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  • FIRST POST
    • CathT
    • By CathT 2nd Sep 10, 11:22 AM
    • 5,552Posts
    • 38,677Thanks
    CathT
    CT's attempt at being mortgage free
    • #1
    • 2nd Sep 10, 11:22 AM
    CT's attempt at being mortgage free 2nd Sep 10 at 11:22 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 1:49 PM.
    May 2018 -
    part 1 - 77,906
    part 2 - 45,391
    Total - 123,297
Page 227
    • CathT
    • By CathT 3rd Apr 18, 9:42 PM
    • 5,552 Posts
    • 38,677 Thanks
    CathT
    They didnt do too badly SJ.

    Well I think we have managed a NSD! Already looking forward to the weekend as have some lovely things planned but it will not be cheap so trying to be organised to keep costs down.

    Having oven professionally cleaned tomorrow which is not very MSE but it desperately needs doing. I promise to keep on top of it after this!
    May 2018 -
    part 1 - 77,906
    part 2 - 45,391
    Total - 123,297
    • CathT
    • By CathT 5th Apr 18, 10:18 PM
    • 5,552 Posts
    • 38,677 Thanks
    CathT
    Nearly the end of the week and I am off tomorrow. We have friends staying this weekend so lots to do and lovely things planned.

    Will have the company of the children for all the jobs/errands tomorrow so I'm hoping they are full of energy and motivation!

    Wash 2 lots of bedding and re-make beds ready for guests
    Clean fridge
    Clean all surfaces
    Hoover and mop
    Clean bathrooms
    Clean kitchen
    Collect order from @rgos (towels and lightbulbs)
    Do food shop
    Got to HB for protein and fibre bars

    Done 10-15k steps each week and also managed to do two weights workouts. Took some progress pictures today and I've seen great results in just one month so am really pleased.

    Financial news? Accounts checked and there is 'some' money in there! N@twest account switching money should be paid next week.DH due some financial news next week, my PPI claim should be resolved in a week, raised a claim on tcb as some cashback not tracked correctly. Saved 10 as dd can't attend a party as I muddled up the days! However I do need to stay off 3bay as been getting myself a few bargains lately!
    May 2018 -
    part 1 - 77,906
    part 2 - 45,391
    Total - 123,297
    • Moneyfordreams
    • By Moneyfordreams 6th Apr 18, 7:38 AM
    • 950 Posts
    • 4,681 Thanks
    Moneyfordreams
    I'm on a new fitness plan Cath too. glad to hear weights are successful for you. In my previous exercise life (aged 20's to 30's) i was more or a cardio queen with very little time spent on weights. My new trainer has had me working free weights which 36 hours later i'm feeling my upper body wince quite a bit. Thankfully she forgot to take pictures
    MORTGAGE FREE (but homeless) hopefully not homelessfor long
    • michelle09
    • By michelle09 8th Apr 18, 7:03 PM
    • 776 Posts
    • 4,281 Thanks
    michelle09
    Sounds like great progress, CathT! Do you do the weight workouts at home or a gym?
    • CathT
    • By CathT 12th Apr 18, 5:56 PM
    • 5,552 Posts
    • 38,677 Thanks
    CathT
    Weights are definitely the way forward for me. Trying to build up to doing the workout consistently 3 times a week instead of struggling with twice.

    Not posted this week, had a lot going on and no financial news as we don!!!8217;t have lots of spare cash to do anything exciting with. N@twest reward money has been credited so that!!!8217;s 250 for free which will be paid off cc. Patio guy not been back in touch so still have the 350 for that sitting in savings. Do have a pending y0ugov survey so best fire up the laptop later, I sometimes worry it won!!!8217;t go through at the end on my phone.

