Pay off mortgage and start having fun!

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  • newgirly
    newgirly Posts: 8,894
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    Its my first week of new working days, I decided to change my thurs to a Monday, it feels like I have gained a day in the week now :D plus of course hopefully I will get a few extra days bank hols too :T

    I was very good and went to the gym last night and intend to go for a swim tonight and then gym again weds and Friday.

    Not much to report financially , spent £55 in mr t last night in the way home from work, still have quiet a lot of food in so I probably shouldn't have got so much :o

    I wrote to the premium bond people as I have lost an old bond and they have replied saying they can't find any record if it , seems odd as I won £50 a few years ago and they posted the cheque to this address. I have more forms to go back, I just want to start buying them before I get tempted to spend it instead.
    2022 MFW 67 - 33 month challenge to clear mortgage, month 17 completed and and extra 2 knocked off 🙂MFI3 No.12
  • Pearla*Merle
    Pearla*Merle Posts: 1,611
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    Good thinking on the bank holidays ;)

    Hope the stress lessens for Mr NG & you all soon x
    a penny picker upper. MFW approx 78% to go | FIRE 3 years worth (30% savings rate: now aiming for 40%!) | Normality is a paved road; it's comfortable to walk, but no flowers grow on it | Whatever you're meant to do, do it now. The conditions are always impossible | The only thing you absolutely have to know, is the location of the library
  • newgirly
    newgirly Posts: 8,894
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    Thanks Pearla.


    Its not been a good week, dh has had 2 days off work due to stress, and he is a man who usually goes in even with a sickness bug. It was not nice , but he has spent two days in bed and seems a lot better.


    Other than that not much has happened except work and gym this week, I went shopping at mr t again and spent too much money as I have not been in the mood to cook what is in the fridge , so we have had lots of greek salad and houmous.


    Its been no spend week except for food, I'm planning on spending online this weekend - some live theatre cinema tickets plus the deposit for a festival ticket for dd £50.
    2022 MFW 67 - 33 month challenge to clear mortgage, month 17 completed and and extra 2 knocked off 🙂MFI3 No.12
  • newgirly
    newgirly Posts: 8,894
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    I've just received confirmation of purchase of our first premium bond (well second if you count the £50 one I had as a child!) its a bit sad but it really cheered me up :D

    Saving is something we have never done and it feels quite grown up :rotfl:

    Because we has a low spend January on the cc, we have a bit of a surplus when we get paid at the end of feb, after debts and bills about £300 ish, now do I buy more bonds, save it or splash out a little on fun stuff ?

    I took back the evening dress I bought the other day, it fits perfectly as I've lost a few pounds, but the problem is I want to lose quite a bit more than that and they didn't have a smaller size. End result is no refund as it was over 50% off, so I have a £50 gift card, so I will use some of it for mil's birthday next month. Worst case scenario I can't find a dress I can always borrow one of my best friends , she has lots of nice dress in various sizes.

    I have a fridge full of veg and freezers full of all sorts of odds and ends , so I suppose I should stop being lazy and cook something with it all before it goes off , maybe veggie curry.
    2022 MFW 67 - 33 month challenge to clear mortgage, month 17 completed and and extra 2 knocked off 🙂MFI3 No.12
  • newgirly
    newgirly Posts: 8,894
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    It's been a spendy weekend:

    £75 on cinema tickets to see theatre again (the curious incident of the dog in the night time) for us five plus parents
    £31.40 for dd and I to see king Lear (cinema again)
    £65 for the deposit plus extra day fee for reading festival for dd

    All not exactly essential :o

    Dd will be paying for her own ticket - basic price £210 :eek: but I might help her out with money to take with her and buying bits. I must resist the temptation to book a hotel and follow her to make sure she is ok without her mummy though :rotfl:

    The upshot is I have spent all but £15 of this months cc budget , I shall stick £15 of petrol in and them I have £60 cash plus whatever I use form next months surplus. I have arranged a shopping day out with my friend on Thursday so will have lunch out, plus it would be nice to treat myself to something new , but I seem to find it impossible to buy stuff at the moment , I looked around for a top last week and either don't like stuff or can't bear to part with the money.

    I have finally cooked some of the dodgy looking veg in the fridge, a aubergine and chickpea curry and a big pot of finely chopped veg and tomato spicy pasta sauce.

    The diet that was going so well has stopped since the stress started woth dh again last week, I need to get cracking again tomorrow as I did lose about 5lb and don't want to put it all back on.

    Sorry for not keeping up with diaries properly lately, it's just been a bit manic lately, hope everyone is well :)
    2022 MFW 67 - 33 month challenge to clear mortgage, month 17 completed and and extra 2 knocked off 🙂MFI3 No.12
  • Oh I've been meaning to look into premuim bonds but dont know much about them, you just reminded me.
    MFW 16 No 33
    2016 OP Paid/Target 2063/£2063 (100%) COMPLETE
    Mortgage Free - Apr 2016 -DONE!:j
  • Alchemilla
    Alchemilla Posts: 6,047
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    Goodness. I paid about a tenner for Reading...about a hundred years ago when i last went- simple minds headlined!!
  • newgirly
    newgirly Posts: 8,894
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    Ooh I used to like simple minds :D

    Hi nd, I have always thought premium bonds were a bad move as the effective rate is so low, but at the moment who cares really everywhere has low rates , plus there is always the chance you may win big.
    2022 MFW 67 - 33 month challenge to clear mortgage, month 17 completed and and extra 2 knocked off 🙂MFI3 No.12
  • SmlSave
    SmlSave Posts: 4,911
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    An aubergine and chickpea curry sounds nice ng, may I have the recipe? I love aubergine but can't cook it much as DH and DS aren't keen.
    Currently studying for a Diploma - wish me luck :)

    Phase 1 - Emergency Fund - Complete :j
    Phase 2 - £20,000 Mortgage Fund - Underway
  • daisy_1571
    daisy_1571 Posts: 1,163
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    Because we has a low spend January on the cc, we have a bit of a surplus when we get paid at the end of feb, after debts and bills about £300 ish, now do I buy more bonds, save it or splash out a little on fun stuff ?


    Hi NG

    I now use the principal of percentages so if any money comes in unexpectedly is easy to work out what to do with it. Like you I used to endlessly think about all the different things that could be done with it. Currently our percentages are settled on 50% to mortgage (since this is a big priority to us) 25% to new kitchen fund and 25% as "fun money" for us to do what ever we want. Usually this means we spit it 12.5% each and that way we have some fun money of our won. This principle works on whatever money you get - overtime money, winnings, present money etc etc and means you are getting a little bit further with each of the conflicting priorities but you always get a little bit of fun money to "treat" yourself with.

    Hope this helps

    Daisy
    2022: 3🏅 4⭐ 2023: 5🎖🏅🏅 🎖🏅6 ⭐⭐ ⭐ ⭐ ⭐ ⭐ ⭐ ⭐ Never save something for a special occasion. Every day in your life is a special occasion. Take hold of every moment - anon I'm a clutterbug butterfly 🦋 The difference between what you were yesterday and what you will be tomorrow is what you do today Well organised clutter is still clutter - Joshua Becker If you aren't already using something in your home, you won't start using it more by shoving it in a cupboard- AJMoney
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