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  • FIRST POST
    • Hettyhound
    • By Hettyhound 24th Apr 19, 8:32 PM
    • 367Posts
    • 2,144Thanks
    Hettyhound
    Easter 2025 I知 coming to get you!
    • #1
    • 24th Apr 19, 8:32 PM
    Easter 2025 I知 coming to get you! 24th Apr 19 at 8:32 PM
    OK so that maybe slightly optimistic but you have to dream big!

    I致e been reading these for a while and decided it was time to go public instead of lurking; hopefully I can keep up with it and keep motivated. I have a mortgage which is not huge but I still have one. Originally 」80,000 in November 2015 and as of tonight stands at 」62,919.93, which does mean in the last 3 1/2 years I致e paid off 」17,030.07. The current redemption date is 11th November 2031 as it is a 16 year mortgage with 12 1/2 years left but I would love to pay it off in six years, hence Easter 2025 in the title.

    I知 a single parent to a small boy and although I don稚 earn masses I do ok. I live fairly frugally because that suits me and the mortgage is my only debt. I want to get rid of it while the boy is small and fairly cheap to run as the bigger he gets the more he will cost me. There is a kind of fuzzy end plan as to how I will spend my mortgage free time but I致e got six years to firm that up.

    So that痴 why I知 here, doing this on my own for me and my fuzzy end plan . Thanks for reading and good luck to all you mortgage free wannabes x
    Jan 2020 Grocery challenge 」144.55/」150
    SPC #120 SPC 12: 」125.86
    MFW #90 Mortgage start Dec 2015 」79,950; January 2020 」57,992.91; 2020 OP 」50/」3000
Page 13
    • beanielou
    • By beanielou 10th Nov 19, 9:42 AM
    • 68,430 Posts
    • 312,614 Thanks
    beanielou
    Good news on the OP’s.
    Lou~ Debt free Wanabe No 55 DF 03/03/14. MFW. 14 months to mortgage freedom.
    **Credit card debt free 30/06/10~**
    **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
    • Hettyhound
    • By Hettyhound 11th Nov 19, 10:07 PM
    • 367 Posts
    • 2,144 Thanks
    Hettyhound
    Mortgage payment day! So I have dropped down to 」58,897.77 so another marble moved for taking another 」500 off. The interest was 」135.72 which is about 」4.38 per day.

    Did a bit of online shopping last night to start the Christmas gifts and I知 on holiday tomorrow with a long to do list including an eye test and parents evening. I need to resign as well as I was offered a new job today
    Jan 2020 Grocery challenge 」144.55/」150
    SPC #120 SPC 12: 」125.86
    MFW #90 Mortgage start Dec 2015 」79,950; January 2020 」57,992.91; 2020 OP 」50/」3000
    • beanielou
    • By beanielou 11th Nov 19, 10:15 PM
    • 68,430 Posts
    • 312,614 Thanks
    beanielou
    Good news on the new job
    Lou~ Debt free Wanabe No 55 DF 03/03/14. MFW. 14 months to mortgage freedom.
    **Credit card debt free 30/06/10~**
    **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
    • Makethedayscount
    • By Makethedayscount 12th Nov 19, 7:06 AM
    • 187 Posts
    • 904 Thanks
    Makethedayscount
    Brilliant news on the new job!

