Pay off mortgage and start having even more fun 😁

skint_spice

The clothes plan is not bonkers if you love your clothes. I am thinking of paring down and buying better quality stuff that will last for years (in reality all my clothes have to last years anyway 😂).

Jessy103

Great progress, NG! All the best for 2024 x 

newgirly

Thanks skintspice, I keep mine a long time too, just have too many 😆 I’ve struggled with what better clothes to but to make them last? I don’t see that much difference with basics from the likes of primarni, I’ve jeans and T-shirts I’ve had for years that are ok, some types of things I would avoid mind. Let me know if you have any tips, I guess buying second hand maybe. 

Thanks jessy 🙂

Ds1 is home finally 😊 this might mean I have to pop out and get something for dinner today as dh was going to continue cheese eating while ds2 and wife were having bean burgers I bought yesterday, supermarket on a Saturday won’t be fun,I might just pop into town and get sausages, I wish out butchers a few doors up hadn’t closed. 

What to do today? Dh has been off work all week and we haven’t done anything, apart from meeting friends separately 😆 he needed a rest though! Maybe I can persuade him to come for a walk this morning 🙂

CathT

You've achieved so much in 2023 and you'll be free of your mortgage before long. 

I don't envy you braving the supermarket today, I popped yesterday in the middle of the day but thankfully only needed a few things in a basket. They had run out of 4 pints of milk though! 

newgirly

Cheers Cath, we went to a petrol station tesc@ in the end and paid over the odds as I couldn’t face it 😆

I’ve just realised that I’ve not added up my mortgage payments for 2023, may as well do after all the work it’s been: 

💙💙💙💙💙💙💙💙💙

  January 2023 £57,618.40

  December 2023 £38,272.54

Paid off in 2023: £19,345.86 which is less than the target I just set in January of £22,372, but a big improvement from the year before where it was only a total of £7,319.80. 

 The 2024 target is £25,280 though 😱 

This year we have spent 42.5% of our total income from everything including the kids’ keep on the mortgage. 

Next year if we stick to the figures it will rise to 49% if we get the extra £300 income and 53% of all income of not, a scary thought! 

On that note I’m off to make a cup of tea and think about what I can list to sell 😂

South_coast

newgirly said:

On that note I’m off to make a cup of tea and think about what I can list to sell 😂

DH?       

LadyWithAPlan

What great progress on the mortgage - that’s a serious OP! 

Can you imagine in 2 years when the mortgage is gone how much you can invest and pump up that fun fund! 

On clothes I do buy vintage as you can get fabulous fabrics vs cheap fabrics/fashion now .. it’s individual and the butTons, details , hems etc are all made to last . 
I often pay to get any vintage dresses tailored a bit to fit me perfectly - it’s not expensive. 
I have also found some incredible dresses in CS abroad - I love finding a silk dress in Australia or 70s retro in LA and the French CS are amazingly cheap for designer stuff - so if you go on holiday go looking in high end consignment stores rather than their local shops. 

themadvix

LaPlan, Newgirly is on a strict clothes buying ban - don’t you be distracting her! 😂

newgirly

South_coast said:

newgirly said:

On that note I’m off to make a cup of tea and think about what I can list to sell 😂

DH?       

Not sure he would fetch much now 😂

Lady with a plan, that all sounds so glamorous! I used it wear vintage style fifties dresses when I younger but haven’t really in years, now I’ve slid into mainly comfy boring clothes unless it’s a special occasion, I would love to see your wardrobe 😁 food for thought, thank you. 

Thank you Vix, this is true 😂


For New Year’s Eve we are off to my parents along with my brother for a takeaway, usually we don’t do New Year’s Eve really anymore but as we missed Xmas with them I thought we should stay up late and go. 

Hopefully tomorrow I can use the cc for food again, well on the 2nd maybe as I don’t want to venture out on New Year’s Day, it’s probably all closed anyway.
 I’ve already bought a few birthday presents since Xmas, the monthly savings pot is £200 for birthdays /Xmas renewing every January, my hope is to buy things not from the budget to create a monthly surplus if at all possible. So far after Xmas I’ve bought best friends presents for Jan and candles for mum and dil’s birthdays, a beauty set for friend in March, and earrings (bought before Xmas) for another friend tomorrow. Total spend without dipping in £165 

Theres no way I can do this all the time but over the course of the year it’s worth a go and doesn’t matter if I can’t afford to carry on as the money is in the budget to pay for it all anyway. 

So January I still have £50 cash to pay to best friends oldest as it’s his 18th, and £30 for my uncles birthday, doubt I can find the cash but the £30 I will try and spend on the grocery credit card if I can, January is always a frugal month anyway. 

Happy new year everyone 😊

killerpeaty

Happy new year!

You've had a great year! Well done. Can I ask, but please don't answer if you don't want to, why  is your goal £25,280? Its a very specific number!