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  • FIRST POST
    • CathT
    • By CathT 2nd Sep 10, 11:22 AM
    • 5,787Posts
    • 40,534Thanks
    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 241
    • CathT
    • By CathT 8th Nov 18, 10:05 PM
    • 5,787 Posts
    • 40,534 Thanks
    CathT
    Well we didn't quite manage a NSD due to lunch money spends but did stay away from shops and online spending. Made a couple of tilly tidies and knocked off that month, new end date is April 2028 (113 months away?)


    N@tionwide £100 for transferring account credited today so think I will probably overpay that too. Really easy money and would definitely recommend. Anyone interested just let me know as both people get £100 each.



    Dh is wondering if the budget will stretch to wine tomorrow, we are down to £12.50 average daily spends so it depends if he is prepared to eat 'interesting' meals!


    No energy for the gym and think I am brewing some kind of chest infection but did do a 50 minute weights workout at home after the children had gone to bed. Did shoulders and back so expecting to ache a little tomorrow.


    DH present has worked out at just under £20 so need to pay that off credit card too, will get that paid off over the weekend. I wish the days to payday were going down as fast as the bank balance
    Nov 2018 -
    part 1 - £74,947
    part 2 - £44,678
    Total - £119,625
    • newgirly
    • By newgirly 9th Nov 18, 8:02 AM
    • 6,513 Posts
    • 45,337 Thanks
    newgirly
    Put those weights down and put your feet up with a cup of tea please Cath, sounds like you need a rest if you are coming down with something
    MFW 21

    £77,580
    • CathT
    • By CathT 9th Nov 18, 10:36 PM
    • 5,787 Posts
    • 40,534 Thanks
    CathT
    Put those weights down and put your feet up with a cup of tea please Cath, sounds like you need a rest if you are coming down with something
    Originally posted by newgirly

    Minimal effort from me today newgirly and also got myself checked out by gp, it's viral thankfully so just need it to run its course now.


    12p tilly tidy today and also sent to £100 from bank switch to mortgage. DH did a small food shop of £7.18 and i got some reduced fruit on way home. Spends updated and we're not doing too badly for this point in the month. T3sco balance updated and more stoozing needed so will be organised with that.


    H0bbycraft order arrived so have some bargains to add to the christmas shopping pile and also have a birthday present needed for this weekend. Will check the card box tomorrow before popping to h0me b@rgains if needed.



    Dh's new n@tionwide account now also opened. Direct debits now set up so looking forward to those rewards too!



    November spends

    Supermarket £65.47
    Fuel £40.02
    Last edited by CathT; 13-11-2018 at 9:40 PM.
    Nov 2018 -
    part 1 - £74,947
    part 2 - £44,678
    Total - £119,625
    • apple muncher
    • By apple muncher 10th Nov 18, 7:34 AM
    • 7,945 Posts
    • 60,243 Thanks
    apple muncher
    Viral = in your muscles. Your heart is a muscle too. Please do as newgirly says and rest up x
    NST November New Yorker #8; NSD 13/15; Ex 6/21 ; craft 56 (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
    • pinkypig
    • By pinkypig 10th Nov 18, 9:58 PM
    • 1,475 Posts
    • 11,368 Thanks
    pinkypig
    Hope you've had a quite day and you're feeling recovered
    MFW 2018 #157 Target £15,000

    £21,220.89/£15,000
    • CathT
    • By CathT 11th Nov 18, 9:22 PM
    • 5,787 Posts
    • 40,534 Thanks
    CathT
    Viral = in your muscles. Your heart is a muscle too. Please do as newgirly says and rest up x
    Originally posted by apple muncher

    Hope you've had a quite day and you're feeling recovered
    Originally posted by pinkypig

    Thanks both, the cold lingers on but I did go to the gym yesterday and today. When I have a cold (rarely get them and certainly not every year) I tend to feel worse in the morning and then pick up as the day goes on. I've woken both days not feeling dreadful and so gone to the gym (55 mins of weights yesterday and 4o mins today), have felt worse as the day has gone on and did succumb to paracetamol this evening as feel like I might be brewing a high temperature. I did however strike the balance by enjoying a roast chicken dinner and homemade apple and blackberry crumble. Eating down the contents of fridge and freezer is going well and they're starting to look rather empty! Small food shop of just over £8 today, asked dh to buy milk and custard on his way home from work.


