Forum Home» Mortgage-Free Wannabe

Taking it slowly, but doing it well. - Page 91

New Post Advanced Search
Important update! We have recently reviewed and updated our Forum Rules and FAQs. Please take the time to familiarise yourself with the latest version.

Taking it slowly, but doing it well.

edited 30 November -1 at 12:00AM in Mortgage-Free Wannabe
1.1K replies 105.8K views
18889919394106

Replies

  • KarmacatKarmacat Forumite
    34.8K posts
    Part of the Furniture 10,000 Posts Name Dropper
    ✭✭✭✭✭
    Nighty night, Wish, hope sleep is on the cards for you all.
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
  • wishingthemortgaheawaywishingthemortgaheaway Forumite
    2.5K posts
    1,000 Posts Second Anniversary
    ✭✭✭✭
    Morning all,

    My lack of posts is always an indication of my prolific spending. I don't think I've managed a nsd yet this month.

    I have realised I'm owed nearly £125 - £74.11 from church (receipt now handed in) and £50 to be returned from a purchase for someone else (who has contacted me for my bank details) so that's all good.

    Stove is in and paid for - looks lovely.
    Boiler engineer coming today (not sufficient hot water) and a plumber coming tonight to fit an outdoor tap, then the plasterer starts tomorrow for the last of the downstairs plastering.

    All go, all expensive, alll should be worth it.

    Cash for the plumber sorted, boiler engineer to be paid by direct debit etc (not impressed I couldn't pay up front - stupid system)

    Right need to move myself hungrrrrrrrryyyyy
    Outstanding mortgage: £23,181 (December 19)
    MFW 2020 Challenge Member #10 0/£2318
  • Fortune_SmilesFortune_Smiles Forumite
    3.6K posts
    Ninth Anniversary 1,000 Posts Name Dropper Photogenic
    ✭✭✭✭
    Morning all,

    My lack of posts is always an indication of my prolific spending. I don't think I've managed a nsd yet this month.

    I have realised I'm owed nearly £125 - £74.11 from church (receipt now handed in) and £50 to be returned from a purchase for someone else (who has contacted me for my bank details) so that's all good.

    Stove is in and paid for - looks lovely.
    Boiler engineer coming today (not sufficient hot water) and a plumber coming tonight to fit an outdoor tap, then the plasterer starts tomorrow for the last of the downstairs plastering.

    All go, all expensive, alll should be worth it.

    Cash for the plumber sorted, boiler engineer to be paid by direct debit etc (not impressed I couldn't pay up front - stupid system)

    Right need to move myself hungrrrrrrrryyyyy

    Hi there Wish. I disappear from my diary when I'm super busy but it could be worse. Greying Pilgrim disappears when she's having a baby! :rotfl:

    Fortune x
    Mortgage: 21% paid Overpayments 2020: £3903.47 Emergency Fund: 101% Tittervating Pot: £46.43

    All we have to decide is what to do with the time that is given to us - J R R Tolkein
  • wishingthemortgaheawaywishingthemortgaheaway Forumite
    2.5K posts
    1,000 Posts Second Anniversary
    ✭✭✭✭
    Thanks Fortune, that did make me smile.

    Not a nsd today -
    Lunch in the cafe with the boy. I had to get out of the house. There's a work thing that's taking up a lot of brain space and causing me some anxieties. I've been 'on call' all day and it was draining. We may have some resolution, but who knows.

    Boiler issue is not a boiler issue, but a cartridge issue. Previous plumber been tasked with sourcing said cartridge as it cost me £60 last week for them to give me duff info

    Outside tap fitted.

    200 refuse sacks received instead of 6 folders. Have contacted company. I've got to pay to post them back then they will refund me apparently.....

    Oh joy, job for Wednesday.
    Night all

    Wish.
    Outstanding mortgage: £23,181 (December 19)
    MFW 2020 Challenge Member #10 0/£2318
  • wishingthemortgaheawaywishingthemortgaheaway Forumite
    2.5K posts
    1,000 Posts Second Anniversary
    ✭✭✭✭
    Work has zapped a lot of my brain space, energy and thinking this week. I have made it through to the other side and just need to tidy things up tomorrow night. Hopefully next week will be quieter.

