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In the nick of time

edited 5 April at 10:03AM in Mortgage-Free Wannabe
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  • MoneyfordreamsMoneyfordreams Forumite
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    Ahhh , the lists stretch over 2 years really :o however I am super pleased to have planned this year. And fairly positive for the future :D

    I have my big birthday next March and need to save for that too. I've refined plans a little... instead of two centre Dubai and Sri Lanka, maybe 10 days in Mexico or Caribbean. We did decide to withdraw some supermarket shares when they mature next year to pay for next years renovations. Thankfully we live simply day to day.
    Mortgage restart June 2018 £119950
    Re mortgage August 19 £110470, HSBC £1500cc, Hfx £0, NW £1750 M&S £850, MBNA £9050
    … Mortgage £104900
    plus car £6000 :eek: , it's coming down :D
  • brizzlegirlbrizzlegirl Forumite
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    Wow..either of those sounds great. Think we are similar ages :) we are also thinking of a long and memorable trip. However in our case as we are much further behind the curve than you on our debt busting/building up the funds so we may be staying in Europe and using the motorhome. But I am not complaining :D

    Hope your shifts this week are good x
    DFFW - pay it ALL off in 2020- on track for October!
    MFW..aim for Dec 2023
    2020 Savings Rate - Goal 40%38% April - best in 2019 66% November
    July Goals AFDs 01/25 Decluttering xx/60 LSDs 01/10 NSDs xx/05 July Exercise RT Xxk 01/25 12k steps per day pls
    Aiming to be a true Frugalista!
  • CathTCathT Forumite
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    Sounds like the house will be looking as you want it by the end of the year. Did you expect to do all this work or did you plan it all after being there for a bit? It will all be worth it.
    July 2020 - part 1 - £60,704 part 2 - £39,704
    Total - £100,408 88 months to go!
  • MoneyfordreamsMoneyfordreams Forumite
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    No Cath, I thought kitchen diner wall removal and bifolds, then bathroom and simple decorating. Unfortunately the house gave us "lemons" after our arrival, drains, increased cost.. time... I imagined 10>15K ... reality will be ~ £30k to make lemonade :D .

    A house down the road has just gone up for sale £30k more than we paid for ours.... hopefully we won't be losing money.

    Hafax offered me another money transfer. This time with 12 month 0%. decisions decisons. We would still need to pay back with the SM shares next year.. but means drains and bathroom this year too. :o
    I'm waiting until after payday to decide.

    just sneakily writing a post as at the end of a shift. one more to go tonight. I have got OT next week :D that'll keep the budget topped up
    Mortgage restart June 2018 £119950
    Re mortgage August 19 £110470, HSBC £1500cc, Hfx £0, NW £1750 M&S £850, MBNA £9050
    … Mortgage £104900
    plus car £6000 :eek: , it's coming down :D
  • MoneyfordreamsMoneyfordreams Forumite
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    off to the races today. I'm feeling mixed about spending money. The weather report says rain, I have some fabulous clothes I've not worn but are not suitable, I've bought a denim jacket to wear over the top of a long dress.. ( 20% off ;) ) but now I'm not feeling it. I wish I'd stumped up for the new dress.

    My hair needs colouring , but I can't be bothered. Me and OH had a little upset early in the week and I'm still smarting I suppose. He's all cheerful and has a short memory. I'm not being awkward just a bit quieter than normal.

    Just been brought breakfast in bed :o

    I'm counting money to ensure our patio can be built next , betting money today , £50 plus spends ( and yesterdays clothes will eat away at cash for paving stones, which means they will be next months cost too. Oh well It's only once a year.

    OH did chop down shrubs this week the garden looks so much bigger. He still needs to did out the roots though.
    Mortgage restart June 2018 £119950
    Re mortgage August 19 £110470, HSBC £1500cc, Hfx £0, NW £1750 M&S £850, MBNA £9050
    … Mortgage £104900
    plus car £6000 :eek: , it's coming down :D
  • TahlullahTahlullah Forumite
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    So much to do and so little time. Have fun on the journey.
    Still striving to be mortgage free before I get to a point I can't enjoy it.

