Mortgage free asap

Tjh1412

Wow Merch thats a heck of a target :eek: best of luck to you? Shall have a hunt for your diary and get OH to teach me some basics when he's next off.
Waiting on my new card reader to arrive so I can make another small overpayment for this month, coffee really isn't good for them apparently :rotfl:Ironing mountain is tackled, so a few jobs ticked off; going to grab a coffee, enjoy the fire and catch up on diaries and surveys now. Hope everyone is having a good weekend

shangaijimmy

Found you diary and welcome aboard. The debt, current living, retirement dilemma is a tough one isnt it! We started with a split of 33% towards debt, 33% towards savings (including retirement in this) and 33% towards day to day life. As any pay rises have come in we've placed them in the retirement pot, so our percentages are a little skewed now but it was a good starting point for us.

pennystretcher

Tjh1412 wrote: »

Thanks pennystretcher, I'm not sure if my excel skills would be up to that but it sounds great; do you know of any to download?

There is a great spreadsheet here - although for me it was too big, I wanted to have something simple.
http://spreadsheet.locostfireblade.co.uk

If you are happy to PM me with an email address I can send you the template I used.

Tjh1412

Thanks SJ and pennystretcher for the replies nice to know I'm not just rambling on to myself. Thats a really good point about %s, just calculated ours and currently am at 31% to mortgage, 24% to pensions, 22% to savings and the rest to day to day expenses, so probably a reshuffle required to let us OP more there.

Off to have a play with spreadsheets now :T not much money news to report other than that BG emailed me a new bill from our meter readings and now instead of owing them money they owe us, and more than I thought. Their estimation must be based on some crazy baseline figures, and I'd already bargained them down from our previous estimated monthly usage too.

My OH is happy with the £21 a month saving, but he doesn't know I've already got my eye on it for a sneaky OP :rotfl:Hope everyone has had a good weekend

Tjh1412

So not a NSD today as we needed milk but otherwise no purchases. Was very hard to get out of my nice warm bed and go to work in this downpour, so I'm now having a coffee with the fire on in recompense

Thanks again SJ, you have definitely created another spreadsheet addict :rotfl:so now I'm going to have a play with some more numbers and then time for dinner

Tjh1412

New card reader showed up in the post today :jso was able to send a £15 payment across from my survey and shopmium profits this month so far.
Off to ads@ shortly for the weekly food shop, hoping for a few ys bargains to help us come in under budget. Currently horribly wet and cold here, so looking forward to getting in later and lighting the fire whilst I sort our meal plan for the week, and then I have a new book to get stuck into

Tjh1412

Missed posting yesterday, new books are fatal to productivity :rotfl:
So in money news, I got a payrise at work, and they are backdating it to the start of the month:T. Also a couple extra pounds due from Shopium and survey sites, so shall sweep that across as an OP when it hits the bank.

Dinner is in the slow cooker, so the plan for tonight is to ponder where the extra money shall go each month, the mortgage is very tempting but there are a couple of jobs we need to do around the house etc, still only have curtains on the front half of the house for example Anyone got any suggestions?

Tjh1412

Nothing really going on, still waiting for payday. £10 chucked at mortgage but that won't really make a difference...roll on the 31st

Tjh1412

Only 2 days til payday, so £100 will be going off the mortgage then, and after we've decided what we cant live without anymore for this month I will see what else I can sneak over. HM chicken ham and leek pie currently in the oven, overtime today for a few extra pennies so off to Netflix with a coffee for me now

Blibble

You get paid late Tjh1412! But it does mean that the next month will be a 4-weeker for you, rather than 5.

Loving the sound of homemade chicken ham & leek pie! Do you use ready-made pastry or make it yourself, as that's the bit that always puts me off!