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  • FIRST POST
    • CathT
    • By CathT 2nd Sep 10, 11:22 AM
    • 5,777Posts
    • 40,497Thanks
    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.
    Nov 2018 -
    part 1 - £74,947
    part 2 - £44,678
    Total - £119,625
Page 237
    • Pooky
    • By Pooky 2nd Sep 18, 11:48 AM
    • 6,923 Posts
    • 44,199 Thanks
    Pooky
    Your supermarket spends are fab! What sort of meals are you having? I'm so stuck on meal ideas at the moment and even though we have all the veg in the world co I got home from the allotment I still seem to be spending loads.
    "Start every day off with a smile and get it over with" - W. C. Field.
    • CathT
    • By CathT 2nd Sep 18, 11:14 PM
    • 5,777 Posts
    • 40,497 Thanks
    CathT
    Thanks pooky, we do have a well stocked freezer and cupboard supply at the moment so been rubbing them down. Been having roasts and making them stretch, curries, some co-op deals for easy meals. I've been having homemade vegetable soup for work lunches with has really reduced costs.

    Dh did a quick shop earlier, mainly for laundry supplies but also some protein yoghurt for me.
    £10.35 in supermarket and £20 on fuel to start off the month.

    Financial plan is to assess the accounts tomorrow or Tuesday (cb lands), transfer cash out of food account to rectify main account and set a strict budget for our return.ike I said in an earlier post, we've just done things the other way round by paying the 'leftover' funds a bit prematurely!

    Haven't felt well again today, feel
    Absolutely exhausted and it's the kind of fatigue sleep doesn't fix. Am hoping my blood tests may shine some light and a week in the sun will also help restore the old energy levels.
    Nov 2018 -
    part 1 - £74,947
    part 2 - £44,678
    Total - £119,625
    • CathT
    • By CathT 4th Sep 18, 6:33 AM
    • 5,777 Posts
    • 40,497 Thanks
    CathT
    Morning.

    Blood results back which explain my fatigue. I have ongoing low ferrritin which climbs into the lower end of the range following iron supplements but then a few months later I crash again with no long term plan. Was on iron 3 times within 12 months and was last on it around February time. Had coeliac test which was negative so now I am just baffled why I can't maintain it. Do have some digestive issues so am going to go gluten free after our holiday. Don't think I'm going to get a prescription before we go on holiday this afternoon so will have to rely on medicinal sunshine and a week away to lift my fatigue.

    Cb has landed along with a generous £1000 cash gift. I don't know how best to use it sonhave stuck it in a 3% savings account for now. 63p Tilly tidy sent and after some money shuffling (no piano lessons to pay for this month as only have one weeks worth which I was in credit for) the account looks healthy pre-holiday. Gives us a £100 budget to last the 10 days to payday after holiday. This is very 'doable' so will see how it pans out in reality.
    Nov 2018 -
    part 1 - £74,947
    part 2 - £44,678
    Total - £119,625
    • PurpleFairy26
    • By PurpleFairy26 4th Sep 18, 8:24 AM
    • 2,407 Posts
    • 16,354 Thanks
    PurpleFairy26
    Have a great holiday Cath. Hopefully relaxing will see you through the fatigue. How lovey on the gift. Half to mortgage half for a treat?!?
    • CathT
    • By CathT 5th Sep 18, 3:25 PM
    • 5,777 Posts
    • 40,497 Thanks
    CathT
    Thanks PF, it's nice to have the options. I am currently considering using it towards another holiday in the hotel we are currently staying at for next year. Have friends who would like to meet up with us too so it would be well spent.

    Just checked tcb as had £11.46 payable so just sent that as an overpayment.

    Had a fab first day in holiday, yes the white magnums are on the all inclusive along with two others! Have had lots of fun, done loads of steps, been on fast slides (when I'm usually a wimp) and am going to have a coffee made by my favourite barman and read a bit more of my book. I definitely believe in striking the balance on this mortgage freedom journey. Could potentially be MF (well the main mortgage) by the time dd is 18 but I don't want to miss out on all the memory making along the way.
    Nov 2018 -
    part 1 - £74,947
    part 2 - £44,678
    Total - £119,625
    • EagerLearner
    • By EagerLearner 5th Sep 18, 9:39 PM
    • 4,942 Posts
    • 7,819 Thanks
    EagerLearner
    Enjoy holiday Cath, I'm loving the all inclusive magnums!

