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  • FIRST POST
    • juststuff123
    • By juststuff123 27th Apr 14, 7:54 PM
    • 214Posts
    • 633Thanks
    juststuff123
    All I want to be...is Free!
    • #1
    • 27th Apr 14, 7:54 PM
    All I want to be...is Free! 27th Apr 14 at 7:54 PM
    I've never posted on a forum before so please bear with me.

    I bought my flat in 2010. I took a £66k mortgage and a 0% £15k loan from my parents. I also have my student loan to repay £5k left. My goal is to have all these debts paid by Dec 2018. Or at least have enough money in savings to be able to pay off all these debts if I want to by Dec 2018 (will depend on the interest rates etc at the time).

    I live alone so this will be a real achievement for me is I can pull it off (lets skip over the parental help). I have a budget, and several spread sheets to keep me on track. I'm very tight with money and I've just dipped my toe into the Stoozing pool but any tips and advise would be welcome. Fingers crossed.
    Last edited by juststuff123; 06-05-2014 at 1:12 PM. Reason: Change of tittle
    NEW GOAL Ė Mortgage Balance £0k & £50k Savings by Feb 2020
    MORTGAGE: Ė £18523 / £0
    SAVINGS: Ė £47875 / £50000
    CREDIT CARD: Ė £8001 / £0
    COMPLETE - MFW & DFW - Goal - Debt Neutral Ė COMPLETE
    2018 MFW #152: £8,000/£26,100 / MFiT-T4 #80: £27,209/£45,232
Page 7
    • juststuff123
    • By juststuff123 31st Mar 17, 3:15 PM
    • 214 Posts
    • 633 Thanks
    juststuff123
    Thanks Squirrel, I really do appreciate you taking time to read and comment on my diary!

    I thought Iíd feel different when I reached debt neutrality, safer and freer or like a weight had been lifted from my shoulders but I donít. Perhaps debt neutrality and debt free are more different than I thoughtÖÖÖÖÖÖÖ

    I had a bit of a wobble at work last week. Iíd been struggling with stress and anxiety for a while, I thought I was getting better then I had a bit of a meltdown and couldnít stop crying! It was so unprofessional and very embarrassing. I took the rest of the week off, Iím still deciding whether to go back on Monday. I can feel the panic setting in just thinking about it.

    Right nicer things: Motherís day Ė I cooked my Mum Steak & Ale pie and ginger cake. She has very high standards when it comes to Steak & Ale pie so I was a bit nervous but she said it passed so I was chuffed with that.

    I had a lovely Spa day earlier this month with a couple of friends as a birthday treat for one of them. The package was originally £94 but I went through groupon and a cashback site and got it for £42! And I went to Cardiff to visit a friend and have a bit of a nose around the shops. It was nice to have a catch up.

    I booked the painter to come at the beginning of June to paint the communal areas of the flats where I live. Iím really looking forward to having this work done.

    I did my annual interest sweep into the main account this month and took out all the payable cashback from the assorted cashback companies (about £50)

    I booked the Airport hotel & parking for my holiday at the end of the month. I spent £9 more than I had planned to. I listened to my Dad and booked it later than I planned and the price had gone up. Doh!

    I had a good read of the Martin Lewis advise regarding holiday money and decided to get a specialist credit card. I went for the creation one he recommended. I applied and was accepted. I was shocked with my credit limit. Itís a holiday card I thought £1200 - £2000 would be plenty. They gave me £12,000! I always wondered how people managed to rack up tens of thousands in credit card debt Ė well now I know, the banks set them up. I was going to get the limit lowered but my Dad said not to and that the whole family could use the card while weíre away. The villa has broadband so I can pay the balance each day to avoid the interest charges.

    Iíve made some decisions. 2 regular savers came due this month. I set up another with Nationwide but Iíd decided not to renew the 5% M&S regular saver. I donít have enough Direct debits. I could set up charity payments but £24 to get £81 interest plus the fact that Iím exceeding my £1000 personal savings allowance so Iíll end up paying extra tax just didnít make it such an attractive offer anymore. Then I opened a 3rd BOS account just in time to find out theyíre dropping their interest rate! So I might open another M&S saver in June? If ever I needed a sign to change tact this is it.

