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  • FIRST POST
    • icklehelen
    • By icklehelen 19th Mar 13, 11:08 PM
    • 310Posts
    • 1,356Thanks
    icklehelen
    Wishing on an ickle star
    • #1
    • 19th Mar 13, 11:08 PM
    Wishing on an ickle star 19th Mar 13 at 11:08 PM
    After lurking on other peoples diaries for a year I've decided to see if having my own diary will make a difference!

    Our circumstances have changed over the last few months which is making overpaying a whole lot more tricky but that's part of the fun....isn't it? I'll explain more about that later I'm sure - don't want to bore any readers in my first post!!!

    My dream would be to pay off our mortgage by my DH's next big birthday (Sept 2018) but that would mean working some miracles so I'm looking towards mine instead (Aug 2020)!

    Hopefully with help from all of the other lovely MFW's on here and some of the amazing diaries I am subscribed to that target will be hit!

    Wish me luck!!

    ickle
    2012 6031.25/5250 2013 2799.40/3000 2014 5055.57/5000
    2015 1226.64
    /1200 2016 1775.50/1200 2017 10068.90/5500
    OP Target 2018 - 4013.60/2500
    MFiT-T4 #03 MFW2018 #6
Page 11
    • icklehelen
    • By icklehelen 25th Mar 18, 12:29 PM
    • 310 Posts
    • 1,356 Thanks
    icklehelen
    Hi Kittenkirst - thanks for popping in!

    So I'm now officially unemployed! My notice period begins tomorrow but I'll be paid in leiu of notice. I'm waiting for it to hit me like a train - so far I've been very positive but I know I'm going to miss the place and my friends/colleagues a lot!

    So I've been focussing on the other interview which is tomorrow - so nervous it's unreal!

    I have treated myself and booked tickets for a couple things through the year... one is for DD and me this week and I'm so excited but keeping it a surprise for her!

    Money wise we're fine and up to date on spreadsheets. I did notice we're past halfway of our 2018 MFW target but I don't think I'll be OPing so much over the next few months!
    I do need to focus on DH's paperwork for the business as it is year end
    2012 6031.25/5250 2013 2799.40/3000 2014 5055.57/5000
    2015 1226.64
    /1200 2016 1775.50/1200 2017 10068.90/5500
    OP Target 2018 - 4013.60/2500
    MFiT-T4 #03 MFW2018 #6
    • icklehelen
    • By icklehelen 3rd Apr 18, 4:32 PM
    • 310 Posts
    • 1,356 Thanks
    icklehelen
    Hope everyone's had a nice Easter (despite the weather) - our DD seems to have enough chocolate to last until Christmas! I think I may have to help her!

    I didn't get the job -it was a very quick 3 question interview and they were interviewing about 20 candidates! Got a few other possibilities to look into before I start to panic!

    In good news I've finally sorted the broadband and got us a good deal for 2 years with talktalk. DH and I sat down and did most of the year end last week so just a few loose ends to tie up then I can send it to our accountant.
    Also DH has spent quite a bit of time on eb@y and has already had some sales ...hoping he keeps on putting stuff on as we have plenty of 'stuff' that we don't need.
    2012 6031.25/5250 2013 2799.40/3000 2014 5055.57/5000
    2015 1226.64
    /1200 2016 1775.50/1200 2017 10068.90/5500
    OP Target 2018 - 4013.60/2500
    MFiT-T4 #03 MFW2018 #6
    • icklehelen
    • By icklehelen 19th Apr 18, 4:52 PM
    • 310 Posts
    • 1,356 Thanks
    icklehelen
    Just popped on to update my MFiT-T4 - having hit my target at the last update I'm now struggling not to set myself a new target......I would love to be sub 30,000 by January 2019 but I've decided to wait until I have a job and then see what I can manage!

    Yesterday was pay day so as expected my PILON landed but thanks to changes in payroll I've been emergency taxed!!!! I'll sort it next week when I'm not so angry!

    Updating all my spreadsheets etc early this week as I am getting ready to enjoy a weekend away for my sister's hen party. Myself and another bridesmaid have some shopping duties tomorrow and then two nights away in an airbnb
    Get back on Sunday for a day out with my in laws at a free event and they're providing the packed lunch!
    2012 6031.25/5250 2013 2799.40/3000 2014 5055.57/5000
    2015 1226.64
    /1200 2016 1775.50/1200 2017 10068.90/5500
    OP Target 2018 - 4013.60/2500
    MFiT-T4 #03 MFW2018 #6
    • icklehelen
    • By icklehelen 26th Apr 18, 10:30 AM
    • 310 Posts
    • 1,356 Thanks
    icklehelen
    Well what a week it's been!!!

    Turns out DH had a job interview the day after my last diary entry - he got the job and started on Monday!!! Luckily we both managed to have awesome weekends at the hen and stag dos, keeping our minds occupied! DH negotiated his salary on Monday and ended up with much more than he was hoping for!

    Just called tax credits but they said to call back once my P45 has arrived and I know full details of DH's job.

