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  • FIRST POST
    • CathT
    • By CathT 2nd Sep 10, 10:22 AM
    • 6,061Posts
    • 42,254Thanks
    CathT
    CT's attempt at being mortgage free
    • #1
    • 2nd Sep 10, 10:22 AM
    CT's attempt at being mortgage free 2nd Sep 10 at 10:22 AM
    Hi all,

    Originally came across this forum and had the idea of OP in the short term while interest rates so low but have been so inspired to make being MF a realistic goal.
    Initially was inspired by Financial Bliss's diary and then read many others taking in lots of tips and posting the occasional comment.

    So, a bit about me. Live with DH and DD (aged 2) with outstanding mortgage of just over 119,000 with about 19.5 years left on the term. We are young ish! and would hope to be MF by time i'm 40 (DH 45) so pretty much a 10 year ish plan.

    We have a fair income (about 40k joint) but have been used to living on a lot less so am hoping to direct disposable income at mortgage)

    Thanks for reading so far and I hope you will join me on my journey to keep me motivated!!
    Last edited by CathT; 20-12-2011 at 12:49 PM.
    June 2019 - part 1 - £69,271 part 2 - £43,690
    Total - £112,961 101 months to go!
Page 253
    • CathT
    • By CathT 16th May 19, 8:30 PM
    • 6,061 Posts
    • 42,254 Thanks
    CathT
    I'm still not sure where the energy came from Apple! Dh did the utility room today before I finished work.

    I went to the gym which I don't usually do on a Thursday and ended up smashing 45 minutes of heavy weights and even used the leg press for the first time. Rest day tomorrow then will be back there over the weekend.

    Couple of small food shops today and fuel for dh. Also found £1.40 in tcb so will send overpayment and transfer when it arrives, also made a 64p Tilly tidy earlier. The dribs and drabs today are adding up.

    I do need to plan ahead for next month and perhaps make some early transfers as won't be able to do it at the usual times this month.

    Plan for tomorrow and the weekend is to eat from the freezer/cupboards and limit spends. We shall see how successful that plan turns out!

    May spends

    Supermarket £116.11
    Fuel £45.04
    June 2019 - part 1 - £69,271 part 2 - £43,690
    Total - £112,961 101 months to go!
    • CathT
    • By CathT 18th May 19, 8:04 AM
    • 6,061 Posts
    • 42,254 Thanks
    CathT
    Good morning. Busy day planned here. Had hoped to be in the gym for around 8am but woke up at 8:15! Just having my first coffee, will have another with a pre-workout snack of crumpet and lemon curd and get on my way. Plan to pop to h0me b@rgains on way back to splash out on the lovely h@waiaan tropic subcream, google tells me it's a bargain there. We need to pack later as off on holiday next week.

    Spends seem to be well controlled this month and we are going to eat out of the freezer the next few days. Just need to pick up some sausages to go with a bag of potatoes that need using and we're pretty much sorted.

    Took advantage of a deal for a local aquarium today we have never been to as it's an expensive and friends tell me it doesn't last long. However, managed to get children's entry for £1 each so we will go there at the end of half term.

    I also possibly need to step away from 3bay as buying several bargains at the moment but it's becoming a bit of a habit. Two parcels have arrived already this morning!!

    May spends

    Supermarket £118.56
    Fuel £45.04
    June 2019 - part 1 - £69,271 part 2 - £43,690
    Total - £112,961 101 months to go!
    • CathT
    • By CathT 18th May 19, 9:39 PM
    • 6,061 Posts
    • 42,254 Thanks
    CathT
    Today has been very productive. Had a brilliant gym sessions this morning and increased all my weights as well as introducing myself to chin ups and dips. Loved it but my back is still feeling it!

    House almost cleaned top to bottom, I just need to do bathroom and shower room tomorrow so it's all looking and smelling very fresh.

    Popped to @ldi and got a couple of garden items using my birthday money. Should probably be classed as household spends but I think I'll appreciate them more than anyone else so classing them as gifts.

    28p Tilly tidy and accounts looking good. Will get on laptop tomorrow to do necessary spreadsheet updates and work out what needs paying/transferring early next week.

    Plan for tomorrow is gym, quick food shop and meal plan for early part of the week. I would like to sit and enjoy the garden but can't see it being sunny enough for that. I will settle for being able to line dry my washing!

    May spends

    Supermarket £136.97
    Fuel £45.04
    Last edited by CathT; 19-05-2019 at 11:02 AM.
    June 2019 - part 1 - £69,271 part 2 - £43,690
    Total - £112,961 101 months to go!
    • CathT
    • By CathT 20th May 19, 7:09 AM
    • 6,061 Posts
    • 42,254 Thanks
    CathT
    Good morning!

    Trying to be productive before work. Dishwasher emptied, one load of laundry washed and now blowing on the line, 70p Tilly tidy and other accounts checked. Shower room floor mopped and mopped floor in family area. Will do kitchen once children on their way out of the house and mop it behind me!

    We seem to have a surplus in the food account safely accounted for! Payday in a few days and both accounts nicely in credit which sets us up strongly for next month. Have mostly just made Tilly tidies throughout May as expected an expensive month but good progress has been made.

