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    • wishingthemortgaheaway
    • By wishingthemortgaheaway 13th Jul 17, 6:39 PM
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    wishingthemortgaheaway
    Taking it slowly, but doing it well.
    • #1
    • 13th Jul 17, 6:39 PM
    Taking it slowly, but doing it well. 13th Jul 17 at 6:39 PM
    Good evening all,

    I'm rejoining this thread and you lovely people after a break of a few years.

    I've got a new user name, but only because I can't get back into my old account. (My old diary was called 'Today is not a NSD'

    I've kept the start of my username the same, so it's still a big wave hello from me, Wish.

    A quick (I promise) update from me.

    I'm about to turn 35 (still wish I was 25)

    I now have a 1 year old little boy - Pickle

    I'm currently on extended maternity leave/career break/unemployed (I took the statutory maternity pay from my high pressured, long hours, no social life job, handed my notice in whilst on mat leave and , because I didn't take any occupational maternity pay, I didn't have to repay any money. )

    Husband is still a freelance audio visual engineer in the entertainments industry

    Still in our 2 bed Victorian terrace, which we still love.

    We still want to be mortgage free, but it's going to take a little longer than we thought when I was last here.

    So, why am I back?
    I need some motivation and some accountability, need to get back on the no spend days. Need to curb some bad financial habits that have crept back in.
    Need to lose some weight - nsd will help by no cake shop stops or treats from the discount supermarket at the end of the road.

    I'm at the end of my maternity savings.

    When I found out I was pregnant I stopped overpaying the mortgage and diverted all that cash into a maternity leave 'fund' to that I added my statutory maternity pay as it came in, 5k from an inheritance and a 5k gift from my parents.
    The total of those savings have allowed us to live as we were for 15.5 months without hubby having to contribute anymore to our household expenses than he had previously.

    I am very pleased with what we have achieved. But, that 'half month' is August and then the money is gone, I have no income and we will have to manage on hubby's self employment earnings.

    I am meant to be applying for agency work, in my field, for 3 days a week from September. It's not happened yet due to hubby being run off his feet with work. I'm not worried about this, I will sort it when I can.

    We have no debts, other than our mortgage (which currently stands at just less than 37k and has 12years 3 months left to run)

    We receive child benefit, but nothing else (previous warnings have been too high to receive tax credits or anything else)
    We have no family living nearby, so will need to pay out for childcare come September for 3 days a week, as I'll be agency and hubby is self employed we can't get childcare vouchers, but should be able to open one of the new tax free childcare accounts saving us 20% on childcare costs, which will be around 120 a week.


    This is what I already do:

    YNAB all my accounts - this is how I've managed to have 15 months off work
    Use ynab to save for all annual bills, overpaying each section so I have a little bonus when it comes to paying the bill

    Meal plan & cook from scratch

    Try not to spend too much on things for Pickle, and try to sell on things he has finished with (this has had mixed success)

    I'd love to have your support as I attempt to pay off the mortge earlier than planned. I'm aiming, from August, to overpay the same amount as the interest added to the account. This isn't much, but it's a realistic challenge given out current circumstances.

    Thank you for reading

    Wish.
Page 47
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 20th Jul 19, 10:08 PM
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    wishingthemortgaheaway
    Late check in tonight, have been doing a jigsaw puzzle all evening because I am pretty bored.

    When my friend is up here next week, I am the one going to the pub every night and hubby can stay home!

    Spends today on:

    Breakfast rolls for family & some of hubby's team who've done him a favour.
    Milk
    Lunch out with friends for Pickle and I
    Sweets from the proper sweet shop
    Tilly tidies
    Money to the 'emergency toilet fund' (think this is pretty well funded now, will check amount tomorrow)
    Shrapnel to the change pot.

    Total spend today: 38.50.


    Money for tomorrow:
    Cash in purse: 19.50
    Unused allowance in bank: 30
    Tomorrow's allowance 25

    Total: 74.50
    Outstanding mortgage: 27,000
    MFW 2019 Challenge Member #28: 800.something/ 2860
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 21st Jul 19, 7:31 PM
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    wishingthemortgaheaway
    Here goes for today.....

