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CrazyBee wants to be Mortgage Free!

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Comments

  • CrazyBee787
    CrazyBee787 Posts: 1,180 Forumite
    1,000 Posts Name Dropper Photogenic
    I spoke to soon about having energy, I thought it was the time not working having a trick on me, turns out I am very tired, I had an early night and did what you should to wake up feeling absolutely knackered! I will find today very difficult at least I am at home, in the comfort of my own homeXX
    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: 1,180 Forumite
    1,000 Posts Name Dropper Photogenic
    I had more energy later and did a cracking day where I cleared off all my to dos and team leader let me leave early 20 mins better then a kick in the teeth! So all in all it feels very productive and enjoyable. I just had to get over that tired feeling in the morning, which I did and it turned out to be a good day.

    7/19 no spends so doing well on that front...happy place!

    I have eaten quite a bit of junk today, I don't think I am going to make any more flap jack it is too sickly and sweet and I have had enough and I have loads left, so I will try and think of something that is diabetes and diet friendly! Low fat sausage maybe!? Maybe make my own? oohh!

    Lodger coming tomorrow, I have calculated the amount to receive for this month it is £395 which will help me at the end of the month. I have a few pots of money coming in benefits still and rent money plus the bank I switched with £180, I am strongly thinking now that I will pay MD & SFD back it works out actually to just over £2K, but I can pay it completely off if all goes to plan, I shouldn't have to pay tax this month, so I should get a boost there too. I look forward to the month end figures!

    Otherwise I am looking forward to seeing how this lodger works out, he seems quite a sweety!

    All the best for your evenings, CrazyXX
    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: 96,513 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Do you not have the lodger pay the first month when they move in? 
    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: 1,180 Forumite
    1,000 Posts Name Dropper Photogenic
    beanielou said:
    Do you not have the lodger pay the first month when they move in? 
    Hi Beanie, No I prefer it always to come on the first, that way when the end of the month comes and all the money is needed for bills I will have the £625 ready for then and a brand new £625 coming the day after. That way when I get my wages I will have for this month £395 at the end of the month which will be mine, you see I don't call it mine until the period is clear. I hope that makes sense, even with a one month notice period, this way I know where I am am.I know it is a bit strange and not many people do it, but I prefer it. 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.
  • beanielou
    beanielou Posts: 96,513 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Just what suits you. I get just on half of what you do but I guess you live in or near to a city. 
    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: 1,180 Forumite
    1,000 Posts Name Dropper Photogenic
    beanielou said:
    Just what suits you. I get just on half of what you do but I guess you live in or near to a city. 
    I do live down South/ Midlands, where the markets are steep - which is great because I bought my flat at a discounted price, so I am seeing quite a return, let me calculate I get to live here too ( albeit smaller room) plus I make 7% return on investment, That is quite good I don't need to say. Mine was the cheapest room on spare room also, however the more expensive properties were for houses and not flats. 
    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: 1,180 Forumite
    1,000 Posts Name Dropper Photogenic
    Lodger is here! He seems very sweet and nice and more importantly he has paid!
    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: 1,180 Forumite
    1,000 Posts Name Dropper Photogenic
    As I was saying he has already offered to make fresh pasta and tirimisu on his day off, wowser, and he washed up tonight after I cooked the dinner, brownie points, yes! And we had a little natter. Plus he isn't celebrating Christmas because he is working, however I snuck in there and we agreed to have his work day off as Christmas day and celebrate then. So far so good! So I may get two Christmases!! And why the hell not!!
    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: 1,180 Forumite
    1,000 Posts Name Dropper Photogenic
    edited 12 September at 7:11AM
    I have paid off some money from the credit card as I believe I can afford this the new balance now stands at £1800.00.

    I have added a No Spend day total 8/19 up to yesterday, I am not sure about today?

    Also check out this snip: -



    If I pay back MD & SFD this month I am still likely to have some left over lolly! My other credit card is £-145 which will help with the rest of this months expenses such as groceries and fuel.

    Also wages are very likely to be more because I won't need to pay tax straight away.

    However lets see what a normal month looks like:-



    I have to tell you it has been a long time since I had £1K left over money in fact I don't think it has happened before, this will be the first time! It looks like it will take a couple of months to pay off the Credit card, it will certainly help if I get £2K wages for the first two months actually as I should so lets see what that does for Octobers lolly!?: -



    If the wages are a bit more and the spend a bit less, I could be on target to reach paying off credit card by EOM October. I am that close, that gives me more motivation to stick within my budget for this month which is : -



    My shop is a bit over for the 20th something like £70! So I need to try and get that down a bit, I was going to make a beef stew but i'll save that for another month now and try and stck within target!

    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.
  • MFWannabe
    MFWannabe Posts: 2,480 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    You’re sounding so much more positive in your posts 
    Hope the job is going well 
    Stay focused, maybe have a savings target for when you are debt free? Do you have an isa/ easy access savings account? 
    Where you can log in and see interest accumulating every day? It’s very good motivation 
    MFW 2025 #50: £1989.73/£6000

    12/08/25: Mortgage: £62,500.00
    12/06/25: Mortgage: £65,000.00
    07/03/25: Mortgage: £67,000.00
    18/01/25: Mortgage: £68,500.14
    27/12/24: Mortgage: £69,278.38 

    27/12/24: Debt: £0 🥳😁
    27/12/24: Savings: £12,000

    12/08/25: Savings: £12,000



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