Pay off mortgage and start having even more fun 😁

TallGirl

Great news hang in there so much going on it’s not a surprise you feel all over the place 

Mrs_Money_Penny

So pleased your getting. Refund.Look forward to seeing your figures. Your doing so well xx

newgirly

Thank you so much everybody 😊

newgirly

💙💙💙💙💙💙MONTH 18 OF THE 33 MONTH CHALLENGE💙💙💙💙💙💙💙 revised edition 😬

Start balance October 2022: £61,452.11

Balance at 6th April 2024: £28,214.15

Total reduction since month one: £33,237.96

Total reduction for March: £6,419.47 

That’s a lot better than the first draft 🙂 I’ve emptied all holiday pots as we can’t go on the cruise or to the caravan break, I should get £816 back for the cruise minus £150 excess, so £666 😱 we will lose the caravan money and it’s not transferable, but it was under £100 so not too dear luckily. 

I’ve set aside £500 as a float for while I’m out of action for things like black cabs to London, misc. bits and a cash pot for top up bits like milk. Plus we have paid for ds2 to have the fizzy drinks package on the cruise which was £275 for both of them for two weeks, and have sent dd and ds1 £275 each as well, plus I have topped up the pound a day saving pot so it’s done until the end of may. 

That’s it for now, we are still on track for the challenge and at the moment are a month ahead ending in May which is 32 months, unless something else comes along to upset the apple cart, it’s bound to happen 😆

skint_spice

Well done!

newgirly

I’ve just realised that I didn’t really update on how dh got on with work really the other day, there’s been so much going on with my diagnosis everything else has come second. 

Dh has finally got them to agree to sign the new lease for the factory which we had prepared last August! They offered to extend it back to three years from now instead of then, but he’s said no (as he fully intends to put the rent up to nearer market value when the time comes 😬) he also put my brother forward as manager , so he can manage the office and ordering side of things and dh can manage the factory floor, which they all agreed on. Hopefully this should make things easier although little brother will need a fair bit of help to start. Plus he told them he wants to go down to three days a week within five years, so he will be about 56 by then, I mean I don’t know why he said five years really, apart from they can’t really do without him, as he could really do that when we are mortgage free if the factory is rented out. For some perspective though, dh had a 20% pay cut when they took over five and a half years ago and hasn’t had any rise since , with no sign of one ever coming! 

Anyway it’s progress, I’m not sure he would have gone that far had all this not transpired with me recently, I’ve been nagging him for a long time to work less.

DD’s flat is now up for sale, so I’m house hunting as close to us as possible 😂 luckily both her and her dh want to live near us, when she first moved out she wanted to live in another town and get away but two years later and she wants to come home! I think they will probably end up with something like we have, a 3 bed terrace they can extend in future with a 40-50 ft garden, budget is £475K for this which is insane for what you get 😳 I did lecture them on overpayments when they bought their flat which they have been doing, so hopefully they will pay it off quicker than we will, we spent the first ten years adding to our mortgage ☹️

newgirly

I went to the shops yesterday and treated myself to a new big blue and white striped vase in primarni for £8 from what remains of my birthday money which is now brightening up the living room and also got myself some SpongeBob socks 😬  whilst out I had a call from hospital to book in a second appointment which will be Thursday so dh has taken the day off, hopefully will get a date for the heart surgery then fingers crossed. 

Dil bought me a lovely heart shaped cushion which I need for after surgery, I’d ordered one from Amazon which was rubbish and thin and she found the perfect one in a charity shop for £2, so that’s been washed ready and I’ll send the other one back 🙂 

Spending from the grocery credit card is down on what it would usually be as dh went out and bought some bits and paid at the weekend, it’s a freezer full of junk food but he’s got a lot on at the moment, it was spur of the moment shopping so next time I’ll do an online shop and do a meal plan, or everyone will look like a chicken pie in a few weeks time 😆

Dil and I had a chat about the garden yesterday and decided to use all the many pots they had grown chillis in last year to make a nice big herb garden, we have a small paved garden (with a huge log cabin and a very old hot tub) so not much room, in future I’d like both of those gone. So I need a nice old small table or similar to get them off the ground and make a feature of it. I’d also like to start off some form of screening for in front of the 6ft fence that doesn’t take too much of the width of the garden up, we have one large bamboo in a pot so maybe more of that to screen out the rather annoying neighbour who lives in his mothers shed. Dil likes gardening so I’ve said I’ll give her some money to choose some bedding plants and plant them up in pots, I would like to use the garden while recovering if it warms up (and pot smoking neighbour is not there 😂) I didn’t use it much last year, not like we did in lockdown anyway. 

Jessy103

Hi NG, just caught up and gosh, so much happening! Sorry to hear about your diagnosis, but glad to hear you're getting it sorted ASAP and wishing you all the best x
Also, glad to hear you got your money back from the scammers. My mum very nearly had the same experience thinking it was my brother. Luckily my dad was working from home that day and managed to stop her before she sent the money because she was looking for her purse for her bank card in a panic. He asked if she'd actually tried to call my brothers number to double check. He answered and said all was fine.
Horrid people though and I hope they get caught and punished!

newgirly

Oh blimey jessy, I’m glad your mum stopped before going as far as I did! They probably don’t get caught I bet ☹️

I’ve got an appointment with a surgeon tomorrow lunchtime, no other information at all except that, so I’m not sure what to expect but hopefully a date to get it done and maybe even an idea of costs 😱 The Thursday consultant appointment I had I was told to cancel as I won’t need that at this point now, still nothing via the nhs yet about an appointment which the gp put through anyway, I shall obviously cancel that if it does come through but it’s already a couple of weeks and it was an urgent referral, it seems there’s no way of finding out realistic wait times for what you need doing, or if there is I’ve not found it. 

Financial bits and bobs : 

£4.50 spent today on 2x apple doughnuts to take to friends house to have with coffee and a French stick

one survey done 

£2.16 claimed from tcb, I might just op that straight to the mortgage 🙂

skint_spice

Ooo I haven’t seen apple doughnuts in ages, used to love them!

i hope you get a clearer idea of what will happen and when tomorrow as the uncertainty must be hard.