    Owed at the end of -
    02/19 - £78,400. 04/19 - £85,000. 05/19 - £83,300. 06/19 - £78,900.
    07/19 - £77,500. 08/19 - £76,000.
  • MoneyfordreamsMoneyfordreams Forumite
    1.9K posts
    Fifth Anniversary 1,000 Posts
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    Thanks, we probably will...
    Mortgage restart June 2018 £119950
    Re mortgage August 19 £110470, HSBC £1500cc, Hfx £0, NW £1750 M&S £850, MBNA £9050
    … Mortgage £104900
    plus car £6000 :eek: , it's coming down :D
  • MoneyfordreamsMoneyfordreams Forumite
    1.9K posts
    Fifth Anniversary 1,000 Posts
    ✭✭✭
    Came home with £40 change from £100 :) I did have a couple of winners and a couple of runners up to take the pain away. OH was terrible and lost his fairly quickly. Then afterwards I decided to try a Thai takeaway I've not been in . I had no idea on the menu. staff were not helpful, but in the end to get rid of my wondering they said did I like coconut... yes.... so gave me a peanut and coconut chicken thing. I don't like peanuts in food... wasn't a good decision. apart from not to go there again. tipsy or sober.

    Restful day planned today. I did end up accepting the cash transfer. The shower rail fell off the wall yesterday coupled with some plaster falling from where OH to the bathroom toilet wall down, I'm convinced the house will fall down without the drains being fixed (tree root issue). Structural engineer said last year to do that as soon as possible. Money not in account until tomorrow , but showing as a balance on cc. Tomorrow we will get some quotes from drain people, and the rest will sort the bathroom. This means extra £100 a month to pay off CC until October then I'll be paying £1k a month to CC to catch up. Shares maturing next summer will now most definitely be used to pay off a cc.
    Mortgage restart June 2018 £119950
    Re mortgage August 19 £110470, HSBC £1500cc, Hfx £0, NW £1750 M&S £850, MBNA £9050
    … Mortgage £104900
    plus car £6000 :eek: , it's coming down :D
  • MoneyfordreamsMoneyfordreams Forumite
    1.9K posts
    Fifth Anniversary 1,000 Posts
    ✭✭✭
    Well Tallulah , we had some more fun on the journey :o had a surprize road trip to Windsor... We stayed overnight in Dachet ( £62 for petite double) .. walked in and out of Windsor.. and visited the castle. My new car did it on one tank from the north west <£40

    OH's wages are slightly better this month and my OT yesterday will cover the cost.
    This weekend the snagging to be complted front of house.
    Next weekend digging for patio foundations
    the following week the raised patio begins. Apparently the bricklayer goes on hols 14th June adn wants the job and cash before then :D

    Drain man comes to quote tomorrw pm. Fingers crossed for under £5k. ( structural engineer said last year £3.5k)
    Joiner not given us a quote yet. We had told him we wouldn't be ready until june. But we can do anytime now. Just as he gets busy :o

    When in Windsor I used an old bag I hadn't used in years. I shook the dust out before putting my clothing in. When unpacking I noticed an old necklace I had thought was stolen in 2010. Its a Gucci pendant 18ct gold 10g, shaped like a Yen, a circle with a hole in the middle with a corded necklace... I couldn't believe it. :D Shame I can't find my eternity ring and my dads ring my mum gave me.
    Mortgage restart June 2018 £119950
    Re mortgage August 19 £110470, HSBC £1500cc, Hfx £0, NW £1750 M&S £850, MBNA £9050
    … Mortgage £104900
    plus car £6000 :eek: , it's coming down :D
  • MoneyfordreamsMoneyfordreams Forumite
    1.9K posts
    Fifth Anniversary 1,000 Posts
    ✭✭✭
    forgot to add, yesterday was the first anniversary of being in our new home :D. We've had a few ups and downs. and will probably have a few more :o but all in all not bad.

    Financially I feel more secure even with a huge amount of debt. Mortgage reduced by £8.5k I will feel better after we have had the drains fixed. I have and undercurrent level of fear in case we have movement in the house. the outside is poker straight... I'm hoping the superficial cracks inside are just a bad plastering job as it appears so ...
    Mortgage restart June 2018 £119950
    Re mortgage August 19 £110470, HSBC £1500cc, Hfx £0, NW £1750 M&S £850, MBNA £9050
    … Mortgage £104900
    plus car £6000 :eek: , it's coming down :D
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