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Getting shot of the mortgage sooner than 2049!

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  • smetf
    smetf Posts: 362 Forumite
    Part of the Furniture 100 Posts Name Dropper Photogenic
    Exciting news about the conservatory, and sounds like a good day! Ones like that are always appreciated! 
    S
    Emergency fund 13.5k Home/ holiday fund 6.5k Mortgage £45,614
  • I love that the children were excited to see Red, a shame he wasn't able to take them home, at least he was able to take the bikes and make it easier for you.

    If it was me I would contact Tesco and explain disappointed you are with the charge in the hope that as a goodwill gesture it is refunded. 
    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 
  • Bluegreen143
    Bluegreen143 Posts: 3,704 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    edited 25 February 2022 at 8:09AM
    Hello diary!

    Such a busy/stressful week at work, especially yesterday, when I had to go into the office to top it all off! (Ooops £5.40 spent on food while there…).

    BUT I don’t work on Fridays, happy days 🙌🏼 my manager has asked this week (twice!) if I’m sure I don’t want to increase to five days. Erm, very sure 🤣 I really would love to keep to my current hours even when Bambi goes to school as we don’t need the extra money and then I’d have a housework/errand day while they were at school on Fridays, plus it helps cover holidays when I’m already off one of the days. But I have a sneaking suspicion that when it comes to renewing my contract in a year’s time there will be pressure to increase my hours. Bambi still has 2.5 years before starting school if we defer her school entry, which I intend to do, so we’ll see.

    Plan for today
    Need to get Monkey off to school, got a Tesco order coming 9-10am, want to do something outdoors with Bambi and bake with her, get housework done and then after school we have one of Monkey’s school friends coming with his mum for a playdate. 

    🔘 Usual daily chores - tidying, kitchen, laundry, feed pets 
    🔘 Clean bathrooms & cat tray 
    🔘 Bake some sweet treat for the playdate 
    🔘 Hoover everywhere (made more difficult by MIL borrowing our hand held hoover - I’ve got a big heavy one in a cupboard I can lug about though 😆)
    🔘 Work on sewing the cushion cover I’m making for the IKEA chair 
    🔘 Do some Gaelic revision as my classes have finished so I need to remember to learn on my own for now… and write up those conversation prompts for dinner!!
    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
  • themadvix
    themadvix Posts: 8,767 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    Hey Bluegreen, what you’re adding totally resonates! I’m doing a buy nothing new in 2022 challenge - it’s run by Jen Gale who writes about Sustainable-ish living. She has two boys and first did a buy nothing new year when they were about your kids’ ages. I wonder if that might be of interest? (You make your own rules and there’s no such thing as failure). We have a very supportive Facebook group but if you don’t do Facebook you can sign up for her emails too. There’s a good video intro of her Zoom call about it on YouTube - https://m.youtube.com/watch?v=pUxTfRguvAc
    Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days

    'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway


  • @themadvix that looks brilliant! Thank you, I’ll check it out. 

    I know I will buy new things from time to time but I’d like to start being really intentional about whether we need it and whether it needs to be new or can be second hand.
    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
  • themadvix
    themadvix Posts: 8,767 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    That’s exactly what the challenge is about! Enjoy!
    Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days

    'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway


  • Bluegreen143
    Bluegreen143 Posts: 3,704 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    edited 26 February 2022 at 10:14AM
    Re yesterday’s lists:

    ✔️  Usual daily chores - tidying, kitchen, laundry, feed pets 
    ✔️  Clean bathrooms & cat tray 
    ✔️  Bake some sweet treat for the playdate 
    ✔️  Hoover everywhere (made more difficult by MIL borrowing our hand held hoover - I’ve got a big heavy one in a cupboard I can lug about though 😆)
    🔘 Work on sewing the cushion cover I’m making for the IKEA chair 
    🔘 Do some Gaelic revision as my classes have finished so I need to remember to learn on my own for now… and write up those conversation prompts for dinner!!

    Today Red needs to help his mum all day (she’s just moved into sheltered housing from a house so has sooooo much unpacking and decluttering required due to the substantial downsize involved) so I asked my mum if she fancied taking the kids all day (rather than me be stuck at home with them) and she agreed! Hardly anyone has ever babysat Bambi due to her being very clingy to me (first 16 months she was breastfed and wouldn’t take a bottle and didn’t sleep so nobody wanted her 🤣) and then the lockdowns etc. But Bambi has been asking to visit Nana and Papa so this is her first full day with a relative ever! Though she does go to nursery so not first day away from me of course. The next step is we are desperate for my folks to take them both for a night as they only take Monkey atm. We’ve never had a night away from Bambi yet and she’s 3!

    Red is driving the kids over now and going straight to MIL’s, and my folks will take the kids home again - not sure when but hoping for 4-5ish 🤣 I have a PT session at 11 and my friend who I go with is picking me up, the rest of the day I intend to mainly be sorting and decluttering the cupboard of doom in the kids’ room and the playroom and may move to outdoor toys if I have time! They have way too much stuff just now as both have their birthdays in Dec and our families buy them far too much.
    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
  • themadvix
    themadvix Posts: 8,767 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    Sounds like an excellent day😁
    Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days

    'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway


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