Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • newgirly
    • By newgirly 15th Apr 10, 11:02 PM
    • 7,005Posts
    • 48,042Thanks
    newgirly
    Pay off mortgage and start having fun!
    • #1
    • 15th Apr 10, 11:02 PM
    Pay off mortgage and start having fun! 15th Apr 10 at 11:02 PM
    I have been reading other peoples posts for a while,trying to get myself in the right frame of mind to start overpaying on the mortage.DH and I have a house worth about £220,000 with a mortgage of £159,000 although we only paid £120,000 for it (£93,000 mortgage) to start. So as you can see we have been not so great in the past! Last year we also owed about £20,000 on credit cards which is now down to £10,000. I really want to get rid of the mortgage before our youngest turn 18, the twins are nearly 10 now. So any words of encouragement would be great, I need keeping on the straight and narrow.

    Xmas paid for by saving £1 a day minimum in a sealed tin, plus homemade/sale stuff.
    Birthdays now in monthly budget, plus extra vouchers earned

    I am taking part in the earn £2012 in 2012 challenge on the up your income board, so whatever earned from that will be split between op's and holidays fingers crossed.

    Budget from may 2012 onwards:

    income.................2092.00
    child benefit..........188.60
    child tax cr..............0 no longer!
    total....................£2280.60

    mobiles x 2...........32.00
    tv licence..............12.37
    elec/gas................140.00
    water....................60.00
    council tax............125.83
    home insurance.......11.83
    pension..................21.90
    life ins....................15.17
    sky ........................21.00
    car tax....................15.83
    car ins.....................22.00
    car maintenance.........8.33
    petrol.......................60.00

    school dinners............48.00 (1 dinner/1 bacon sarnie each pw)
    pocket money.............20.00
    clothes.......................30.00
    birthdays....................50.00

    grocery.......................250.00
    (food/pets/cleaning)
    DH's money.................100.00
    0%cc ................................32.35
    mortgage interest.........425.00
    mortage overpayment....778.39


    money in: £2280.60
    money out:£2280.60







    This Forum Tip was included in MoneySavingExpert's weekly email

    Don't miss out on new deals, loopholes, and vouchers

    Last edited by newgirly; 16-03-2012 at 12:47 PM.
Page 405
    • newgirly
    • By newgirly 2nd Dec 19, 10:00 PM
    • 7,005 Posts
    • 48,042 Thanks
    newgirly
    Think you are right Vix, I donít want to go and ruin it by being a cheapskate worrying about the cost of everything Iíve been sold my excess euros to my aunt now so the decision is made!

    Long day tomorrow, dd is doing a charity auction for part of her course in north London that we are going to after work that finishes very late. Since I gave up booze I just want to go to bed really early most nights , not very rock and roll
    MFW 38

    2020 start bal:£73,119, current bal: £73,119 target £18,000, £ opíd
    • themadvix
    • By themadvix 3rd Dec 19, 1:23 PM
    • 2,690 Posts
    • 14,732 Thanks
    themadvix
    Hope it goes well for DD tonight!
    • newgirly
    • By newgirly 4th Dec 19, 12:41 AM
    • 7,005 Posts
    • 48,042 Thanks
    newgirly
    Thanks vix, it went really well and they raised nearly £8k for the teenage cancer trust some trains not running tonight though so a long tube home to go still. I wish I was not up at six!

    Spending today £20 petrol, £30 charity donation and about £8 tube probably.
    MFW 38

    2020 start bal:£73,119, current bal: £73,119 target £18,000, £ opíd
    • CathT
    • By CathT 4th Dec 19, 7:25 AM
    • 6,312 Posts
    • 43,798 Thanks
    CathT
    We've been to Rome and loved it and even without expensive meals out (we were so busy we ate on the go) we still spent a lot and that was because of the paid attractions. Where are you visiting on your cruise?

    A self-confessed Christmas film fan here and am missing having sky movies, there's some good ones on n3tflix but not the usual classics and I can't find a pile of our DVD's.
    Jan 2020 - part 1 - £64,504 part 2 - £41,143
    Total - £105,647 94 months to go!
    • newgirly
    • By newgirly 4th Dec 19, 8:21 PM
    • 7,005 Posts
    • 48,042 Thanks
    newgirly
    Hi Cath, the cruise is stopping at Rome for the day so we can do a trip to the colosseum which is on dhís wish list.
    Have you looked at now tv ? Itís sky movies but without a contract, amazon had a month voucher for £8 the other day, worth it over December ds2 has just gone to see elf at the cinema, so jealous but too tired to join him

    Loooong day today, the boiler was leaking water this morning which I had to stick a saucepan under and leave and now we have no heating the hot water is still on though which is the main thing, the builders next door to work have lent us loads of fan heaters.
    MFW 38

    2020 start bal:£73,119, current bal: £73,119 target £18,000, £ opíd
    • CathT
    • By CathT 5th Dec 19, 7:13 AM
    • 6,312 Posts
    • 43,798 Thanks
    CathT
    I'll have a look into it thanks, we would definitely get our money's worth!

    The Colosseum is amazing, I'm
    Tempted by a cruise and my youngest who is 8 wants to go on one too!

    Hope the boiler gets sorted, at least the weather isn't too cold at the moment. Although I have seen rumours of snow in the not too distant future!
    Jan 2020 - part 1 - £64,504 part 2 - £41,143
    Total - £105,647 94 months to go!
    • newgirly
    • By newgirly 5th Dec 19, 9:13 AM
    • 7,005 Posts
    • 48,042 Thanks
    newgirly
    Hope it doesnít snow right now Eight is certainly under the average age of cruises goers we see there are ships that are brilliant for kids though.

    Xmas best friend day out has unfortunately been changed to just a night at the theatre due to her youngest being ill today, unfortunate timing but thatís what tends to happen with kids

    Little spending done online today, as no day out! £14.99 for articulate board game ordered (reduced from £33) for over Xmas, we are stuck in a board game rut of monopoly which is a big time commitment not to mention it can turn nasty will also be buying jenga and connect four as they are cheap at arg@s at the moment, we have played them a bit in a pub and York and they are quick and fun for big groups. £8.97 on 3x scarves for the local little homeless charity amazon wish list.
    MFW 38

    2020 start bal:£73,119, current bal: £73,119 target £18,000, £ opíd
    • newgirly
    • By newgirly 6th Dec 19, 8:02 AM
    • 7,005 Posts
    • 48,042 Thanks
    newgirly
    Mixed day yesterday, the show “white Christmas” was lovely last night, but unfortunately dh text while I was out that the plumber had suggested a new boiler needs fitting it would need another major repair that will cost many £100’s and is not really worthy it as it has corroded underneath in places.

    I’m hoping that the same guy will be able to fit a new one ASAP (he is employed by the builder next door) but they are very busy and I think he’s the only boiler guy there. Plus my of course the cost! We need a reasonably good one a small it’s a three floor house with many people who take long showers I’m guessing around £2k?

    Today will be spent trying to find £2k in the budget basically! I do have a surplus but it’s not that kind of surplus
    Last edited by newgirly; 06-12-2019 at 8:04 AM.
    MFW 38

    2020 start bal:£73,119, current bal: £73,119 target £18,000, £ opíd
    • Moneyfordreams
    • By Moneyfordreams 6th Dec 19, 5:07 PM
    • 1,626 Posts
    • 7,539 Thanks
    Moneyfordreams
    Our boiler was £1400 ish, then it was pipes, labour, time clock... I've recorded £2.6k … pricey really. I've seen notices in town for "new boiler £995" . I think we were had.

    What a pain...
    Mortgage restart June 2018 £119950
    Re mortgage August 19 £110470, HSBC £3250cc, Hfx £6600, NW £5650 M&S £1150, car £5500.
    CC 16650 , it's coming down
    • newgirly
    • By newgirly 6th Dec 19, 10:16 PM
    • 7,005 Posts
    • 48,042 Thanks
    newgirly
    I donít know mfdís I doubt it can be a great boiler fitted for under £1k. We will need a good one really as it will need to get up to the top floor. £2600 doesnít t actually seem that bad, I think we will be looking at £3k odd. It does feel like money for nothing though

    £20.05 spent on an Indian takeaway for ds1 and I tonight, and that was shamefully AFTER I went shopping at @ldi tonight :! Got something for everyone but me and was then very hungry and lazy, terrible and I have no excuse.

    Sunday Iím doing our pre Xmas, Xmas dinner. Bought a frozen turkey today , only £12.99 serving 7-11 , I thought that seemed cheap, plus cranberry and gin gammon (yuk) and a ton of veg , cheese and naughty bits. Total cost £104 including a few bits not for the dinner Thereís will be eleven people but itís still rather a lot...

