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CrazyBee wants to be Mortgage Free!

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Comments

  • CrazyBee787
    CrazyBee787 Posts: 1,213 Forumite
    1,000 Posts Name Dropper Photogenic
    edited 16 October at 7:11PM
    Today I am staying at on 8/12 no spend days, however it was worth it! I seemed to have coaxed my lodger the chef to make dinner tonight, so I bought dessert. It was fabuolous! We enjoyed it to and I washed up. £102.56 left and £72 for groceries. We are 51% of the way through the month and there are 15 days left which will soon fly past. I also had a little incident today, the fire brigade came out and opened my door, the latch was locking me & lodger in with no way out. I am planning to buy a new door now! So that will be a big spend! I am wishing everyone a good evening XX
    Missions for the rest of the year:-

    1) Build up an emergency fund (EF) 
    2) Improve spending habits.
    3) Create a budget that is compatible to me.
    4) Buy healthier snacks to avoid junk food splurges.
  • Jessy103
    Jessy103 Posts: 2,402 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Photogenic
    You more than likely don't need a whole new door bee, unless the fire crew destroyed it! if it's a latch on the metal strip that goes down the locking side of the door that strip can be replaced and is called a door espagnolette. If its the latch that's level with where you put the key in then you might just be able replace the key cylinder (I work at a door and window company and not just obsessed with door parts 🤣)
    Mortgage Balance as of September 2025 £11,700
    Starting Mortgage Balance (June 2019) £72,000.
    Aiming to be mortgage free by my 40th birthday, June 2026!
  • CrazyBee787
    CrazyBee787 Posts: 1,213 Forumite
    1,000 Posts Name Dropper Photogenic
    Jessy103 said:
    You more than likely don't need a whole new door bee, unless the fire crew destroyed it! if it's a latch on the metal strip that goes down the locking side of the door that strip can be replaced and is called a door espagnolette. If its the latch that's level with where you put the key in then you might just be able replace the key cylinder (I work at a door and window company and not just obsessed with door parts 🤣)
    Hi Jessy thanks for popping by, I don't need a door but I would feel better having one, as I have been told it is not a fire safety door, and it is looking very worn. I have been hoping the management company would replace them after chceking if they are fire doors, but now they say it is my responsibility, so I have been waiting for nothing, and rather replace the door and get a new lock that way then switch the lock and then get a new door down the line and pay for that as well. I have the money I feel quite strongly like it would be a good idea while I have cash. I think this is my forever home so why not! It would be nice to feel better about the door as well as getting a better lock, but I will check the prices first. I have messaged managemene company to see if there are any rules about what my door should look like, etc. Before getting some quotes in.
    Missions for the rest of the year:-

    1) Build up an emergency fund (EF) 
    2) Improve spending habits.
    3) Create a budget that is compatible to me.
    4) Buy healthier snacks to avoid junk food splurges.
  • Jessy103
    Jessy103 Posts: 2,402 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Photogenic
    Ah that's fair enough! Hope you can get what you want and the management company are reasonable 🙂
    Mortgage Balance as of September 2025 £11,700
    Starting Mortgage Balance (June 2019) £72,000.
    Aiming to be mortgage free by my 40th birthday, June 2026!
  • CrazyBee787
    CrazyBee787 Posts: 1,213 Forumite
    1,000 Posts Name Dropper Photogenic
    Jessy103 said:
    Ah that's fair enough! Hope you can get what you want and the management company are reasonable 🙂
    Thanks Jessy, however MD has talked me out of getting a new door as they do. so I arranged for the locksmith to come, he will be visitng next week while I WFH. £135 or thereabouts a bit cheaper than a door by far! like you said. I had wanted the door, but I now have another area that I need to spend money on, the toilet, nothing wrong with the toilet but I have been through about 4 toilet seats in the last year none are any good, they are all cheap craX !! well actually I haven't spent more then £60.00 maybe that is the problem actually I think I will look for a premium toilet seat before I buy a toilet, that is probably where I am going wrong! I was going to buy a commerical toilet maybe I just need to spend more on the toilet seat, I won't give up on the toilet seat just yet, I'll get a premium one! I will look next, that will save a bit and be less hassle.

    Today has been strange I am no longer keeping a track of the spending money I assigned myself as I keep going over, I have set myself a limit and I am trying to avoid spending where I can but I am also aware that I need to live, I think I will spend less next month because I won't be buying Xmas pressies, I will keep track I don't need to spend so much really and once I get a the right sort of snacks in my shop I may not need so many trips to MandS, but I will keep a note of everything I do, add up the total etc. for budget setting.

    It is strange day...I woke up at 5am and showered, brekkie and then went to MDs to set up WFH so that the car could be MOT'd and serviced. We had a bumper day at work with receipts coming in and I started having a lack of work again, anyhow the man called about the car and he said he needs a part which isn't too expensive and will solve the problem we have been having, honestly it will be a miracle part if it does what he says it will do. He bought the car back home early and I suggested I take a half day so that we could go to the bumper furniture sale that started that morning. I got the half day we made our way, I did see a sofa set I liked and was comfy but at £999.00 each I thought no thanks. I did buy a small mirror for £15 and MD didn't see anything. I offered to take MD to get groceries, I got me and the lodger advent calendars, they were really unusual choc lollies numbered 1-25, plus a few other bits. 





