And so it begins: The Pig Vs The Mortgage

the_cross_rabbit wrote: »

Hi pinky what's an OS pot?
CRx

Hi CR

I have an offset mortgage so rather than making actual over payments I put mine into the savings part which I call my offset pot.
Hope your little one (and her mummy) has had an easier day . Xxx

woodfired wrote: »

Wow PP, great progress on the financials!! Is yours a truly offset mortgage or do you just have a savings account that runs alongside? I would love to have all savings in one place but find they are all over the place to make the most of various interest rates (that are all capped at different amounts!).

Your weekend sounds lovely and I'm glad you are feeling more positive again. Keep up the good work!

Hiya WF - I do feel positively elated as all those component parts are really adding up - the saving, no unnecessary spends, planning,cutting waste, earning extra where possible. The cumulative affect is amazing. I'm so glad I started my journey and my diary as the finances are coming together but life is also more relaxed and fulfilling than it has been in years - I certainly don't feel deprived, rather the opposite really
My mortgage is a proper offset so the £116 a month interest on the os pot can either reduce my monthly payments by £116 or pay £116 off the capital and keep the repayments the same. I do the latter as it drives the mortgage down quicker
Hope you and your little ones had a half term xx

Evening :wave:
Another work day done and a step closer to the weekend:j. Its been wet and wild here (again!) but I treat myself to an early finish and was home in good time so I got the stove lit and it warmed the house up really quickly, so much so that the heating didn't come on:D
I'm going to try and do this on nights when we're in as one bucket of coal keeps the downstairs warm and gets a load of laundry dry overnight.

It's been a spendy day as I did the grocery shop on my way home so £20.99 spent. With getting home sooner I got some things done ahead of the weekend. I had defrosted steak and mushroom pie filling so I made a batch of pastry in the FP and froze half. The filling made 5 individual pies so they'll do dinner tomorrow plus two lunches. I also peeled and stewed the last of the apples. I've kept some in the fridge for breakfasts, froze some and made an apple pie for the kid's pudding tomorrow.
I also have a confession . Despite filling my freezer with all things pumpkin I saw a huge one on post Halloween clearance and it sort of fell into my trolley:rotfl: it's been sat in the pantry all week so now it's been chopped, roasted and put in bags in the freezer for soup at a later date

Other small steps to success and wellbeing included;

Dry laundry folded and put away

Drank enough water

Spin class done

Showered at the gym

Lunches ready for tomorrow

Cheap, healthy eats (porridge for breakfast, lo for lunch and chicken curry from the freezer and rice for dinner.

Did my turtle deed for the day - went to £stretcher on the way home and stocked up on winter medicines. Flu capsules with the same active ingredients as Beechams - 16 for 69p:money:, paracetamol 15p and ibuprofen 25p. I've already got vapour rub and lip balm so I just need throat sweets now and we are prepared for the inevitable and won't have to pay extortionate prices for things by getting caught short:). Love that thread.

My electric blanket is on so I'm going to make a cup of tea and settle in for an hour of reading before bed. Bliss:)

Happy Thursday to you:)

PPxx