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  • FIRST POST
    • newgirly
    • By newgirly 15th Apr 10, 11:02 PM
    • 6,468Posts
    • 44,988Thanks
    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







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    Last edited by newgirly; 16-03-2012 at 12:47 PM.
Page 368
    • newgirly
    • By newgirly 4th Jun 18, 8:01 AM
    • 6,468 Posts
    • 44,988 Thanks
    newgirly
    I eventually collected them at just gone 1am, very tired now

    MONDAY:

    * go to the place I used to visit - think it was called the gym

    * do ironing I avoided yesterday

    * quick tidy and mop

    * research holidays with best friend

    * relax and look at receipes and meal plan- Paul mc Kenna says I can eat what I want as long as I follow his four rules :

    Only eat when hungry

    Eat what you fancy not what you think you should eat

    Eat slowly and savour every mouthful

    Stop eating when full

    Seems like simple common sense, but to be honest many times that doesn't happen - eating lunch quickly at work, eating when reading etc. Go at to,be worth a shot, I feel it works I can cancel WW
    MFW 21

    £77,580
    • themadvix
    • By themadvix 4th Jun 18, 8:06 AM
    • 1,943 Posts
    • 11,221 Thanks
    themadvix
    It was far too hot to iron yesterday, so don't feel guilty about that!

    Well done for not booking the cruise - stay strong!!

    I agree with Alex about getting sleep - if you can't stay awake then don't set the alarms! It's really not good and they would ring you if they needed help - they sound like sensible, intelligent boys who would stick together/with someone/do the sensible thing.

    I'd recommend the sleep hypnosis thing. Don't rely on it entirely, but I used hypnosis to get over a phobia and it included listening to something as I went to bed. It's amazing what a difference it makes.
    OPs 2018 = £2090
    Moving savings = £3085
    OPs 2017 = £3103
    Starting balance 2012: £132000; balance Jul 2018: £91,552
    MFW2018 no. 38
    • newgirly
    • By newgirly 4th Jun 18, 10:09 AM
    • 6,468 Posts
    • 44,988 Thanks
    newgirly
    Hi vix, I appreciate the comments, not sure how sensible they are - ds2 slept in all his clothes including boots last night

    Glad to hear the hypnosis worked for you, I'm looking for a way that doesn't make everything feel such hard work!
    MFW 21

    £77,580
    • themadvix
    • By themadvix 4th Jun 18, 12:29 PM
    • 1,943 Posts
    • 11,221 Thanks
    themadvix
    Was he cold?!! (Sorry, I realise I shouldn't give parenting advice.... but I'm pretty sure neither my parents nor my DH's parents were quite so concerned when we were out late once we were in the swing of it, IYSWIM. You're a very caring and considerate parent, but you do need sleep!
    OPs 2018 = £2090
    Moving savings = £3085
    OPs 2017 = £3103
    Starting balance 2012: £132000; balance Jul 2018: £91,552
    MFW2018 no. 38
    • newgirly
    • By newgirly 4th Jun 18, 9:07 PM
    • 6,468 Posts
    • 44,988 Thanks
    newgirly
    Not cold - drunk!

    I see what you are saying but I'm still in the transitional phase of letting go

    Ventured back to the gym today, easing in gently i.e. Quick work out followed by a sandwich with best friend while we discussed holiday plans. We have almost decided on a very nice hotel in Majorca, a fair bit dearer than I'd planned , she found a cheaper one origionally but this does look very good and is in a great location.

    I've slightly balanced the cost by flying from Southend and back via stansted, better times and cheaper so more cash to spend on the hotel, just need to ask dh for a lift first. I'll have another look through tripadvisor and hopefully book soon.

    Don't want to tempt fate but ds2 has mentioned he may want to go to uni next year, ive tried to suggest we could try and get him in this year but don't want to push too hard plus It still also may not be that easy, it's a bit of progress at least!
    MFW 21

    £77,580
    • AlexLK
    • By AlexLK 4th Jun 18, 11:30 PM
    • 6,105 Posts
    • 32,379 Thanks
    AlexLK
    All sounds good, NG.
    2018 totals:
    Savings £11,200
    Mortgage Overpayments £5,500
    • newgirly
    • By newgirly 5th Jun 18, 7:18 AM
    • 6,468 Posts
    • 44,988 Thanks
    newgirly
    Thanks Alex

    TUESDAY:

    * get through the day at work, I'm tired!