    Then I took MD back booked the locksmith, and waited as the cleaner said she didn't mind dropping me off home, as MD is going to hair appointment tomorrow and needed the car. I got home and decided to check the final figures for work (I am a credit controller) and Friday is a bumper day, I have to say it was rather good, not a record breaker but close (I have had a record breaker in the short time that I have worked there!) But I also had a message in my work mailbox, I had received a Kudos message. I logged in and there was a lovely message that I had taken on board everything and that I was a delight to work with, what a lovely things to receive, huh!

    It is supposed to be a cleaning day today I think I will do the bedding but that is it tonight, I'll save the rest for tomorrow now I have the rest of the weekend anyhow! Have a good weekend allXX
    Missions for the rest of the year:-

    1) Build up an emergency fund (EF) 
    2) Improve spending habits.
    3) Create a budget that is compatible to me.
    4) Buy healthier snacks to avoid junk food splurges.
  • beanielou
    beanielou Posts: 96,643 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Great to get a nice wee message from work.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • CrazyBee787
    CrazyBee787 Posts: 1,213 Forumite
    1,000 Posts Name Dropper Photogenic
    beanielou said:
    Great to get a nice wee message from work.
    Yes it was lovely to receive I sent one back and it just made my day, she had put a lot of effort into the quality of the mssage, I am sending myself a copy when I go into work, I will write the whole thing on the thread Monday.
    Thanks BeanieXX
    Missions for the rest of the year:-

    1) Build up an emergency fund (EF) 
    2) Improve spending habits.
    3) Create a budget that is compatible to me.
    4) Buy healthier snacks to avoid junk food splurges.
  • CrazyBee787
    CrazyBee787 Posts: 1,213 Forumite
    1,000 Posts Name Dropper Photogenic
    I just spent the last hour or so preparing a post and then I decided I would delete it, I will wait until the end of the month before I determine what I have spent money on and what I actually plan on saving with money that I will actually have! It is the new me, trying to change my ways, I am good with the math, just poor at the actual not spending. It is all up in the air however I can tell you I have spent just under £850 in 22 days which is quite a chunk in a short space of time a lot of this is on snacks and gifts. Anyhow before I look at what I have done lets get the month finished first!

    £850 / £600 13 days left to go until then end of the month, two big spends yet to occur (lock repair & Toilet seat install & mirror hanging). 8 no spend days not including today, I should be able to add to that today with any luck & determination. There are things I want to do but I seem to just be having a lazy day today, I should hoover the floor, clean the bathroom and make a cake but I feel lazy and want to relax! Enjoy the dayXX
    Missions for the rest of the year:-

    1) Build up an emergency fund (EF) 
    2) Improve spending habits.
    3) Create a budget that is compatible to me.
    4) Buy healthier snacks to avoid junk food splurges.
  • CrazyBee787
    CrazyBee787 Posts: 1,213 Forumite
    1,000 Posts Name Dropper Photogenic
    You have to see this...it had me in stitches!

    https://www.facebook.com/reel/1095460199417035
    Missions for the rest of the year:-

    1) Build up an emergency fund (EF) 
    2) Improve spending habits.
    3) Create a budget that is compatible to me.
    4) Buy healthier snacks to avoid junk food splurges.
  • CrazyBee787
    CrazyBee787 Posts: 1,213 Forumite
    1,000 Posts Name Dropper Photogenic
    edited 19 October at 7:51PM
    £839.27/£600, today I am at 9/12 No spend days not including today. I feel a bit more energised today so I may get the housework done plus make a cake, I promised I would give a slice of cake to my team leader when I next make a cake, it would be good to make that too. First though I must get a taxi and pick up the vehicle, I'll probably spend a bit of time with MD as well...Just been Taxi said would I like to go earlier I said yes, so I have been MD was sleepy and not much company, so I decided to leave and come back and do the housework.

    So a trusty list: -

    1) Grease and line cake tin

    2) clean table

    3) prepare for hoovering and empty bins.

    4) hoover

    5) clean bathroom

    6) Mop

    7) Make cake

    8) Have lunch

    9) Eat cake!!

    10) Cross stitch for an hour

    11) read for 30 mins

    12) seperate and put sausages in freezer, leave some for tonight.

    13) Watch a film

    14) Meal plan and do a shop.

    15) load the car with work stuff.

    16) Do Christmas cards.

    17) prepare letter for bank.

    18) get winter clothes down and see what I still want and put in new space under bed.

    19) prepare clothes for charity shop.

    20) sort cupboard in bedroom.

    21) Empty washing machine and fold linen

    22) Put wash on.

    23) Prepare lunch for the next two office days.

    This is sort of a wish list for today, I don't expect to get it all done, but there are plenty of things to do, I'll get on with it! Have a good day allXX
    Missions for the rest of the year:-

    1) Build up an emergency fund (EF) 
    2) Improve spending habits.
    3) Create a budget that is compatible to me.
    4) Buy healthier snacks to avoid junk food splurges.
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