    Must dash, have a great day everyone!
    June 2019 - part 1 - £69,271 part 2 - £43,690
    Total - £112,961 101 months to go!
    • apple muncher
    • By apple muncher 20th May 19, 6:26 PM
    • 8,929 Posts
    • 68,840 Thanks
    apple muncher
    If I ever tried to mop the floor behind me, I'm pretty sure that with the final swish, I'd knock the bucket of water over... And that's why I don't mop!!!
    NST June ninja #1; NSD 19/16; Ex 19/30; craft (19); remove 3 bagfuls (28)

    Mortgage £16,231 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143; 01/19: 18.275) MFWDate???
    • CathT
    • By CathT 20th May 19, 10:12 PM
    • 6,061 Posts
    • 42,254 Thanks
    CathT
    Haha Apple, thankfully it was a success.

    Bit of a spendy day as the car service was £128. Dh popped to primarni for some bargains and I've got a couple of items to return to Mr S tomorrow. Also had a manicure done after work so have pretty holiday nails.

    Had some sugar cravings and fatigue today. Gave into the sugar (not terribly but had a couple of bowls of all-bran fruit and yoghurt I didn't need) have definitely overeaten but pushed myself and have done over my 10k steps. Self sabotage is my nemesis and I'm hoping not to undo all my efforts this week.

    Daily clicks done so 30p earned towards the mortgage!
    June 2019 - part 1 - £69,271 part 2 - £43,690
    Total - £112,961 101 months to go!
    • CathT
    • By CathT 20th May 19, 10:14 PM
    • 6,061 Posts
    • 42,254 Thanks
    CathT
    May spends

    Supermarket £138.97
    Fuel £45.04
    June 2019 - part 1 - £69,271 part 2 - £43,690
    Total - £112,961 101 months to go!
    • CathT
    • By CathT 29th May 19, 7:20 PM
    • 6,061 Posts
    • 42,254 Thanks
    CathT
    Good evening. Well we are all back from a fabulous week on the subshine. Bit of a shock coming back to rain after basking in 35 degree heat yesterday. We had a fab time, did a day trip (long and tiring but worth it) water sports and soaked up all the memory making. Spent more than planned but I wasn't scrimping whilst on holiday and we work hard for it.

    That said, came home to see a £4.60 bank account credit from cashback so have overpaid that and done the money shuffle. Dh gets paid tomorrow so once I've sent the rest of the payments I'll work out what we need to last until our next paydays. Hopefully getting paid whilst away will help with the next countdown.

    Haven't quite managed to stay under £150 food budget for the month but I'm still pretty happy.

    May spends

    Supermarket £151.82
    Food £45.04
    June 2019 - part 1 - £69,271 part 2 - £43,690
    Total - £112,961 101 months to go!
    • Moneyfordreams
    • By Moneyfordreams 30th May 19, 12:46 PM
    • 1,314 Posts
    • 6,437 Thanks
    Moneyfordreams
    glad to hear you've had a lovely holiday
    Mortgage restart June 2018 £119950
    May 19 mortgage £111600, £4700cc, £6000, £1400, car £6550.
    • twinklie
    • By twinklie 30th May 19, 4:36 PM
    • 4,186 Posts
    • 11,000 Thanks
    twinklie
    Cath you need to teach me how you spend so little on supermarket spends/food. My bills have gone through the roof. At some point I've really taken my eye of the ball, I'm actually quite ashamed of the amount we've been spending.
    Daily mortgage interest June'19 - £16.06 Reduction in daily interest - £0.39
    % of house owned/% of mortgage paid off.
    June'19 - 12.6%/2.60%
    MFiT-T5 #13
    Aim to be debt free by the end of 2019. % remaining May'19 - 56.5%
    • CathT
    • By CathT 30th May 19, 9:06 PM
    • 6,061 Posts
    • 42,254 Thanks
    CathT
    Thanks mfd, we are all still shattered.

    Twinklie we seems to have reduced them a lot over the last couple of months but have just avoided the supermarket really. We don't eat a lot of meat as a family which I think helps keep costs down. I also waste nothing so I'll personally have random meals to avoid waste.

    95p spent on mushrooms as I fancied an omelette for dinner. I ended up with porridge as was later back as went to the gym. That wasn't fun after over a week off but I'm glad I went.

    Also managed to sit in the sun for 20 minutes after work reading my book with a herbal tea which was relaxing after a busy day. It almost felt like being on holiday!!
    May spends

    Supermarket £152.77
    Fuel £55.04
    June 2019 - part 1 - £69,271 part 2 - £43,690
    Total - £112,961 101 months to go!
    • debtfreeoneday
    • By debtfreeoneday 31st May 19, 4:11 AM
    • 2,945 Posts
    • 10,109 Thanks
    debtfreeoneday
    Glad you had a lovely break!
    DFW (08/08) £64,346.53 Gone for good (02/19)
    MFW (01/15) £83,605.58
    • newgirly
    • By newgirly 31st May 19, 5:26 AM
    • 6,750 Posts
    • 46,933 Thanks
    newgirly
    Glad you had an great holiday Cath, and wow to those food spends!
    MFW 21

    £72,866.48 left target £10k/ £6,133.52 in 2019
    • twinklie
    • By twinklie 31st May 19, 7:50 AM
    • 4,186 Posts
    • 11,000 Thanks
    twinklie
    Right Iím really going to try harder with the food spends I think. We do eat quite a lot of meat. We donít have a butchers, or greengrocer anymore so supermarkets are kind of it for us.