    We are now in the lakes our annual three week jaunt up here for Hubby's work.
    I save through the year so I don't have to think about spending while I'm here. It's been £600 for years, but that was a bit tight last year - so I've saved £60 a month this year so I have £700.
    £20 cash taken out earlier in the week for a few pre visit spends.
    £130 (including tilly tidying) on an online shop that's just been delivered - there doesn't seem to be much there for £130...
    this leave me with a budget of £25 a day - some days I won't spend anywhere near that, but it's a very expensive supermarket here for top up shops - no Ald1 here.....
    I may do another A5da delivery later on if I think I need it.

    Today I spent on fish & chips for tea (food shop has only just arrived & Pickle has been asleep for hours) and fruit & veg.
    I have tomorrow's £25 in cash in my purse, plus £5 left from today plus £14 from the £20 taken out before I arrived.

    This makes £44 for tomorrow. (Plenty!)

    Whatever is left at the end of my time here either gets overpaid to the mortgage or added to the savings.

    I've paid for the plasterer. So would like to replace money in the funds it's been taken from over the course of this month.

    Keep plodding everyone.

    Wish.
    Outstanding mortgage: £23,181 (December 19)
    MFW 2020 Challenge Member #10 0/£2318
  • Important update! We have recently reviewed and updated our Forum Rules and FAQs. Please take the time to familiarise yourself with the latest version.
  • KarmacatKarmacat Forumite
    34.8K posts
    Part of the Furniture 10,000 Posts Name Dropper
    ✭✭✭✭✭
    Three weeks away is lovely, have a great time :)
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
  • wishingthemortgaheawaywishingthemortgaheaway Forumite
    2.5K posts
    1,000 Posts Second Anniversary
    ✭✭✭✭
    Thanks Karma, I will try, but it's not easy with a small child and hubby working long hours (which is why we are here)


    Well, wonders will never cease. A no spend day! Goodness me. I still have £44 in my purse and technically another £25 'allowance' for tomorrow if I can stay under the £44 - should be possible if I stay out of the spensive supermarket, I can keep rolling up allowance money for later in the visit/some treats.

    We'll see. Bed now and see what tomorrow brings.

    Wish.
    Outstanding mortgage: £23,181 (December 19)
    MFW 2020 Challenge Member #10 0/£2318
  • KarmacatKarmacat Forumite
    34.8K posts
    Part of the Furniture 10,000 Posts Name Dropper
    ✭✭✭✭✭
    Oh thats true, isn't it! Did you manage any research about your options while you're there? Still *hoping* you're going to have a good time.
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
  • wishingthemortgaheawaywishingthemortgaheaway Forumite
    2.5K posts
    1,000 Posts Second Anniversary
    ✭✭✭✭
    Evening all,
    Not a nsd - Ice creams had - and hubby requested some cash for bits and bobs, so £10 has departed my purse:

    This leaves:
    £34 in my purse
    £25 in the account that 'could' have been spent and another £25 for tomorrow's allowance. (Plus the money for the rest of the trip)

    So - technically £84 to spend tomorrow. (Let's hope I don't spend that's much hey!)

    Not sure what tomorrow holds, so we will just have to see.
    Outstanding mortgage: £23,181 (December 19)
    MFW 2020 Challenge Member #10 0/£2318
  • wishingthemortgaheawaywishingthemortgaheaway Forumite
    2.5K posts
    1,000 Posts Second Anniversary
    ✭✭✭✭
    Another nsd today - that's 2 since we got here. Unheard of...

    So: here's the state of play for tomorrow.

    £34 cash
    £50 'banked' from nsds
    £25 from the pot for tomorrow.

    Total: £109 'free to spend' tomorrow.

    There is the potential of a swimming trip & brunch out tomorrow. If I squeeze through tomorrow without doing any shopping, the market is on on Thursday for fresh things and some treats (I'm feeling lacking in cake)

    I feel like I'm massively more in control of my spending this year than I normally am. I think it helps that Pickle is a bit older and loves his pack up for lunch time after he's finished his activity.
    Outstanding mortgage: £23,181 (December 19)
    MFW 2020 Challenge Member #10 0/£2318
Sign In or Register to comment.

Quick links

Essential Money | Who & Where are you? | Work & Benefits | Household and travel | Shopping & Freebies | About MSE | The MoneySavers Arms | Covid-19 & Coronavirus Support