Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • newgirly
    • By newgirly 15th Apr 10, 11:02 PM
    • 6,224Posts
    • 42,988Thanks
    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







    This Forum Tip was included in MoneySavingExpert's weekly email

    Don't miss out on new deals, loopholes, and vouchers

    Last edited by newgirly; 16-03-2012 at 12:47 PM.
Page 316
    • newgirly
    • By newgirly 12th Mar 17, 8:55 AM
    • 6,224 Posts
    • 42,988 Thanks
    newgirly
    Gosh I needed that lie in

    Today's to do list:

    Do some work from home for dh

    Try and locate something smart to wear for a business meeting for a possible new client, dh wants me to go with him this week. Don't actually think I have anything suitable, Dd has loads but is a size 6-8 so that's a no go

    Cook a roast

    Cook some more tarka dahl

    Do even more washing

    Watch bates motel, still not seen last Mondays episode

    Buy milk

    Go to cinema to see kong if dh comes home early and is not too tired.

    Change our bed sheets , the rest of the house is already done but mine HAVE to be done on a Sunday

    Email eBay seller about dodgy boots
    MFW 21
    Target for 2018 £40k/£9,626 paid so far

    Mortgage £39,159.44 -4yrs 2 mths left. Total owed £52,364 plan to clear in 14 months
    • Kittenkirst
    • By Kittenkirst 12th Mar 17, 12:15 PM
    • 1,858 Posts
    • 10,002 Thanks
    Kittenkirst
    Hope that you are driving through your to do list NewGirly!

    I'm quite behind on Bates Motel but really enjoying it.

    PS I hope the dhal and the roast aren't both for supper today? Although that does sound like my dream day ;P
    2018 MFW #20 - OP £895.56/ £3000 30%
    Jan: £417.42 Feb: £260.14 Mar: £218

    Emergency fund £4K/ £6k
    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    Overpayments 2016 £255.50 2017 £2600.40
    • greent
    • By greent 12th Mar 17, 12:34 PM
    • 6,919 Posts
    • 70,780 Thanks
    greent
    I seem to remember you invested in a navy/ red/ cream capsule wardrobe a while back, ng? - could any of that be pulled together for the business meeting?

    Hope you can get the boots sorted with the bay seller

    And the Goodwood hotel was lovely - but as it was for business it wasn't quite the same as if it had been for pleasure. That year I spent 33 weeks in hotels around the country with work (and had 8 weeks equivalent of holiday (otherwise known as technically being on call for part of it but in reality we had free extra holiday)). Of the 11 weeks home, most of those were a 2hr commute each way to work. I don't miss those days at all!!
    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) £577.06/£4000
    Net sales 2018 £362.51/£1000 PAYDOX18 (#15) £12808.40/£18694.38
    • newgirly
    • By newgirly 12th Mar 17, 12:53 PM
    • 6,224 Posts
    • 42,988 Thanks
    newgirly
    Hi kittenkirst, Dahl is for during the week and the roast is no spatchcock chicken and jacket spuds, not that exciting! If you like bates (this last series is getting really good!) then have you seen Hannibal? I absolutely love that although sadly there were only three series of it

    Hi greent, the capsule wardrobe was casual unfortunately, I might need to buy something unless I can wriggle out of going 33 weeks in a hotel , wow I wouldn't be the size of a house with all those lovely cooked breakfasts

    Curry and dinner cooked , boots photographed and emailed, half the washing done.
    MFW 21
    Target for 2018 £40k/£9,626 paid so far

    Mortgage £39,159.44 -4yrs 2 mths left. Total owed £52,364 plan to clear in 14 months
    • AlexLK
    • By AlexLK 12th Mar 17, 10:39 PM
    • 6,039 Posts
    • 31,917 Thanks
    AlexLK
    If you wait until the mortgage is gone and put all the OP money into cars, you'll have some really nice ones within a couple of years.

    As for Midgets, they are a fun drive but if you're going for something tiny, a GT6 is even more fun. MGBs are better tourers. I can't personally get excited about Minis, though.
    2018 totals:
    Savings £7,600
    Mortgage Overpayments £1,750
    • newgirly
    • By newgirly 13th Mar 17, 10:21 PM
    • 6,224 Posts
    • 42,988 Thanks
    newgirly
    Think a gt6 is a bit pricey in comparison though! Shame on you dismissing minis Alex, it's not possible to drive one without a big grin on your face

    eBay woes today, the shoe seller has offered me a £10 partrial refund of an £80 pair of new boots which I wore once and all the stuff peeled off the side of them! Apparently they won't replace as they are worn and it's over 30 days. It's the same seller I'm about to return another pair to I just bought , so I might get those back first before getting stuck in.