    • becky170
    • By becky170 12th Nov 19, 9:18 AM
    • 593 Posts
    • 4,507 Thanks
    becky170
    Congratulations on the new job!
    MFW 2020 #7 」700/」3000
    • cat04
    • By cat04 12th Nov 19, 10:35 AM
    • 633 Posts
    • 2,686 Thanks
    cat04
    What a fab day - mortgage below 」59,000, daily interest dropped....and a new job! Yay, congratulations
    Extra savings aim for 2020 」4,000 」0/」4,000
    Original MF date Feb 2025. Currently Feb 2030 Aiming for Jan 2025
    Mortgage at 10/19 - 」47,200 11/19 - 」46,615
    My girls keep me going
    • Moneyfordreams
    • By Moneyfordreams 12th Nov 19, 11:16 AM
    • 1,628 Posts
    • 7,546 Thanks
    Moneyfordreams
    Congratulations
    Mortgage restart June 2018 」119950
    Re mortgage August 19 」110470, HSBC 」3000cc, Hfx 」6500, NW 」5150 M&S 」1100,
    CC 16150 Mortgage 」107900
    plus car 」6000 , it's coming down
    • Hettyhound
    • By Hettyhound 14th Nov 19, 9:04 PM
    • 367 Posts
    • 2,144 Thanks
    Hettyhound
    Been shopping and came in under budget. Been trying to calculate how much extra I値l need for December as we are travelling a lot as well as extra food etc. Have to go into work tomorrow for a meeting but have to go in early to pull some reports. I suppose I should get used to working 5 days a week as that痴 what I値l be doing come January. So very nearly finished my Christmas shopping but still have a sweater to knit for my boy. He痴 going on a school trip tomorrow so hoping he値l be tired in the evening and go off to bed early......I can dream
    Jan 2020 Grocery challenge 」144.55/」150
    SPC #120 SPC 12: 」125.86
    MFW #90 Mortgage start Dec 2015 」79,950; January 2020 」57,992.91; 2020 OP 」50/」3000
    • Hettyhound
    • By Hettyhound 16th Nov 19, 2:01 PM
    • 367 Posts
    • 2,144 Thanks
    Hettyhound
    Walked into town this morning. Called to donate more stuff I don稚 need, got an order form from the butchers and bought some itch cream for my son痴 dry legs. Another Christmas present arrived. Now seriously considering a kids tablet for his present. I said I wouldn稚 yet but after parents evening thinking maybe educational apps will grab his attention more and he could be gaining knowledge while I知 busy. Have consulted my cousin for feedback! He doesn稚 know what he wants from Santa so wondered if I could get away with it as from mummy and Santa together? Santa has already collated a number of small items.

    Going on a greyhound walk tomorrow and about to get Hetty out for a walk and a cycle for my son. Looking bright at the moment so best get on with it! Slow cooker on and our homegrown butternut squashes (2) have been roasted in the oven; ready to be mashed and frozen
    Jan 2020 Grocery challenge 」144.55/」150
    SPC #120 SPC 12: 」125.86
    MFW #90 Mortgage start Dec 2015 」79,950; January 2020 」57,992.91; 2020 OP 」50/」3000
    • beanielou
    • By beanielou 16th Nov 19, 10:09 PM
    • 68,430 Posts
    • 312,614 Thanks
    beanielou
    Great idea on a tablet & it being a joint gift
    Lou~ Debt free Wanabe No 55 DF 03/03/14. MFW. 14 months to mortgage freedom.
    **Credit card debt free 30/06/10~**
    **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
    • Hettyhound
    • By Hettyhound 18th Nov 19, 7:09 AM
    • 367 Posts
    • 2,144 Thanks
    Hettyhound
    Lovely walk yesterday with a like minded group of hounds and owners. It was the Christmas raffle so for the investment of 」2 we ended up with a tub of chocolates, a box of Markies for Hetty, a squeaky soft toy sausage dog (we致e called it Heidi after the sausage dog next door!) and then Alex got the leftover donated gift no one wanted; a paint your own dinosaur money box. I cleaned up a lot of paint last night, wiped door handles and light switches and put the bathroom towels through the wash on an unheard of 60C! It seems to have done the trick. Waiting for Black Friday to see if I can get a discount on a tablet as a gift. Have new glasses I致e just paid for so will wait for second release of Carfest tickets in the new year rather than trying to get when they go on sale on Wednesday for one day only. We only want day tickets not the 堵old dust weekend camping.

    Off to work now...20 days left
    Jan 2020 Grocery challenge 」144.55/」150
    SPC #120 SPC 12: 」125.86
    MFW #90 Mortgage start Dec 2015 」79,950; January 2020 」57,992.91; 2020 OP 」50/」3000
    • Hettyhound
    • By Hettyhound 22nd Nov 19, 12:13 PM
    • 367 Posts
    • 2,144 Thanks
    Hettyhound
    Well yesterday was mixed to say the least. If I hadn稚 already resigned I think I may have walked out I have never worked with such a group of people, I won稚 described them as a team because they definitely aren稚. Anyway only 16 more work days

    Got the contract for my new job through and the salary is higher than expected . Weekly shop only came in at 」17.58 so I致e potted a fiver. We have two more wobbly teeth so 」2 held back for the fairy visit. Looked at my TCB account and 」24 from money supermarket has tracked through. Finished my Christmas shopping this morning online with Black Friday deals. Saved 」45 on a kids tablet so that paid for the other bits. I have a 30th birthday in December but then I think everything apart from food will be bought.