    * continue Paul mc kennas app daily - love be it so far , especially the night time talk

    * clean bathrooms

    * plan weekend, dh is going to a beer festival with little brother which I'll skip, may force ds2 to see the new jurrasssic world film, don't want to spend the weekend being lazy

    * hopefully sort holiday

    * Early night - ds1 at libertines concert in Camden last night, so picked him up from station late ( I know!......... did get an hour or so sleep before hand)

    *get out of bed, I'm already late
    MFW 21

    £77,580
    • newgirly
    • By newgirly 7th Jun 18, 8:08 AM
    • 6,468 Posts
    • 44,988 Thanks
    newgirly
    Holiday booked well, three night weekend away total cost £438 booking flights and hotel separately , 10% discount code and 9% tcb, it's a good deal for a pretty nice hotel, the fact it's a weekend did bump the price up but its a lot easier for best friend with the kids and her dh taking time off.

    Went out for an unplanned curry last night with friends as it was one of their birthdays and we hadn't met up last week, great evening and £30 spent which was not bad for the vast amount of food and drinks

    Back on the cheapskate bandwagon now though

    THURSDAY:

    * Spend the day with best friend chatting and doing a bit of shopping (of the sensible type - shampoo etc. Not new clothes )

    * rejig finances - door estimate as come in at £1100 incl. fitting which is not too bad, it was about £1300 online not sure whether dh will fix the front wall which needs rebuilding (it would save us £££ and he is capable just not willing )

    * washing

    * have a look at the M&S dine in deal- I've a £5 off £35 spend too, we have a friend from work staying over again Saturday for a BBQ in the evening (after he and dh spend the day at a beer festival !) it may be worth buying posh stuff with the discounts

    * Plan capsule hand luggage only holiday wardrobe - I only have three months to do this
    MFW 21

    £77,580
    • greent
    • By greent 7th Jun 18, 2:29 PM
    • 7,435 Posts
    • 75,378 Thanks
    greent
    * Plan capsule hand luggage only holiday wardrobe - I only have three months to do this
    Originally posted by newgirly
    Is this for the girly weekend, ng? - or another holiday? If it's the former then easily done, surely...? (I've done a weekend with just a big handbag! )

    I think you'd be a fab friend to have in RL, btw - lots of fun to be around! x
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/10 £104927 01/11 £89873 01/12 £76317 01/13 £52546 01/14 £35356 01/15 £12133 07/15 £NIL
    BTL Mtge 12/16 £69786. 2018 OPs (#18) £6484.71/£7500
    Net sales 2018 £713.44/£1000 PAYDOX18 (#15) Done £18918.90
    • newgirly
    • By newgirly 7th Jun 18, 3:09 PM
    • 6,468 Posts
    • 44,988 Thanks
    newgirly
    Thanks greent, what a lovely thing to say!

    I have no idea how you could go away with a big handbag I would fill the big handbag with my other handbags alone

    We did manage hamdluggage on our girly three nighter last year but it was with BA so you could also take a handbag, is year is Ryan air so just the cabin case, it will be a challenge

    Great day shopping, didn't get to marks so money saved there, I did buy a "bounce back" straw hat for holiday £4 in primarni, plus some watermelon print flip flops 90p - can't complain at those prices for a splurge.
    MFW 21

    £77,580
    • AlexLK
    • By AlexLK 7th Jun 18, 9:39 PM
    • 6,105 Posts
    • 32,379 Thanks
    AlexLK
    I spend more on lunch, NG.
    2018 totals:
    Savings £11,200
    Mortgage Overpayments £5,500
    • newgirly
    • By newgirly 7th Jun 18, 10:14 PM
    • 6,468 Posts
    • 44,988 Thanks
    newgirly
    Shhhh Alex, I often do too
    MFW 21

    £77,580
    • newgirly
    • By newgirly 10th Jun 18, 10:11 AM
    • 6,468 Posts
    • 44,988 Thanks
    newgirly
    Bleugh, heavy night!

    I collected dh and friends (from work) from the beer festival yesterday and we came back for a BBQ at ours, which moved indoors and continued until 2 am, one stayed over and one tried to walk home (it's a 20min drive ) but dh booked him an uber against his wishes a great evening though.

    Ds2 has now finished college he is doing his cv today and has heard of a job in an insurance company as security on the front desk via a friend. apparently he will spend the next year working and building a portfolio and may consider evening classes as well (im tiptoeing round the "u" word still!) I think he will consider going next year.

