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  • FIRST POST
    • Hettyhound
    • By Hettyhound 24th Apr 19, 8:32 PM
    • 370Posts
    • 2,159Thanks
    Hettyhound
    Easter 2025 Iím coming to get you!
    • #1
    • 24th Apr 19, 8:32 PM
    Easter 2025 Iím coming to get you! 24th Apr 19 at 8:32 PM
    OK so that maybe slightly optimistic but you have to dream big!

    Iíve 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 Iíve 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.

    Iím a single parent to a small boy and although I donít 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 Iíve got six years to firm that up.

    So thatís why Iím 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 £159.40/£150
    SPC #120 SPC 12: £125.86
    MFW #90 Mortgage start Dec 2015 £79,950; January 2020 £57,942.91; 2020 OP £100/£3000
Page 2
    • Hettyhound
    • By Hettyhound 2nd May 19, 10:29 PM
    • 370 Posts
    • 2,159 Thanks
    Hettyhound
    Yes definitely step away from the 3 for 2 and buy 1 get 1 free; only a bargain if they are on your shopping list! I must admit some of our meals could be described as basic or strange but hey we love a plate of egg and chips with bread and butter to make our own chip butties. We also tend to have a jacket potato once a week; thatís tomorrowís tea, jacket with tuna followed by banana and yoghurt. Stops our tummies rumbling but wouldnít win anything on Masterchef
    Jan 2020 Grocery challenge £159.40/£150
    SPC #120 SPC 12: £125.86
    MFW #90 Mortgage start Dec 2015 £79,950; January 2020 £57,942.91; 2020 OP £100/£3000
    • Hettyhound
    • By Hettyhound 3rd May 19, 10:04 PM
    • 370 Posts
    • 2,159 Thanks
    Hettyhound
    My pond plants have arrived so tomorrow we will try and get them in. Done some research and you can use garden soil instead of aquatic compost if it hasnít got fertiliser in it. I plan to use the soil I dug out of the pond hole which was under gravel and before that under some concrete so there wonít be much in it. Monty Don recommends lining the mesh baskets with hessian so Iíve improvised with an old dust sheet. It was rubbish as a dust sheet as paint splodges went right through onto the floor so it should be ok for lining baskets. I only need some gravel/grit to prevent it floating away which I can get from pets at home in the fish department.

    Quiet weekend planned. Might have a popcorn and dvd session with my son tomorrow and then Sunday is scarecrow trail and ice cream, no plans for Monday yet but the grass needs cutting and the weeds need defeating.
    Jan 2020 Grocery challenge £159.40/£150
    SPC #120 SPC 12: £125.86
    MFW #90 Mortgage start Dec 2015 £79,950; January 2020 £57,942.91; 2020 OP £100/£3000
    • CathT
    • By CathT 4th May 19, 7:49 AM
    • 6,316 Posts
    • 43,815 Thanks
    CathT
    Sounds like a very balanced weekend. Hoping for the same here, productive yet relaxing.
    Jan 2020 - part 1 - £64,504 part 2 - £41,143
    Total - £105,647 94 months to go!
    • Hettyhound
    • By Hettyhound 5th May 19, 9:08 AM
    • 370 Posts
    • 2,159 Thanks
    Hettyhound
    morning MFW. Well I finally got the pond plants in last night, virtually in the dark! How was it 9:30pm by the time Iíd finished? I may well do some moving about today as the last couple did just get plonked in while trying not to get my feet wet. Itís annoying me at the moment as a) the water lily has to be lowered in stages as it grows so itís not in its final position b) I can see the planting baskets and c) I want the plants to grow NOW! Patience child patience.

