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  • FIRST POST
    • mortgage_girl
    • By mortgage_girl 2nd Feb 11, 8:20 PM
    • 856Posts
    • 3,947Thanks
    mortgage_girl
    A blissful home - mortgage_girl's MF diary
    • #1
    • 2nd Feb 11, 8:20 PM
    A blissful home - mortgage_girl's MF diary 2nd Feb 11 at 8:20 PM
    After lurking around this board for the past 4 years I decided that it was time to take the bull by the horns and start my own diary.

    A bit about me, I have a mortgage of just over 82,000 with a current term of 19 years. I live on my own, with the exception of a sleepy snugglepuss , and work full time. I have recently split from my partner, while together we always overpaid on the mortgage, so i'm a convert to the benefits of overpaying. Now the mortgage is my sole responsibility i'm even more committed to making overpayments, both for the security it will offer me as well as the money I can save in the long run.

    At the moment i'm overpaying by 100 a month, although i'm hoping that this diary will help me to keep focussed on the task at hand and keep me motivated when the going gets tough.

    Hopefully some of you wonderful MFW's out there might also be able to give me some tips too
    2018: 19410.25 / 9,300
    2017: 7646.64 / 11,000 2016: 4557.98 / 11,000 2015: 10,230.37 / 11,000 2014 =6703.26 / 11,000 2013 = 4288.51 / 8000 2012 = 1600/5000 2011 = 2579/3000
    MF date was Nov 2041 - now mortgage neutral

Page 26
    • mortgage_girl
    • By mortgage_girl 15th Oct 17, 5:03 PM
    • 856 Posts
    • 3,947 Thanks
    mortgage_girl
    Jewellery box is now paid for so I'm back in the game with my mortgage OPs. I've managed to throw and extra 185 at it this month and put my usual 250 into the regular saver. The bank account is running a bit low now so it'll be lots of weekend reading / house jobs for the next few weekends.

    I've had quite a productive day today - I've cleaned out the wormery ready to list on eBay, done some washing and dried it on the line and cooked a Sunday lunch. I'm planning on using the rest of the chicken up in a stew tomorrow so that'll give us an easy & cheap tea from the leftovers.

    Work is manic at the moment as we're expecting a phonecall from those certain 'visitors' who shall not be named at any time, so we're all trying to get things in order. I'm still managing to run 5 times per week which is keeping me sane, as well as going my weekly yoga session (and trying to do 10 minutes of practice at home per day).

    I've looked at my spreadsheet and if things stay as they are with the mortageg / savings then I'll be mortgage neutral by December 2018. Although, I'll be looking at ways to reduce that as much as possible once I've got time to get my head round it a bit more.

    Happy Sunday!

    MGx
    2018: 19410.25 / 9,300
    2017: 7646.64 / 11,000 2016: 4557.98 / 11,000 2015: 10,230.37 / 11,000 2014 =6703.26 / 11,000 2013 = 4288.51 / 8000 2012 = 1600/5000 2011 = 2579/3000
    MF date was Nov 2041 - now mortgage neutral

    • mortgage_girl
    • By mortgage_girl 5th Nov 17, 3:57 PM
    • 856 Posts
    • 3,947 Thanks
    mortgage_girl
    So half term is almost over - the week seems to have flown by! I have had a very productive time though. I've listed lots of 'treasures' on eBay, deep cleaned the kitchen, defrosted the freezer, cleaned out the freezer, and have spent some time in the garden. I've also tried to spend time doing some lovely things - we had a day out at Scarborough where we spent most of our time visiting the charity shops and buying bargain books (and eating huge slices of lemon meringue!), I've had a new tattoo done (not very mse but it's beautiful) and I've spent a few cozy afternoons in front of the fire with a good book. So it's been a lovely break.

    I've had time to play with my spreadsheets and I'm still on course for being mortgage neutral by December next year. I'd really like to reduce that though and be mortgage neutral by August so I'll need to look at ways of finding some extra pounds to go towards the mortgage each month. In preparation, I'm trying to do Xmas on a budget by using vouchers I've saved through the year to purchase gifts as well as survey cash outs / eBay sales. I feel I'm getting back into the MSE swing of things after a year of taking my eye off the ball, although it has given me a new perspective on letting myself enjoy a few more luxuries along the way.

