..... We'd decided it wasn't particularly urgent (as we've got an upstairs bathroom) and so it could wait until MY PHD CORRECTIONS WERE SUBMITTED _party__party__party_ The last month has consisted of zero sleep (hence my complete absence from here) and ridiculous amounts of stress and panicking but it's done!!!!



    Now, however, there is a lot of house stuff that needs sorting that I no longer have an excuse to avoid :rotfl: We're heading off to a new super fancy looking store (Barker and Stonehouse) that's opened near us to hunt for inspiration for what to do with our house. We know the practicalities of what needs doing but neither of us have an artistic bone or interior design imagination in our body so need some help! The garden revamp is booked for the week after Easter weekend which I can't wait for - I'm very much looking forward to sitting out there with a glass of something and a book in the summer evenings.



    On a (positive) financial note, I've also opened up a S&S LISA for my husband and filled that up. I'll also be topping mine up as soon as I can, but probably won't be able to do that until after we've paid for the garden (the money for the garden is in a passbook account with Nationwide and I'm not sure when we'll have time to get into town to withdraw the money!). I'm also starting to make plans for our honeymoon (only 2 years late so far...!), we're going to go on safari which is going to be ridiculously spendy (less positive financial note!), but will be such an amazing experience! We're looking at going to South Africa in either this September (if we can get the time off work) or next May as May - Sep is the recommended time of year to go.
    MFW2023 challenge #99: £1090.11 / £1,000 MFiT-T6 (Jan 2022 - Jan 2025) challenge #99: Reduce mortgage to £400,000. Current balance = £413,551.19 Initial MF date (23rd Aug 2022): Sep 2051 Current MF date: Jul 2051 Last updated: 15/06/2023
  • savingwannabe
    savingwannabe Posts: 16,610 Forumite
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    I posted last night but it has disappeared. Well done on corrections on your PhD. We should rename you Dr Pinknsparkly. Sorry about the loo but the garden work sounds great. May I ask what you are doing to it? Well done on the savings and your holiday to South Africa sounds amazing.
    Aiming for a minimal spend 2022
  • pinknsparkly
    pinknsparkly Posts: 542 Forumite
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    Thanks SW. I've actually not heard a peep from the university since submitting it.... I emailed them today to check whether that's normal or not and, naturally, the lady is on holiday!

    I'm not actually 100% sure what the garden will be - I basically dumped the responsibility for that on my husband and retreated to the spare room to spend every minute I had panicking about my thesis :rotfl: From the initial discussions that I was involved in, I believe we're still going to have decking across about half the garden (it's a rather small garden) with a small shed for storing bikes and a BBQ (the current shed takes up a stupid amount of the garden and is basically just full of junk from the previous owners!). Then the lower level (the garden slopes up from the house and the previous owners built it up into two flat levels which we'll keep due to the cost and effort required get rid of it all) will be a combination of (I think!) either paving or gravel and fake grass with a raised flowerbed down the side. I was pretty dubious about fake grass but the landscaper was raving about it and has managed to convince my husband.... The levels will be edged with railway sleepers which I'm looking forward to as the brick edging we currently have is crumbling away and looks terrible! They'll also be removing the small brick wall at the front of the house whilst we have the skip as the local kids like to sit on and against it and it's now so wobbly that it's going to fall down any day (we've already had to knock one side down as it was about to fall over!). We've also bought a huge but pretty plant pot as our cat uses a wicker container in the garden as a toilet and it's completely falling to bits so will have to go when the garden is done but I want to try and discourage him from pooping in other peoples gardens!!

    We checked out toilets yesterday (such a glam life) and are going to try and get a plumber in to install one before the garden is done so the gardeners don't have to traipse mud all the way up the stairs to use the loo! We also discovered that we're both complete short !!!!!! (no surprise) and the seats on almost all sofas are too deep for us so we end up sat there with our feet hanging down like toddlers :rotfl:
    MFW2023 challenge #99: £1090.11 / £1,000 MFiT-T6 (Jan 2022 - Jan 2025) challenge #99: Reduce mortgage to £400,000. Current balance = £413,551.19 Initial MF date (23rd Aug 2022): Sep 2051 Current MF date: Jul 2051 Last updated: 15/06/2023
  • savingwannabe
    savingwannabe Posts: 16,610 Forumite
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    I love hearing about the garden. It sounds like it is going to take some time but it will be worth it in the end. It's a good idea to sort out the downstairs loo so that they don't mess up your house.

    Enjoy the peace now your thesis is over. I have never had the discipline to write one as I have never thought of a topic I loved enough. I do admire you for doing it. Make sure you celebrate.
    Aiming for a minimal spend 2022
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