    Great news re the cash too, lovely jubbly
    MFW #185
    Mortgage slowly being offset! £88,601.08 /63,528.82 virtual balance
    Original mortgage free date 2037/ Now Nov 2034 and counting
    YNAB lover
    • CathT
    • By CathT 7th Sep 18, 10:09 AM
    • 5,777 Posts
    • 40,497 Thanks
    CathT
    It was a lovely gift, off my usual benefactor!

    Quick check of the accounts and made a 4p Tilly tidy. Am completely losing track of the days with being away. Have done between 16 and 19k steps each day by going for a walk after breakfast and being fairly active the rest of the time. Not over indulging so hoping for a small weight gain at worse when I get home. I think some people may use AI as a chance to eat rubbish but all I see is a chance for tasty salads, a few treats and of course the odd magnum! Have found I've gone off alcohol though so just had a couple of glasses of wine the first night.

    It is lovely to see so many people active along the beach each morning, such a different way of life.

    Anyone still doing 'daily clicks' on tcb? I have come across a few whilst searching for humming birds.
    Nov 2018 -
    part 1 - £74,947
    part 2 - £44,678
    Total - £119,625
    • CathT
    • By CathT 10th Sep 18, 7:28 AM
    • 5,777 Posts
    • 40,497 Thanks
    CathT
    Morning all.

    A few holiday drinks resulted in me feeling less than 100% all day yesterday. Just felt like my blood sugar was low and couldn't get it up and head a lingering headache. Think I'm going to go alcohol free when home. I drink so rarely now I can't see it being difficult. It really does just become a habit and we fell into a 'fizzy Friday' routine.

    Some accounts shuffled today as car payments gone out. There was just over £10 in one and £3 in the other so that's been moved to main account and 11p Tilly tidied. Tcb payout has landed but I had already overpaid that.

    Gave the children £5 (euros) to spend on games machines last evening but other than buying a couple of inflatables for the pool we have had no other spends.

    I believe the weather has turned at home so I'm definitely going to make the most of the sunshine here.
    Nov 2018 -
    part 1 - £74,947
    part 2 - £44,678
    Total - £119,625
    • the cross rabbit
    • By the cross rabbit 10th Sep 18, 8:06 AM
    • 199 Posts
    • 1,137 Thanks
    the cross rabbit
    We also got into the habit of having a relaxing drink most days but was finding the start of the following day a real effort. Since we decided to cut right back we've felt better.
    Mortgage £82,000, due to end July 2036. 4/11/18 Mortgage £79,872.13
    • apple muncher
    • By apple muncher 10th Sep 18, 4:51 PM
    • 7,915 Posts
    • 59,932 Thanks
    apple muncher
    Oooh yes, do make the most of the sunshine!
    NST November New Yorker #8; NSD 8/15; Ex 6/21 ; craft 42 (196); remove 16 (653)
    2018 Pay off: £4509; 2
    018 sell £55.10; WLOSW 3/10

    Mortgage £18,634 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • CathT
    • By CathT 12th Sep 18, 7:23 AM
    • 5,777 Posts
    • 40,497 Thanks
    CathT
    Well we're back and after snoozing on the coach and plane don't feel completely exhausted....yet.

    Have unpacked one case and put a load of washing on. Weather not looking great so I'll leave it to dh to sort out.

    20p from tcb has landed and overpaid to mortgage. Will update spreadsheet later as have made a few Tilly tidied this week. Also came home with 55 euros meaning we only spent 60 euros which is great. We'll change that money back and it will form our budget until payday, 9 days to go.

    Daily clicks done on tcb and they are tracking consistently with a 7 week payout time. Could do with finding some more higher paying ones that are worth the effort!

    First world problems here, my new step tracker isn't working. Ran out of battery and now won't charge! Quickly charging up my fitb1t with a broken strap and will pop it in my sock or pocket so can still track.
    Nov 2018 -
    part 1 - £74,947
    part 2 - £44,678
    Total - £119,625
    • CathT
    • By CathT 13th Sep 18, 7:01 AM
    • 5,777 Posts
    • 40,497 Thanks
    CathT
    Fitb1t wannabe is fixed, my lovely mum managed to get it to charge.