    Have also indulged in some self-care this afternoon by reading quite a bit of my book (has taken me a while to get into it due to reading so intermittently. Finished watching Sant@ Clause with ds and we also watched Home @lone. It might seem early but we only have 6 weekends to get through a lot of Christmas films!


    Tried to play with my spreadsheet but it doesn't seem to be working properly and balances not reducing when extra possible op's are keyed in. Hopefully the problem only affects a few cells and not the whole thing as spreadsheets are not my forte!
    Nov 2018 -
    part 1 - £74,947
    part 2 - £44,678
    Total - £119,625
    • newgirly
    • By newgirly 11th Nov 18, 9:39 PM
    • 6,513 Posts
    • 45,337 Thanks
    newgirly
    Glad you are feeling a bit better
    MFW 21

    £77,580
    • CathT
    • By CathT 12th Nov 18, 10:07 PM
    • 5,787 Posts
    • 40,534 Thanks
    CathT
    Thanks Newgirly, hopefully am over the worst now. Colds really are rotten aren't they. Did manage another weights workout after work today. This one is only 30 minutes but I don't enjoy it as much as one of the others as I do as it's working on my weakest muscles!


    Small food shop today but monthly spends still looking good. DH has taken id to bank to arrange bank transfer so that will be £200 winging its way to us in a few weeks. Managed to sort my spreadsheet Realised I had been updating the wrong box on my spreadsheet and need to OP another £488 to knock another month off the mortgage. Hopefully that will be possible by the end of the year, but if not should be done in January.


    50p on y0ugov, will be a push to reach payout before Christmas unless they are particularly generous with high point surveys!
    Nov 2018 -
    part 1 - £74,947
    part 2 - £44,678
    Total - £119,625
    • CathT
    • By CathT 13th Nov 18, 9:53 PM
    • 5,787 Posts
    • 40,534 Thanks
    CathT
    Time to listen to my body as I feel rotten today. Headache I have struggled to shift and generally feel weary. Will log off shortly and have a much needed early night.


    Dh did a food and fuel top up earlier so the remaining spends are dwindling! I will set myself these challenges though! Bank transfer switch code received and updated online.


    Countdown to payday and frugal challenge continues........
    Nov 2018 -
    part 1 - £74,947
    part 2 - £44,678
    Total - £119,625
    • apple muncher
    • By apple muncher 14th Nov 18, 6:46 AM
    • 7,945 Posts
    • 60,243 Thanks
    apple muncher
    By the time you were logging off for an early night, I was already asleep! Just as well, as dd woke at 5.15 with a bad dream, so I've been awake since then...
    NST November New Yorker #8; NSD 13/15; Ex 6/21 ; craft 56 (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 14th Nov 18, 10:48 AM
    • 7,538 Posts
    • 76,589 Thanks
    greent
    Hope you feel better today, Cath x (and hope you manage another early night tonight, apple!)
    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 £724.53/£1000 PAYDOX18 (#15) Done £18918.90
    • CathT
    • By CathT 15th Nov 18, 6:59 AM
    • 5,787 Posts
    • 40,534 Thanks
    CathT
    Early nights are needed at times aren't they apple. In all honestly, 10pm used to be late for me but as the children have started going to bed at 8pm rather than 7ish I'm tending to stay up later.

    Thanks greent, felt really rough yesterday. This virus keeps affecting my body in different ways and generally feeling rotten is the current affect! Food intake and activity have not been great the last few days so hoping to get back to normal with that today. Not going to go near the gym until the weekend though.

    6p payable in tcb, might leave it there for now. Dh did a small shop for milk, eggs and a few other bits and spend just under £5. We are hanging in there in the final stretch before payday.

    Monthly spends so far are looking good as we are now at the half way point.

    November spends
    Supermarket £65.47
    Fuel £40.02
    Nov 2018 -
    part 1 - £74,947
    part 2 - £44,678
    Total - £119,625
    • CathT
    • By CathT 16th Nov 18, 6:54 AM
    • 5,787 Posts
    • 40,534 Thanks
    CathT
    Thank goodness it's Friday as this virus has really taken hold
    of me. Fell asleep on the sofa at 8pm last night and honestly feel pretty rubbish.