    This weekend is full of family birthdays - could be expensive but my dad has everything so I offered to make him and mum a meal. Our nephew has the same birthday and was asking for cash as he wants to build a gaming PC....instead we are getting him started with bits we already have from DH's old PC and time and expertise to help him to build it!

    Got a decision to make on my offset savings. At the moment most of it is sat in 2x N@tionwide accounts @5% however they are due to end in late August. The rest of the offset is at 3% and all of my other savings interest rates are lower than the recommended amount on Martin's 'Should I overpay' calculator. I can't open any more accounts - I have far too many as it is!! Think I'll see what happens to the interest rate on 10th May.

    ickle
    2012 6031.25/5250 2013 2799.40/3000 2014 5055.57/5000
    2015 1226.64
    /1200 2016 1775.50/1200 2017 10068.90/5500
    OP Target 2018 - 4013.60/2500
    MFiT-T4 #03 MFW2018 #6
    • icklehelen
    • By icklehelen 9th May 18, 10:07 AM
    • 310 Posts
    • 1,356 Thanks
    icklehelen
    So birthdays and a wedding are done - some lovely memories made.

    Yesterday was my first chance to have a good look at my spreadsheets now I know how much DH is earning.

    Spent longer than planned playing around with the figures and if we carry on as we are with our frugal ways and nothing major is required so we still have the emergency savings we could be mortgage neutral in..........3 years! That's 9 years and 8 months early!

    That target would be a stretch but I like a challenge!
    2012 6031.25/5250 2013 2799.40/3000 2014 5055.57/5000
    2015 1226.64
    /1200 2016 1775.50/1200 2017 10068.90/5500
    OP Target 2018 - 4013.60/2500
    MFiT-T4 #03 MFW2018 #6
    • icklehelen
    • By icklehelen 10th May 18, 5:18 PM
    • 310 Posts
    • 1,356 Thanks
    icklehelen
    Just popping in to update with an extra OP of 40 thanks to DH selling on eb@y - these were 2 items we were given in event party bags

    I've been decluttering and adding to the pile to sell....just need to find the time to list them!

    Failed a NSD today - spent 75p on buttons to finish the project I am making for DD.

    Time to to stop procrastinating and call HMRC and sort out our tax codes
    2012 6031.25/5250 2013 2799.40/3000 2014 5055.57/5000
    2015 1226.64
    /1200 2016 1775.50/1200 2017 10068.90/5500
    OP Target 2018 - 4013.60/2500
    MFiT-T4 #03 MFW2018 #6
    • icklehelen
    • By icklehelen 2nd Jul 18, 9:09 AM
    • 310 Posts
    • 1,356 Thanks
    icklehelen
    Wow time has flown yet again!

    DH and I celebrated our 12 wedding anniversary yesterday....we don't buy each other cards or presents (my SIL finds this appalling!) we just make a point of spending time together!

    Although I do feel like celebrating properly today as the mortgage is now sub 40k

    We've also managed to put over 600 in our 'offset' pot in June. Which means we have exceeded our OP target for the year. I'm still getting to grips with DH's pay as it's weekly so hoping I haven't missed anything! I'm going to see how July goes and then decide on a new target for the remainder of the year.

    Hope everyone is enjoying this glorious weather? I need to sort a doctors appointment to get my Vit D levels checked. My levels are usually very low (my Dr has never seen anything lower than me!!!) so I've been following advice and getting out as much as possible

    2012 6031.25/5250 2013 2799.40/3000 2014 5055.57/5000
    2015 1226.64
    /1200 2016 1775.50/1200 2017 10068.90/5500
    OP Target 2018 - 4013.60/2500
    MFiT-T4 #03 MFW2018 #6
    • icklehelen
    • By icklehelen 3rd Jul 18, 5:16 PM
    • 310 Posts
    • 1,356 Thanks
    icklehelen
    I wrote myself a list yesterday evening of things I needed to do today and I'm pleased to say I've done them all!

    So I rang our old energy supplier who seemed to think I still owed them money after nearly a year! Result - apology from the lovely lady on the phone, supposed money owed wiped and account closed

    Then called S@ntander to merge my two credit cards into one enabling me to do a bigger no fee 0% balance transfer enabling me to stooze that money for another 27 months

    Finally did lots of house insurance research through TCB and then went through quidco to get my extra 10 bonus.....if all tracks correctly that's a year of b&c insurance with legal and emergency cover for 89

    Now I've just got to find the energy to humour DH this evening as we're going to view a house that he likes.......I don't want to move
    2012 6031.25/5250 2013 2799.40/3000 2014 5055.57/5000
    2015 1226.64
    /1200 2016 1775.50/1200 2017 10068.90/5500
    OP Target 2018 - 4013.60/2500
    MFiT-T4 #03 MFW2018 #6
    • icklehelen
    • By icklehelen 5th Jul 18, 6:18 PM
    • 310 Posts
    • 1,356 Thanks
    icklehelen
    Another good day with two MAJOR items ticked off my to do list

    DH's tax return and tax credits declaration

    So glad they're over and done with......now just to wait for the brown envelopes to land on the mat - I'm hopeful that I'm owed a little bit of money from last year but that will be the last of it now DH is earning.