    Crashed about 7pm last night and went to bed at 8:15 at same time as the children. I knew I'd be fine all day but would crash later hence working! Only two days left in current job which entails the 30-40 minute commute. 5 minute commute starts Monday.

    Scales down 1.25lb this morning so some water weight must be coming off. Tried to track yesterday but came home to the most amazing roast dinner (think Christmas dinner standard) and a selection of desserts. Also think cake will be around in work today so will need to strike the balance somewhere.

    Dh has done a food shop and bought some expensive cooked chicken we had reduced in the past. I didn't really want to pay full price for it though! Will find last food spends and update. They should be low as been away and my mum had done a shop before we got home.

    By my calculations we have £66.50 to last 8 days. I will
    Need fuel (but not much as will use barely any from next week!) but it should last us if we are sensible.

    Not sure if I have finalised September budgets. Dh should have a really good pay packet as did so much overtime in August. Then I should get backdated payrise in october and an incremental rise in November. Also want to do a check of all savings accounts and write down monthly totals
    In bujo to keep track. If I have the energy to stay up past 8pm illl do it then.
    Nov 2018 -
    part 1 - £74,947
    part 2 - £44,678
    Total - £119,625
    • CathT
    • By CathT 13th Sep 18, 7:03 AM
    • 5,777 Posts
    • 40,497 Thanks
    CathT
    Monthly spends

    Supermarket £22.35
    Fuel £20
    Nov 2018 -
    part 1 - £74,947
    part 2 - £44,678
    Total - £119,625
    • CathT
    • By CathT 15th Sep 18, 9:21 AM
    • 5,777 Posts
    • 40,497 Thanks
    CathT
    Updated spends, not by much

    Supermarket £45.58
    Fuel £35

    We do need to get some shopping as I am low on protein sources and am going to trial gluten free again. The plan was to do it after holiday, I actually unintentionally was mostly GF on holiday due to eating mostly eggs, salad, veg, meat and yoghurt. Noticed a change now I am home and snacking on cakes and biscuits and eating bread. Also need to be back strictly stepping and tracking, the physical effects (ie status weight loss) doesn't bother me but I feel mentally better when in the zone.

    Need to be productive today, already hung load of washing on the line, checked accounts and sorted some dry washing. However, I've had to bring all my work related items home and they have taken over the utility room. Need to find some space for them today. Also need to go to travel agents (a chance to get some steps in) and want to transfer my ISA. Read on a few diaries about CSD increasing their rates so will be transferring to V@nguard.

    Daily clicks done and tcb increasing nicely. Will OP every payout.

    Need to get organised for dd birthday party next week. It's nothing fancy but we need to order some bits.

    Right, time to get moving again or the day is going to run away with me!
    Last edited by CathT; 16-09-2018 at 8:14 AM.
    Nov 2018 -
    part 1 - £74,947
    part 2 - £44,678
    Total - £119,625
    • CathT
    • By CathT 18th Sep 18, 9:53 PM
    • 5,777 Posts
    • 40,497 Thanks
    CathT
    Monthly spends so far.....

    Supermarket £66.37
    Fuel £74.61

    Pretty pleased with this especially at this point of the month. I don't know where the surplus cash has gone though. Maybe it is time I invest in YNAB?

    Loving my lack of work commute (and the new job) although it's always challenging and tiring starting somewhere new. Essentially the job is the same, it's all the practical stuff like not knowing colleagues and relevant professionals. However early indications show it was definitely worth making the leap!

