Eagerlearners journey to Terminate the mortgage

wishingthemortgaheaway

In the red book the weight & height charts go up to adulthood. We looked when our dr said our little one was likely to be 6foot plus as an adult, and true enough, his height chart line if it continued as he was doing would take him to the height.

I assume the comment about the red book means to check he's still following his 'line' and if it has dropped massively then you may want to investigate further, or, if he's still following it, then you can be reassured.

EagerLearner

Thank you both, I must have looked at the wrong section when I looked as it made no sense, will definitely do that then as it will reassure me.
Kindofagirl, MiniEL is in 7-8 year old clothes, sometimes 6-7 still fit, I know he is growing as recently had to get rid of lots of trousers and need to get new. I guess it's hard not to compare other kids, esp when he was the same size as them 6 months or so ago. But at 5" nothing I haven't much to expect have I ha.
And YES I love YNAB, and this is me as someone who has always been brilliant with money, starting work and literally being financially independent from my mum at 15. But my gosh it works and seems to me to have taught me that I work well with the scarcity mentality tee hee. If you have ANY questions as you go please pm me or ask here as I know you will love it long term too. have you noticed any significant changes yet?

Wishing I can't wait to check that now, he's away for the weekend but I shall be ready with the red book on Sunday & a measuring tape!

A client has not paid today which is unusual, so I think my happy YNAB moment will have to wait until later or Monday now, harrumf.

Have a tax return to do on the weekend which I can likely invoice early next week, and a potential new client in the pipeline for some ongoing work which would be fab.

Still no news from the Ombundsman re my supermarket complaint, I will be interested to see if they side with the supermarket in saying £15 is enough for what we found lurking.

Off to do some shopping on a veeery tight budget, I shall be breathing in and aiming to go no more than £32 for this week. Freezer is full of freshly batch cooked meals, so I just need mainly fruit and sandwich/lunch stuff, wish me luck! That way my YNAB category can last to 31st I hope...

kindofagilr

I hope when you check the book your fears vanish

Thank you very much for your offer of YNAB help I will deffo ask you some questions if I get some

Yes I really have, I thought I was quite good with budgetting now (since having our debt light bulb) but have never really been any good at saving, I can already see in 13 days that that is going to change with YNAB I love that you can keep everything in one place but have little pockets as such on YNAB, I love that all the money has a job, cos I do find that if I have "spare" it gets wasted, if it has a job then its not going to as much

I really do love it xx

greent

My youngest is 10 in May - and he is wearing an occasional 7-8 item still - some children are never going to be big xx

EagerLearner

Hey everyone,
Hope you had a fab weekend!

Thank you greent that is reassuring I am not the only one, he's eating like a horse right now which is at least reassuring. But yes I have to accept genetics come into play ;-)

Watched the MLMS on catch up and it inspired me to get looking at if I could reduce my £13 SIM mobile offer and sure enough even though I only have 1gb sim, checked my usage and it's 250mb on average as I work from home. Minutes are around 300-500 a month so I have downgraded to 1000 mins and 1gb. £2 a month saved, £24 for the year, not bad at all for a few mins worked and I stay with o2.

Saved £9 on a free after school session offer, so £0 spend there.

£6.50 worth of points on consumer pulse, so will hopefully cashout next few weeks, ready for Xmas 19.

Called Virgin Media to see if we can get a better deal, basically prob not and would at least avoid a price increase. I need to get my big girl pants and call them today to ask why they are offering new customers a much better deal for the first year...

Potential new client meeting on Weds for a chunk of time per week, plus ALL expected payments came in today so I will finally have my YNAB moment ha ha. £400 going into mortgage offset from the get go, £80 into holiday and the rest towards March bills woop.

have a great Monday ;-)

EagerLearner

Hi everyone,
Today has been great, we spent some time at a friends and my little man won a special award at school. Clients paid (bar one, who will pay 'next week' which is annoying as I have done the work). I have had my ynab moment, and we are paying into March now. Savings rate will likely end up around 30% this month which is good but I had hoped for better. Still, it's January...

Aiming to increase our Uown DD next month, getting decent returns so worth a try I think, esp as it's student rentals. And let's face it, less and less people are getting on the property ladder so rental is big business.

I hope you all have lovely plans this weekend, I really want January to be over and done with ha, bring on Spring ;-)

beanielou

Well done to your little man

EagerLearner

Hi everyone how was your weekend?
I had a nice one but a family member had surgery which is always worrying, on the mend now though at least.
Another family member needs our help and potentially may need to move in with us, possibly quite long term. This has all sorts of implications and not something we thought would happen right now. Everything is a bit up in the air.

In regular news, have finally reached £10 on CP so first Argoose voucher can be claimed for Xmas19 which is fab.
Bank is not running away with us costs wise, trying to be good and stick to ynab categories so that we don't have that hard 2 week stretch end of Feb esp with half term.

Batch cooking spag bol and soup this week so hoping this will help, and have planned out the month worth of food. Stretchy chicken planned too as we had a roast yesterday will will likely create pasts & cream cheese with mushrooms, plus some noodle soups too.

A new client has confirmed 8 hours per week which is fab, need to move my rear end and sign some stuff on that.

EagerLearner

Hi everyone,
A quiet week here income wise, though a family member has been very generous so this has helped with an unexpected cash gift. We are going to focus on our front garden and padding out savings a little, makes Feb more bearable with less work.

If we account for monies in savings & investments our mortgage could be £58,742 right now, so every day it spends working in the markets and in UOWN hopefully that amount gets better and better. I would love to think that in 10 years we could be mortgage free... keeps me motivated as this is a slow burn isn't it...
Does anyone here invest in alternative vehicles like UOWN?

EagerLearner

Hi everyone,
Getting close to that mid month slump, and work has been pretty quiet so we're hibernating and not spending much at all.

Updates:

- Chased £100 from nationwide (if anyone would like me to refer them to Nationwide let me know, we'd get £100 each, just PM me). Should get this next few days.
- £9.17 tracked on Quidco so have requested payment and this will go into the offset pennies for next month
- Chased a supplier who charged me incorrectly and they are now refunding, thank God for YNAb as otherwise it could have just gone out
- Placing an ad today for my business, hopefully can get just 1 more client, enabling me to stop working with a very cheapskate one ha
- Bought 4 pairs of trousers on ebay for little man for under £10 delivered, they arrived today and I am chuffed with them. I am sure the auction was only 3 pairs so #result!
- Bought the M&S deal for Valentines, brilliant deal inc wine yay
- Spent just £20 on petrol which will last us to end of the month so will pop the extra £15 into mortgage offset fund
- March nearly fully buffered, should be able to do this Friday woop then everything else can go to April.

Hope everyone is well!