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  • FIRST POST
    • newgirly
    • By newgirly 15th Apr 10, 11:02 PM
    • 6,270Posts
    • 43,316Thanks
    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

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    Last edited by newgirly; 16-03-2012 at 12:47 PM.
Page 318
    • newgirly
    • By newgirly 22nd Mar 17, 9:22 PM
    • 6,270 Posts
    • 43,316 Thanks
    newgirly
    Well you need to get him back to the shop then as they do men's shoes too

    Exhausting day today, I left work early feeling quite rough, probably lack of sleep due to the dog waking me up the last two nights because of the wind outside, have spent the evening on the sofa looking at all the shoes I will buy when mf to cheer myself up.

    Food wise I've been good today and no alcohol again, too tired to get up to get anything

    Ps frugal wells - well done making the overpayments , do you have a diary?
    MFW 21
    Target for 2018 £40k/£11,092 paid so far

    Mortgage £38,275 4yrs 1mth left. Total owed £50,898 plan to clear in 14 months
    • newgirly
    • By newgirly 23rd Mar 17, 7:13 AM
    • 6,270 Posts
    • 43,316 Thanks
    newgirly
    PayPal have emailed to say they do not find in my favour so there is nothing I can do about the boots. It's so frustrating as I really want another pair (they don't make them exactly like this anymore and they are the only seller I can find anywhere!)

    I really don't want to pay for another pair from this seller, but I really want these boots and once my size sells out that's it!
    MFW 21
    Target for 2018 £40k/£11,092 paid so far

    Mortgage £38,275 4yrs 1mth left. Total owed £50,898 plan to clear in 14 months
    • themadvix
    • By themadvix 23rd Mar 17, 7:51 AM
    • 1,652 Posts
    • 9,652 Thanks
    themadvix
    Oh that's rubbish about Paypal NG, is it worth trying Trading Standards if she's a business seller?

    I did not know that they did men's shoes - we'll actually have to go in next time, rather than admiring Star Wars platforms from the window!

    Well done on food and no alcohol!
    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 23rd Mar 17, 3:51 PM
    • 6,270 Posts
    • 43,316 Thanks
    newgirly
    I have a confession to make, even I can't believe I've done this but I've been ordered another pair from the same seller I emailed them to see if they would sell me a new pair half price and they agreed

    If it's was anything else I wouldn't have but I love these boots and I can't get them anywhere else. So now I have a shabby pair for everyday and a new pair for best, well that my excuse and I'm sticking to it I will however wear he new ones a few times before the 30 day return policy just incase!

    Need to find £40 now to to cover it ........
    MFW 21
    Target for 2018 £40k/£11,092 paid so far

    Mortgage £38,275 4yrs 1mth left. Total owed £50,898 plan to clear in 14 months
    • greent
    • By greent 23rd Mar 17, 7:39 PM
    • 7,008 Posts
    • 71,557 Thanks
    greent
    Which IC design are you so fond of then, ng? - is it Miaow? I am debating 'Think about it' - but can't decide between plum or gold
    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) £877.49/£4000
    Net sales 2018 £491.03/£1000 PAYDOX18 (#15) £13869.38/£18694.38
    • newgirly
    • By newgirly 24th Mar 17, 7:16 AM
    • 6,270 Posts
    • 43,316 Thanks
    newgirly
    It is the miaow in the black suede with a silvery black colour and purple eyes I've just had a look at think about it - very nice, both colours good. I went to the irregular choice shop by Camden lock last night on he way to the gig at the roundhouse with the boys, it's amazing but all full price.

    Concert was an eye opener, we saw blossoms who I really like and are quite pop like, yet I ended up being in a mosh pit with bottles being thrown about lots of drunk idiots who didn't even seem bothered about the music, even ds2 agreed and he is not ancient

    I'm about to get dressed and stake out my front window instead of having the lie I plannned as some *sshole has blocked my whole drive with a massive Land Rover discovery, it's been there since last night I've left a message with the council but I would prefer to speak to the idiot face to face!
    MFW 21
    Target for 2018 £40k/£11,092 paid so far

    Mortgage £38,275 4yrs 1mth left. Total owed £50,898 plan to clear in 14 months
    • Kittenkirst
    • By Kittenkirst 24th Mar 17, 7:21 AM
    • 1,886 Posts
    • 10,116 Thanks
    Kittenkirst
    Oooh I do like Blossoms! Sorry to hear about bottles in the mosh though, that doesn't sound pleasant at all (& im known to be found in a good mosh from time to time )

    Hope you give the LR driver what for!!
    2018 MFW #20 - OP £1799.61/ £3000 60%
    Mar: £218 Apr: £528.91 May: £361.07