    Last few days before payday, hoping to make an extra overpayment and contribute to savings as dh is expecting a gold pay packet this month. The overtime and hard work continues to next month is looking good too.
    Nov 2018 -
    part 1 - £74,947
    part 2 - £44,678
    Total - £119,625
    • apple muncher
    • By apple muncher 19th Sep 18, 6:36 AM
    • 7,915 Posts
    • 59,932 Thanks
    apple muncher
    Good to hear that the new job is fab!
    NST November New Yorker #8; NSD 8/15; Ex 6/21 ; craft 42 (196); remove 16 (653)
    2018 Pay off: £4509; 2
    018 sell £55.10; WLOSW 3/10

    Mortgage £18,634 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • greent
    • By greent 19th Sep 18, 10:55 AM
    • 7,509 Posts
    • 76,209 Thanks
    greent
    Glad new job is going well! 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) £7127.06/£7500
    Net sales 2018 £718.06/£1000 PAYDOX18 (#15) Done £18918.90
    • CathT
    • By CathT 21st Sep 18, 6:55 AM
    • 5,777 Posts
    • 40,497 Thanks
    CathT
    Thanks both, been headaches and tired this week but think it's from trying to remember everything!

    £12 spent on chippy yesterday, I didn't partake but it did feed 4 adults and 2 children.

    Payday today. Have paid another £300 off a 0% card ending soon. Will pay remaining £250 when dh gets paid next week. That leaves us with one card on 0% with a long interest free period to run.

    52p Tilly tidy today and credit card stooping up to date. I've got a voucher to put towards a new f1tbit but been delaying it in case price of current model drops when new one comes out in a few weeks.

    My payrise has been confirmed and is well worth having. I'll increase by over £7k in the next two years. Am sure I can find a good use for that!

    Hope everyone stayed safe in the recent bad weather. Dd has a party outside this weekend so I'm hoping for some dry weather now. It can do what it likes after her party! Just a supermarket shop to do to provide a snack for the children. Have bought white paper bags to fill with their choice to save the hassle of everything being on plates. Am hoping it will be as stress free as it sounds!
    Nov 2018 -
    part 1 - £74,947
    part 2 - £44,678
    Total - £119,625
    • CathT
    • By CathT 22nd Sep 18, 7:55 AM
    • 5,777 Posts
    • 40,497 Thanks
    CathT
    Good morning. If anyone has any tips on battling fatigue I would be most grateful. I keep receiving comments it is my age (I am 36!) which is not helping! I haven't been brilliant with the whole GF thing so guess that continues to be an option. I've also been prescribed iron supplements for 4 weeks.



    Anyway, it is the weekend and I didn't get up until 6:30 so have have had an extra 45 minutes in bed this morning. Have sent another £100 to the mortgage as had a credit to the bank account. I can secure a new deal mid October so need to keep an eye on the interest rates and will probably go for the 5 year fix. We are on 2.99 and that was 2.34. We wouldn't be MF at the end of the term but would only have a mortgage in the 30's and I plan to make big overpayments in the next 5 years (if I don't keep going on holiday!)


    As ever, this weekend needs to be productive. All money shuffling done until dh payday next week. I need to clear the breakfast bar again and sort out ds uniform as some has gone too small so will give to school to have as spares. Everywhere is starting to look slightly cluttered again so will do some tidying whilst dd at her football match this morning. I also want some self-care this weekend as feeling a little frazzled by fatigue. I am picturing, a book, hot cup of coffee, a blanket and the fire on once the rain sets in again. I am so easily pleased!


    Monthly spends
    Supermarket - £111.66
    Fuel - £104.61
    Last edited by CathT; 23-09-2018 at 2:15 PM.
    Nov 2018 -
    part 1 - £74,947
    part 2 - £44,678
    Total - £119,625
    • apple muncher
    • By apple muncher 22nd Sep 18, 9:07 AM
    • 7,915 Posts
    • 59,932 Thanks
    apple muncher
    Just a suggestion - go to the podcasts section of earlytorise.com and listen to the latest one,number 074. I'm not a fan of podcasts but am in bham, so thought I'd listen to one off that site as I do enjoy the written articles. And I've listened to it twice! It may help.

    Another thought - get off the gluten woman! You are sending your immune system into overdrive and your body is spending its energy on fighting inflammation. I assume you are not consuming sugar ...?

    Hope you make time for your R+R this weekend x
    NST November New Yorker #8; NSD 8/15; Ex 6/21 ; craft 42 (196); remove 16 (653)
    2018 Pay off: £4509; 2
    018 sell £55.10; WLOSW 3/10

    Mortgage £18,634 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
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