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Taking it slowly, but doing it well.

edited 30 November -1 at 1:00AM in Mortgage-Free Wannabe
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  • wishingthemortgaheawaywishingthemortgaheaway Forumite
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    Busy_Mee1 wrote: »
    Bless you Wishing, for some people running amok financially means expensive nights out or buying Mulberry handbags _pale_ not buying office chairs, new pillows and books :rotfl: You are suffering too much MSers guilt, but we all do it :D

    I love reading too and try and download the bargain books from [email protected] when there are some decent ones. I use my Kindle for travel, but love a proper book too. One of the real pleasures in life is reading a good book and then passing it onto someone else.

    Thanks Busymee, you are correct, but the guilt is real - i don't like the grey 0 boxes on Ynab, I don't like seeing the rate of my net worth graph decline. Roll on pay day and then the 1st July to see all those green bubbles back again.

    I do like a good real book, but often (back in the day) found myself carting 2 (Or more) books around in case I finished one before my journey ended. That would never do. I remember having a 3in1 copy of the lord of the rings and being 95% of the way through the last book before a 4 hour plus train journey. Oh the agony of what to do. In the end I opted to start a new book for the journey. It was tough, I cannot read books concurrently, I'm a 'one book at a time girl' I'm also a binge reader of books too, so, if I find a book series I like, I binge read them. The latest binge has been the DI Nick Dixon who dun it's? I can really picture the places the books are set - although it's making the bridgewater area a bit like midsommer to me! I did read the first of the Peter James books set in the Brighton area, but found them too grusome.
    As a teenager/young adult I used to complete every book I started. Even if I wasn't enjoying it, or didn't think t was very good. Then I started to read 'those lovely bones' not my book at all, I basically stopped reading for nearly 6 months because every time I looked at the book I thought 'I cant' one night it dawned on me, why am I torturing myself? Where has my passion for reading gone? It was the first of a long line of books I've started and not finished, and that's ok.

    Happy reading folks.

    Wish.
    Outstanding mortgage: £23,181 (December 19)
    MFW 2020 Challenge Member #10 0/£2318
  • wishingthemortgaheawaywishingthemortgaheaway Forumite
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    Evening all,
    A long overdue nsd today and some excellent news from the Childminder.
    We don't need to pay a term time top up so, 38 weeks of 'free' childcare coming our way.

    However: there is an opportunity for Pickle to attend a specialist provision (specialist as in the activities they offer) for 1 day a week which will work out at £150 a month. And I want him to start swimming lessons too - so that's £35 a month. Even with these new payments we should make a net saving of about £90 a month. Better than a kick in the teeth...

    Onwards and upwards and nearly payday...

    Wish.
    Outstanding mortgage: £23,181 (December 19)
    MFW 2020 Challenge Member #10 0/£2318
  • zcrat41zcrat41 Forumite
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    That's good news re childminder.

    Avid reader here too. Have just discovered Sharon penman!
  • wishingthemortgaheawaywishingthemortgaheaway Forumite
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    Oooh zcrat, I'll look into her. It is indeed excellent childcare news. (I have encouraged her to put her prices up, nobody else in the world's fees are less than the government funding.....)

    Payday so I've covered the overspending from this month and done my mortgage overpayment. £283. And a few pence. This takes me to a nice, round, comforting £26k outstanding. I will be in the £25ks on Monday. I would love to smash it down to the teens, but this is unrealistic for a couple
    Of reasons. We're just about managing a £500 a month reduction at the moment, I can't see where I can squeeze another £2k from with out my overtime or supply teaching rocketing (both unlikely as we enter the summer), I haven't got enough left in my overpayment allowance (although I could technically set up an offset pot to help this) and also, we are ploughing capital money into the house at the moment. We are flip flapping about moving all the time, so we need to get to the point where the house is done either for us to enjoy it or so it sells easily.

    Today, the fireplace man starts - stove in one room, tidy up and prettify the hole in the other room.

    Me, I'm on a chores day (and I get to colour mother brick in on my countdown house ) - it's the small things!
    Outstanding mortgage: £23,181 (December 19)
    MFW 2020 Challenge Member #10 0/£2318
  • KarmacatKarmacat Forumite
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    Good for you on colouring in those bricks, those overpayments are outstanding! And great news on the childcare - but also lovely to use some of that "rebate" to pay for specialist tuition that your littl'un will love.
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
  • wishingthemortgaheawaywishingthemortgaheaway Forumite
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    Morning all, first of July and happy green bubble day to all you YNABBERs out there.