    Went to work, now very very tired.
    MFW 21
    Target for 2018 £40k/£9,626 paid so far

    Mortgage £39,159.44 -4yrs 2 mths left. Total owed £52,364 plan to clear in 14 months
    • themadvix
    • By themadvix 14th Mar 17, 9:13 AM
    • 1,566 Posts
    • 9,214 Thanks
    themadvix
    Hope you enjoyed the Mousetrap NG - we saw it last year and thought it was great! Would agree that you don't need fancy seats though.

    That's rubbish about the ebay seller - if they're in the UK they're definitely in breach of their contract if they don't give you a full refund as they're not fit for purpose! Fingers crossed you have more success once the others have been processed.

    (Agree about the minis, but I guess Alex just has more refined tastes! )
    OPs 2017 = £3103
    S&S ISA 2017 = £626
    OPs 2016 = £6142.12
    Starting balance 2012: £132000; balance Dec 2017: £96,822
    MFW2017 no. 38
    • newgirly
    • By newgirly 16th Mar 17, 7:19 AM
    • 6,224 Posts
    • 42,988 Thanks
    newgirly
    Another hectic week, I've done lots of extra hours at work and more just keeps coming in, it's a good place to be yet a bit tiring!

    Dd is off to butlins at the weekend with her boyfriend and his dd and the poor guys car broke down last night, my dad is coming to take a look this morning but otherwise it needs towing to a garage, so I said he can borrow our car, he's in a bit of a panic about how much it might cost though.

    I'm Slightly worried as I tried booking to the see the nurse for something minor and was told I need an emergency doctors appointment today, supposed to be seeing my friend today too its been a stressful week all round really, if all goes well I shall get myself a treat today

    eBay woman is not relenting, now she has upped her partial refund to £15, she has had lots of customers "abusing her returns policy" and I probably scuffed them on a night out (they are not scuffed anyway) she has acknowledged I'm sending the second pair back as they didn't fit and was ok with that, so when I get a refund I will contact eBay re the faulty pair I guess. Why I would buy shoes, ruin them in a couple of weeks and then ask for a replacement not a refund as a scam ? I really don't know.

    On a more positive note it I see still lovely and sunny here in Essex, fingers crossed it lasts a while longer
    MFW 21
    Target for 2018 £40k/£9,626 paid so far

    Mortgage £39,159.44 -4yrs 2 mths left. Total owed £52,364 plan to clear in 14 months
    • themadvix
    • By themadvix 16th Mar 17, 9:02 AM
    • 1,566 Posts
    • 9,214 Thanks
    themadvix
    Hope docs isn't anything to worry about NG!

    Stupid Ebay woman!! Hope DD's BF's car isn't too expensive to fix and they have a good weekend!
    OPs 2017 = £3103
    S&S ISA 2017 = £626
    OPs 2016 = £6142.12
    Starting balance 2012: £132000; balance Dec 2017: £96,822
    MFW2017 no. 38
    • CathT
    • By CathT 16th Mar 17, 5:18 PM
    • 5,508 Posts
    • 38,459 Thanks
    CathT
    Hope all went ok at the doctors.
    April 2018 -
    part 1 - £78,128
    part 2 - £45,507
    Total - £123,635
    • newgirly
    • By newgirly 16th Mar 17, 7:13 PM
    • 6,224 Posts
    • 42,988 Thanks
    newgirly
    Thanks guys, doctors was ok, a minor problem that will take a while to hopefully clear up, but not life threatening even if I thought it was

    I have had an unplanned splurge to celebrate, bright pink patterned bed throw , sheets , duvet covers and a cushion from primarni plus a Star Wars nightie not sure what will happen to the budget and I don't much care today.

    Also bought wine which I have just poured and am having avocado on toast for dinner, all in all a good day
    MFW 21
    Target for 2018 £40k/£9,626 paid so far

    Mortgage £39,159.44 -4yrs 2 mths left. Total owed £52,364 plan to clear in 14 months
    • newgirly
    • By newgirly 17th Mar 17, 7:04 AM
    • 6,224 Posts
    • 42,988 Thanks
    newgirly
    Day off today, I need to clean the car out and get some oil as dds boyfriend will borrow it for the weekend as they are away and his is being repaired.