    £30.16 opíd today from tcb paying out
    MFW 38

    2020 start bal:£73,119, current bal: £73,119 target £18,000, £ opíd
    • newgirly
    • By newgirly 9th Dec 19, 9:38 PM
    • 7,005 Posts
    • 48,042 Thanks
    newgirly
    Crazy busy this weekend, ďChristmas dinnerĒ went really well Sunday, it was however exhausting and expensive even when doing it on budget.

    We have a new boiler my dad very kindly offered to pay and I gratefully accepted as we didnít have the money it went in today and is now warming the house up nicely highly embarrassing though as I didnít click that he would need to go both on our bedroom and bathroom on the top floor and I was mid way through xmas wrapping, it was carnage as he tried to pick his way through piles of presents and rubbish
    MFW 38

    2020 start bal:£73,119, current bal: £73,119 target £18,000, £ opíd
    • themadvix
    • By themadvix 10th Dec 19, 8:53 AM
    • 2,690 Posts
    • 14,732 Thanks
    themadvix
    to the new boiler and your lovely dad!

    Presents and rubbish from them aren't too bad - someone turned up to 'check the regulator' on our gas meter the other day (unannounced) and I had to let him crawl into our smelly and dirty shoe cupboard!!
    • Moneyfordreams
    • By Moneyfordreams 10th Dec 19, 9:48 AM
    • 1,626 Posts
    • 7,539 Thanks
    Moneyfordreams
    yay to warmth. Well done dad
    Mortgage restart June 2018 £119950
    Re mortgage August 19 £110470, HSBC £3250cc, Hfx £6600, NW £5650 M&S £1150, car £5500.
    CC 16650 , it's coming down
    • newgirly
    • By newgirly 10th Dec 19, 10:22 PM
    • 7,005 Posts
    • 48,042 Thanks
    newgirly
    Oh dear Vix! You are not my the only one, I have not opened the door in the past when Iíve spotted meter readers and our stair cupboard has been worse than usual

    We are very lucky to have had help with the boiler, the timing for these sorts of things so is never good, especially when you are more of a ďpayer offĒ type of person rather than a saver!

    Feeling the pinch as bit as Iíd like to op a bit this month and hopefully at the end of December too. Iíve a meal out Thursday , cinema ( Dd to pay for) Friday, meal out Saturday with dh and best friend and hubby (they paid last time) and work xmas do Friday week with no evidence of it being paid for by the boss so far - fingers crossed!
    MFW 38

    2020 start bal:£73,119, current bal: £73,119 target £18,000, £ opíd
    • newgirly
    • By newgirly 12th Dec 19, 8:29 AM
    • 7,005 Posts
    • 48,042 Thanks
    newgirly
    £25.83 credit card cashback for the year has arrived and been overpaid today. Big shop done yesterday in mr t on the way home from work to use up a £9 off voucher - not sure much was sensible meal planning ingredients , but I got a good deal on c@mden hells beer (£12 for 12) and 18 cans of carlsberg for £10 for visiting friends over Xmas and the kids, there were an extra four last night

    Anyway, I have a free day today not sure what to do except housework and washing! Iím thinking a good think about next years finances come Iíll be in order, we are going frugal again
    MFW 38

    2020 start bal:£73,119, current bal: £73,119 target £18,000, £ opíd
    • CathT
    • By CathT 13th Dec 19, 5:42 PM
    • 6,312 Posts
    • 43,798 Thanks
    CathT

    Iím thinking a good think about next years finances come Iíll be in order, we are going frugal again
    Originally posted by newgirly

    I bought my 2020 diary today to do this very thing. Planning definitely keeps that motivation and focus going.
    Jan 2020 - part 1 - £64,504 part 2 - £41,143
    Total - £105,647 94 months to go!
    • newgirly
    • By newgirly 14th Dec 19, 3:21 PM
    • 7,005 Posts
    • 48,042 Thanks
    newgirly
    Hi Cath, love this time of year for making new plans, Can’t wait to catch up on yours!



    [QUOTE=newgirly;70636818][QUOTE=newgirly;70261012][QUOTE=newgirly;70162335]NOV / DEC update!