    I had quite a lot of in putting and sorting this morning due to end of the month shinanegans and unexpected building work, but all is good as of today.

    I only need to make July's normal budget money last for 2 weeks, then we all decamp to hubby's work location for 3 weeks and I have a separate £700 budget for that. (I've already done the online shop for that - just under £150)

    Mortgage interest hasn't been added as yet, but, when it does I've already got enough in the mop pot to cover that and the take it down to a nice round number. Just £200 to find for a £500 capital reduction this month.

    Expensive month coming up:
    Fireplaces should be finished this week. It should work out a bit cheaper than the quote as we've had to forgo a bespoke item in favour for the 'one provided in the package' option due to the size of the fireplace hole not being as big as we'd hoped - it's not often you save money for things like that. We did have to have a builder in yesterday to fix the internal fireplace wall, so that's an additional, unexpected cost. Once the fireplaces are done, the plasterer will be back. The boiler has broken down - no hot water unless you turn the heating on (urm in this heat? I don't think so) so will ring them this morning and raid the emergency fund.

    Overtime this month should be at least a day, but very little travel expenses. I don't suspect there will be any supply as we are now coming up to the end of term.

    Not sure what else there is. I will be more communicative this month- it went off piste a bit last month as I put my head in the financial sand, but, we are facing it now and will be frugal and thrifty and will kick this mortgage into the long grass if it kills me.

    Hope everyone has a good day.

    Wish.
    Outstanding mortgage: £23,181 (December 19)
    MFW 2020 Challenge Member #10 0/£2318
  • wishingthemortgaheawaywishingthemortgaheaway Forumite
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    Evening all, still no mortgage interest added, so still no mini mop pot breakdowns. But the mop pot line on Ynab is doing reasonably well before bank account rewards and interest etc is added over the next few days.

    Not a nsd today - needed to fill the car up £60 on the nose. This Ynab line was funded to the tune of £80. I shouldn't need to fill up again, but I need to resist the urge to move that £20surplus to the mop pot now.

    I've got half a day's supply booked in for Wednesday afternoon - that's unexpected I thought I was done for the year. They did offer me full time for the last part of this term, which I have declined. I can't work full time for anyone st the moment. Things may change when small goes to school, I could up my hours a little bit. We'll see.

    Meeting tonight, but I'm sooooo tired must, stay awake.

    Have a lovely evening all.

    Wish.
    Outstanding mortgage: £23,181 (December 19)
    MFW 2020 Challenge Member #10 0/£2318
  • wishingthemortgaheawaywishingthemortgaheaway Forumite
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    Ok, back with the figures for the mortgage.
    Interest added was £51.44 which works out just a bit less than £1.71 a day.
    I've transferred £80.70 to cover the interest and to round the mortgage down to £25,700. Aim is to pay another £200 off the balance this month to get to a nice, round £25.5k.

    Bank account rewards have been paid (£2) and my mobile bill generated so able to tilly tidy that Ynab line so I've now got £26.47/£200. A few more bits and bobs of interest to trickle in over the next few days, but it's basically slog through the month now, spending as little as possible on small things as there are significant house costs to pay... urgh! (It will be lovely when it's done though).

    Full day of work today. Need to crack on before I'm 'on the clock' at 8:30.

    Happy mortgage busting everyone.
    Outstanding mortgage: £23,181 (December 19)
    MFW 2020 Challenge Member #10 0/£2318
  • KarmacatKarmacat Forumite
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    Good stuff, Wish! You remind me of the rewards from my current account - I opened it in December, and I haven't done *anything* with them yet, oops. Another one for July.
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
  • wishingthemortgaheawaywishingthemortgaheaway Forumite
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    Thanks Karma, I'd love to have accounts I've 'forgotten' about - but that's pretty impossible with YNAB.

    Today has been a nsd.
    I've worked hard and only left the house to pick Pickle up from the Childminder's house. He's very tired, but also stuffed up, so isn't sleeping well either.

    Boiler engineer came today - going to price up parts, going to be expensive (here comes the emergency fund raid) and apparently we need to start saving for a new boiler. We've only had this one 10 years!!!!

    Tomorrow, fireplace people coming to finally fit the stove.
    Need to plan my lessons for my supply session in the afternoon.
    Need to try and get the house in some sort of order. Hubby is away tomorrow night again, so Pickle will be just that as Daddy is away, only 1 night this time though.

    Night all.
    Outstanding mortgage: £23,181 (December 19)
    MFW 2020 Challenge Member #10 0/£2318
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