    PPI money due any day if bank accept my claim. It is being worked on and they keep asking for more information. Have no idea how much to expect so anything will be a pleasant surprise.
    May 2018 -
    part 1 - 77,906
    part 2 - 45,391
    Total - 123,297
    • atypicalblonde
    • By atypicalblonde 13th Apr 18, 9:52 AM
    • 2,861 Posts
    • 20,061 Thanks
    atypicalblonde
    I hope the PPI refund is a good 'un, fingers crossed for you.

    We have had our oven professionally cleaned before, totally worth it IMHO! Mindst you, we also pay a gardener to mow our lawn so I am a big believer in outsourcing those jobs you hate

    Well done on the fitness work. Are you off wine again? x
    MFW
    Mortgage 8.2.15 - 171,064.64 Mortgage 1.5.2018 - 99,980.45
    Aiming to be MF 1.10.2020
    • CathT
    • By CathT 13th Apr 18, 6:36 PM
    • 5,552 Posts
    • 38,677 Thanks
    CathT
    Just chased up PPI claim, no decision made as yet but they only have another 10 days to do so so fingers crossed hear by this time next week.

    Yes I!!!8217;m off wine, apart from last weekend where I drank copious amounts along with gin! I!!!8217;m having to dig deep not to have any tonight but I really want to hit my goal so staying strong. I don!!!8217;t even finish a bottle anyway so it!!!8217;s hardly worth bothering!
    May 2018 -
    part 1 - 77,906
    part 2 - 45,391
    Total - 123,297
    • CathT
    • By CathT 14th Apr 18, 11:20 AM
    • 5,552 Posts
    • 38,677 Thanks
    CathT
    Survived a whole week in work without a bank holiday, it wasn't too bad but am planning a productive weekend.

    No alcohol for me last night and am planning to stay off it for a month but we are socialising in 3 weeks so gin may be involved!

    Sun is trying to break through here so 2 loads of washing done and on the line, it felt really warm in the sun (although I am wearing a vest top, jumper and a hoodie!)

    28.86 paid off mortgage which was the last of the funds in the account so that will be penniless until Tuesday when hopefully I can either make another OP or pay something off t3sco card. Ideally I would love these small ad hoc overpayments to knock a month off the mortgage term!

    Garden looks a mess so if time and energy allows I want to mow the lawn and do some weeding and re-instate one of the borders that has merged back into the lawn!

    1 on y0ugov today, 400 points to go.
    May 2018 -
    part 1 - 77,906
    part 2 - 45,391
    Total - 123,297
    • CathT
    • By CathT 16th Apr 18, 10:03 PM
    • 5,552 Posts
    • 38,677 Thanks
    CathT
    Well Saturday was productive as the sun was shining. Mowed the lawns, did most of the weeding and bought new garden furniture. It is the rattan type and we now have a lovely corner sofa type with cushions. Used vouchers for a cover from @rgos so just an extra 5 spent there. Rain forecast tomorrow but we are expecting good weather after that so hopefully get good used out of it.

    The current accounts survived the month! Can hits tomorrow and payday next week. Not set budgets yet but there should be some overpayment month floating around.

    10k steps done and also a weights workout today but am shattered now so am hopIng to be fast asleep in the next 10 minutes!
    May 2018 -
    part 1 - 77,906
    part 2 - 45,391
    Total - 123,297
    • shangaijimmy
    • By shangaijimmy 17th Apr 18, 7:28 AM
    • 2,721 Posts
    • 13,441 Thanks
    shangaijimmy
    The sun threatens to pop out and we all go crazy in the garden!
    MFW: Turning June 2036 into March 2025... 38//120 Payments Challenge, Diary Reduction 40,984.38
    Aug 2009: 163,051 // Current: 95,015.63 // Avg Daily Interest 4.27
    MFiT-T4 #8 - 74.24% of 41,000
    • CathT
    • By CathT 18th Apr 18, 9:08 PM
    • 5,552 Posts
    • 38,677 Thanks
    CathT
    The sun threatens to pop out and we all go crazy in the garden!
    Originally posted by shangaijimmy
    It finally made an appearance this afternoon so I sat in the garden after work. DH has set up the new garden furniture and it looks fab so going to use it whilst we can! Have hit my 10k steps each day but have hurt my foot so it's not been easy. It's a bit swollen today so hoping I haven't actually injured myself. On training tomorrow so I'm going to walk there and back int he sunshine.