    I'm hoping to see beauty and the beast this morning as it will be very busy for weeks judging by the booking page. Ds2 has the day off college today so it's good timing.
    MFW 21
    Target for 2018 £40k/£9,626 paid so far

    Mortgage £39,159.44 -4yrs 2 mths left. Total owed £52,364 plan to clear in 14 months
    • TheFreeWife
    • By TheFreeWife 17th Mar 17, 8:19 AM
    • 3 Posts
    • 72 Thanks
    TheFreeWife
    I'm hoping to see beauty and the beast this morning as it will be very busy for weeks judging by the booking page.
    Originally posted by newgirly
    That's my plan for the morning also. I'm anticipating tears; either because I love it so much (it's my favourite Disney movie) or because they've ruined it. Hoping for the former!
    • newgirly
    • By newgirly 17th Mar 17, 9:28 AM
    • 6,224 Posts
    • 42,988 Thanks
    newgirly
    I know what you mean, fingers crossed! I'm also a fan of the George c. Scott version - probably I'm showing my age though
    MFW 21
    Target for 2018 £40k/£9,626 paid so far

    Mortgage £39,159.44 -4yrs 2 mths left. Total owed £52,364 plan to clear in 14 months
    • newgirly
    • By newgirly 17th Mar 17, 8:10 PM
    • 6,224 Posts
    • 42,988 Thanks
    newgirly
    Hope you enjoyed it the free wife we did Dd started crying as he opening titles started and I joined in a while after

    Dd and boyfriend are now away for the weekend, I was looking forward to a relaxing weekend and I have somehow agreed to let ds2 have 4 friends stay over tomorrow night for a mini party not sure they will fit in his bedroom so they will probably take over the living room. I might escape to the cinema for some of the evening.

    Dh at work still and not due back for a while yet, I think the only way to stop him working is lock him up or book a holiday.....
    MFW 21
    Target for 2018 £40k/£9,626 paid so far

    Mortgage £39,159.44 -4yrs 2 mths left. Total owed £52,364 plan to clear in 14 months
    • AlexLK
    • By AlexLK 17th Mar 17, 9:23 PM
    • 6,039 Posts
    • 31,917 Thanks
    AlexLK
    Re. your son having 4 friends over for a mini-party. I hope I'm that chilled about the idea of such things when my son is that age or lending a car to my son's girlfriend if her's was broken. When I were 19/20 I wouldn't have dared bring a girlfriend home for dinner. However much I'd like to be that chilled, I can see me turning into my father when such occasions arise. Not good, nor the way to handle it, really.

    Your children are VERY lucky.
    2018 totals:
    Savings £7,600
    Mortgage Overpayments £1,750
    • newgirly
    • By newgirly 17th Mar 17, 11:01 PM
    • 6,224 Posts
    • 42,988 Thanks
    newgirly
    Ha ha I may have agreed to these things Alex, it doesn't stop me moaning about them though

    Luckily both the boyfriend and the friends are quite normal and likeable, if not the situation may be a bit different

    Dh came home at 9.35 tonight after a 6.30 start, sometimes It's ok as he's trying to make he business work, other times I just feel very cross that hes not here again. Tonight is the latter
    MFW 21
    Target for 2018 £40k/£9,626 paid so far

    Mortgage £39,159.44 -4yrs 2 mths left. Total owed £52,364 plan to clear in 14 months
    • newgirly
    • By newgirly 19th Mar 17, 8:39 AM
    • 6,224 Posts
    • 42,988 Thanks
    newgirly
    I think your parents had the right idea about the friend's over Alex

    We escaped round the corner for a curry (cheap as dh knows them well and we had a free bottle of wine ) and returned to some quite drunk teenagers who had been playing FIFA shots, it appears ds1 is not too good at it judging by the state of him.

    I'm trying to look on the bright side, we did have about 8 of them but they - as requested looked after my coffee table and all the drinks were on coasters plus the loud music we came home to was queen and the Beatles, I do prefer a drunken teenage party with taste.

    Dh is suffering most as he has just done to work alone as they both can't get out of bed, I am pondering their penance at the moment.....
    MFW 21
    Target for 2018 £40k/£9,626 paid so far

    Mortgage £39,159.44 -4yrs 2 mths left. Total owed £52,364 plan to clear in 14 months
    • newgirly
    • By newgirly 19th Mar 17, 2:52 PM
    • 6,224 Posts
    • 42,988 Thanks
    newgirly
    Managed to drop one off at work today, and got both of them cleaning and hoovering first thing.

    I've gone and spent £40 at tesc* on the way back from dropping ds2 at work, £12 on an unessesary but pretty hanging basket for the front. I did get 6 tubs of frozen Greek yoghurt and 6 tubs of chocolate and strawberry ice cream for 19p a tub so it's not all bad

    I'm taking back all the new bed stuff I bought last week for a refund, I spent a few hours clearing clothes from the loft space and found a pretty bed throw that I've washed and am going to use instead. The 6 bags of clothes will go to cash for clothes when I get time.
    MFW 21
    Target for 2018 £40k/£9,626 paid so far

    Mortgage £39,159.44 -4yrs 2 mths left. Total owed £52,364 plan to clear in 14 months
    • AlexLK
    • By AlexLK 19th Mar 17, 8:54 PM
    • 6,039 Posts
    • 31,917 Thanks
    AlexLK
    Re. the sleepover.
    2018 totals:
    Savings £7,600
    Mortgage Overpayments £1,750
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

880Posts Today

8,060Users online

Martin's Twitter