    Start figures 1st jan

    Mortgage £79,000

    Mortgage at end Oct :

    £73,889.05


    Total at Dec 14th 2019:


    Mortgage £73,254.33

    Total reduction Nov /Dec £643.72

    Total reduction so far this year: £7,745.67

    [/QUOTE

    A little short on the £10k target unfortunately! £2k of the £7745 overpaid this year went towards the new kitchen.

    The budget for the rest of the year is not likely to allow any more ops There is £300.08 left to use on then cc for food and petrol until 5th jan - this is not ideal as we have at least thirteen for the day Boxing Day and it will not be a roast which to be honest often works out cheaper!

    No more big spending to be done except a meal out tonight with friends which I have cash put by for.

    It’s going to be a tight year in 2020
    MFW 38

    2020 start bal:£73,119, current bal: £73,119 target £18,000, £ opíd
    • newgirly
    • By newgirly 15th Dec 19, 9:25 AM
    • 7,005 Posts
    • 48,042 Thanks
    newgirly
    Good evening last night and cheaper than expected 20% discount after we had to wait half an hour extra for the table even though we booked.

    Only ds1 hereís today I believe, all the others are at the partnersí house after they went to stranger things secret cinema last night (very jealous but too tight to buy a ticket and costume )

    Todayís plans -

    Buy another gift for friends Dd even though I put forward a stop at 21 rule and they are now 22 sheís delivered presents for me and all three kids, I was a bit thrown so didnít say anything

    Clear Mount Everest of ironing

    Strip and wash beds

    Meal plan for week and Boxing Day , not sure what to do thatís cheap but doesnít look cheap

    Clear and clean then penthouse so I can have a ridiculously early night snuggled in the Xmas bed clothes and watch tv

    Cooking something from not a lot
    MFW 38

    2020 start bal:£73,119, current bal: £73,119 target £18,000, £ opíd
    • newgirly
    • By newgirly 16th Dec 19, 10:59 PM
    • 7,005 Posts
    • 48,042 Thanks
    newgirly
    I seem to have caught a sick bug terrible last night but a bit better now. I’ve been spent ages tonight in bed planning Boxing Day lunch and changing my online order - rather tricky as I’d originally checked out with a turkey months ago when I booked the slot and apparently u can’t amend turkeys after two phone calls they cancellled the whole shop (and slot) but I managed to rebook quickly

    It’s duel shop this year at waitrose and Aldi, everything fresh or specialist from waitrose coming Monday and anything else that will keep from Aldi. I’m shocked at how much it’s come to, a traditional dinner would be cheaper I think , but nobody wants that Boxing Day.

    Menu is a bit random this year!
    (For about 13)


    Snacks before dinner :

    olives, peanuts, cheese twists, posh crisps

    No starter


    Main:

    Game and chestnut casserole (Mary Berry)

    Waitrose micro mash x3

    Ham with cranberry and orange glaze

    Waitrose micro carrot and swede mash x3

    Red cabbage and apple (Mary Berry)

    Leek, spinach and cabbage in butter (Mary Berry)

    Vegan slice for the vegan (already bought )

    Aubergine and pepper bake with cheese and breadcrumbs for the veggies (Mary Berry again)

    Various fresh fancy loaves I’ll freeze

    Dessert :

    Homemade chocolate cheesecake and cream

    Homemade fruit salad

    Pack of 2x posh vegan chocolate cheesecake slices

    Cupboard bits like mince pie so and stollen (already got)


    Cheeseboard

    Waitrose shop at £84 and Aldi shop expectedly at £75 including just 3x Prosecco and 2 x red wine as we have some already along with beer , port and whiskey.

    All drinks etc. will be own brand Aldi too, seems dear to me?


    I’ve gone for for the microwave mash as I’m useless making it and hate chopping swede , £8 for 6 packs is worth it for me
    Last edited by newgirly; 16-12-2019 at 11:34 PM.
    MFW 38

    2020 start bal:£73,119, current bal: £73,119 target £18,000, £ opíd
    • CathT
    • By CathT 17th Dec 19, 7:06 AM
    • 6,312 Posts
    • 43,798 Thanks
    CathT
    It does sound a lot but I guess you're feeling quite a lot of people. I'm all in favour of some pre-prepped veg, especially anything that's difficult to chop.

    Are you completely recovered from your bug now? There's so much going round and really affecting our local school too.
    Jan 2020 - part 1 - £64,504 part 2 - £41,143
    Total - £105,647 94 months to go!
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

3,399Posts Today

9,835Users online

Martin's Twitter