    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    Overpayments 2016 £255.50 2017 £2600.40
    • newgirly
    • By newgirly 24th Mar 17, 8:02 AM
    • 6,270 Posts
    • 43,316 Thanks
    newgirly
    They were good kittenkirst, but think I'm more suited to a meal out first, (apparently not cool before a gig according to my two!) n massive queueing and a nice sit down somewhere without a sticky floor

    Car problem sorted, I was writing various rude notes and starting to get seriously annoyed when I saw next door go out, she said she thinks it belong s to a house about 8 along, so knocked and asked and the guy looked like he had builders in "yes that's his car" I said well it's been there all night I can't get my car out, "I think he left his keys I'll look," - that was it, no sorry , nothing I did point out that I'm not good at reversing and hit a car a few weeks ago outside my house quite badly

    In happier news it payday
    MFW 21
    Target for 2018 £40k/£11,092 paid so far

    Mortgage £38,275 4yrs 1mth left. Total owed £50,898 plan to clear in 14 months
    • newgirly
    • By newgirly 24th Mar 17, 10:52 AM
    • 6,270 Posts
    • 43,316 Thanks
    newgirly
    This has turned into a parking thread today, I've been blocked in again this morning for over an hour, it looked like a parking enforcement car but on closer look it wasn't, so I thought I'd try the neighbour up the road just incase, and yes it was theirs AGAIN!! I mean how arrogant can you be?
    MFW 21
    Target for 2018 £40k/£11,092 paid so far

    Mortgage £38,275 4yrs 1mth left. Total owed £50,898 plan to clear in 14 months
    • greent
    • By greent 24th Mar 17, 1:29 PM
    • 7,008 Posts
    • 71,557 Thanks
    greent
    Twice by the same person after being informed about it the first time is just taking the p*** Grrrr - I would be angry - what happens if you needed to get out in a hurry, or had a delivery or even an ambulance come to your house?

    Like the boots, ng

    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) £877.49/£4000
    Net sales 2018 £491.03/£1000 PAYDOX18 (#15) £13869.38/£18694.38
    • newgirly
    • By newgirly 24th Mar 17, 3:26 PM
    • 6,270 Posts
    • 43,316 Thanks
    newgirly
    Now three times today greent!!! Huge lorry pulled over the whole drive so I went straight round, what looked like possibly the owner was laughing on the doorstep , I walked up (first time I've seen him) and I said this is the third time today you have blocked me in please move, no apology he carried on laughing and said 'I'll have to give you my number soon' I am so cross and am also a stroppy woman who bears a grudge, one more time and I'm blocking his drive later. The council can be emailed with a specific cars details and they may send a cctv car over, but they don't clamp or tow full stop. Arghhhhh!
    MFW 21
    Target for 2018 £40k/£11,092 paid so far

    Mortgage £38,275 4yrs 1mth left. Total owed £50,898 plan to clear in 14 months
    • AlexLK
    • By AlexLK 24th Mar 17, 11:38 PM
    • 6,066 Posts
    • 32,095 Thanks
    AlexLK
    LR driver sounds like a *****. I've no advice, I'm afraid, though if I lived closer I may have offered to tow him out of the way with my Defender.
    2018 totals:
    Savings £7,600
    Mortgage Overpayments £1,750
    • newgirly
    • By newgirly 25th Mar 17, 8:47 AM
    • 6,270 Posts
    • 43,316 Thanks
    newgirly
    Thanks Alex, I appreciate the gesture

    Very unproductive day yesterday, Dd was upset and stressed about uni (other members of group not even showing up let alone pulling weight) so after a chat I made her sit and watch a couple of movies downstairs with popcorn and she even ate a whole tub of the yellow sticker ice cream end result much happier daughter.

    Today needs to be washing, cleaning and tidying. For Mother's Day we are visiting the inlaws tonight for dinner and tomorrow have my parents round for a sandwich style lunch ( they didn't fancy a big dinner at lunch time, so it's fine by me) Dads making the sarnies, he makes amazing finger ones, I need to get a few crisps, crudit!s and chocolate dipped strawberries and prosecco. I might walk to town and get the bus back, it can be my excercise for the week

    Wages shuffled and another month gone I'm attempting to live on a bit less again to try and keep the end date at August next year instead of sept, it's a £40 a month drop so not sure it's sustainable, or even that I should do it really I think I'll probably be making choices on a month by month basis really. Next month we will be under £50k which doesn't feel real.

    Weight loss going ok for a change


    Oh just remembered, I am switching a Santander account to dhs Halifax reward for a £75 bonus - it was a pop up when I logged in to check the account yesterday there was none on my reward account not sure why , but it's worth checking as it's a lot less hassle switching into an account you already hold, I love a bit of free money!
    Last edited by newgirly; 25-03-2017 at 8:52 AM.
    MFW 21
    Target for 2018 £40k/£11,092 paid so far

    Mortgage £38,275 4yrs 1mth left. Total owed £50,898 plan to clear in 14 months
    • AlexLK
    • By AlexLK 25th Mar 17, 10:46 PM
    • 6,066 Posts
    • 32,095 Thanks
    AlexLK
    You're welcome. Though I would have to credit my mother with the idea. My ex-business partner had a similar problem outside our workshop premises (I wasn't there very often, he was). I remember telling my mother about it and she said "and that's another reason the Land Rover Defender is the most versatile vehicle one can buy ... good towing capability." She's 77 this year and I don't doubt for a moment that she'd happily move the offending vehicle off her land.
    2018 totals:
    Savings £7,600
    Mortgage Overpayments £1,750
    • CathT
    • By CathT 26th Mar 17, 9:27 AM
    • 5,543 Posts
    • 38,648 Thanks
    CathT
    Hope there's no more parking issues. We've had builders here for months and park our cars away from our house (not blocking in anyone else) so that our builders don't park outside our neighbours (even the parts that don't block the drive in case hey need to also park there). It's not hard to be considerate is it.

    Hope you have a lovely day today.
    May 2018 -
    part 1 - £77,906
    part 2 - £45,391
    Total - £123,297
    • newgirly
    • By newgirly 26th Mar 17, 11:59 AM
    • 6,270 Posts
    • 43,316 Thanks
    newgirly
    good on her Alex!

    Morning cath, no more problems so far yet luckily but it's Sunday so probably there is nobody working there at the moment.

    I've had a pair of pjs and some earring from Dd for Mother's Day which was nice. I've been making lots of chocolate dipped strawberries to go with the sandwiches later, only sampled two whilst doing them

    In actual moneysaving news I've listed some unwanted perfume on flea bay, I had an email saying if I sell something in the next week or so I get £10, and have also updated my valued options profile to try and start doing surveys again.
    MFW 21
    Target for 2018 £40k/£11,092 paid so far

    Mortgage £38,275 4yrs 1mth left. Total owed £50,898 plan to clear in 14 months
    • smallholdingsister
    • By smallholdingsister 26th Mar 17, 5:12 PM
    • 3,591 Posts
    • 30,127 Thanks
    smallholdingsister
    That is so arrogant to block your drive. I would be round to repay the compliment.
    • themadvix
    • By themadvix 27th Mar 17, 9:24 AM
    • 1,652 Posts
    • 9,652 Thanks
    themadvix
    Unbelievable neighbours! And it sounds like they think it's funny.... I'd be onto the council about them!
    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 28th Mar 17, 10:01 PM
    • 6,270 Posts
    • 43,316 Thanks
    newgirly
    Council just have a Message service for if your drive is blocked and they May send a camera car past but won't tell you if they have, Pretty useless really.

    Very busy at work this week and I've even brought homework home too - boo! Although I did manage to squeeze a movie in tonight with ds2 "life" which we both enjoyed, you can't beat an alien film

    Weight loss for the first week has been 1.5lb, I was hoping for 2lb a week but I'm counting 1.5 as a success, I celebrated tonight with a large G&T and bates motel ( have been very good the rest of the day mind ) Work food prepped for tomorrow , small bowl of bran flakes , egg salad and fruit.

    eBay perfume bids now at £4.20 it's so exciting I don't know why I don't do it more often, it's like gambling or playing the lottery and winning, neither of which I usually do
    MFW 21
    Target for 2018 £40k/£11,092 paid so far

    Mortgage £38,275 4yrs 1mth left. Total owed £50,898 plan to clear in 14 months
    • themadvix
    • By themadvix 29th Mar 17, 10:36 AM
    • 1,652 Posts
    • 9,652 Thanks
    themadvix
    Love watching things go up in price on ebay - it's addictive!

    Surely while the council may only have a message service, when it's happened three times, you know who the culprit is and they are clearly taking the pee, the council has some responsibility to enforce matters to wipe the smug smile from your neighbour's face?! Sorry, I'd be utterly livid if it was me! (And it has been in the past - we're at the bottom of a cul-de-sac with council owned flats - being able to get off our drive is apparently a privilege not a right).

    Great weight loss results!
    OPs 2017 = £3103
    S&S ISA 2017 = £626
    OPs 2016 = £6142.12
    Starting balance 2012: £132000; balance Dec 2017: £96,822
    MFW2017 no. 38
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