    Will be spending today as going on local scarecrow trail for charity which also means ice cream from the van. Also need more milk as the 6 pints I got on Wednesday wonít last. I told my boy I would get a pack of knock off weetabix (other breakfast cereals are available!) and if he was hungry he could get himself one; needless to say a lot has been eaten already

    Thought it was going to be a very expensive day yesterday but crisis seems to have been averted. My coffee machine wasnít working properly! I mean itís only 10 years old and gets used everyday, they donít make them like they use to as my dear dad would have said (whilst getting out a screwdriver and setting about mending it). Whilst I was descaling it and cleaning it all out again (although I must point out it has now been cleaned out twice since Christmas) I was investigating new ones. Although I was drawn to the charms and relatively reasonable price of one that matches my toaster I was disappointed by the lack of cash back! Anyway it seems to be better this morning, the coffee is acceptable and as I consider ďlack of coffeeĒ as an emergency the emergency fund would cover it . I might have to put it on my Santa list, ie. save for a new one for Christmas and hopefully there will be better TCB deals to be have for the mortgage fund.
    Jan 2020 Grocery challenge £159.40/£150
    SPC #120 SPC 12: £125.86
    MFW #90 Mortgage start Dec 2015 £79,950; January 2020 £57,942.91; 2020 OP £100/£3000
    • Hettyhound
    • By Hettyhound 6th May 19, 8:07 AM
    • 370 Posts
    • 2,159 Thanks
    Hettyhound
    Happy bank holiday to those lucky enough to have an extra day off. Yesterday was lovely, two nice walks, ice cream, washing on the line, little bit of gardening and then watched The BFG with my boy after tea while eating toffee popcorn. He has already planned our day today for me and tells me there is another dvd session to be had. Hoping our weather holds dry for another day as the grass needs doing and Iím going to strip the beds after breakfast so will be good to get the washing on the line again.

    Got a couple of emails to send, a couple of forms to fill in, meal planning/shopping list to do and a cake to make. Pasta bake for tea tonight and my lunch tomorrow then shopping on Wednesday. Will be changing my day off (I work 30 hours a week over 4 days) from Wednesday to Friday at summer so will have a 3 day weekend every week; Iíd rather have a 3 day week so that mortgage has to go. I have a payment due into my bank next Monday so small OP will be made out of that. My logic tells me to make all my available OP early in the month and savings amounts later to try and save a little bit of mortgage interest (on a daily interest rate). Was looking the other day at the rate Iíll revert to at the end of my fixed, not til October 2020 but the increase is quite shocking on such a small mortgage anyway. Lots of decision time between now and then and probably countless visits to the mortgage overpayment calculator!
    Jan 2020 Grocery challenge £159.40/£150
    SPC #120 SPC 12: £125.86
    MFW #90 Mortgage start Dec 2015 £79,950; January 2020 £57,942.91; 2020 OP £100/£3000
    • Kittenkirst
    • By Kittenkirst 6th May 19, 12:52 PM
    • 2,164 Posts
    • 12,111 Thanks
    Kittenkirst
    Loving reading your new diary- well done on the overpayments so far!

    We have a lot longer to go on our mortgage (£148.5k) so aiming for it to be gone in another 12.5years. Reading diaries really helps me stay motivated- I will subscribe to yours.

    Glad to hear Hetty is doing well after the teeth removal they donít half tug on the heart strings when itís a pet!
    2019 MFW #20£1172.70/ £4500 26%

    Mort- Oct16 £170.995 (end Nov 2041) Dec18 £152,838

    Overpayments 2016 £255.50 2017 £2600.40 2018 £4500
    Referral codes= Prolific- 8JXN5BVG shopmium- ACEAHKFA Shoppix- 57VB13QH
    • Hettyhound
    • By Hettyhound 7th May 19, 10:23 PM
    • 370 Posts
    • 2,159 Thanks
    Hettyhound
    Been for a meeting at school today about learning support for my boy. I mentioned I was going to let him have guitar lessons from September and they said they would see if they could provide some support to help me with them. It would be fantastic if they could but I had already factored into my budget the cost and Iíll be letting him have them anyway. It will be good for his concentration and sense of achievement and he loves music and singing, and Bryan Adams

    Been thinking I should try and do more swag bucks to try and get more mr Marks and Sparks vouchers towards school trousers and shoes; I have £15 already. Just been reading about Prolific which I might investigate further but I donít have a Paypal account and I believe thatís the only payout method.