    Tcb is now at 1.06 payable so have requested that and will overpay it once it lands next week. Made an 86p Tilly tidy yesterday. Also done my mr s double up so lots of gifts bought using £70 worth of points. Still have £45 left which may use in the clothing section. Seems a shame not to use them as part of the double up. Forgot to use a triple points coupon so am hoping they will add that on for me.

    Not much else to report, just doing everything we can to make it to payday!
    Nov 2018 -
    part 1 - £74,947
    part 2 - £44,678
    Total - £119,625
    • CathT
    • By CathT 16th Nov 18, 6:55 AM
    • 5,787 Posts
    • 40,534 Thanks
    CathT
    Meant to update spends

    Supermarket £98.92
    Fuel £100.03
    Last edited by CathT; Yesterday at 8:50 PM.
    Nov 2018 -
    part 1 - £74,947
    part 2 - £44,678
    Total - £119,625
    • apple muncher
    • By apple muncher 16th Nov 18, 8:04 AM
    • 7,945 Posts
    • 60,243 Thanks
    apple muncher
    Take care of you. Lots of sleep. Lots of water.
    NST November New Yorker #8; NSD 13/15; Ex 6/21 ; craft 56 (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 18th Nov 18, 8:55 AM
    • 5,787 Posts
    • 40,534 Thanks
    CathT
    Still poorly over here, just can't shift this virus and it's symptoms are ever changing! Haven't been to the gym all week and my nutrition has been awful. Am still hopeful I will suddenly feel germ free!


    Have a few tcb credits due so have overpaid £5.56 off the mortgage, another £480 op will knock another month off. Frugal challenge ended prematurely as we are out of cash and had to start using the cc, we do however get paid this week and spends will be as low as possible. That said, I am off to an expensive garden centre today for a browse.


    Mr S points have been doubled up and spent wisely. Have some t3sco vouchers but then may need to start using cash!


    No great plans today, I will attempt to be productive but my priority is absolutely to feel 100% by tomorrow.
    Nov 2018 -
    part 1 - £74,947
    part 2 - £44,678
    Total - £119,625
    • apple muncher
    • By apple muncher 18th Nov 18, 2:34 PM
    • 7,945 Posts
    • 60,243 Thanks
    apple muncher
    Rest, water, less sugar and more veg. Hope you start to improve soon x
    NST November New Yorker #8; NSD 13/15; Ex 6/21 ; craft 56 (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 18th Nov 18, 9:36 PM
    • 5,787 Posts
    • 40,534 Thanks
    CathT
    Thanks apple, I think I'm nearly recovered! Managed to get rid of my lingering headache this morning (9 days was long enough!)

    Had enough energy and motivation to hoover the stairs (we have a lighter Hoover just for that and it's a pain getting it out!) also hoovered my car as it's getting full of leaves this time of year. Popped to garden centre and only spent £15 on plants and a few Christmas things. Used a £3 coupon meaning I got a Yule log for £1. Won an 3bay auction for a gift for ds for just under £20 then spent another £20 on some prints I've wanted for ages. There was a brilliant Black Friday deal I just couldn't resist.

    Plan for tomorrow and onwards is taking on board apples advice to ensure I continue to recover, minimal supermarket spending and nothing online!!
    Nov 2018 -
    part 1 - £74,947
    part 2 - £44,678
    Total - £119,625
    • CathT
    • By CathT 21st Nov 18, 9:11 PM
    • 5,787 Posts
    • 40,534 Thanks
    CathT
    Just a quick update from me as still have a few admin type jobs to do and want a fairly early nights.


    Payday this week and any extras will be used wisely. dd does have a couple of school trips that need paying for so some will be directed towards those. Supermarket spends remain low and we are still running the freezer down. I won a takeaway on fb so am ordering that on Friday for dinner.



    Healthwise the virus has lifted but I'm still getting headaches. Was pain free most of the day yesterday but went to bed with a slight headache and woke with it in full force. It has thankfully lifted during the day and I'm hoping it doesn't come back!


    November spends
    Supermarket £98.92
    Fuel £100.03
    Nov 2018 -
    part 1 - £74,947
    part 2 - £44,678
    Total - £119,625
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