📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Time to get my house in order!

1246721

Comments

  • jenni_fer
    jenni_fer Posts: 529 Forumite
    Part of the Furniture 500 Posts Name Dropper
    Congrats on the first OP. First of many!
  • South_coast
    South_coast Posts: 5,935 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    ....he was gobsmacked when he saw our mortgage was £855 per month!
    Aahhhh, he thought you had one of those "magic beans" mortgages....😂!
    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!!!
  • Thick_n_Thin
    Thick_n_Thin Posts: 329 Forumite
    Fourth Anniversary 100 Posts
    Thanks all for stopping by! South_coast said:
    ....he was gobsmacked when he saw our mortgage was £855 per month!
    Aahhhh, he thought you had one of those "magic beans" mortgages....😂!
    🤣🤣 yes he was genuinely shocked, he thought that was the overpayment as well! I blame myself 🙈
    So the exercise with the shopping list worked out quite well, I was quite accurate with my costings and I enjoyed the challenge of trying to get the items for less than my budget for that item, it also helped me focus and not add additional items into the trolly, ( the only thing I bought was some magnum ice creams that wasn’t on my shopping list but £3) the total at the checkout was £93.24 so we’ll under my £100 budget however I forgot my weekly sausage and bacon pack that my mum gets me from the butchers for £10 so I will need to pay her for that, so minus the £3 for the ice cream I was pretty much bang on £100 so no overpayment this week but it’s definitely helped keeping me on the straight and narrow, had I not done this I think an extra £30 easily would of been spent this week, I’ve also bought enough milk, bread, eggs to last the week so definitely won’t need to top up at any point through the week and risk further overspending so I’m counting this as another win!
    Aiming to be mortgage free in 3 years June 2023. 
    May 2020 - £63,493
    Jan 2021 - £56,145
    April 2022 - £44,750
  • Thick_n_Thin
    Thick_n_Thin Posts: 329 Forumite
    Fourth Anniversary 100 Posts
    Yesterday was pretty uneventful, went to B&Q to get some wallpaper samples for our hallway that we are currently decorating, managed to resist any purchases in the garden section, I have been after an outdoor rug and some cushions for our outdoor furniture but it’s not an essential purchase and hasn’t been budgeted for so I managed to resist. On the whole it ended as a NSD and was a good practice for seeing things that I want but resisting temptation.
    Saturday night we usually have some treats, usually this is a curry/pizza /Chinese, we don’t have the takeaway variety usually it comes from the supermarket, one of their dine in meals or their Indian meals or the like, this will normally cost between £8-&10 for the two of us. Last night I made a curry from scratch and I’ve got to say it was really nice, it was just a recipe from BBC good food, easy chicken curry, I just choose the one with the least ingredients. I did buy the little packs of samosas:bahjis with my shopping and I think I will definitely do this again! 
    Plans for today... going to make a big breakfast in a minute.. this has become one of our habits during lockdown as I normally don’t bother with anything too heavy for breakfast but OH enjoys it however I really need to tackle my weight next week as I feel like I’ve put some on during lockdown so today will be the last day for any treats and then I need to get back on the wagon tomorrow.
    Aiming to be mortgage free in 3 years June 2023. 
    May 2020 - £63,493
    Jan 2021 - £56,145
    April 2022 - £44,750
  • South_coast
    South_coast Posts: 5,935 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    That sounds great with the curry, my BF does that (or used to pre-lockdown, when I was allowed into his house 😢) makes his own curry and tops up with shop bhajis and samosas, or prawn toasts and crispy seaweed etc with a Chinese. Mmmmm 😍
    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!!!
  • Thick_n_Thin
    Thick_n_Thin Posts: 329 Forumite
    Fourth Anniversary 100 Posts
    That sounds great with the curry, my BF does that (or used to pre-lockdown, when I was allowed into his house 😢) makes his own curry and tops up with shop bhajis and samosas, or prawn toasts and crispy seaweed etc with a Chinese. Mmmmm 😍
    Hopefully it won’t be too long now before we can meet with people properly from outside our households, I really feel for couples who aren’t able to isolate together it must be very tough.
    I have had a very lazy day today... reading my magazine stash and watching tv, I think I will be recalled to work soon so I need to make the most of next week and get a jobs list ready so I can at least feel like I’ve been productive. 



    Aiming to be mortgage free in 3 years June 2023. 
    May 2020 - £63,493
    Jan 2021 - £56,145
    April 2022 - £44,750
  • Jessy103
    Jessy103 Posts: 2,307 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    You're definitely not the only one TnT! I think all us MSEs are constantly thinking about it, but I hope you feel better soon 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!
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.6K Banking & Borrowing
  • 253.3K Reduce Debt & Boost Income
  • 453.9K Spending & Discounts
  • 244.5K Work, Benefits & Business
  • 599.8K Mortgages, Homes & Bills
  • 177.2K Life & Family
  • 258.1K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.