    PPI claim decision almost ready, I hope they agree to payout and it is soon in my account. 150 points on y0ugov tonight so only 250 points to go. Be nice if every survey was worth 150 points.

    Plan is to keep spends low as still 5 days until payday and apart from dh going out in the day on Saturday we don't have any other planned expenses - fingers crossed there are no unexpected ones!
    May 2018 -
    part 1 - 77,906
    part 2 - 45,391
    Total - 123,297
    • atypicalblonde
    • By atypicalblonde 19th Apr 18, 4:21 PM
    • 2,861 Posts
    • 20,061 Thanks
    atypicalblonde
    I hope the PPI comes through quickly, any plans to treat yourself with part of it? Hope the foot eases soon and you are back into the swing of things with your walking.

    Take care x
    MFW
    Mortgage 8.2.15 - 171,064.64 Mortgage 1.5.2018 - 99,980.45
    Aiming to be MF 1.10.2020
    • CathT
    • By CathT 19th Apr 18, 8:43 PM
    • 5,552 Posts
    • 38,677 Thanks
    CathT
    Hi ATB, deadline is Monday and I think the bank are taking it right to the wire. I am hopeful that there may be some news tomorrow as it's a shame that the next working day is Monday. The company I have used are really on the ball so will give them a text too. Haven't planned if and how to spend it as really don't have any idea of how much to expect. DH also waiting on an update for a compensation claim as he refused the first offer so we really are in limbo here!

    Foot very painful today, I walked to my training course (about 2.5 miles) and it's been particularly painful since to the point I've had to use a support and any walking is now difficult. I potentially injured it a few days ago but it's suddenly worsened so hoping it's nothing as I am making such good progress on the fitness front. Had some lovely compliments lately too so others are also able to see my efforts are working. I'm reluctant to take painkillers as I like to 'keep an eye on things' but have had a headache so taken some ibuprofen. If I don't catch my headaches quickly they linger for days.

    Loving our new garden furniture and sat outside again after work today. I think our mini heatwave is coming to an end though and won't make it as far as the weekend!

    I think an early night beckons.
    May 2018 -
    part 1 - 77,906
    part 2 - 45,391
    Total - 123,297
    • Brodiebobs
    • By Brodiebobs 20th Apr 18, 11:57 AM
    • 771 Posts
    • 3,288 Thanks
    Brodiebobs
    Hope the foot heals soon and fingers crossed for news today about the claim!
    Addicted to MSE.
    Overpaying mortgage for a better debt free life!
    • CathT
    • By CathT 22nd Apr 18, 5:12 PM
    • 5,552 Posts
    • 38,677 Thanks
    CathT
    Thanks Brodie, foot less painful today which surprises me as thought I had done some serious damage to it yesterday afternoon. Ended up going to a last minute barbecue at friends so 10 spent on supplies to take round. We are actually approaching payday tomorrow worth 15 left! We dont owe the credit card and food shopping funds either which we used to end up doing as we approached payday.

    Steps almost at 10k (lost 1.6lbs) this week and am feeling fab. Shattered though so am going to charge my f1tbit and have a soak in the bath. Can definitely see an very early night happening but at least that means payday and PPI decision day will come quicker!
    May 2018 -
    part 1 - 77,906
    part 2 - 45,391
    Total - 123,297
    • CathT
    • By CathT 23rd Apr 18, 11:04 PM
    • 5,552 Posts
    • 38,677 Thanks
    CathT
    Payday and the money shuffle is done. Due to dh pay date changing I have had to cover some of the expenses that usually come out of his wages, meaning mine have nearly all gone! Water bill paid (we not get a measured bill every 6 months) and lawn care bill paid. Cleared some of the additional spends that had been put on the cc and also paid another 65 off the holiday balance. Will pay at least another 300 out of dh wages.
    50 points on y0ugov today so almost at payout. I have downloaded the app again so hopefully wont miss out on surveys now.
    10k steps hit which hasnt been easy with a dodgy foot but I have goals to hit and will not be deterred.

