Pay off mortgage and start having even more fun 😁

newgirly

Oops, sorry that’s rather large and scary 😆

daisy_1571

Aw happy new temporary home Dodo

Yes, I know you are doing well with your getting rid   

Dxxxx

newgirly

Hooray we have a little rain finally, the hot weather has been too much. Poor mum and dad were supposed to be off to the Isle of Wight today for four nights , their first holiday on their own for many many years, but their handful of a cat decided to swallow a rose stalk out and about somewhere, come in gagging, the vet had no idea what it was and had to operate. I’ve offered to collect and look after the cat (they are nearby) but mum said she will wait and see how she is when she comes out today, I can’t imagine my dad is every happy, they think the rather nice hotel is non refundable….

So this morning as she will still be at the vets, I will be taking mum out for coffee as usual and this time dd as well who has now finished work 😊 Some good news this week is that dh has confirmed that the rent has been paid on the factory for July! One one more payment to make now, so I will pay all of that off the balance of the cc with the higher interest, if they make the second payment and I take into account the £53 direct debit payment to the card then the balance should be £1089.80 by the time the interest free period ends. A couple of months ago we were looking at £5k on that one £5k on the interest free one plus an awful lot more on holiday costs…

So now with a bit of luck it will look more like this by the end of 2025: 

£1036 card with interest (will move or borrow from offset won’t pay cc interest) 

£3536  0% cc 

balance of April 2025 cruise £0 -hopefully! 

Balance of Arctic cruise 2026 £1489 

balance of kids cruise £7,481 

spending money for April cruise  £700 incl Wi-Fi and kids cheap drinks package , trips maybe 

spending money for family cruise £2500 

spending money for Arctic cruise and trips £2000 


Total : £18,742 😱


That’s a mahoooosive amount I know! I think we will have shaved off quite a lot though …


Cancelled our centreparcs weekend in july £350 ish plus £200 is he spending money 

cancelled our two week cruise in sept £4000 ish 

cancelled and rebooked cheaper our Arctic trip £550 ish saved 

saving and earning  through vinted for the April cruise balance (hopefully!) £1419 

So £6,519 ish less than it could have been is how I’m looking at it 😆


Time will tell what we can do and I’m working on one thing at a time, the family cruise is the biggy but we really don’t want to cancel that and I would probably consider taking it out of the offset if we really can’t save it as we have only had one family abroad holiday ever and they will be 26/26/29 by then and it’s something we have wanted to do for a while, plus it’s our 30th anniversary. I want to treat them and it’s something we would choose probably not them so I wouldn’t want them to pay 😊 we will see though, if we are struggling that may change or be postponed. When I said we were splashing out on holidays after being mf I meant it 🤣

daisy_1571

omg 😆   I paid £18,500 for my first flat 😆 🤣 😂 

But you enjoy your holidays and it was the purpose of trying to get mortgage paid off so your living exactly as you planned to be, well done

Dxxx

newgirly

🤣 Wow, Our first one was £44,000 and I thought that was a bargain! 

Month one of the six required to pay for the April cruise done, £236.50 paid. I took a little from the York spending pot as I thought York can be done pretty much any budget really as it’s self catering, so I took £27.50 from there to hit the target. Ideally I’d like to save £100 pm in July/aug/sept for York and take a whopping £300 and splash put a bit, we will see, current York savings are £29.45 so a way to go. I listed and sold a few more cheap items on vinted yesterday but I’m also wanting to buy a dress I have already, bought on vinted a few weeks ago, one I’d seen in the shop years ago in fact, I love it but it’s really too big for me and I’ve spotted it in a smaller size, just waiting on an offer. I shall then relist the bigger one. 

Plans for today are to go to the gym for the first time in a couple of weeks 🙄 and then get dd and take her to the cinema to see the new dinosaur film using my meerkat code. I’ve instructed her to bring a cup so i can make her a coffee before we go otherwise she’ll be at the £7 lattes there 😆 I shall also make Greek salad wraps for us to have on the picnic table outside before we go in. 

I’ve done as suggested and added the cruise payment to the 0% cc while paying the same amount off the other card which runs out sooner. I tried to tell a fairly uninterested dh about all this last night , he was tired and not too bothered though 🤣

Dinner tonight is frozen yellow stickered tomapork steak (aka tomahawk steak 😆) disappointing as I thought I’d got a fantastic bargain, along with a cold rice salad and for me maybe I’ll do a salad to go with it. 

daisy_1571

That was a looooong time ago, 1 bedroom tenement flat in 1986, sold for 28 in 1989, bought next flat, 2 bed ex council for 32 in 1990 but then stayed there a good while and next house was into proper house territory so was 65 I think.  Back in the days of first flat I was only on about 3500 salary so the 18grand was maxed out what we were allowed by the bank.  I don't remember how much deposit we put down, it wouldn't have been that much.

Crazy how prices change (along with our ability to cope with numbers getting bigger).  My mum and dads house, a detached bungalow was around the £3000 in 1969/70, that was my salary as an 19 year old lowly office assistant only 15 years later.  My flat 18and a half, seemed like a huge debt, never get it paid off, parents aghast kind of thing yet only 33 years later we paid more than that on a credit card !!  For a car !!! (that was to get the points, dont worry it got paid straight off  😀  we had an inheritance so were briefly feeling rich lol 😀  😆) 

Dxx

newgirly

It makes me fearful for the next generations to come,how in earth will they afford it?  it seems like it’s just going to get worse especially with the lack of building of affordable homes as well as the surge in recent years of the appeal of becoming a hobby landlord, partly due to h@mes under the h@mmer and the like. I just don’t feel comfortable with peoples homes being someone’s else’s investment, it’s a bit hypocritical as we are trying to rent out a factory but I don’t feel it’s as uncomfortable. 

Had a lovely afternoon with dd today after the gym, made a lovely picnic, got circled by a wasp and dropped my lunch on the floor outside 🤣 then bought us both ice cream and watched a rather good new Jurassic park 😊 dd had run the promotional launch event when it was released so had bit more info than I beforehand, great fun though and only £8.10 spent on icecream (after 25% off!) it’s her birthday week so treats are needed😁 then we popped to get cat food and ended up in the big charity shop next door where I found a really nice large glass lamp which will go amazingly well in the new room as I already bought shade which will fit, and it only cost £5 plus a 50p donation, they always ask for a donation on top which irritates me a bit but I always do anyway. 

South_coast

The factory isn't anyone's home though, NG. You'll be renting it to a business, who are hoping to use it to make money. Very different!

themadvix

South_coast said:

The factory isn't anyone's home though, NG. You'll be renting it to a business, who are hoping to use it to make money. Very different!

This, exactly. It’s a completely different thing!

Lamp sounds like a bargain. Agree with you about the donation - I usually say no (unless it’s Cats Protection and then they will manage to upsell me anything! 😂).

Watty1

Agree re the donation. Felt really bad after leaving charity shop recently where I had declined to buy a lottery ticket as the lovely elderly lady behind the till turned to her colleague and said how much she hated asking and only did it because they had been told they had to and she just felt she couldn't.  I felt so sorry for her that I nearly went back and bought one (I didn't though).