Wishing on an ickle star

After lurking on other peoples diaries for a year I've decided to see if having my own diary will make a difference!

Our circumstances have changed over the last few months which is making overpaying a whole lot more tricky but that's part of the fun....isn't it? I'll explain more about that later I'm sure - don't want to bore any readers in my first post!!! :o

My dream would be to pay off our mortgage by my DH's next big birthday (Sept 2018) but that would mean working some miracles so I'm looking towards mine instead (Aug 2020)!

Hopefully with help from all of the other lovely MFW's on here and some of the amazing diaries I am subscribed to that target will be hit!

Wish me luck!!

ickle
Total OPs 2012 - 2019 £39744.75
Target 2020 £18500/£18500
01/05/2020 MORTGAGE FREE
MFiT-T4 #03 MFW2019 #3
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Comments

  • fothers365
    fothers365 Posts: 269 Forumite
    Good Luck!

    I have just started lurking on these boards after having a LBM about our mortgage and have just arranged on line access to our mortgage account so we can start to do OP.

    I will subscribe and watch with interest!
    Jan 2013-£140,231.65
    Jan 2014-£120,081.94
  • icklehelen
    icklehelen Posts: 355
    First Anniversary First Post PPI Party Pooper
    Forumite
    Hi Fothers :wave: Thanks for subscribing!

    Really busy week for me but looking forward to April when things calm down at work!

    Things I must do this week:
    - sort out home broadband/telephone package and pay line rental up front
    - decide what to do with personal pension (this may take longer than a week!)
    - arrange for my dad to have DD one day next week so I can go car shopping :D
    - money shuffling and update spreadsheets
    - get packaging sorted for the eb@y items that are selling
    - try and find some me time . . . .(not holding my breath for this one) :(

    ickle
    Total OPs 2012 - 2019 £39744.75
    Target 2020 £18500/£18500
    01/05/2020 MORTGAGE FREE
    MFiT-T4 #03 MFW2019 #3
  • Hi Ickle, good luck with your plans. Having a diary is a HUGE help in terms of retaining focus. Loads of people will stop by and support you.

    Best wishes Tilly
    2004 £387k 29 years - MF March 2033:eek:
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15 :j
  • Hi Ickle, welcome on board.
    Best of luck with your challenge!
    Thistle
    Mortgage at end 05/2007: £90200
    Mortgage at end 08/2018: £71646 paid £18354 (20.5%)
    MFD: :eek:Original:05/2042:eek:
    Car Finance: £8225 : £6392 (22.2% paid off)
    CC Debt (0% until 06/2020): £5640 : £4400 (21.7% paid off)

    Age of Money at 31/08/2018 = 23 days

    YNAB is changing the way I live my life....and spend my money!!
  • icklehelen
    icklehelen Posts: 355
    First Anniversary First Post PPI Party Pooper
    Forumite
    Thanks Tilly and Thistle - all help and encouragement will be greatly appreciated!!! I hope this diary will help me focus more - although just lurking on the boards over the past year has been amazing. :T

    Things I must do this week:
    - [STRIKE]sort out home broadband/telephone package[/STRIKE] and pay line rental up front
    - [STRIKE]decide what to do with personal pension (this may take longer than a week!)[/STRIKE]
    - [STRIKE]arrange for my dad to have DD one day next week so I can go car shopping :D[/STRIKE]
    - money shuffling and update spreadsheets TONIGHT
    - get packaging sorted for the eb@y items that are selling
    - try and find some me time . . . .(not holding my breath for this one) :(

    Quite happy with what I've managed today. Also been to @ldi for this weeks shop (with newspaper vouchers) - looked like the predicted snow has caused some panic buying as milk was non existant!! S&S done ready for upload later.

    Ebay - 12 items listed, 3 selling, 4 more being watched - fingers crossed there'll be some more activity before Saturday afternoon :D

    Hope the snow doesn't cause anyone too many issues over the weekend!!

    ickle
    Total OPs 2012 - 2019 £39744.75
    Target 2020 £18500/£18500
    01/05/2020 MORTGAGE FREE
    MFiT-T4 #03 MFW2019 #3
  • fothers365
    fothers365 Posts: 269 Forumite
    Well done, it looks like you are really getting organised. I just noticed your are in Sheffield, I am just down the road from you. OH works in Sheffield and is wondering whether he should work from home tomorrow in case there is train chaos with the predicted weather!

    We have organised a lot of spreadsheet things the last few months, they are quite addictive aren't they? I wish I was better at making them up though to suit exact needs. I am really considering starting a diary too to keep me on track. Reading everyone else's is so inspirational.

    Good luck!
    Jan 2013-£140,231.65
    Jan 2014-£120,081.94
  • TwinnyD
    TwinnyD Posts: 238
    Mortgage-free Glee!
    Forumite
    Hi, nice to see you've started a diary :) Hope you've had a fun evening with your spreadsheets and money shuffling :D
  • icklehelen
    icklehelen Posts: 355
    First Anniversary First Post PPI Party Pooper
    Forumite
    Quick update before sleeping-smiley-face.gif

    -[STRIKE] money shuffling and update spreadsheets TONIGHT[/STRIKE] :D

    Noticed (thanks to doing the above job) that my £62.25 DD OP has gone (this rounds up our mortgage payment to a nice round £500 every month)

    Off to update MFW2013!!

    ickle
    Total OPs 2012 - 2019 £39744.75
    Target 2020 £18500/£18500
    01/05/2020 MORTGAGE FREE
    MFiT-T4 #03 MFW2019 #3
  • icklehelen
    icklehelen Posts: 355
    First Anniversary First Post PPI Party Pooper
    Forumite
    Lots of snow here so meetings cancelled and I get a day at home (not meant to work Fridays anyway :D)

    So plans for today:
    - sort DD clothes and box up the outgrown (can't complain she's getting a LOT of wear out of clothes as she's 20 months and just going into 9-12 month)
    - Washing (should really strip wash the nappies too :undecided)
    - Quick kitchen clean
    - Quick bathroom clean

    Hope everyone is keeping safe and warm

    ickle
    Total OPs 2012 - 2019 £39744.75
    Target 2020 £18500/£18500
    01/05/2020 MORTGAGE FREE
    MFiT-T4 #03 MFW2019 #3
  • icklehelen
    icklehelen Posts: 355
    First Anniversary First Post PPI Party Pooper
    Forumite
    Well the plans for today didn't go very well - none achieved :o but...

    Things I must do this week:
    - [STRIKE]sort out home broadband/telephone package and pay line rental up front[/STRIKE] really pleased with the amount we'll be paying overall this year
    - [STRIKE]decide what to do with personal pension (this may take longer than a week!)[/STRIKE]
    - [STRIKE]arrange for my dad to have DD one day next week so I can go car shopping [/STRIKE] This may have to change thanks to the snow :(
    - [STRIKE]money shuffling and update spreadsheets TONIGHT[/STRIKE]
    - get packaging sorted for the eb@y items that are selling
    - [STRIKE]try and find some me time . . . . [/STRIKE] :j A long soak in the bath (had to share with DD first mind!) followed by snuggling in front of the tv with in my pjs with a hot chocolate and mini marshmallows

    ickle
    Total OPs 2012 - 2019 £39744.75
    Target 2020 £18500/£18500
    01/05/2020 MORTGAGE FREE
    MFiT-T4 #03 MFW2019 #3
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