    Finances are quite tight this month but I'm going to set myself a target of op-ing an extra 100 off the mortgage (so 400 in total) - wish me luck!

    Right, time to light the fire and get cozy.

    MGx

    MGx
    2018: 19410.25 / 9,300
    2017: 7646.64 / 11,000 2016: 4557.98 / 11,000 2015: 10,230.37 / 11,000 2014 =6703.26 / 11,000 2013 = 4288.51 / 8000 2012 = 1600/5000 2011 = 2579/3000
    MF date was Nov 2041 - now mortgage neutral

    • mortgage_girl
    • By mortgage_girl 10th Nov 17, 5:15 PM
    • 856 Posts
    • 3,947 Thanks
    mortgage_girl
    I've been on a few money saving missions this week. Firstly I've closed my ISA with C0ventry BS as it was only getting me 1.05% and I've transferred the money into my new FlexD!rect account - which has an interest rate of 5% for 12 months. The account also gives me the option of opening up a 5% regular saver which may be useful once xmas is out of the way.

    I've also switched my gas and electric as my 12 month fix with SPower was coming to an end. I used the comparison tool on here and found 'bulb' to be one of the cheapest providers. It saves me about 50 over the year and I managed to find a 50 referral link from the referrals board which gives me and the referrer 50 each, so combined with the reduced cost I'll hopefully be 100 better off. The gas and electric rates aren't fixed but there's no fee for switching so I thought I'd give it a try and see how it goes - plus it feels good to be supporting a smaller company rather than one of 'fat cats'. I've added my link to the referrals area if anyone wants to give them a try. I'll give it a few months and pop an update on here too as there don't seem to be many reviews for the company (although most of what I've read is good, which is hopefully a good sign).

    SB's have reduced the price of their 5 Am@zon vouchers, so I snagged one and have added it to the xmas stash. I have a few pressies I want to get from there so long may the sale continue!

    In other MSE news I managed to get some washing hung out today and it only needed a half hour blast in the tumble drier to finish it off, so I'm happy with that.

    Have a good weekend.

    MGx
    2018: 19410.25 / 9,300
    2017: 7646.64 / 11,000 2016: 4557.98 / 11,000 2015: 10,230.37 / 11,000 2014 =6703.26 / 11,000 2013 = 4288.51 / 8000 2012 = 1600/5000 2011 = 2579/3000
    MF date was Nov 2041 - now mortgage neutral

    • CathT
    • By CathT 11th Nov 17, 12:50 PM
    • 5,743 Posts
    • 40,218 Thanks
    CathT
    Good to see you posting MG, have missed your updates. I hadn't realised you were so close to being mortgage neutral, that's amazing!
    Oct 2018 -
    part 1 - 75,530
    part 2 - 44,799
    Total - 120,329
    • mortgage_girl
    • By mortgage_girl 11th Nov 17, 11:28 PM
    • 856 Posts
    • 3,947 Thanks
    mortgage_girl
    Aww thanks Cath Life has been a bit of an emotional rollercoaster recently so I'm trying to get my mojo back. I can't quite believe I'm so close to being mortgage neutral either. I'll still be doing what I can to try and squeeze those few extra months off...

    Nearly talked myself into getting a new satnav today as mine keeps dsconnecting from the windscreen connector - but I remembered that my Dad had said I can use his whenever I need to so that's 100 saved if mine does decide to break beyond repair.

    MGx
    2018: 19410.25 / 9,300
    2017: 7646.64 / 11,000 2016: 4557.98 / 11,000 2015: 10,230.37 / 11,000 2014 =6703.26 / 11,000 2013 = 4288.51 / 8000 2012 = 1600/5000 2011 = 2579/3000
    MF date was Nov 2041 - now mortgage neutral

    • mortgage_girl
    • By mortgage_girl 21st Jan 18, 4:34 PM
    • 856 Posts
    • 3,947 Thanks
    mortgage_girl
    Happy New Year everyone...I've finally managed to get around to posting this year! Things have been quite stressful in my life for a while now and although I've not mentioned it on here previously, I've had to take some time off work, but I'm going back tomorrow and hoping to get things back on track.