    About to get the slow cooker going (not for tonight). I got 1kg of chicken thighs for 」1.65 last night so have found a honey mustard recipe for chicken thighs in the slow cooker. I will cook them and then freeze some and have some on Sunday with veg. Making a butternut and feta quiche for tea tonight with our homegrown squash, hoping it痴 yummy.
    Jan 2020 Grocery challenge 」144.55/」150
    SPC #120 SPC 12: 」125.86
    MFW #90 Mortgage start Dec 2015 」79,950; January 2020 」57,992.91; 2020 OP 」50/」3000
    • savingholmes
    • By savingholmes 24th Nov 19, 7:30 PM
    • 10,194 Posts
    • 21,244 Thanks
    savingholmes
    Congrats on the new job! Well done on getting through your Christmas list too!
    During 2020: Target 1) 」25,121 to be repaid in 2020 (0%) Now down to 」24,703 Target 2) repay 」1450 off (OP 」102.51) mortgage now 144872 @1.7% Target 3) Set up SIPPs Target 4) Declutter 52 bags - now done 4/52
    • Hettyhound
    • By Hettyhound 25th Nov 19, 8:00 PM
    • 367 Posts
    • 2,144 Thanks
    Hettyhound
    Just made an overpayment of 」37.77 to round the mortgage down to 」58,860. Cashed in some TCB and Prolific so put it to good interest saving use
    Jan 2020 Grocery challenge 」144.55/」150
    SPC #120 SPC 12: 」125.86
    MFW #90 Mortgage start Dec 2015 」79,950; January 2020 」57,992.91; 2020 OP 」50/」3000
    • Hettyhound
    • By Hettyhound 26th Nov 19, 6:19 PM
    • 367 Posts
    • 2,144 Thanks
    Hettyhound
    Payday on Friday thank heavens, I have a pound in my purse and not much petrol I the car. I used MSE energy club last night to switch my gas and electric. It should save me about 」8 a month but I知 more interested in getting my money back from my current supplier. They got my payments all wrong so I ended up around 」180 in credit but instead of paying me some back they reduced my monthly payment by 」13. I knew I was planning on switching so I just let it be. At the moment my heating is only coming on for less than an hour morning and night. The loft insulation has been a worthwhile investment
    Jan 2020 Grocery challenge 」144.55/」150
    SPC #120 SPC 12: 」125.86
    MFW #90 Mortgage start Dec 2015 」79,950; January 2020 」57,992.91; 2020 OP 」50/」3000
    • Hettyhound
    • By Hettyhound 30th Nov 19, 8:38 AM
    • 367 Posts
    • 2,144 Thanks
    Hettyhound
    Payday yesterday so did the big monthly shop. I致e upped Decembers food budget to 」200 from 」150 to cover the extras and also increased the fuel and spends a bit too. Any remaining will find its way into my sealed pot. I seem to be on target at the moment but need to remain focussed when in Ald1! Christmas activities start this weekend and now I致e only got 12 working days left in the horrible job

    I spent far too much time on the mortgage overpayment calculator yesterday planning my budgets and overpays. I can do a new deal in a years time so was looking at the options for reducing the term and increasing the monthly payment as well as overpays. Will have to see if they will let me increase my payment but I earn more now than I did when the mortgage was taken out. Lots of time to think about this but I do like a plan!

    Have to do some money moving today. Premium Bond, pay credit card, top up bills account and may be see if there痴 a little for the mortgage.....
    Jan 2020 Grocery challenge 」144.55/」150
    SPC #120 SPC 12: 」125.86
    MFW #90 Mortgage start Dec 2015 」79,950; January 2020 」57,992.91; 2020 OP 」50/」3000
    • Hettyhound
    • By Hettyhound 2nd Dec 19, 1:21 PM
    • 367 Posts
    • 2,144 Thanks
    Hettyhound
    Had a festive trip out yesterday to Fountains Abbey to listen to a choir, see the lights and drink hot chocolate! We had Mr Buble in the car all the way as he makes an appearance on the 1st of December every year. Happy to say my son is settled with his traditional non chocolate advent calendar once he had got over the initial shock

