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Getting shot of the mortgage sooner than 2049!

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  • Welcome to the MFW board! 
    Cake looks delicious!!!! Enjoy :-)
    Current mortgage (1 Jun 2022): £289,501 - originally £351,999 got to love London sized mortgages!
    OP Goal 2022 = 3.75% in OPs: £6,975 / £13,200
    Emergency Fund Target: 3 months saved ✅
     
  • That looks so good 😍
    *Dad loan - £5300 - £7200
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£0.00

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £840
    *Total debt - £8040/£11641.17*


    Savings
    *Savings Buffer - £100/£1500
    *Emergency Fund - £1500/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • That cake is awesome, I would like to borrow your idea for dd's birthday cake. Could you kindly share the recipe?
    Fashion on a ration 2025 0/66 coupons spent
    79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases

    One
     income, home educating family 
  • Thank you @Bluegreen143 for sharing your recipe, off to add chocolate orange to the shopping list 😋
    Fashion on a ration 2025 0/66 coupons spent
    79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases

    One
     income, home educating family 
  • Have had a little girl with the runs here (sorry tmi) so am having to reschedule her first nursery sessions! Typical! However Monkey is loving being back. Will need to tighten up the morning timings for when Red goes back to work - it’s an adjustment after no early starts for ages!

    No financial news or spends to report, except I will need to buy Monkey another pair of indoor nursery shoes as his have vanished since he was last there in December (I think maybe they were the size he was outgrowing so I probably threw them out, so that’s fine). Bambi also needs a couple of new pairs of leggings and possibly pants as some got totally ruined when she was having her tummy troubles... hopefully she’s ok now as it’s been nearly 24 hours with nothing, and we may be able to get the first settle session rebooked at the end of this week 🤞🏼 Will just pick up cheap shoes & leggings at Tesco.
    Part time working mum | Married in 2014 | DS born 2015 & DD born 2018

    https://forums.moneysavingexpert.com/discussion/6542225/stopping-the-backsliding-a-family-of-four-no-longer-living-beyond-their-means/p1?new=1

    Consumer debt free!
    Mortgage: -£128,033

    Savings: £6,050
    - Emergency fund £1,515
    - New kitchen £556
    - December £420
    - Holiday £3,427
    - Bills £132

    Total joint pension savings: £55,425
  • Poor girl, hope she continues recovering. I hear you on the early mornings, going tonbe a right shock to the system whenever I return to the office lol. I love overnight oats, have yet to convert my husband though!

    Hope things still going well with the job and you're settling in well.
    Current mortgage (1 Jun 2022): £289,501 - originally £351,999 got to love London sized mortgages!
    OP Goal 2022 = 3.75% in OPs: £6,975 / £13,200
    Emergency Fund Target: 3 months saved ✅
     
  • I'll be following your diary with interest @Bluegreen143 as we're in a very similar position with two young children, we're in our 30s and mortgage is due to finish in 2046!! Aiming to knock 10 years off that if we can.
    Mortgage start date: January 2021
    Original mortgage end date: 2046 (!!!)
  • I have told the children by 9.30 they need to be washed, dressed, feed. They hardly ever manage. Virtually every morning I end up going in and waking ds, despite his alarm annoying the rest of the house for over an hour.
    We do set consequences if they don't manage but with little effect.
    When the schools are open the local pupils go passed our house at about 8.20 am and my pair can not grasp that if we didn't HE they would need to be up and out with them.
    If anyone knows what magic I need to perform to get them up in the morning, please share 🙂
    Fashion on a ration 2025 0/66 coupons spent
    79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases

    One
     income, home educating family 
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