    House viewing was good - downstairs was great with loads of extra space and potential but we wouldn't gain anything upstairs which is where we are needing more. Back to the drawing board...literally as I am still looking at how we could extend where we are
    2012 6031.25/5250 2013 2799.40/3000 2014 5055.57/5000
    2015 1226.64
    /1200 2016 1775.50/1200 2017 10068.90/5500
    OP Target 2018 - 4013.60/2500
    MFiT-T4 #03 MFW2018 #6
    • icklehelen
    • By icklehelen 20th Jul 18, 2:51 PM
    • 310 Posts
    • 1,356 Thanks
    icklehelen
    I've just updated the Mortgage Free in Three -T4 thread with my mortgage (minus offset accounts) at 32865. I'm on track to be sub 30k by the end of the challenge although my target was 40k

    I'm trying to enjoy my last hour of freedom before DD comes home and the summer holidays commence!! 6 weeks together.....we've got lots planned, mostly free things or for a small fee. I'm looking forward to it as I normally end up working through the holidays (I may change my mind after week one however I have stocked up on plenty of gin just in case )

    In September I start a new job - something close to home that will give me some extra money and allows me to be around more for DD
    2012 6031.25/5250 2013 2799.40/3000 2014 5055.57/5000
    2015 1226.64
    /1200 2016 1775.50/1200 2017 10068.90/5500
    OP Target 2018 - 4013.60/2500
    MFiT-T4 #03 MFW2018 #6
    • icklehelen
    • By icklehelen 27th Jul 18, 4:45 PM
    • 310 Posts
    • 1,356 Thanks
    icklehelen
    Just sorted out the months expenses although that should probably read expensives as it has been a spendy one! Having said that most has come from savings so I have still been able to OP 707.43. That includes 63 from TCB for taking out a (no fee, 0%) balance transfer credit card

    I've also submitted a claim to HMRC for my tax refund from my pay in April.

    I've started looking at costing up for an extension - I love the idea of a bigger house just not the idea of a bigger mortgage It would still be less than the mortgage we had 8 years ago and I'd be OPing/saving as much as possible .....

    Time to sort my signature and update MFW then I'm going to finish getting ready for DD's birthday party tomorrow - I have cakes to ice and a house to tidy ready for 6x 7 year olds to trash
    Last edited by icklehelen; 27-07-2018 at 4:49 PM. Reason: Wrong OP amount
    2012 6031.25/5250 2013 2799.40/3000 2014 5055.57/5000
    2015 1226.64
    /1200 2016 1775.50/1200 2017 10068.90/5500
    OP Target 2018 - 4013.60/2500
    MFiT-T4 #03 MFW2018 #6
    • icklehelen
    • By icklehelen 11th Aug 18, 10:40 AM
    • 310 Posts
    • 1,356 Thanks
    icklehelen
    It's been a busy summer holiday so far - keeping DD entertained and I'm still sane (well as sane as I was to begin with ).
    Lots of catching up with friends and their kids. We've been to the cinema using our free vouchers, done the free Lego trail, had friends round, been to local parks and the water park and lots of walking and cycling (we did all the errands one day without the car - 4.5 miles walked without much complaint )

    Extension plans are on hold for a while - being sensible and going to save/OP a bit more first.

    Had few freebies while out and about - perfume samples (equivalent to about 8) and a primer (should have been 10.50!) Also had a nice surprise this morning of the 10p per litre off fuel voucher with my MrT wine delivery. Haven't ordered wine from them for over 4 years but our favourite was less than half price.

    Have started to plan for September. My new job is only 2 hours a day so I'm looking at ways to supplement it while DD is at school. So far I'm thinking - mystery shopping, dedicated time on survey sites, selling 'stuff' we have around the house and some craft items I've made for Christmas and I'm also going to look into matched betting.

    Time to go and bake cakes for a party tomorrow
    2012 6031.25/5250 2013 2799.40/3000 2014 5055.57/5000
    2015 1226.64
    /1200 2016 1775.50/1200 2017 10068.90/5500
    OP Target 2018 - 4013.60/2500
    MFiT-T4 #03 MFW2018 #6
    • icklehelen
    • By icklehelen 2nd Sep 18, 1:11 PM
    • 310 Posts
    • 1,356 Thanks
    icklehelen
    Well I've made it to the end of the holidays and am proud to say DD and I are still alive and talking to each other! Although my consumption of gin had definitely increased!

    Thanks to the interest rate rise my savings were not making enough to 'offset' the mortgage so have put them straight onto the mortgage. It did make me smile to see the balance drop and by Christmas we'll be in the 20 thousands
    2012 6031.25/5250 2013 2799.40/3000 2014 5055.57/5000
    2015 1226.64
    /1200 2016 1775.50/1200 2017 10068.90/5500
    OP Target 2018 - 4013.60/2500
    MFiT-T4 #03 MFW2018 #6
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