GAP and LMG, can we become mortgage free?

girlatplay

Thank you @joedenise @savingholmes @EssexHebridean and @2Scratters
It was a bit harder towards the end of the month there but yes, £1 a day minimum is what I'm aiming for so that I'm always paying something.  @2Scratters that's a good idea for an aim.


It was a really busy weekend just there.  I meant to catch up here last night but I just couldn't keep my eyes open long enough.

I managed to keep OPing/PADding over the weekend and that plus a payday boost today makes my declaration today = £54

Total OPs to date: £259 (plus 19p interest)

savingholmes

Well done on the £54 jump. That's really good.

Look after you too though. You can't earn the £ if you get too run down.

girlatplay

@savingholmes you are right.  I'm just struggling with tiredness at the moment.  Fatigue is a symptom of my health issues so I fight it every day anyway, just seems to be a bit more at the moment.


The first mortgage payment came off today.  I'll amend my signature shortly.  @savingholmes I like your idea of counting the months so I'll be nicking that.

I have tried to talk LMG into making an overpayment but she's just not getting it. She just sees it as she makes her contribution to mortgage and bills and didn't expect to have to pay more on top.  It's extremely frustrating for me but I have to stay calm and not argue with her (which is very, very difficult for me when it comes to saving money).  I used the example of bf not getting his better deal and even threw in that he doesn't overpay (true).  I also used the example that my sister does overpay now (even though sis doesn't understand why - I just told her it is a good thing to do and she trusts me).  Nothing is changing her mind.  What I need now is for someone else to suggest it.  Someone in her peer group.  Based on previous experience, this tends to happen further down the line.  She says that someone has told her something which is a no brainer so she is going to do it too.  It's things that I have told her months before but, of course, Mum is just full of hot air.  Honestly, it would be easier to talk bf into it and that's no mean feat.

In the meantime, I am going to keep OPing/PADing as much as I can to my buy out fund.  I'll be back later with today's amount.

savingholmes

I love the months thing as I know I am a month ahead already which makes me happy. 

I think with your DD I would stop fretting. You can get better interest rates on savings probably anyway. It also puts you in the stronger position to buy her out one day. That way you don't have to move and you save moving costs.

It's also a great EF and no-one knows what is around the corner 

girlatplay

Wise words as always, SH.  My savings interest is not quite as much as my mortgage but it's not bad and the best I can do for now.  It is most likely that I will need to buy her out so I just have to stick with the plan as it is.

With that in mind, I decided to PAD the amount that I would have OP'd today; just short of £23.  As it's me, I PADed the full £23 and that took me to £282.19.  It's so close to £300 that I just went for it and paid over a further £18.

Today's OP/PAD = £41

(I do realise that 19p is still hanging around)

savingholmes

Well done on the OP that's fantastic. On the home straight now for the weekend 

girlatplay

Thanks SH.


I got a TGTG bag from Mr M's tonight.  I've never had one as good as my first ever one (if anyone remembers that).  Tonight's one was not great and actually, I'm thinking of just deleting the app as I'm having to bin more than it's worth.  Tonight I had a three pack of courgettes of which half was mush and smelt bad.  I sent a complaint off to them.  I don't expect reimbursement or anything, I've just asked that they ask their staff to check that the food is actually edible before they put it in the bag.  I wouldn't have fed that to the birds.

PAD today = £1

savingholmes

Hi GAP I was disappointed with mine from Mr M too. The best time to go to supermarkets is around 6pm when you can often get stuff for 10p. I use the app more for carvery and similar and have mostly had good experiences.

girlatplay

savingholmes said:

Hi GAP I was disappointed with mine from Mr M too. The best time to go to supermarkets is around 6pm when you can often get stuff for 10p. I use the app more for carvery and similar and have mostly had good experiences.

I haven't tried the carvery yet although it has been on my to-try list.  Might give that a shot and see how it is.  I know our local one does a roast one, a veggie one and, I think, a trimmings one.  Do you know what is in each?  I just don't want to be disappointed.

Yesterday's and today's PADs = £2 in total.

girlatplay

I worked out that I have been actively and consciously doing Tilly Tidies of anything under £1 for two years now. I have just over £80 in my TT account which means I'm TTing around £40 per year.  It's not £millions but it would just disappear otherwise.

I had £5 ready to PAD today which left me £2 away from the next £10 so, of course, I pushed it and now today's OP = £7