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Eating a Vegetarian Elephant

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  • Chiglepig
    Chiglepig Posts: 613 Forumite
    Fourth Anniversary 500 Posts Photogenic Name Dropper
    Ouch! New council tax bill £270 a month over ten months - up £12 a month.
    2014 starting mortgage £165,000
    2015 second charge £20,000 - Jan 2021 paid off in full
    Current outstanding balance - £115,856



  • South_coast
    South_coast Posts: 5,921 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    Oof! I thought my £82/month over 12 months was bad 🤣!
    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!!!
  • Chiglepig
    Chiglepig Posts: 613 Forumite
    Fourth Anniversary 500 Posts Photogenic Name Dropper
    @South_coast, the perils of a four bed detached in a part of Hampshire with a very spendy council -  the biggest part of the rise is the Police and Crime commissioner :s
    2014 starting mortgage £165,000
    2015 second charge £20,000 - Jan 2021 paid off in full
    Current outstanding balance - £115,856



  • FtbDreaming
    FtbDreaming Posts: 1,127 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper
    Ooh I’m dreading mine then it was £105 a month over 12 months. I think our council just line their own pockets and throw money at the nicer areas. They left xmas lights up over the local shops for 7 years... by the 7th xmas there were about 12 bulbs working and they still turned them on. We got new ones this year but they’re still up. It just illustrates a lack of respect for the poorer estates. They wouldn’t do it in the better areas!!! (Sorry for the rant 😳 I hate paying council tax) 
    Mortgage started August 2020 £69,700
    Mortgage ends Aug 2050 MFW: Aug 2027 
    Current Balance: £58,678
    MFW2020 #156 £723.13
    MFW2021 #26 £1184.71
    MFW2022 #11 £197.87
    MFW2023 £785
    MFW 2024 £528.15

    Determined to make it! 
  • Porridgecat
    Porridgecat Posts: 311 Forumite
    Third Anniversary 100 Posts Name Dropper Photogenic
    edited 13 March 2021 at 12:47PM
    Chiglepig said:
    @Porridgecat, it's not will power - it's just not having it in the house!
    That's my problem, we have a lot of it in the house :smiley:

    We haven't had our council tax bill yet but I'm expecting about £155 a month. I also hate paying it @FtbDreaming, our council keep throwing millions ta white elephant projects and ignoring what the community wants. its such an unfair tax as well as it hits poorer people far more than the outrageously wealthy. 
    Mortgage Free 23 December 2020
    Savings £9671 / £20 000 goal
    Emergency Fund £216 / £1000 goal
  • Chiglepig
    Chiglepig Posts: 613 Forumite
    Fourth Anniversary 500 Posts Photogenic Name Dropper
    Morning all, lovely sunny morning here and the wind has finally dropped.
    It's Sunday, so that means shopping for the week, I don't budget as such - DH and DD don't make that possible really and I don't have the time or energy to deal with it as the only one currently working. But I am hoping to come in under £100 this week.
    Malteezers and Cava from DD for mothers day (diet? what diet? :p), I'll call my Mum later, I now owe her two MD presents a birthday present, and a Christmas present, and by the time I see her again that will be two BD pressies! She and Dad live in France, so I haven't been able to see them since Christmas 2019 :'(. But I have my first vacc on Tuesday and will be fully vaccinated by June.
    In other DH news . . . he's currently on sick leave and had decided to retire (see previous posts about getting a house husband!) I caught him putting 21/22 academic dates into his diary this week (face palm).
    2014 starting mortgage £165,000
    2015 second charge £20,000 - Jan 2021 paid off in full
    Current outstanding balance - £115,856



  • Chiglepig
    Chiglepig Posts: 613 Forumite
    Fourth Anniversary 500 Posts Photogenic Name Dropper
    Chiglepig said:
    @Porridgecat, it's not will power - it's just not having it in the house!
    That's my problem, we have a lot of it in the house :smiley:

    Wine in the house, @Porridgecat, is drunk wine! Except for DH's collection of reds, which is safe because I have an allergic reaction to it :(
    2014 starting mortgage £165,000
    2015 second charge £20,000 - Jan 2021 paid off in full
    Current outstanding balance - £115,856



  • Chiglepig
    Chiglepig Posts: 613 Forumite
    Fourth Anniversary 500 Posts Photogenic Name Dropper
    Half way through the month - still not getting on top of the shopping, still over £100 - but much less than last week and last week the only top up was 2 pints of milk.
    Spent Sunday sowing seeds, potting on things that were sown a month ago (into yoghurt pots - frugal and 'green'), and leveling the patch for the pond - project for next week. I find seeds endlessly fascinating and magical.
    This week reinsure the dog (bye bye Pet Plan) and spend money on a parking permit for our local country park, £60 for the year, but at £3.50 per hour otherwise, I only have to go eight or nine times to make it worth it.
    2014 starting mortgage £165,000
    2015 second charge £20,000 - Jan 2021 paid off in full
    Current outstanding balance - £115,856



  • Chiglepig
    Chiglepig Posts: 613 Forumite
    Fourth Anniversary 500 Posts Photogenic Name Dropper
    So, lovely productive day off;
    Dog walked, lots of garden prep/clearing done (with DH's help). DD has started digging the pond and DH saved us £490 a year on pet insurance and improved coverage. And I made 40p on a nectar canvas survey! :D

    Oh and four portions of veg lasagne frozen, plus a fresh one for tonight.
    2014 starting mortgage £165,000
    2015 second charge £20,000 - Jan 2021 paid off in full
    Current outstanding balance - £115,856



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