Pay off mortgage and start having even more fun 😁

themadvix

Thanks NG! You’ll get there soon too!

 Make sure you opt in for 80% off fvf this weekend on eBay! 😊

newgirly

Thanks Vix, will check it out 🙂 hopefully get a bit of money in! 

newgirly

Listed a couple of items on fleabay yesterday, one has watchers one nothing so far 😩 

Last night was noisy here, we have a big loft room bedroom which is pretty cool if you open the windows either side and get a breeze through, the downside is drunks going by sometimes, last night was a more classy set up with three Italians singing and playing opera on their phones hanging out for ages on the green over the road 😆 but that combined with some racing cars and dh’s snoring lead to little sleep! 

Checked the finances last night and it looks like there’s £4.07 left in my personal spending pot (until the 22nd ish when I top it up with the monthly £100) and £48.01 left in the everything else but mainly food and petrol budget 🙄 aka £3.69 a day 😱 plus I’ve only 2 bars of petrol and am taking mum for coffee Monday and aunt to the cinema Tuesday, will be a tricky end to this month I think! 

With the kids away it would be possibly achievable if we ate weird cupboard stuff and soup, but they are all back Monday so we have no chance, ds1 is off to Glastonbury but even so I think £3.69 is a bit sparse…

Ramouth

As a child we would have ‘Cowboy Dinner’ quite a bit towards the end of the month.  It was only when discussing this with my mother a good 20 years later that I learned that this was because there was no money to buy food.  We just thought it was tasty!

Cowboy dinner is a mixture of baked beans and rice, sometimes with added chilli powder.  It is very cheap, filling and tasty so I would thoroughly recommend it as part of your efforts to feed the thousands on £3.69 a day!

themadvix

Go for the cupboard clearout NG! I bet you can do it if you put your mind to it. And cowboy dinner sounds great @Ramouth - might have to pinch that!

newgirly

It’s so much easier cooking cheaply in winter I think, slow cooker chillis etc. I’m sure I’ve heard of cowboy pie, no idea where or what it was, not sure dh could cope without some form of meat or meat flavour though 😩 I usually go for toast if there’s not much in which is not the best! 

Will try to pop to Lidl tomorrow and see if there’s some waste boxes, they are quite rare though. 

South_coast

I did a slow cooker chilli today - just eaten it 😋

(Now trying to convince myself to do the washing up 🙁)

newgirly

South_coast said:

I did a slow cooker chilli today - just eaten it 😋

(Now trying to convince myself to do the washing up 🙁)

Haha the worst bit for sure! 

Father’s Day was busy, went with my parents to my brothers for a coffee, hopefully dad liked his photo canvas, not really sure tbh 😂
Dh took dd to his parents for breakfast then they basically went on a mini pub crawl 😆 they didn’t eat out but dh sent me £50 to buy some food for them halfway through , hooray! Bought them frozen pizza/burgers for dh and salad and spent the rest on other food, they didn’t mind after a few beers!

I’ve been living on rightmove lately, last night at 11 we had yelling outside, this morning at 5am a rubbish clearance company parked up yelling at each other 😒 generally I’m quite nosy and love a bit of people watching/curtain twitching, but I don’t want to be woken up all the time! 

themadvix

Oh NG, you have my sympathies with the noise - I don't blame you for looking for somewhere else. But do bear in mind that this sort of thing can happen anywhere (not so much the weed-smoking neighbour's son, but definitely do your research!).

Glad DH helped you out with some cash for food!

newgirly

Thanks Vix, I think the hot weather has made things worse recently 🙄 I’m not sure if we will move, we have been here so long now. 

It’s been 22 years 😱 we planned on about 2 years as the garden is fairly small compared to the house we had before, but here we still are 😁
In the previous house buying world we managed to meet each other and buy a brand new 2 bed flat with no deposit four months later (£41,800 after builders paid the deposit and fees), we stayed there for two years then sold it for a slight profit, enough to get a three bed cottage with a huge garden £59,500, after 3 years there  we sold it for £104k and bought his house for £120k (was a 3 bed terrace, now worth probably around £500k ish).
When I tell my kids this it blows their minds how much easier it was for us, dh worked in a factory and I running a clothes shop so not big earners, we both had cars and I stopped working at 25 properly as by then we had three kids and childcare was way more than I could earn.

My mum was just saying yesterday that it was hard for them at 16% mortgage rates, which don’t get me wrong I know some people lost their homes, but things have changed so drastically in the last few years, they bought a big house in the London suburbs on one average wage, it would be about 30 times that wage now. 

I feel so bad for how some will struggle as rates go up, together will all the other price rises. I feel very lucky that I found this site and especially this board as I would have continued to remortgage and add to our debt and life would be very different. For some I think being sensible with money comes naturally, me not so much 😂
I’ve been told by family (in a round about way)  it’s pointless clearing a mortgage early as you earn more in the future and don’t need to/ it’s not a great deal of money anyway, so I’ve given the kids the opposite advice and found out at the weekend that dd and her dh have been overpaying (double the required payments) since they got their flat, it’s honestly hade be so happy! They can afford it, but they didn’t even know about overpaying until they had various lectures from me about it in lockdown when they lived with us 😆 

Anyway I’m off for a coffee now after this long heavy post first thing 😆