    Whilst being pretty much absent from the forum I've been busy really looking after myself through plenty of running, yoga and reading, as well as making sure that I eat properly and get plenty of rest. I have still been working on my MF goals in the background but they've not had my complete focus. However, I've worked out that there's just an extra 9,300 to find by the end of the year to reach my goal of being mortgage neutral. I have budgeted for some of it already with my monthly savings but there will still be a bit extra to make from surveys, eb@ying etc. Although that calculation is for the end of the year, my real goal is to reach my target before my birthday at the end of August, it's not a big deal if I don't but it would be amazing so I'm going to give it a shot.

    Wish me luck!

    MGx
    2018: 19410.25 / 9,300
    2017: 7646.64 / 11,000 2016: 4557.98 / 11,000 2015: 10,230.37 / 11,000 2014 =6703.26 / 11,000 2013 = 4288.51 / 8000 2012 = 1600/5000 2011 = 2579/3000
    MF date was Nov 2041 - now mortgage neutral

    • Lynplatinum
    • By Lynplatinum 25th Jan 18, 12:02 AM
    • 903 Posts
    • 17,868 Thanks
    Lynplatinum
    Wow you are doing so well - I am mortgage free after a similar struggle but the knowledge that own my own house and no one can get me out of it is such a feeling of security!! Its brilliant !! Keep going

    Am going to take inspiration from you for the daily yoga and walking (too heavy and arthritic to do running) and will let you know how I get on!!! Better habits all round heh?

    Good luck!
    Aim for Sept 17: 20/30 days to be NSDs NSDs July 23/31 (aim 22)
    NSDs 2015:185/330 (allowing for hols etc)
    LBM: started Jan 2012 - still learning!
    Life gives us only lessons and gifts - learn the lesson and it becomes a gift.' from the Bohdavista
    • mortgage_girl
    • By mortgage_girl 16th Feb 18, 2:39 PM
    • 856 Posts
    • 3,947 Thanks
    mortgage_girl
    Thanks so much for your post Lynplatinum. It's lovely to hear from someone who has already completed the 'journey'. My momentum seems to be growing a bit more as each month passes and I'm still very much trying to work towards my August goal. I hope you're managing to get in some daily yoga and walking? It makes me feel so much better and I can really notice the difference in my mindset on the days that I don't do it.

    I've managed to cash out 40 from 0nepoll this month and have just received 50 from my bank account for sticking with them for a year, so they will both have gone in the offset pot. I've also sold a few bits and pieces on eb@y and have redeemed an Am@zon voucher from sw@gbucks so things are ticking along nicely. I've got quite a few other things to list which I plan to do at the weekend.

    I've started listening to the Minimalists podcast again and have decided to kick-start my decluttering efforts by playing the 30 Day Minimalism Game where you get rid of one item on day 1, two items on day 2 etc so by the end of the 30 days you've got rid of 465 items. I'm going to play it slightly differently though and aim for a total of 465 items over 30 days rather than a specific number of items on each day. It's going to be a quite a challenge but I do think it will really help to keep me focussed on de-cluttering - as well as making me think more carefully about what I choose to bring into my home. I'm going to add a separate post on here to help keep me accountable.

    Happy Friday!

    MGx
    2018: 19410.25 / 9,300
    2017: 7646.64 / 11,000 2016: 4557.98 / 11,000 2015: 10,230.37 / 11,000 2014 =6703.26 / 11,000 2013 = 4288.51 / 8000 2012 = 1600/5000 2011 = 2579/3000
    MF date was Nov 2041 - now mortgage neutral

    • mortgage_girl
    • By mortgage_girl 16th Feb 18, 2:57 PM
    • 856 Posts
    • 3,947 Thanks
    mortgage_girl
    30 day minimalism game
    30 day minimalism game:
    So here's my attempt at completing the 30 day minimalism game. By 17th March I aim to get rid of 465 items, either by donating, selling, recycling or giving them away. I'm also going to count any items that I use up in the total as I've got lots of half used / miniature bottles of shampoo, body lotions etc that are taking up space but I'd rather use them up rather than throwing them away. For them item to count, it's got to be out of the house so I'm not counting any items that I've listed on eb@y but haven't actually sold.