    I have a weird need to buy my own food, so internet shopping doesnít really work for me.
    Daily mortgage interest June'19 - £16.06 Reduction in daily interest - £0.39
    % of house owned/% of mortgage paid off.
    June'19 - 12.6%/2.60%
    MFiT-T5 #13
    Aim to be debt free by the end of 2019. % remaining May'19 - 56.5%
    • CathT
    • By CathT 31st May 19, 8:03 PM
    • 6,061 Posts
    • 42,254 Thanks
    CathT
    Thanks everyone. I don't expect June spends to come in under £250 as we have run out of so many things, however we will try!

    Small spends of £1 on cereal bars and £20.05 fuel for dh. He must get distracted as always goes over!

    All holiday washing done with just one basket left to put away. £15 spends at the cinema for a treat for the children as dd had her piano grade one exam today and played really well. She is very proud of herself and I am of her.

    Watered and fed the plants after work as it's a lot more colourful than before we went away. Lawn needs cutting tomorrow and I'd like a chance to finish my book whilst topping up my tan.

    An early start may be needed as need to go to the gym and do a good shop!

    Pleased with our total spends, the challenge will be to find that theoretical £275 that should be left in the account!

    May spends

    Supermarket £153.77
    Fuel £75.09

    Total £228.86
    June 2019 - part 1 - £69,271 part 2 - £43,690
    Total - £112,961 101 months to go!
    • debtfreeoneday
    • By debtfreeoneday 1st Jun 19, 7:31 PM
    • 2,945 Posts
    • 10,109 Thanks
    debtfreeoneday
    Lawn is on our to do list tomorrow - Garden has just sprung into colour the last week or so!
    DFW (08/08) £64,346.53 Gone for good (02/19)
    MFW (01/15) £83,605.58
    • CathT
    • By CathT 2nd Jun 19, 8:28 AM
    • 6,061 Posts
    • 42,254 Thanks
    CathT
    Ours didn't get done debtfree as it rained. We are definitely north of the sunshine this weekend and it has just started raining again. I wasn't going to go to the gym today as felt really unwell yesterday (appear to have brought a cold home from holiday) but I have been up for hours and have perked up a little. I've just had some crumpets and lemon curd, made an other coffee and then I'll get ready to go.


    Small food shop yesterday so have made an early start on June spends whereas I prefer to delay it for a few days


    No great plans today, planning a lazy day as we are all still exhausted. Took children out to an aquarium yesterday (had reduced tickets so cost £41 instead of £64) which was great but still an expensive day out. Already spent £50 this morning on a deposit for another residential trip for dd and will drip feed money across to it as still about £200 to pay by September


    June spends


    Supermarket £44.37
    Fuel £30
    Last edited by CathT; 03-06-2019 at 6:21 PM.
    June 2019 - part 1 - £69,271 part 2 - £43,690
    Total - £112,961 101 months to go!
    • CathT
    • By CathT 3rd Jun 19, 6:28 PM
    • 6,061 Posts
    • 42,254 Thanks
    CathT
    A busy day here. DH has a bug so been out of action. I came home from work and got 2 lodas of washing in, re-made the bed and cut both the lawns as rain forecast. Also tidied up some plant pots and moved some firewood we have been given for our outdoor fire basket (just need some BBQ weather to enjoy it). Managed to get it all done before a few spots of rain landed.



    Leftovers for the children for dinner, dh has eaten nothing and I used up some random bits of food for mine.


    Hoping to wake up to a completely well household tomorrow!
    June 2019 - part 1 - £69,271 part 2 - £43,690
    Total - £112,961 101 months to go!
    • CathT
    • By CathT 5th Jun 19, 7:00 AM
    • 6,061 Posts
    • 42,254 Thanks
    CathT
    Quietly plodding through the week. Didn't make it to the gym yesterday as I've been full of cold. Will try again this evening!

    Keeping up with tcb daily clicks where I can and Tilly tidies. 92p yesterday and 66p this morning. All accounts looking ok. Dh has lost a few days pay but as it's a 5 week month it should all balance out so not going to worry about it. Food shop also being done later, I've made a list so hoping dh doesn't add too many extras!

    June spends

    Supermarket £47.70
    Fuel £30
    June 2019 - part 1 - £69,271 part 2 - £43,690
    Total - £112,961 101 months to go!
    • debtfreeoneday
    • By debtfreeoneday 5th Jun 19, 11:48 AM
    • 2,945 Posts
    • 10,109 Thanks
    debtfreeoneday
    Hope you are feeling better, our lawn didn't get done and still isn't done!
    DFW (08/08) £64,346.53 Gone for good (02/19)
    MFW (01/15) £83,605.58
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