    Shopping day tomorrow so hoping to come in under budget and maybe have a bit of change for my sealed pot.
    Jan 2020 Grocery challenge £159.40/£150
    SPC #120 SPC 12: £125.86
    MFW #90 Mortgage start Dec 2015 £79,950; January 2020 £57,942.91; 2020 OP £100/£3000
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 8th May 19, 6:23 AM
    • 2,520 Posts
    • 14,173 Thanks
    wishingthemortgaheaway
    Prolific will cash out to an app called Circle (like PayPal) it's fee free at anything over £20. I have the app purely for PA payouts.
    Outstanding mortgage: £23,181 (December 19)
    MFW 2020 Challenge Member #10 0/£2318
    • Hettyhound
    • By Hettyhound 8th May 19, 10:48 AM
    • 370 Posts
    • 2,159 Thanks
    Hettyhound
    Thanks Wishing. Iím a bit of a dinosaur when it comes to technology but mainly because I just wonít use it so in my circumstances Iíd rather have the money in the bank, or off the mortgage. I donít have a smartphone, Iíve got a pay as go phone that gets about £5 added every couple of months and thatís really just for if school need to get in touch. I mainly use my iPad so Iíll investigate the Circle app for that.

    Been shopping this morning and came in at £22 exactly. Was aiming for £20 but did buy a few bits off list, naughty me! Got a tub of ice cream and some cones so we can have our own ice creams when itís warm, although today Iíve got 3 layers on as I refuse to put the heating on; itís May allegedly Got some cream crackers and those chocolate covered teacakes for my sonís snacks/suppers as well.

    Off to clean the house now in the hope of warming up!
    Jan 2020 Grocery challenge £159.40/£150
    SPC #120 SPC 12: £125.86
    MFW #90 Mortgage start Dec 2015 £79,950; January 2020 £57,942.91; 2020 OP £100/£3000
    • Kat78MFW
    • By Kat78MFW 8th May 19, 11:06 AM
    • 100 Posts
    • 159 Thanks
    Kat78MFW
    The Circle app is good. I should think you can get it onto your Ipad. Once the money is in your circle account you can cash out direct to your bank account. The surveys on Prolific are really well paid. I cashed out £22 a few days ago and I'm already back up to £2.50.
    Current mortgage (March 19) £54 943 (5yr fix since Jan 18 Interest Only 1.99%)
    Current monthly payment £799 (£109 interest and £690 repayment)
    Current Mortgage Free Date March 2025
    Opening mortgage balance June 2002 - £114 000
    Re-mortgage May 2007 £118 000 (borrowed extra £14 000 to pay loan back to BIL+SIL)
    Agreed repayment date May 2027
    • Hettyhound
    • By Hettyhound 8th May 19, 1:19 PM
    • 370 Posts
    • 2,159 Thanks
    Hettyhound
    Thanks Kat78MFW, I’ll have an investigation tonight when the boy is in bed.
    Jan 2020 Grocery challenge £159.40/£150
    SPC #120 SPC 12: £125.86
    MFW #90 Mortgage start Dec 2015 £79,950; January 2020 £57,942.91; 2020 OP £100/£3000
    • juliejim
    • By juliejim 9th May 19, 9:52 AM
    • 7,699 Posts
    • 152,700 Thanks
    juliejim
    You're making great headway with your mortgage - brilliant!

