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  • newgirly
    newgirly Posts: 9,335 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    I bet you are on tenterhooks waiting to find out when you go back I know I am! 
    MFW 67 - Finally mortgage free! 💙😁
  • Once you have kids nothing is ever your own again!! 
    Mortgage start date Nov 2014  - £90,545 over 25 years
    Re-mortgage Oct 2017 - 78,295 over 23 years
    Re-mortgage Jan 2020 - 55,000 over 26 years @ 1.94%
    Current Mortgage Outstanding Middle December 2020 - £
    47893.35 - a reduction of £42,652 in just over 6 years!  


  • South_coast
    South_coast Posts: 5,868 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    Keep your chin up, you're doing great 😀 And if BF had gone to the shops he probably would have spent more! 

    P.S. Now I really want jaffa cakes....
    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
  • Jessy103
    Jessy103 Posts: 2,242 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Once you have kids nothing is ever your own again!! 
    I don't know how you do it! 

    Hi, I feel your pain about being in limbo about when we will be returning to work.. it’s the not knowing that’s the worse and dosnt help with planning finances ect. I have to keep reminding myself that as long as we are healthy then there isn’t much we can’t overcome.
    It really is, but you're so right, we are healthy, safe in our nice homes and better off than a lot of people, so we have to be thankful for that. 

    Keep your chin up, you're doing great 😀 And if BF had gone to the shops he probably would have spent more! 

    P.S. Now I really want jaffa cakes....
    Thanks SC 😀 Haha! Sorry!! Well, we didn't even open them last night!! It'll be our weekend treat instead. 

    I also called the vets yesterday about Dog 1's booster. They said that they're not doing them at the moment and if it's only due now, he's fine for another 6 weeks (good to know he's safe), so that's some time for things to hopefully go back to normal and a relief money wise for me, I really didn't want to dip into the EF. I've decided to set up another savings account for little things like this, a miscellaneous account for dog boosters, birthday cards and presents etc. Even if I just put £20 in a month it will certainly help. 

    The food plan today is cereal for breakfast, spaghetti hoops on toast for lunch and curry for tea (I bought a saag masala sauce to try and will just add a load of veg).

    Have a lovely day! X
    Mortgage Balance as of July 2025 £14,900.
    Starting Mortgage Balance (June 2019) £72,000.
    Aiming to be mortgage free by my 40th birthday, June 2026!
  • newgirly
    newgirly Posts: 9,335 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Hi jessy, I guess it’s better than no info at all regarding going back to work, fingers crossed your job is still there. I’ve been trying to find out when furlough may reduce to 60% if they do go ahead with it, will it be after June or imminent....
    MFW 67 - Finally mortgage free! 💙😁
  • Jessy103
    Jessy103 Posts: 2,242 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    newgirly said:
    Hi jessy, I guess it’s better than no info at all regarding going back to work, fingers crossed your job is still there. I’ve been trying to find out when furlough may reduce to 60% if they do go ahead with it, will it be after June or imminent....
    Oh gosh NG, I've not heard about it going down to 60% I hope it's as late as possible or preferably not at all! X
    Mortgage Balance as of July 2025 £14,900.
    Starting Mortgage Balance (June 2019) £72,000.
    Aiming to be mortgage free by my 40th birthday, June 2026!
  • newgirly
    newgirly Posts: 9,335 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    I’m sure I read online somewhere it may be mentioned Sunday, hopefully it’s after June! 
    MFW 67 - Finally mortgage free! 💙😁
  • Jessy103
    Jessy103 Posts: 2,242 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    newgirly said:
    I’m sure I read online somewhere it may be mentioned Sunday, hopefully it’s after June! 
    You're right NG. Just did a search about it and there is a lot of articles about it being cut to 60%. As you say, we'll just have to wait and see what Boris has to say about it tomorrow! I have done a few quick calculations and with 60% of my wage and the money BF contributes, we would still be able to pay all the bills, although no further OPs could be made and we would need to be careful! 

    Unfortunately, it wasn't an NSD yesterday. When speaking to the vets about Dog 1 the other day, I also spoke about Dog 2 who is on medication for the rest of her life for incontinence (an unfortunate outcome to having her spayed) and she needs some more. That was £17.90 for 30 tablets but seeing as she only has half a tablet once a day, that's 60 days worth. I paid for it over the phone and we will go collect it today. 

    The veggie curry was a hit last night! Really lovely sauce and all plates were clean (boyo can be a bit fussy with some foods - he doesn't like tomatoes and mushrooms, two of my favourite foods! I now cut them into really small bits and disguise them in a sauce to trick him into eating them! Mwah ha ha haaa!)

    Today will be a cooked breakfast for brunch (potato waffles, beans, plum tomatoes - which boyo now likes after I encouraged him to try them and fried eggs) For tea we will be having Linda McCartney mozzarella burgers, mash potato and mushy peas, might do some fried onions for on top of the burgers. Starting to think we don't eat the healthiest of meals! 

    Taking a day off from streaming today to do some cross stitch birthday cards, should be a nice relaxing day.

    Take care and stay safe x
    Mortgage Balance as of July 2025 £14,900.
    Starting Mortgage Balance (June 2019) £72,000.
    Aiming to be mortgage free by my 40th birthday, June 2026!
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