Single Mum: Freedom in Narnia

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  • jak
    jak Posts: 2,027 Forumite
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    Thanks Merlin's_Beard. I'm glad to get it out of the way! OOh I bet your curtains are lovely! 
    PS. No-where does a door curtain that's 95 inches long! May have to get the sewing kit out and buy material. On the plus side I expect that will be cheaper! Bit of a faf tho and it's ages since I made curtains. Oh well. Clearly they have to be perfect...
    JAK x
    2022 Comp total (prizes + free spins): £494.81 #20 £12 a day Jan: £382.95/£372 #57 360 1p challenge: £17.70 £10 a day Feb: £571.09/£280 March: £311.96/£310
  • jak
    jak Posts: 2,027 Forumite
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    Well I've finally made my first overpayment and it's a big one! £4,000! Eeek! 
    So total mortgage start was £100,000. Now - £95,999! I'm hoping to get it down to £95,000 by the end of the year so watch this space! 
    JAK
    x
    2022 Comp total (prizes + free spins): £494.81 #20 £12 a day Jan: £382.95/£372 #57 360 1p challenge: £17.70 £10 a day Feb: £571.09/£280 March: £311.96/£310
  • CasualMFW
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    jak said:
    Well I've finally made my first overpayment and it's a big one! £4,000! Eeek! 
    So total mortgage start was £100,000. Now - £95,999! I'm hoping to get it down to £95,000 by the end of the year so watch this space! 
    JAK
    x
    Excellent news. Well done you!!
    Solo Buyer & MFW
    Start date: January 2016
    At it's highest: -£237,000
    Current Balance:  -£73,754 (March '23)
    2021 OP total: £6,000
    2022 OP total: £10,535

  • jak
    jak Posts: 2,027 Forumite
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    Thanks. I'm very excited! 
    All is well on the home front. Creative boy goes skiing with school today. I finally managed to get all his gear and the plan is to sell it when he gets home. Blimey, ski stuff is so expensive! He knows this is a once in a lifetime opportunity and to make the most of every minute. 
    I'm having family round for a buffet tonight. My sister is in charge of food so that's good for the budget. Then we are going to a local Christmas fair. Should be fun!
    JAK
    x
    2022 Comp total (prizes + free spins): £494.81 #20 £12 a day Jan: £382.95/£372 #57 360 1p challenge: £17.70 £10 a day Feb: £571.09/£280 March: £311.96/£310
  • jak
    jak Posts: 2,027 Forumite
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    It's now finally time to paint the new plaster on the walls! It's very exciting. It looks better already. The only slight problem is that only one room is actually white. All the rest are slightly off white so I'm trying to match the colour so I don't have to paint the entire rooms. There are 4 in total! Argh! Off to B n q tmr to see what I can find. 
    The dining room is actually white so I'm trying to get that done today if possible. 
    In money news, SSE owed me £101 rebate. I've finally managed to get them and it turns out it's £175.06 but they didn't action it! Cheeky sods! It should be actioned now and will take up to 10 working days. I'm going to use it for decorating costs I think. 
    JAK x
    2022 Comp total (prizes + free spins): £494.81 #20 £12 a day Jan: £382.95/£372 #57 360 1p challenge: £17.70 £10 a day Feb: £571.09/£280 March: £311.96/£310
  • jak
    jak Posts: 2,027 Forumite
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    Woo hoo. Got the rebate at last. Bought some colour match paint! My walls look lovely. Unfortunately I've hurt my wrist/hand so have a splint now. Makes stuff hard to do, including typing so will be back after xmas!
    Have a lovely Christmas everyone!
    JAK
    X

    2022 Comp total (prizes + free spins): £494.81 #20 £12 a day Jan: £382.95/£372 #57 360 1p challenge: £17.70 £10 a day Feb: £571.09/£280 March: £311.96/£310
  • Merlin's_Beard
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    Have a lovely Christmas - so nice to see things coming together for you!
    Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
    Current mortgage amount: £233.529.75
    Start student loan 2012: £29,750; current student loan: £11.400.50; OP offset fund: £750
  • VintageHistorian
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    Merry Christmas Jak! Hope your wrist heals soon!
    "You won't bloom until you're planted" - Graffiti spotted in Newcastle.

    Always try to be nice, but never fail to be kind - Doctor Who

    Total overpayments in 2021 - £901.28!
  • LadyWithAPlan
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    jak said:
    Well I've finally made my first overpayment and it's a big one! £4,000! Eeek! 
    So total mortgage start was £100,000. Now - £95,999! I'm hoping to get it down to £95,000 by the end of the year so watch this space! 
    JAK
    x
    Wow thats great! Lovely to hear about your NARNIA. I am deposit saving still - so one day .. or year.. I will be following in your footsteps. I am doing a lot of diy classes though as I want to be prepared to be able to deal with all the house stuff from plumbing to electrics.. I even had a class on brick laying - my first attempt was a bit leaning tower of Pisa but it was fun ;) Maybe worth having a look at what classes are available for you?
    There will always be a (beautiful stilettoed) foot in fabulous in LaPlan's life.
    I am choosing to be fabulously frugal to support some wonderful life changing and affirming financial goals including buying a London home I love.

    DON'T BUY STUFF (from Frugalwoods)
    No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things. You can’t really hack your way to frugal. You can and should take advantage of discounts, coupons, rewards points, and the like. But at the end of the day, the only way to truly save money is to not buy stuff.    Money doesn’t walk out of your wallet on its own accord.

    My March  streaks to track
    Track Minimalist game  items (Nov 310)   (Dec  95)  (Jan 90)   Feb 50
    Exercise streak  
    YNAB days:: Target 50 days -Age of money 29
    Track my NSD's - Target 13 days/ 0/13

    https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest
  • jak
    jak Posts: 2,027 Forumite
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    Thanks everyone. Christmas was lovely but I'm so happy to be home! Next Christmas I'm going to host! I just need to get some actual dining chairs beforehand... Will be looking at the tip for those. 
    My wrist is a bit better now thank goodness so I can actually type again. Wooo! 
    @LadyWithAPlan I'm looking for DIY classes. I def could do with some. With regards to you buying, I think preparing is the main thing. Saving, a lot, can only put you in a stronger position. I was looking for 2 years and had 2 places fall through. At the time I was gutted, but now I can see the bigger picture and Narnia is far nicer than anything else I saw or offered on! 
    I've got my Grandma, Dad and step Mum coming for lunch tomorrow. I'm so excited to show off my house! 
    Creative boy and I are off to the panto later. My sister won free tickets! Yay! Should be fun. I'm planning on taking snacks. 
    Over Christmas I spoke to my Dad about his house warming gift. I didn't ask him before as he had a lot of financial commitments, but now they are all sorted! I've ordered a new hoover and a LOG STORE!!! I'm so excited! Mainly about the log store. I've wanted one for so long. I just need to find a reasonable place to bulk buy wood now. Not as easy as I'd hoped TBH. It's all very expensive. Mind you, once I've got it sorted it'll be a big expense out of the way. And I'll have somewhere to put it!
    As far as overpayments go, I'm putting money into my Barclays rainy day fund as it's 5.12% so once I go close to the limit (5,000) I'll make another payment to the mortgage. So far I've got £2612 put by! Some of that will have to go on wood for the fire tho.
    I hope everyone had a lovely Christmas and has a very happy new year!
    JAK

       
    2022 Comp total (prizes + free spins): £494.81 #20 £12 a day Jan: £382.95/£372 #57 360 1p challenge: £17.70 £10 a day Feb: £571.09/£280 March: £311.96/£310
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