    Below is my running total - I know that if I put it online then I'm more likely to stick to it. Hopefully 30 days from now my home will be much more clutter free!

    MGx

    1-4 Gardening books
    5. Bag
    6. Gloves
    7. Mask
    8. Coat hangers
    9-41. Seed packets
    42. Incense sticks
    43. Perfume
    45-62. Books
    Last edited by mortgage_girl; 04-03-2018 at 4:25 PM.
    2018: 19410.25 / 9,300
    2017: 7646.64 / 11,000 2016: 4557.98 / 11,000 2015: 10,230.37 / 11,000 2014 =6703.26 / 11,000 2013 = 4288.51 / 8000 2012 = 1600/5000 2011 = 2579/3000
    MF date was Nov 2041 - now mortgage neutral

    • mortgage_girl
    • By mortgage_girl 16th Feb 18, 3:40 PM
    • 856 Posts
    • 3,947 Thanks
    mortgage_girl
    Psst...I forgot to say that I've hit another milestone - my mortgage is now under 20k!

    MGx
    2018: 19410.25 / 9,300
    2017: 7646.64 / 11,000 2016: 4557.98 / 11,000 2015: 10,230.37 / 11,000 2014 =6703.26 / 11,000 2013 = 4288.51 / 8000 2012 = 1600/5000 2011 = 2579/3000
    MF date was Nov 2041 - now mortgage neutral

    • cookie9
    • By cookie9 18th Feb 18, 2:18 PM
    • 744 Posts
    • 3,704 Thanks
    cookie9
    Yay! Well done on getting below 20k. I can but dream of that for the moment! Love the idea of the 30 day minimalism challenge. Quite tempted to try it myself as need to clear out a few of wee mans things and my own! My local Tesco has a book table where you can drop off books which I do quite regularly but often I end up picking a book up too which does defeat the purpose.
    Hope you are having a good weekend.
    MFW 91 op 2014 410/1000
    MFW 91 op 2015 4051/4000
    MFW 91 op 2016 4040/4000
    MFW 91 op 2017 812/4500
    • mortgage_girl
    • By mortgage_girl 4th Mar 18, 4:49 PM
    • 856 Posts
    • 3,947 Thanks
    mortgage_girl
    Yay! Well done on getting below 20k. I can but dream of that for the moment!
    Originally posted by cookie9
    Keep going cookie, you'll get there.

    Love the idea of the 30 day minimalism challenge. Quite tempted to try it myself as need to clear out a few of wee mans things and my own!
    Originally posted by cookie9
    Ooh yes, please do join me, it'll be fun to have a decluttering buddy!

    So life has been incredibly hectic since my last update as we had our Ofst*d inspection as soon as we got back after half term. It resulted in quite a few manic and extremely long days but I think we're all pleased to get it over and done with rather than having it looming over us. I've also had 4 days of meetings, my Nanna's funeral , have taken part in a sponsored yoga event and have a coursework deadline to meet in a weeks time - so basically it feels like my feet haven't touched the floor for the last fortnight. I'm really hoping for an easier few weeks so that I can catch my breath.

    I've taken the last week off running, partly due to the awful weather but also to allow myself to rest as I felt really tired. I've also been trying to cut down on sugary snacks and replace them with fruit as well as drinking lots more water. It seems to be working as I woke up this morning and didn't actually feel tired. Yesterday I batch cooked some mushroom and lentil pies so we have something quick and healthy in the freezer for those nights when we don't feel like cooking. I'm also going to make an effort to eat less meat because I've noticed that I feel better within myself when I don't eat a lot of it.

    My decluttering efforts seem to have gone out of the window but I'm hoping to refocus on them now. This weekend I've cleaned out my seed box, I had so many packets of seed that were well past their use by date so I've recycled them. I'd like to be much more focused with my veggie growing this year as last year I grew quite a lot of things that I didn't eat, so I'm going to try and save time and money by only growing those things that I know I'll use. I've also sorted out a bag full of books to take to the charity shop and have listed some things on eb@y.

    I managed to offset / overpay just over 750 in February. My August goal is still going to need a huge amount of focus but I'm hoping that it's achievable...I'm trying to keep my eye on the prize.

