Pay off mortgage and start having fun!

Oops not posted for a few days again, as its half term I've being starting work very early so I can get back for the kids (although at 14 \14\17 I don't really need to !)

I've £16 left from the £200 budget, so will defiantly go over by Tues when it ends. It's still way less than usual so I'm claiming it as a success saying that I will be spending some of the money I have put by for DDS 18th soon as she is booking a five night holiday abroad with friends and I said we will pay. I've found a good deal for £234 all inclusive incl.flights to Ibiza in June in a lovely hotel on the beach but close to town.

I'm also torn as to whether to go over the planned budget and buy some theatre tickets , she wants to see les mis and Charlie and the chocolate factory, plus I spotted elf too. Not sure which one to pick if I do anyway !

The budget was £500 originally ,a lot but she is pretty independent and works part time paying for everything she gets herself, so want to treat her, does it sound like I am trying to justify it :rotfl:

We have had the factory valued for the short term loan company and already its come out a lot higher than we are paying , could be good news or bad as if the landlord is selling the whole estate as one and we are one of the only two renters , he may not want the hassle of selling elsewhere or may see it's gone up by 50k and up the price (which means we can't buy and get chucked out in two years as we have no right to renew and there are no affordable units anywhere even vaguely nearby)

Anyway, the focus is us getting into the safest financial position personally and with the business. Wages have been cut by 5 % and we may have to do another 5% in a few months if things don't improve. Its been awful but most of the staff have been good about it, they trust dh and as soon as possible wages will go up. When he took over five years ago he put wages up to a more fair rate for everyone and cut the new pay and pension he should have received for this new role.

Personally the challenge is to clear the 0% cards by June, then try and clear the mortgage by the end of term as we don't pass affordability to extend it if we need to (nor to change to repayment from io!) So some will have to be saved and played off at the end of the rate deal period I guess. Lots of pressure all round really.

Hi WABL, thanks for popping and and your lovely kind words I have listened and am holding off buying more stuff. It helped after I went through our finances for the year :eek: I shall post all the details tonight after work as I've not quite finished the budget.

I've had a pretty horrid weekend, dh has been pretty unpleasant to everyone which is out of character, I think it's related to stress as he had a mini breakdown for a few weeks a couple of years ago, which was triggered by work stress. He can't see the connection though at the moment, I guess we will see as the week goes on.

Back to work today, yuk! I have penciled in next week off as its my 40th next Monday but I will play it by ear , although it's quite tempting to leave it as it as right now :rotfl: