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  • FIRST POST
    • newgirly
    • By newgirly 15th Apr 10, 11:02 PM
    • 6,359Posts
    • 43,947Thanks
    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 340
    • smallholdingsister
    • By smallholdingsister 14th Oct 17, 6:22 PM
    • 3,601 Posts
    • 30,207 Thanks
    smallholdingsister
    Mine are sulking that they can't trick or treat due to living in the back of beyond.
    • newgirly
    • By newgirly 14th Oct 17, 8:59 PM
    • 6,359 Posts
    • 43,947 Thanks
    newgirly
    You must throw a huge Halloween party in that case shs - it's only fair

    Zoo event sounds good cath

    I've had a great few days lurking on page three mfd's eating out three day's on the trot , thurs evening girls meal at p*zza express , Friday night dh took us for a curry, today out with the inlaws for lunch. Living the dream this week now I'm on the 5-2

    I'm currently going through a rebellious phase and must confess to visiting a mini garage and c*rrys to look at fridges hopefully it will soon pass and I will look and not buy (as usually happens ). I guess as long as we don't buy it's cheap entertainment in a way
    MFW 21
    Target for 2018 40k/13,632 paid so far

    Mortgage 36,319 4yrs left. Total owed 48,358 plan to clear in 14 months
    • smallholdingsister
    • By smallholdingsister 15th Oct 17, 10:04 AM
    • 3,601 Posts
    • 30,207 Thanks
    smallholdingsister
    They have fridges at the mini garage?
    • newgirly
    • By newgirly 15th Oct 17, 1:33 PM
    • 6,359 Posts
    • 43,947 Thanks
    newgirly
    wouldn't surprise me! They had a mini tent that goes on the roof to camp in
    MFW 21
    Target for 2018 40k/13,632 paid so far

    Mortgage 36,319 4yrs left. Total owed 48,358 plan to clear in 14 months
    • smallholdingsister
    • By smallholdingsister 15th Oct 17, 2:16 PM
    • 3,601 Posts
    • 30,207 Thanks
    smallholdingsister
    Cute. And very...er...cosy.
    • CathT
    • By CathT 15th Oct 17, 2:32 PM
    • 5,616 Posts
    • 39,184 Thanks
    CathT
    Do not buy! Window shop only newgirly, you're so close to the end now.
    June 2018 -
    part 1 - 77,571
    part 2 - 45,272
    Total - 122,843
    • newgirly
    • By newgirly 15th Oct 17, 8:27 PM
    • 6,359 Posts
    • 43,947 Thanks
    newgirly
    Thanks cath, I know, window shopping only
    MFW 21
    Target for 2018 40k/13,632 paid so far

    Mortgage 36,319 4yrs left. Total owed 48,358 plan to clear in 14 months
    • newgirly
    • By newgirly 16th Oct 17, 9:54 AM
    • 6,359 Posts
    • 43,947 Thanks
    newgirly
    20 voucher to spend on Xmas today, the first free voucher from the new cc I've also had a 50 Amazon one form he Amazon cc and I've got 20 of clubcard vouchers to spend too. If only all Xmas shopping was free!

    I'm thinking of getting dh a new tv for our bedroom for Xmas, controversial for some I know, but I like to feel like we have a penthouse flat rather than a bedroom on the top floor, somewhere to escape the teenagers will keep a look out on the deal sites for any offers, it doesn't need to be anything fancy.

    Need to update the food and petrol spends so far now
    MFW 21
    Target for 2018 40k/13,632 paid so far

    Mortgage 36,319 4yrs left. Total owed 48,358 plan to clear in 14 months
    • Merchandiser2367
    • By Merchandiser2367 16th Oct 17, 9:02 PM
    • 174 Posts
    • 1,095 Thanks
    Merchandiser2367
    Just reading your posts and would like to say it is inspiring to read page 1 from 2010 and then see you're still going strong 7 years later. Hopefully my wife and I can be that strong in our 5 year journey starting at the end of this month
    • newgirly
    • By newgirly 16th Oct 17, 11:25 PM
    • 6,359 Posts
    • 43,947 Thanks
    newgirly
    That's funny I just posted in your new diary

    Thanks, 7 years is a LONG time for me to stick to anything best of luck with your five year plan.


    Why is it the more early I have to get up, the less I can sleep the night before? I was in bed tired early most of the weekend. Now with a 6am start, I know I'll be awake a fair while yet!

    Whilst not sleeping in bed tonight I've been having a look at the Xmas M & S Xmas food to order, it is very tempting to order some bits we will have between 12-14 people probably this year on Boxing Day. Last years food was a cold meat/cheese/ exotic salads type affair. Still was time consuming on the day. I've been seen quite a few things I fancy buying. I may even have to do a posh festive Xmas eve dinner too
    MFW 21
    Target for 2018 40k/13,632 paid so far

    Mortgage 36,319 4yrs left. Total owed 48,358 plan to clear in 14 months
    • gallygirl
    • By gallygirl 17th Oct 17, 7:07 AM
    • 16,612 Posts
    • 109,705 Thanks
    gallygirl
    wouldn't surprise me! They had a mini tent that goes on the roof to camp in
    Originally posted by newgirly
    Don't think I'd fancy camping on the roof of a mini .
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    Mortgage Balance = 0
    "Do what others won't early in life so you can do what others can't later in life"
    • newgirly
    • By newgirly 17th Oct 17, 11:06 PM
    • 6,359 Posts
    • 43,947 Thanks
    newgirly
    hi GG , yes I think you must have to be quite small

    I can't lie I am pretty tipsy after a great night at the cancer charity Indian do best of all my friend won a raffle prize- a set of 1970's "pimpernel" coasters which have 6 different photos of what appears to be Toronto duel carriage ways on them

    Not sure whether to be pleased or insulated she says they will go well with my 70s themed house I took them anyway
    MFW 21
    Target for 2018 40k/13,632 paid so far

    Mortgage 36,319 4yrs left. Total owed 48,358 plan to clear in 14 months
    • newgirly
    • By newgirly 18th Oct 17, 7:26 AM
    • 6,359 Posts
    • 43,947 Thanks
    newgirly
    Going to work a bit late today, it's probably one of the only perks of working for your dh may get a lift as I had a bit to drink

    Dh has apparently arranged for the builders in the factory next door to come and fix our gutters on the roof and try and do something with the top of the conservatory which has a bit missing and needs the joins sealing. As he didn't think to check I have the money to pay for it --two months before Xmas, and we have so many things to pay for planned it's going to add a month onto the mortgage

    On the plus side, I've decided if we have to add a month there will be a surplus , so I'm going to buy a new fridge. Ours has been terrible for a long time now. The only reason it's survived this long is because it's a smeg and is a pretty pink colour
    MFW 21
    Target for 2018 40k/13,632 paid so far

    Mortgage 36,319 4yrs left. Total owed 48,358 plan to clear in 14 months
    • daisy 1571
    • By daisy 1571 18th Oct 17, 3:12 PM
    • 278 Posts
    • 3,407 Thanks
    daisy 1571
    Will it still be a smeg and if so what colour ? I have a pale green one which I love, love, love. Gives me so much pleasure to use and to look at.

    Daisy xx
    "Never save something for a special occasion. Every day in your life is a special occasion" Take hold of every moment by anon

    The difference between what you were yesterday and what you will be tomorrow is what you do today
    • smallholdingsister
    • By smallholdingsister 18th Oct 17, 5:51 PM
    • 3,601 Posts
    • 30,207 Thanks
    smallholdingsister
    I had a SMEG dishwasher and it was...SMEG.
    • newgirly
    • By newgirly 19th Oct 17, 7:49 AM
    • 6,359 Posts
    • 43,947 Thanks
    newgirly
    It won't be another smeg for sure! Although very beautiful, it's been a bit fragile and has not aged well. We had mums fairly new stainless steel Smeg dishwasher a few years ago which was not so great at washing dishes, we ended up buying a cheap white plastic one which was better.

    I do like the pale colours though, green sounds lovely
    MFW 21
    Target for 2018 40k/13,632 paid so far

    Mortgage 36,319 4yrs left. Total owed 48,358 plan to clear in 14 months
    • newgirly
    • By newgirly 20th Oct 17, 8:09 AM
    • 6,359 Posts
    • 43,947 Thanks
    newgirly
    Next door has left her dog in the garden and she is crying as the wind is so bad she leaves her out for about six hours a day. She believes it's cruel to leave her stuck indoors (as my dog was...) in summer perhaps if it's not hot, but in bad weather?!

    Guttering done yesterday 65, we get the quote to fix the rest on Monday. Need to rework the mortgage payments if we are adding a month now can keep trimming the amount we live on to not drop a month. Also must update the food/petrol spends.
    MFW 21
    Target for 2018 40k/13,632 paid so far

    Mortgage 36,319 4yrs left. Total owed 48,358 plan to clear in 14 months
    • daisy 1571
    • By daisy 1571 22nd Oct 17, 1:02 PM
    • 278 Posts
    • 3,407 Thanks
    daisy 1571
    Hope the dog is okay now but if not could you video her so the owner can see as that is harder to disbelieve than someone just telling you the dog was stressed or cold or frightened. I hope there is some sort of shelter for her otherwise I bet you are thinking is shinning over the fence to bring her in for a while

    D xx
    "Never save something for a special occasion. Every day in your life is a special occasion" Take hold of every moment by anon

    The difference between what you were yesterday and what you will be tomorrow is what you do today
    • newgirly
    • By newgirly 22nd Oct 17, 6:45 PM
    • 6,359 Posts
    • 43,947 Thanks
    newgirly
    Hi daisy, I'm sure she would believe me, however she has already told me it was cruel to leave my dog inside whilst out. The dog is usually ok, and does have a nice bed in a kennel, but even so I feel sorry for her

    I've spent most of the day ironing whilst dh has spent the day glossing the wood work on the hall stairs and landing it looks so much better, he took up the landing carpet and the first dodgy bathroom builders have wrecked it, combined !!!373;ith the cat ripping the first few and stairs, we have decided to get it replaced. It was an expensive one that went down about three years ago and is in the loft room and both sets of stairs. I think we will just replace the bottom staircase and landing as the rest is in perfect condition. As it's a very pale stone/off white colour (i know -on the stairs ) I'm going to try and tone it in with a stripe carpet, it's not ideal but hopefully won't look too odd!

    Don't want to check the finances, it's not been a great week for being mse.....
    MFW 21
    Target for 2018 40k/13,632 paid so far

    Mortgage 36,319 4yrs left. Total owed 48,358 plan to clear in 14 months
    • newgirly
    • By newgirly 24th Oct 17, 7:10 AM
    • 6,359 Posts
    • 43,947 Thanks
    newgirly
    Good news it's payday

    Bad news there will be hardly anything off the mortgage this month

    I've got a local carpet company coming to measure up Monday, I'm hoping it will be under 500. I've also bought a table extension on fleabay for 30 to match our current old but lovely dining table , with the extension we already have it will seat about 18 need to drive to Colchester to collect which is a good hour away this weekend.

    Back on the mfp this week and determined to get to target before Xmas. 22lb total loss so far 15 to go. My shopping day with best friend is on the 14th Dec. if I reach it I've decided to buy myself a Tiffany necklace for Xmas while we are shopping, if that doesn't spur me to the end nothing will

    Edit, I may stop 5/6 lb before target if I think it looks better, will have to see!
    MFW 21
    Target for 2018 40k/13,632 paid so far

    Mortgage 36,319 4yrs left. Total owed 48,358 plan to clear in 14 months
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