    Such a shame the weather has turned, was a bit cold today even wearing jeans and a cardigan whereas I was in sleeveless tops and shorts last week! Am hopeful the Costa del sol is hot hot hot when we go in a few weeks.

    Plan for the rest of the week is to keep spends low. Only plans for next weekend are for dd to attend a piano competition (she is playing a duet and a trio) then go to the zoo for a couple of hours).

    We have had news of our PPI claim and should receive just over 300. Not a huge amount but we have always been careful not to pay for things we dont need so this really is bonus cash. I have also received 170 of vouchers by making referrals so it was definitely worth pursuing.
    May 2018 -
    part 1 - 77,906
    part 2 - 45,391
    Total - 123,297
    • gallygirl
    • By gallygirl 24th Apr 18, 7:42 AM
    • 16,590 Posts
    • 109,555 Thanks
    gallygirl
    Nice one on the PPI claim - all unexpected money is welcome
    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"
    • shangaijimmy
    • By shangaijimmy 24th Apr 18, 10:00 AM
    • 2,721 Posts
    • 13,441 Thanks
    shangaijimmy
    Every little helps.
    MFW: Turning June 2036 into March 2025... 38//120 Payments Challenge, Diary Reduction 40,984.38
    Aug 2009: 163,051 // Current: 95,015.63 // Avg Daily Interest 4.27
    MFiT-T4 #8 - 74.24% of 41,000
    • lulabelle1
    • By lulabelle1 27th Apr 18, 1:32 PM
    • 2,586 Posts
    • 16,788 Thanks
    lulabelle1
    Payday and the money shuffle is done. Due to dh pay date changing I have had to cover some of the expenses that usually come out of his wages, meaning mine have nearly all gone! Water bill paid (we not get a measured bill every 6 months) and lawn care bill paid. Cleared some of the additional spends that had been put on the cc and also paid another 65 off the holiday balance. Will pay at least another 300 out of dh wages.
    50 points on y0ugov today so almost at payout. I have downloaded the app again so hopefully wont miss out on surveys now.
    10k steps hit which hasnt been easy with a dodgy foot but I have goals to hit and will not be deterred.

    Such a shame the weather has turned, was a bit cold today even wearing jeans and a cardigan whereas I was in sleeveless tops and shorts last week! Am hopeful the Costa del sol is hot hot hot when we go in a few weeks.

    Plan for the rest of the week is to keep spends low. Only plans for next weekend are for dd to attend a piano competition (she is playing a duet and a trio) then go to the zoo for a couple of hours).

    We have had news of our PPI claim and should receive just over 300. Not a huge amount but we have always been careful not to pay for things we dont need so this really is bonus cash. I have also received 170 of vouchers by making referrals so it was definitely worth pursuing.
    Originally posted by CathT
    I was in the Costa on Tuesday and it was glorious (without being too hot). Poured down as I was leaving on Wednesday morning, but I think it's going to be getting nicer again soon. Where abouts are you staying?
    • CathT
    • By CathT 27th Apr 18, 2:59 PM
    • 5,552 Posts
    • 38,677 Thanks
    CathT
    Hi Lula, we're staying in Benalmedina in the Holiday Polynesia, am so ready for it now. Do have a slight problem that I have fractured two bones in my foot but am hopeful it will heal well and I won't need my special boot by then! I've been checking the forecast and it does seem to be warming up nicely.

    68p tilly tidy as had some current account cashback, sadly doesn't change much on the spreadsheet.
    May 2018 -
    part 1 - 77,906
    part 2 - 45,391
    Total - 123,297
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