    Ds1 has one exam left tomorrow and then it's all guns blazing on him

    Dh and Dd have just left for Heathrow to collect her boyfriend from his week at San Francisco for work - not much work, judging by all the photos of him eating I've seen I was going to spend the day ironing but the iron has just died and dh has borrowed my car as we still don't have a van, what a pity I was really looking forward to that

    No mortgages news to report, I may do a Tilly tidy today, just to remind myself I'm supposed to be clearing the mortgage
    MFW 21

    £77,580
    • CathT
    • By CathT 10th Jun 18, 9:22 PM
    • 5,743 Posts
    • 40,218 Thanks
    CathT
    .





    No mortgages news to report, I may do a Tilly tidy today, just to remind myself I'm supposed to be clearing the mortgage
    Originally posted by newgirly

    Oct 2018 -
    part 1 - £75,530
    part 2 - £44,799
    Total - £120,329
    • newgirly
    • By newgirly 11th Jun 18, 11:06 PM
    • 6,468 Posts
    • 44,988 Thanks
    newgirly
    Hairdressers today for the first cut and colour since Xmas (ive been growing it) £111 plus tip, its a lot but is actually cheaper than I thought it would be. I feel so much better though, even best friend told dh how lucky he was to have a wife with such stunning hair! Think he would rather a wife with not very stunning hair and £111 in the bank instead

    To balance out the frivolity I've borrowed a dress for the races next week off her, I have shoes and bag already so just need to order a hat which I'll get from Amazon I think, that's a big saving as the striped dress I wanted was £130 odd in coast

    TUESDAY:

    * go to work super early, brother off so no need to pick him up

    * go to the gym

    * meet the girls for a catch up at one of their houses in the evening

    * stop eating and drinking like a big fat bloater - it's exactly one month today until dds birthday, I could get back down to my lowest WW weight in that time! I would not be at target but feel much better.
    MFW 21

    £77,580
    • newgirly
    • By newgirly 13th Jun 18, 6:56 AM
    • 6,468 Posts
    • 44,988 Thanks
    newgirly
    Oops , never made it to the gym last night

    WEDNESDAY:

    * see if ds2 and brother fancy seeing Jurassic world after work

    * check accounts

    * mop /Hoover

    Not much to report in the midweek lull!
    MFW 21

    £77,580
    • CathT
    • By CathT 14th Jun 18, 7:31 AM
    • 5,743 Posts
    • 40,218 Thanks
    CathT
    Dh and the children went to see Jurassic world and loved it. I squally watch the Jurassic films around 10 years after release!

    Have sent you a private message too.
    Oct 2018 -
    part 1 - £75,530
    part 2 - £44,799
    Total - £120,329
    • newgirly
    • By newgirly 14th Jun 18, 3:27 PM
    • 6,468 Posts
    • 44,988 Thanks
    newgirly
    Hi cath, I'm looking forward to seeing it , even a bad dinosaur film is worth watching in my book couldn't see the pm by the way, my folder was full, have deleted a few now!

    Great day out today, we bunked off WW this week and went for coffee and toast in m and s instead, way more fun I bought some posh chocolates for Father's Day and some cards.

    Back later after checking the finances
    MFW 21

    £77,580
    • michelle09
    • By michelle09 16th Jun 18, 9:35 PM
    • 822 Posts
    • 4,976 Thanks
    michelle09
    We watched Jurassic World (or Jurassic Park 5?) and it was a lot of fun. I'm always impressed when they find decent child actors.


    Sounds like a lovely day.
    • newgirly
    • By newgirly 18th Jun 18, 7:48 AM
    • 6,468 Posts
    • 44,988 Thanks
    newgirly
    Hi Michelle, I enjoyed it too!

    It's been even a fairly uneventful weekend, watched jurassic park Friday with ds2 and he took dh again yesterday.

    Tensions are running a little high at home at the moment (for me anyway!) the boys are (they say!) looking for apprenticeships and jobs but have not found anything suitable yet, dh seems fairly ok about all this and is confident they will find their own way. I'm panicking and stressed on a fairly grand scale I'm also surprised at dh's relaxed attitude, I don't think I've ever met someone who works harder than him, I thought he would be pushing them more.

    We are probably both handling it wrong to be honest, him letting them get on with it and me constantly trying to talk about it. Suffice to say I could do with a long holiday somewhere to forget about it all.

    Still on the bright side it's a day off today and the sun is shining

    MONDAY:

    * keep on top of washing/ironing

    * food mini shop

    * £1 land trip

    * gether up dds presets ready to wrap
    Last edited by newgirly; 18-06-2018 at 7:51 AM.
    MFW 21

    £77,580
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