    Jue
    NST #10 Steps 7K 2/30 10K 2/12 5 a day 3/30 NSD 0/20
    MBNA £5500
    • Hettyhound
    • By Hettyhound 9th May 19, 8:50 PM
    • 370 Posts
    • 2,159 Thanks
    Hettyhound
    Thanks Jue. Iím finding the whole thing rather addictive to be honest but not sure I will be able to keep it up like this for the full 6 years. Have succumbed to put the heating on tonight, Iím absolutely perishing. Been out a couple of times as itís was my boys first session at Beavers which he seemed to enjoy. More money to hand out but itís not too bad and it is in the budget. Subs for this term are £38 and Iíve got to get him a sweatshirt (to adorn with all his badges) which is about £16. Thanks for all the advice about Circle and Prolific. Iíve downloaded the circle app and set up the basics and I registered and set up my profile on Prolific last night. Think I might get my old laptop out for PA as the 2 that have come up were both for desktops only not a tablet.

    Although itís been a short week Iím glad itís Friday tomorrow as Iím worn out. New job was started 7 weeks ago and Iím not 100% convinced but itís more money so.......Job was advertised at 30 hours but when I started found out the previous role holder did 37 hours but nothing has been taken out of role, Iím just expected to do the same in a day a week less Had a meeting today about it and ďsolutionĒ was if you are struggling let us know and weíll see if someone can help out. Hoping going forward I can manage but as Iím still learning (or rather teaching myself) itís not a good situation. Still Iím just focusing on my mortgage free day, and having a little moan along the way
    Jan 2020 Grocery challenge £159.40/£150
    SPC #120 SPC 12: £125.86
    MFW #90 Mortgage start Dec 2015 £79,950; January 2020 £57,942.91; 2020 OP £100/£3000
    • beanielou
    • By beanielou 9th May 19, 9:28 PM
    • 68,467 Posts
    • 312,795 Thanks
    beanielou
    Try your local selling pages for a beaver sweatshirt
    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 10th May 19, 10:47 PM
    • 370 Posts
    • 2,159 Thanks
    Hettyhound
    Well what a day. Spent all day fire fighting a deluge of emails so got no real work done, hence Iíve brought some manuals home to read this weekend in the hope Iíll know what Iím doing next week! My boy refused to go to bed; Iíll just leave it at that and let you fill in your own blanks. The clutch is going on the car. Was driving home and pulled up to a roundabout and thought whatís that rattling noise? By the time I got home I worked out it only rattled when I pressed the clutch pedal so Googled when I got home. Sounds like itís the bearings in the clutch so new clutch it is then. Will call at the garage in the morning to get it booked in but I expect it will cost around £400. Just hope it will last out until I can get it replaced.

    I am going to be positive though, the money for car repairs is in the bills account as I put £50 a month towards insurance, tax, breakdown and maintenance. The car only cost me £30 to get through the MOT last year as amazingly it didnít need any work and I had a puncture repair done just over a year ago so most of this yearís maintenance money is still there and a bit left from the year before so itís covered.

    Today is mortgage day and Iíve also just made an overpayment of £50 so my current mortgage balance stands at £62,095.81. The interest charged was lower again this month at £138.83. I might have a few pounds left at the very end of the month as when all bills and childcare money is allocated I clear the account down to a pound the day before payday
    Jan 2020 Grocery challenge £159.40/£150
    SPC #120 SPC 12: £125.86
    MFW #90 Mortgage start Dec 2015 £79,950; January 2020 £57,942.91; 2020 OP £100/£3000
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 11th May 19, 7:49 AM
    • 2,520 Posts
    • 14,173 Thanks
    wishingthemortgaheaway
    Boooo to car costs. Hopefully it will be fine until it can be booked in. I'm amazed £50 a month does all your car related costs though. I do £70 a month for repairs related stuff alone.
    Outstanding mortgage: £23,181 (December 19)
    MFW 2020 Challenge Member #10 0/£2318
    • OhtobeMortgageFree
    • By OhtobeMortgageFree 11th May 19, 8:10 AM
    • 169 Posts
    • 508 Thanks
    OhtobeMortgageFree
    Just popping in to say Well Done on all the overpayments! I'm a Mum of a two year old boy but couldn't imagine trying to overpay as a lone parent.
    I'm a big fan of Prolific. I work from home on the computer on a Friday and leave Prolific open in a separate tab on my browser. I usually get between £10-£20 most Fridays for completing the surveys which has helped us out loads over the past couple of years.
    Original mortgage total: £140,000.00 (July 2015) Original mortgage end date: June 2040
    Mortgage free start date: 16th October 2018 Mortgage total at this point: £132,829.12
    Current mortgage total: £124,315.99 Current mortgage end date: June 2038
    Total overpayments so far: £1585
    MFW 2020: £60 / £5000
    Daily interest: £7.59 > £7.13
    • Hettyhound
    • By Hettyhound 11th May 19, 1:34 PM
    • 370 Posts
    • 2,159 Thanks
    Hettyhound
    Hi Wishing, Iíve got a Peugeot 107 which is only £20 road tax a year, my comprehensive insurance was £160 plus a £40 Amazon voucher and the breakdown cover was £99 with £45 cash back so £280 which leave £320 this year for maintenance. Dropped car at garage this morning but donít think they can do it until Wednesday so will have to try and negotiate working from home for a couple of days or going in late/leaving early as itís a 90 minute bus/walking journey as opposed to 25 mins in the car, It depends if I can get the software onto my very old laptop to give me access to all the systems. If I can work from home then Ohtobe I too will try to dip into Prolific. I might actually get more done at home as there will be no disturbances. Ballpark figure for new clutch is £350
    Jan 2020 Grocery challenge £159.40/£150
    SPC #120 SPC 12: £125.86
    MFW #90 Mortgage start Dec 2015 £79,950; January 2020 £57,942.91; 2020 OP £100/£3000
    • Hettyhound
    • By Hettyhound 12th May 19, 8:26 AM
    • 370 Posts
    • 2,159 Thanks
    Hettyhound
    Did my first 2 Prolific surveys last night, followed by an hour getting kicked out of SB surveys, the difference is amazing! Iím about half way to a £5 M&S voucher on SB then Iím calling it a day with them. Managed to get some gardening done yesterday with my little one trying his hardest to destroy the veg patch. Had a chat with a neighbour about whether it was too early to plant out courgettes and we decided it was. I did plant out my cosmos Iíve grown from seed though as the internet was vague and just said when the risk of frost has passed. I was a bit worried last night when I let the dog out before bed and I could see my breath but they look ok this morning. Moved some other seedlings into the cold frame and they look ok this morning when I opened it up. Iíve got some gladioli bulbs from last year that I want to get into today otherwise they wonít come through and Iíve got spinach in the cold frame to put in the garden. So loads to do in the garden to add to my incredibly long to do list for everything else. Top priority though is to try and get laptop sorted so I can work from home if Iím allowed

    Hope you all have sunshine where you are and can get out and enjoy it; have a lovely day
    Jan 2020 Grocery challenge £159.40/£150
    SPC #120 SPC 12: £125.86
    MFW #90 Mortgage start Dec 2015 £79,950; January 2020 £57,942.91; 2020 OP £100/£3000
    • Hettyhound
    • By Hettyhound 13th May 19, 1:51 PM
    • 370 Posts
    • 2,159 Thanks
    Hettyhound
    So Iíve got two days working from home and so far Iíve been more productive here than in the office. Also no one minds here if I talk to myself . Iím also viewing this as a money saving interlude (Iím in denial at the moment about the upcoming garage bill). The way I see it I am saving two days of petrol and about £10 in the bus fare had I had to go in by bus. Sideline benefits are Iím getting more done, (this is a late lunch break as I got carried away with my spreadsheets), Iíve done a Prolific survey and Iíve paid another £10 off the mortgage following an account tidy. Extra extra benefit the sun is out.
    Jan 2020 Grocery challenge £159.40/£150
    SPC #120 SPC 12: £125.86
    MFW #90 Mortgage start Dec 2015 £79,950; January 2020 £57,942.91; 2020 OP £100/£3000
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