    Spends:
    Bread
    Tunnocks teacakes
    Hair clips
    Ice cream.
    Tilly tidies
    Shrapnel clear out

    Total spends: 11

    Money for tomorrow:
    Cash: 10.50
    Unused allowance in bank: 53
    Tomorrow's allowance: 25

    Total: 88.50
    Outstanding mortgage: 27,000
    MFW 2019 Challenge Member #28: 800.something/ 2860
    • Karmacat
    • By Karmacat 21st Jul 19, 9:07 PM
    • 32,124 Posts
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    Karmacat
    Tunnocks teacakes! Bliss
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 21st Jul 19, 9:36 PM
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    wishingthemortgaheaway
    Tunnocks teacakes! Bliss
    Originally posted by Karmacat
    I know, but one huge sticky mess as far s Pickle is concerned.
    Outstanding mortgage: 27,000
    MFW 2019 Challenge Member #28: 800.something/ 2860
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 22nd Jul 19, 6:39 PM
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    wishingthemortgaheaway
    Evening all,

    Quite a spendy day today.

    I've looked through the meal plan and I also felt we needed to vary lunch things a bit, so I've bitten the bullet and done another online supermarket delivery for tomorrow. I just can't cope with the prices of the spensive supermarket here. 45 ish, but tops us up on lots of fresh stuff and some treats to keep us going.
    This meant that my spensive supermarket shop for today and tomorrow was less than 6.

    One of our favourite (but not cheap) independent shops had some children's pjs on half price (11.25 still, but it's as 'designer' as we get) I could take this out of the Christmas money, but for now it's coming out of my special fund for these weeks away

    We also noticed today that pickle's bike helmet really is too small, so we went to the specialist shop in the town here (with an excellent reputation) and bought him a new one - 30. Ouch again, but I won't skimp on safety and his other really was too small. I could probably sell the small one on, but we have a friend here who would probably appreciate it for her little one - so I will offer it to her first, then I don't have to drag it home with me. (This could have come from Pickle's own money, but hey, he's on holiday)

    Tilly tidies made too.

    All this means I have well and truly overspent today.
    92.70 is my total spend. This means that tomorrow needs to be a lean day:

    Cash in purse: 10.50
    Unused allowance in bank:0
    Tomorrow's allowance: 10 (15 overspend today taken into account)

    Total: 20.50

    That isn't actually too bad, if we keep spends down tomorrow especially as the supermarket order is coming in the evening with some treats for me in it!
    Outstanding mortgage: 27,000
    MFW 2019 Challenge Member #28: 800.something/ 2860
    • Karmacat
    • By Karmacat 23rd Jul 19, 8:38 AM
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    Karmacat
    You're doing so well on holidaying within your means. Hope you're having a nice time too. It certainly sounds like Pickle is
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 23rd Jul 19, 3:50 PM
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    wishingthemortgaheaway
    You're doing so well on holidaying within your means. Hope you're having a nice time too. It certainly sounds like Pickle is
    Originally posted by Karmacat
    Thanks Karma, it's not really a holiday, it's 'hubby working on a long contract and they house is too' but we are doing some holiday type things - ice cream mainly.
    Pickle is having a fab time, but he is VERY tired - and not sleeping beyond 5:30 each morning, which is not helpful to my sleep levels.

    Low spend day today (phew!)
    Spensive supermarket - something for tea tonight (shopping not arriving until this evening) and some essential toiletries that wouldn't wait even until the shopping arrives.
    I got a 2 coin in my change, so that's being saved and some shrapnel IMO the change pot.

    Total spend today: 8.50.

    Money for tomorrow (work in the morning & free cinema in the afternoon)

    Cash in purse: 2
    Unused allowance in bank: 10.30
    Tomorrow's allowance: 25

    Total: 37.30 (will probably Tilly tidy the 30p though...)
    Outstanding mortgage: 27,000
    MFW 2019 Challenge Member #28: 800.something/ 2860
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 24th Jul 19, 4:52 PM
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    wishingthemortgaheaway
    Even lower spend today (so far)

    1 spent... on popcorn from the local independent cinema where I took Pickle for a special free showing of life of pets 2 this afternoon. Put on by the organisers of the event hubby is working at. Pickle loved it, but he is still exhausted - is he just going to be tired for the whole of '3' (years old)?
    I've done a tilly tidy of that random 30p.

