I wanna be mortgage free!

twinklie

ajmoney wrote: »

We have always said we would wait till next summer as OH has just started NQT year (today) and so until we know he has got a job next year we are going wait (sensible MSE heads).

I know how that feels as well, we'd like a bigger place but aside from waiting for OH to figure out what he's doing job wise, we also need to know if it's likely we'll leave the country soon or not.

Is your OH in a private school then? I don't go back till the 7th!

twinklie

General
[*]Finish sorting through my cupboards in the bedroom and dig out anything else that is for the charity shop.
[*]Clean the office
[*]List things on ebay...just waiting for a free listings day.
[*]File all bits and pieces.
[*]Take tv stand to b & sil's house. Need to press them for an answer or it's going on freecycle.
[*]Take old toilet to the tip.
[*][STRIKE]Write and[/STRIKE] post cheque to friend to pay for her hen doo.
[*][STRIKE]Check bank to see if I've done DD mandate for B&Q.[/STRIKE]
[*]Look through terms and conditions of MPPI cover and see if it still fits our needs.

School
[*]Write jungle SOW
[*]Write up pro forma for SOW
[*]Make up resources for SOW lessons
[*]Design project and make resources for it.

UNI
[*]Do portfolio
[*]Print of assignments ready to hand in
[*]Find out how to submit assignment.

DIY
[*][STRIKE]Retile. Behind the toilet is tilled...just where the bath is going to go to do.[/STRIKE]
[*]Install new bath
[*]Have a bath to celebrate!!


Don't think I'll get this most of this done this week mainly because I'm going to be out most of Thursday due to all the mystery shops I've got booked. :T

ajmoney

twinklie wrote: »

Is your OH in a private school then? I don't go back till the 7th!

No, we live in Scotland and holidays are different, they start at the beginning of July.

twinklie

Ahhhh right. DOH! Didn't notice that and its written right next to your post! Ha ha ha

ajmoney

Your mortgage and debt are almost the same as my mortgage (£48,622.46) shame I can't overpay more cos it would be easier to keep me going :j will have to see what we can do when the first teaching pay cheque comes in on the 27th

twinklie

Is the pay scale the same for teachers in scotland as it is for us in England? We couldn't OP at all during my NQT year because of all the work we were getting done on the house. But we've got £120 being chucked at it each month starting sept.

What do you do aj? What does he teach?

ajmoney

I am a musician in the Royal Marines so I have a pretty good wage and great job security. OH is teaching music at secondary level think the wage is £20,000ish a year but he used to be in the same job as me and so he has a pension from that too which he has lived on for the last year. Don't know if that wage is the same as England or not.

twinklie

Yeah it's pretty similar!! You should be ok then providing that you don't have any massive outgoings. I have been on NQT wage for the last year and OH has been earning about 18K - he was finishing off his degree so was working part time. And if we hadn't been saving up to do the house and pay for the car we would have OP'd this year!

Either way it's nice just to feel in control of your finances knowing what your are going to do when you get the chance!

ajmoney

I have been clued up money wise for about ten years but reading posts on here over the last week has taught me quite a lot. I budget in the loosest term possible, but have already looked at other ways to save money day to day. Even if I don't overpay more than my monthly £100 my finances will still be in better shape for it. A big thanks to everyone whose posts I have read that have helped me towards this :beer:

Tesco_points_addict

twinklie wrote: »

Right, I have decided that one way or another when this shed is built I'm going to try and grow my own veg. Even if it's just salad bits, it all adds up! I know I can grow basil on my kitchen window sill so thats something at least...I will just need a bigger pot for it next time...we accidently ate our way through the other one and it couldn't keep up!

I might have to save up and do it in dribs and drabs (mainly due to OH's moaning)...but I think we'd defo eat more veg (and it saves money). Just a waiting game now.

Aw at this rate we could rename this board as the Veggy board! I love pottering with my veg! Even if my toms died a long slow painful death:mad:

Your bathroom sounds like its been a nightmare.

Love the bit about your other half sulking about his bike bits, typical bloke!

TPAx