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All the single ladies vs 145k
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My only other thought is the Gas and Electric is high at a combined £80. Have you any idea why that is? Is it a result of high consumption or a bad tarrif? If it's the consumption do you know what might be causing it?
Thanks very much for commenting. I honestly thought that wasn't too bad?! I'm in the MSE energy club so it isn't the tarrif, although that is due to switch again. I do have a draughty Victorian 3 bed with HUGE windows and stripped floors. Thinking about it the heating is on a timer from 6-9am and I head to work at 6.30am so I am being a tit there. I hate being cold.:o I will amend my timer and double check I'm using as much energy as they think I am..haven't taken much notice of that or sent a meter reading for a bit.Mortgage overpayments 2018: £4602, 2019: £7870
Mortgage overpayments 2020: £4620
Mortgage 2017 £145K, June 2020 £112.6k0 -
Has your sc arrived yet? If you're feeling a tingle of excitement about it that's your inner Mfw doing a jig:rotfl:Original mortgage £112,000 . Final payment due August 2027.
Mortgage neutral achieved August 2020 - 7 years early!!!0 -
Has your sc arrived yet? If you're feeling a tingle of excitement about it that's your inner Mfw doing a jig:rotfl:
Hello PP :hello: It hasn't, it has shipped though so hopefully won't be that long. You aren't wrong, I'm really excited about it coming. :rotfl: Hurry, hurry to me SC. I have grand sausage casserole plans you would be proud of. If you weren't a pig. Beef sausages obviously piggy..
This sounds silly but what do you freeze individual portions in? Freezer bags??:oMortgage overpayments 2018: £4602, 2019: £7870
Mortgage overpayments 2020: £4620
Mortgage 2017 £145K, June 2020 £112.6k0 -
sofarbehind wrote: »Thanks very much for commenting. I honestly thought that wasn't too bad?! I'm in the MSE energy club so it isn't the tarrif, although that is due to switch again. I do have a draughty Victorian 3 bed with HUGE windows and stripped floors. Thinking about it the heating is on a timer from 6-9am and I head to work at 6.30am so I am being a tit there. I hate being cold.:o I will amend my timer and double check I'm using as much energy as they think I am..haven't taken much notice of that or sent a meter reading for a bit.
I'm pretty anal about it now. Although I do have a new house which isn't that big and is thermally quite good. My gas consumption is mostly the standing charge despite being used for heating, hot water, and the hob. I'm also not that fussed by the cold and not averse to T-Shirt + Jumper + Dressing Gown :embarasse
Also, don't use the bath much and rely on the shower. Usually only get a hot bath after particularly grueling sessions cycling.
Leaving the heating on each day for 3 hours each morning in a house like that will leak energy though. Might be better setting it from 5:30 to 6:30.
For freezing portions I mostly use stuff like this: https://www.amazon.co.uk/SATCO-1000CC-MICROWAVE-CONTAINERS-PLASWARE/dp/B00EO3R9SU?SubscriptionId=AKIAILSHYYTFIVPWUY6Q&!!!!!duckduckgo-ffsb-uk-21&linkCode=xm2&camp=2025&creative=165953&creativeASIN=B00EO3R9SU
I also have freezer bags, too. Usually I put things like bread in them.0 -
sofarbehind wrote: »Hello PP :hello: It hasn't, it has shipped though so hopefully won't be that long. You aren't wrong, I'm really excited about it coming. :rotfl: Hurry, hurry to me SC. I have grand sausage casserole plans you would be proud of. If you weren't a pig. Beef sausages obviously piggy..
This sounds silly but what do you freeze individual portions in? Freezer bags??:o
Old yogurt pots and marg tubs mainly:D. Bags are good to freeze flat if you're short of space. Don't forget to label or its like culinary Russian Roulette.:rotfl:
Sausage casserole is one of our family favesOriginal mortgage £112,000 . Final payment due August 2027.