    So: money for tomorrow

    Cash in purse: 1
    Unused allowance in bank: 35
    Tomorrow's allowance: 25
    Total: 61

    I may go down to the book shop this evening as there are a couple of books I'd like and a couple I'd like to get Pickle - maybe I'll put them away for the festivities later in the year.

    Need to sort Mum's birthday present too.

    Have a good evening everyone.

    Wish.
    Outstanding mortgage: 27,000
    MFW 2019 Challenge Member #28: 800.something/ 2860
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 25th Jul 19, 11:43 PM
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    wishingthemortgaheaway
    Late check in tonight as I've been out for drinks with the other tech wives - my only night out in weeks. 15.60 on a round of drinks spent. Tilly tidies made.

    So: money for tomorrow:

    Cash in purse: 1
    Unused allowance in bank: 18
    Tomorrow's allowance: 25

    Total for tomorrow 44.

    I want to take Pickle on the open top bus around the lake tomorrow so bus fair and ice cream money needed, will take a packed lunch with us.

    It's too hot to sleep. No breeze at all.
    Outstanding mortgage: 27,000
    MFW 2019 Challenge Member #28: 800.something/ 2860
    • Karmacat
    • By Karmacat 26th Jul 19, 8:06 AM
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    Karmacat
    Open top bus sounds wonderful, just the thing. I found sleeping last night difficult too, hottest so far - I confess, I kept my oscillating fan on all night. Enjoy the bus!
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 26th Jul 19, 6:00 PM
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    wishingthemortgaheaway
    The open top bus was not exciting for me, but, I am not 3. The three year old was very impressed and, as he was so excited and did lots of running around he's already asleep.

    Spends today:
    Bus fayre (actually really expensive for what is what, but Small was happy)
    Ice cream (must stop this when we get home!)
    A kickstarter payment for something for Pickle cleared that I could have sworn we put on hubby's card, but obviously not.

    And that's it, so tomorrow's money:

    Cash in purse: 6 (took cash out of bank this morning)
    Unused allowance in bank: 13
    Tomorrow's allowance: 25

    Total: 44

    Will need to do some market fresh stuff tomorrow and did want to take Pickle out for Breakfast, but I think we may eat from home and see how we get on in the week.

    Have a good evening and I hope it's cooler everywhere.

    Wish.
    Outstanding mortgage: 27,000
    MFW 2019 Challenge Member #28: 800.something/ 2860
    • Busy Mee1
    • By Busy Mee1 27th Jul 19, 6:46 AM
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    Busy Mee1
    It sounds as if you and Pickle are having a lovely time. I bet when he he grown up he will remember these weeks away every year with Dad's job as very happy memories.
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 27th Jul 19, 6:50 AM
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    wishingthemortgaheaway
    It sounds as if you and Pickle are having a lovely time. I bet when he he grown up he will remember these weeks away every year with Dad's job as very happy memories.
    Originally posted by Busy Mee1
    I hope so Busy, although this could be the last year we do it as the contracts are up for renewal, so hubby may not be awarded it again - which is really sad.
    If the contract is renewed we will have 1 more year of coming up for 3 weeks, after that we will only be able to come up once school finishes for the summer.
    Outstanding mortgage: 27,000
    MFW 2019 Challenge Member #28: 800.something/ 2860
    • Busy Mee1
    • By Busy Mee1 27th Jul 19, 6:54 AM
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    Busy Mee1
    Aw well fingers crossed he gets his contract renewed and it continues. Have you plans in mind if it doesn't ( both work wise and holiday wise) ?
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 27th Jul 19, 8:41 AM
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    wishingthemortgaheaway
    Aw well fingers crossed he gets his contract renewed and it continues. Have you plans in mind if it doesn't ( both work wise and holiday wise) ?
    Originally posted by Busy Mee1
    Holiday wise - that's easy, we will book a family holiday in advance, rather than trying to squeeze it in Round this job and the one that starts mid to end of August, so that would be a positive, especially when we are really tied to school hols by Pickle being at school.