    Hope you're all having a good weekend and enjoying the almost tropical weather (in comparison to what it has been! )

    MGx
    2018: 19410.25 / 9,300
    2017: 7646.64 / 11,000 2016: 4557.98 / 11,000 2015: 10,230.37 / 11,000 2014 =6703.26 / 11,000 2013 = 4288.51 / 8000 2012 = 1600/5000 2011 = 2579/3000
    MF date was Nov 2041 - now mortgage neutral

    • selloptape
    • By selloptape 5th Mar 18, 12:02 AM
    • 474 Posts
    • 2,052 Thanks
    selloptape
    Wow MG - you are so close now - under 20k - that!!!8217;s amazing!
    GC Oct 155.28/327.70
    2 Savers Club #59 58
    MFW 2018 #49 700/3,000
    MFiT T4 #21 - reduce mortgage by 20k over 3 years
    • CathT
    • By CathT 5th Mar 18, 10:33 PM
    • 5,743 Posts
    • 40,218 Thanks
    CathT
    I did a similar decluttering challenge in January and it became quite addictive. 20k mortgage is amazing!
    Oct 2018 -
    part 1 - 75,530
    part 2 - 44,799
    Total - 120,329
    • mortgage_girl
    • By mortgage_girl 13th Oct 18, 7:49 PM
    • 856 Posts
    • 3,947 Thanks
    mortgage_girl
    Thank you so much sellotape and Cath for stopping by. I really haven't been around here for ages but I have some exciting news to share...on 23rd August I became mortgage neutral!!! I've got enough in savings to pay off my mortage remainder but I've decided not too yet as I can still access all of my overpayments as long as I keep the mortgage open, which gives me access to almost 50k. So until I've built up a hefty emergency savings pot I think it'd be wise to keep the mortgage open.


    So much has changed since I last posted. Two of my grandparents died and I decided to end my relationship. Since then I've been taking time to really look after myself and get my life back on track. So it really has been a bitter-sweet time. I don't think that it's quite sunk in that I'm technically mortgage free but I'm sure it soon will. I have bought myself a few treats to celebrate- a sm3g fridge freezer (I've wanted one for over 10 years, so it was a very exciting purchase) and an @pple watch.


    I have an interest free credit card that ends in December so I'll be focussing my energy on paying that off over te next few months and my main plan for the rest of the year is just to make my home as lovely as possible by decluttering it one room at a time. My focus for this week is going to be the dining room as it's probably one of the easiest to tackle.



    I'm planning to be around here more than I have been now that things are more settled...and I'll be setting myself some new chaallenges for the new year.



    MGx
    2018: 19410.25 / 9,300
    2017: 7646.64 / 11,000 2016: 4557.98 / 11,000 2015: 10,230.37 / 11,000 2014 =6703.26 / 11,000 2013 = 4288.51 / 8000 2012 = 1600/5000 2011 = 2579/3000
    MF date was Nov 2041 - now mortgage neutral

    • CathT
    • By CathT 13th Oct 18, 10:14 PM
    • 5,743 Posts
    • 40,218 Thanks
    CathT
    Good to hear from you MG but sorry to read you've been through such a difficult time.

    Amazing that you're mortgage free, definitely time for some treats and self-care.
    Oct 2018 -
    part 1 - 75,530
    part 2 - 44,799
    Total - 120,329
    • mortgage_girl
    • By mortgage_girl 14th Oct 18, 8:02 PM
    • 856 Posts
    • 3,947 Thanks
    mortgage_girl
    Thanks Cath. I had to shut myself away for a while and focus on really taking care of myself but I do feel much happier about my life now and know that, as difficult as it was, I made the right decision.



    It really hasn't sunk in that technically I'm mortgage free - maybe because I'm focussing on paying off my credit card now, but once that's gone I'll be seriously thinking about how to use being mortgage free to my advantage and trying to create a better work / life balance.


    MGx
    2018: 19410.25 / 9,300
    2017: 7646.64 / 11,000 2016: 4557.98 / 11,000 2015: 10,230.37 / 11,000 2014 =6703.26 / 11,000 2013 = 4288.51 / 8000 2012 = 1600/5000 2011 = 2579/3000
    MF date was Nov 2041 - now mortgage neutral

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