GAP and LMG, can we become mortgage free?

girlatplay

Thank you EH and thanks for joining me here too.

What a spectacular idea!  I'll need to put that to LMG.  Not sure what she will think of it and I'm not sure how well she'll understand it, or actually, if I will be able to explain it in a way she will understand. I reckon I could transfer each time I reach £1,000.  I know it will take me a while between payments but it's a nice round figure and our deposits are in £000's so will make it easier to count.  I'll try to catch her when she's relaxed and not stressing about one thing or another.  She doesn't always get things right away and tends to switch off if she loses track of the conversation but then months later someone else will suggest whatever it was I was saying, she'll think it's a great idea and then tell me that she's doing whatever it was because someone somewhere told her about it.  I do think it's a lot to do with my delivery of subject matter rather than her understanding.  I get a bit excited about something and bombard her with the info.  I'll think carefully about what to say.  Thank you for that brilliant suggestion.


I've got a work meeting from 10.30am - 4.30pm tomorrow.  It's a team building thing and lunch is provided (free food, yay!)  I need breakfast before I go and I'll have to pay a bus fare one way.

Tomorrow night bf and I are having a date night.  We've not done that since before the first lockdown so I'm really looking forward to it.  We're going to the cinema and for something to eat.  I'm sort of hoping he'll pay as I paid for the weekend away two weeks ago and the slush fund is looking really low for mid-month.  I suspect he will as he mentioned something about me not paying for stuff for a while but I can't just assume.  He will pick me up from the work thing and will drop me home later so no further transport costs tomorrow.

Surveys are slow but ticking over.  I am waiting for some approvals and hopefully I'll get a pay out by the end of the weekend, if not before.

Today's OP = £1

beanielou

Have a lovely date night 

savingholmes

Enjoy your date night. Steady progress with the OPs.

girlatplay

Thank you Beanie and SH.  We had a lovely evening.  Had some food then cinema for TG2.  First time we've seen it and we've been looking forward to it for a long time.  He paid for meal and cinema and I paid for coffee.

I was going to wear a top today that I've only had on once before.  When I put it on I noticed there was an odd crease in the sleeve.  I had plenty of time so decided to iron it out before I left the house.  I didn't check the iron and it turned out it was too hot.  Just as I got the crease out it caught a bit further down the sleeve and burned a hole in it.  I was really disappointed and searched for ways to fix it.  Now I'm actually wondering if that's a good idea.  It burned through so quickly that I'm worried if it was to catch on a candle or something it would just go up in flames.  It wasn't expensive, just cheap off a low cost website so I'm thinking I got a lucky escape and I might just cut my losses.

On a brighter note, today's OP = £6

savingholmes

Well done on the OP. Sorry about the top. It's disappointing when things like that happen - but it does sound very flammable. Cutting your losses sounds wise. 

girlatplay

Thanks SH.  I'm going to cut my losses.

I had £6 stored in my wallet on the flammable clothes website which was left over from a return of something that didn't fit.  I requested a return of funds as I don't think I'll be buying anything else from there.  I have put the £6 towards my OP today.

Added another £1 to round up the OP pot to £170.

Today's OP = £7

girlatplay

I've got my wee niece staying over tonight.  She's a wee gab!  Mummy wants her in bed early but how can I get her to sleep when she won't stop talking?  She's sleeping now but it took a while.  I don't remember how I got LMG to sleep when she was that age (6) but she was always in bed early.

Tomorrow we are going to do some gardening.  She seems to love helping me.  I bought her a wee trowel, fork and soil rake, and I bought some seeds.  We'll head out in the morning and pick up whatever bedding plants are left at the shops and then we'll spend most of the day doing that.  She's really looking forward to it.  LMG has no interest in the garden other than sitting in it and I wish I had been able to encourage her at a young age.  Oh well, I get to do pretty much what I want.

Today's OP = £1

girlatplay

We bought a few plants this morning but wee one fell out with me when I wouldn't buy her a pack of seeds for her own garden and then got bored half way through planting in my garden.  I finished it off myself and I'm quite chuffed with the results.

I have spent a ridiculous amount of money in August.  We're not even half way through yet and I've got about £20 left for spends.  I have to stop now as there are still a few big things to be bought for the house (wardrobes for both bedrooms, mattress for me and curtains for both bedrooms and the livingroom).  I have a separate fund put away for them but I've dipped it a couple of times for house related stuff which is fine but not completely necessary.

Sofa arrives tomorrow afternoon so that's something exciting.

I was thinking earlier about the different accounts that I have and I remembered I still have the repayment vehicle for the last mortgage.  It's a standalone account (S&S ISA) and I'm still paying into it every month.  That means I've got a bit more of a head start on the OP fund than I said.  I've not really talked about that account much, I let it tick along and check it now and then.  I'm not going to add it to my signature and I'm not going to count the monthly payments in my OPs, I'm just going to keep going as I am with it.  I might add the OPs to it when they reach a certain amount (like what EH said about sending it to the mortgage; I'm just not sure how well that will go down with LMG, especially if she hopes to buy me out one day instead of the other way around).

Today's OP = £1 

girlatplay

Two of the hanging baskets

savingholmes

It's natural to spend £ when you first get a new home. 

Your hanging baskets are lovely and I hope they bring you real joy.

The other S&S Isa sounds good if it gives you a head start to buying out LMG

At the end of the day - having the fund ready to buy the other person out - will mean you are in position to thrive whichever buys the other out first. Well done on the OPs so far.