Mortgage neutral achieved August 2020 - 7 years early!!!0 -
sofarbehind wrote: »Thanks very much for posting that ninnoodle. It's particularly interesting as we are in very similar circumstances with very similar incomes. I have to say I'm impressed! That looks seriously Spartan to me. Is your aim to aggressively overpay and be MF ASAP?. I thought I was aiming for a bit more of a relaxed approach but now I'm having a rethink.
We are lucky to have so much spare to throw at this. Are you giving up a proper holiday? I would be quite happy to cut them out for a while and just visit friends and family in the UK. You have a wonderful cash buffer there, that is my first priority. Well done :T
I'm surprised you think it is spartan, but then again I don't have a TVMy holidays are spent in my campervan (hence my vehicle worth £15K) - my idea of a fun holiday is travelling about the country in my van and wandering the hills. I know, I am in the minority! I don't fancy a holiday abroad by myself anyway.
My cash buffer was a combination of hardcore saving last year and a bit of profit from my house sale after I sold it last year. I'll keep £10K as my buffer and use the rest to put a new bathroom in as it is very dated. My aim is to plough as much as I can into savings / mortgage because I don't think my nicely paid job will last forever, so doing this while I can. Then, if I need to get a lower paid job when this job finishes, I'll be in a better position to remortgage to a good deal. My mortgage is fixed for 5 years so just trying to plough as much into it as possible. My overall dream is to retire early! :beer:0 -
Hello all, just finished reading through the thread. I'm also aiming to pay off my mortgage on my own. I bought my house in 2014, set about a full renovation (not all of this was intended) and am aiming to pay off as much as my mortgage as possible for various reasons.
I've also recently bought a SC and need to get to grips with making some tasty/healthy and cheap meals. My food spend is ridiculous!MFW Start:[STRIKE] Sep 2014 - £110,844[/STRIKE], July 2019 New Home £190,995 :eek:
Current: £82,999.69, £190,972.18, £188,091.57, £180,026.25
2021MFW #97 OP Goal £296.36/£3000
2020MFW #97 OP Goal £3104.09.09/£3000
2019MFW #109 OP Goal £1024.99/£10000 -
The desire to get on this slow cooker bandwagon is going against the desire to not spend money
Silly question... I leave home at 6.30am and get in anywhere between 5-6pm....
If a slow cooker recipe says 5 hrs cooking time what do you do - just put the slow cooker on a timer so it kicks into action partway through the day? :huh:Aim:12mth Emergency Fund -> £14264/£17076 (83%) Aim 2: Mortgage Overpayment -> Paused until other aim fulfilled.0 -
The desire to get on this slow cooker bandwagon is going against the desire to not spend money
Silly question... I leave home at 6.30am and get in anywhere between 5-6pm....
If a slow cooker recipe says 5 hrs cooking time what do you do - just put the slow cooker on a timer so it kicks into action partway through the day? :huh:
I think it depends on the slow cooker you have. I have one at home which doesn't have a timer on it! I only ever use mine at the weekend though, as I don't trust it at home all day! I leave the house at 7:50am and get home around 6pm, so I wouldn't like to leave it on all that time. Would be interested to know what everyone else does with theirs thoughCredit Card: £5350 (£5210 remaining)
Overdraft: £1498.68
Loan 1: £5000 (£2252.26 remaining)
Loan 2: £1656.90 - PAID!! :j
Very: £703.97 (£553.97 remaining)
Make £2018 in 2018 Challenge: £291.51/£20180 -
The desire to get on this slow cooker bandwagon is going against the desire to not spend money
Silly question... I leave home at 6.30am and get in anywhere between 5-6pm....
If a slow cooker recipe says 5 hrs cooking time what do you do - just put the slow cooker on a timer so it kicks into action partway through the day? :huh:
If you get one with a timer then that will do the trick, yes. A lot of recipes will give you times for different speeds of cooking, too. So you could say cook on high for 3-4 hours or low for 7-8 hours. Another option would be something like hive control for your socket, so you could remotely turn it on, however, that means more expense and remembering to turn it on.0
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