    Work wise, due to the fact this is a 35 day 'bulk' contract which has quite a big discount, he only needs to replace it with 21 days of corporate work over the rest of the year. So doable, but not guaranteed.
    Outstanding mortgage: 27,000
    MFW 2019 Challenge Member #28: 800.something/ 2860
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 28th Jul 19, 6:00 PM
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    wishingthemortgaheaway
    Evening all, I didn't update yesterday, absolutely exhausted and I can't really remember what I spent - Saturday market etc. Still, all is looking ok financially at the moment.

    Today Pickle conquered his first Wainwright - probably the lowest and one of the easiest (368m) but,
    He tackled it from the ground to the top and back to the ground again, we didn't cheat and drive up to the car park that's about 10-15minutes from the summit.
    He is shattered! He walked the entire distance, I did take the sling, but it was too hot to sling him, so he did just have to walk. My phone says we've walked about 7 miles today, not too sure how accurate that is though.

    Only spends has been on an ice cold drink & ice cream when we got back to the cafe in the park at the bottom.
    I'm not sure either of us will be walking well in the morning.

    Money for tomorrow:
    Cash in purse: 1
    Unused allowance in bank: 45
    Tomorrow's allowance: 25

    Total:71

    I think, after today, tomorrow is going to be a lazy day, although I do have to go to the post office to post my mum's present and card first thing.

    Have a good evening everyone.
    Outstanding mortgage: 27,000
    MFW 2019 Challenge Member #28: 800.something/ 2860
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 31st Jul 19, 5:59 AM
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    wishingthemortgaheaway
    Morning all, it's getting a bit crazy here now. The get out is starting to be planned and people are starting to feel like it really is time to go home.

    Spends yesterday were croissants for breakfast and cakes for a bring and share lunch so the financials for today are:

    Cash in purse: 8 (I think, not got my purse near to check)
    Unused allowance in bank: 52
    Today's allowance: 25

    Total:85

    I'm working this morning, not sure of afternoon plans, but I should carry quite a sum over to tomorrow.

    Mortgage overpayment this month was 180.70 with the capital reducing by only 400, rather than the 500 I've been managing recently.

    We had a boiler scare earlier in the month, so feel we need to divert money towards a possible replacement.
    There is enough money in the emergency fund if we need to do it now but, as the ef is for unforeseen emergencies and this one is now 'forseen,' we need to reduce the impact on the ef if it does go. So, I'm diverting 100 a month to this.

    I've also had significantly reduced expenses and overtime this month as I've only done 1 day's overtime and my only travel was to a local setting.

    Work on the house this month has been: more plastering and the installation of an outside tap (as well as the plumbing issues)

    Work that should happen in August:
    Decorating
    Fix the shower
    Sand & seal dining room floor
    Carpet living room floor.

    I suspect the mortgage will take a back seat again....

    Wish.
    Outstanding mortgage: 27,000
    MFW 2019 Challenge Member #28: 800.something/ 2860
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 31st Jul 19, 11:39 PM
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    wishingthemortgaheaway
    Evening/ morning all.

    Spends today:
    Slight top up shop
    Change thrown in the pot.

    Money for tomorrow.

    Money in purse: 2
    Unused allowance in bank: 77
    Allowance for today: 25

    Total: 104 - looking good! Should have some money left over to divert elsewhere at the end. Today (Thursday) plus 2 more days to go.....
    Outstanding mortgage: 27,000
    MFW 2019 Challenge Member #28: 800.something/ 2860
    • Karmacat
    • By Karmacat 1st Aug 19, 8:47 AM
    • 32,124 Posts
    • 189,728 Thanks
    Karmacat
    Hope your time away finishes on a high note for you. And Pickle
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 1st Aug 19, 8:50 AM
    • 2,319 Posts
    • 12,724 Thanks
    wishingthemortgaheaway
    Hope your time away finishes on a high note for you. And Pickle
    Originally posted by Karmacat
    Thank you Karma, this made me giggle as we are making plans to take Pickle over to hear the band on the last night. It involves military planning of ensuring enough sleep and energy and minimising the risks of tired tantrums.
    So yes - it should end on a high note!
    Outstanding mortgage: 27,000
    MFW 2019 Challenge Member #28: 800.something/ 2860
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