    I think we have decided on what he wants Santa to get him, a microphone. I'll try to get that ordered this week; its on the list of jobs! We have had some behavioral issues these last few days and I'm just so very tired out and the festivities have only just begun. I'm having a nap most evenings when he's in bed which is not getting his sweater knitted (Christmas pressie) and I've got to pull some out because I've made a mistake Ah well if not finished its his birthday in March
    Jan 2020 Grocery challenge 」144.55/」150
    SPC #120 SPC 12: 」125.86
    MFW #90 Mortgage start Dec 2015 」79,950; January 2020 」57,992.91; 2020 OP 」50/」3000
    • Hettyhound
    • By Hettyhound 4th Dec 19, 1:11 PM
    • 367 Posts
    • 2,144 Thanks
    Hettyhound
    91/2 days left in this job and counting........Went out for tea last night at my old work colleague's house. It was lovely to meet up with a few friends and my son was very well behaved and charmed everyone. That lasted until 10 minutes before we had to leave the house this morning and I was on the receiving end of I hate you, you are the worse mummy ever etc etc etc........I only asked him to brush his teeth and get his sweatshirt on! I'm afraid getting out of the house on a morning normally involves a flare up.

    Did some calculations yesterday trying to estimate my new income and how I will "spend" the increase; savings, mortgage, premium bonds. Also been thinking into 2020 and my plans and targets. My fixed rate ends in November 2020 so been looking at new deals and whether I should try and reduce the term to save interest and the balancing act between increased regular payments and the flexibility of over payments but the cap of 10%; I feel a spreadsheet coming on

    Busy week this week; out last night, school play on Thursday, visiting friends Saturday and panto Sunday. Next week isn't much quieter and then we are away at the seaside a week on Saturday, I am exhausted thinking about it. I must start writing cards and wrapping up tonight otherwise it will not get done in a calm manner and I'll end up in sellotape frenzy
    Jan 2020 Grocery challenge 」144.55/」150
    SPC #120 SPC 12: 」125.86
    MFW #90 Mortgage start Dec 2015 」79,950; January 2020 」57,992.91; 2020 OP 」50/」3000
    • Hettyhound
    • By Hettyhound 10th Dec 19, 1:24 PM
    • 367 Posts
    • 2,144 Thanks
    Hettyhound
    I made an over payment of 」25 yesterday so I have OP'ed by 」1600 this year which is 」100 over the target I set myself. Its mortgage DD day today so I'll check my online banking tonight; mortgage should have dropped below 」58,500. Tooth fairy had a pound out of me last night but we have no more wobblies at the moment. I did a meal plan up to the end of the month and this is an area I'm going to try and concentrate on for next year. I've printed some meal plan sheets to fill in and would like to plan for at least 2 weeks at a time if not 4. Then I can allocate the frozen portions of my batch cooking to specific days and spread them out a bit. We have developed some favourite meals and some we have tried we won't bother with again. Tonight is veggie savoury "mince" in a giant yorkshire pudding and tomorrow is egg and chips with bread and butter to make chip butties, sometimes you just can't beat the old favourites

    We are away at the weekend for one night in the free cottage we were offered. It should be fairly cheap as we will be taking a picnic and also food for the evening. We plan on visiting a NT property and having a couple of sessions on the beach so my purse can have a little rest. All the Christmas presents are now bought and will be paid for when the cc bill comes in. I did forget to cost in the price of card postage but not too many and they all go second class Sat in a draft at work (that's normal for this office) and counting down the time until I can go (and the days until I leave; only 6 days and 3 hours left not that I'm counting or anything )
    Jan 2020 Grocery challenge 」144.55/」150
    SPC #120 SPC 12: 」125.86
    MFW #90 Mortgage start Dec 2015 」79,950; January 2020 」57,992.91; 2020 OP 」50/」3000
    • beanielou
    • By beanielou 10th Dec 19, 9:54 PM
    • 68,430 Posts
    • 312,614 Thanks
    beanielou
    Great result on the mortgage
    Lou~ Debt free Wanabe No 55 DF 03/03/14. MFW. 14 months to mortgage freedom.
    **Credit card debt free 30/06/10~**
    **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
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