    I mentioned I was going to change my strategy for this new goal. Iíve spent the last few years concentrating on savings (the bulk being in an assortment of bank accounts) now Iím going to put more effort into debt reduction and alternative investments. Especially with the worsening interest rates. I decided to pay the balance of my student loan this month (£736) and I paid off the balance I owed my dad (£3254). I used the Inheritance heís just given me plus my bonus. Iíll take the money I would have paid my dad and the student loan each month and set up a standing order to go in the mortgage Ė the tried and tested snowball technique.
    I think Iíll ditch at least 2 of the BOS accounts in June. Iíll use the money from one of them to pay off my credit card which comes due in July and I havenít decided yet whether to put the other £5000 into the mortgage or increase my stocks and shares Isa fund since Iíve started to think I need to start planning for further into the future.

    This personal allowance thing is a bit pf a palaver! Apparently, the banks are supposed to tell HMRC what I owe. But it doesnít seem to work like that. Iíve had to spend quite some time working out what I owe and telling them. This new system is a sure way for some major Ďmessí ups. And this paying back through the tax code system, itís like being in debt again, Iíd rather pay the lump and have it off the slate.

    Iím still questioning the usefulness of the Santander 123 Itís not a good account anymore Iím just not sure what to use in its place.

    Iíve been thinking that I need to start planning for further into the future and investing more in stocks and shares. I just need to decide on a strategy and a quantity to invest.

    My updated status:

    MFW & DFW - Goal - to be Debt Neutral by Feb 2017
    To pay: Mortgage -£41525/£66445 (started Feb 2010)
    To pay: Parent Loan £0/£15000 & Student Loan - £0/£9479
    To pay: Credit Cards (Stoozing) - £4231
    Savings - £54037
    Debt Neutrality - +6100
    NEW GOAL Ė Mortgage Balance £0k & £50k Savings by Feb 2020
    MORTGAGE: Ė £18523 / £0
    SAVINGS: Ė £47875 / £50000
    CREDIT CARD: Ė £8001 / £0
    COMPLETE - MFW & DFW - Goal - Debt Neutral Ė COMPLETE
    2018 MFW #152: £8,000/£26,100 / MFiT-T4 #80: £27,209/£45,232
    • juststuff123
    • By juststuff123 8th May 17, 3:25 PM
    • 214 Posts
    • 633 Thanks
    juststuff123
    Hi MSE family,

    Iím a bit late in posting this month. Iíve just got back from Holiday. I went with the family to St Lucia. It was beautiful, I did all the standard Tourist spots and went Zip lining. And a coconut fell from a tree and hit me on the head! What are the chances? No damage done though. I spent quite a bit of money on activities, eating out souvenirs etc. and all the prep, haircut, eye lash tint etc. But it was my first proper holiday on 5 yrs so I thought Iíd treat myself a little. Iíll knuckle back under this month. It was great not to have to think about work for a while. Iíve only been working a couple of mornings a week this month with the rest of the time working from home. Itís been good to reduce the stress a little.

    I did a contortion workshop at the beginning of the month. It was brutal and Iíve signed up to do another hoop course this one is a tricks and comboís class rather than a routine class. Iím looking forward to it.

    My HSBC and Santander Regular savers finished last month so Iíve set up new ones. I still havenít decided what to do with the money in the BOS accounts when the interest rates drop next month.
    I canít think of anything else to say, either thatís it for the month or more likely Iím suffering from Jet lag. Anyway at least itís a short one!

    See you at the end of the month!

    My updated signature

    NEW GOAL Ė Mortgage Balance £0k & £40k Savings by Feb 2019
    MORTGAGE: Ė £41001 / £0
    SAVINGS: Ė £52589 / £40000
    CREDIT CARD: Ė £4677 / £0

    COMPLETE - MFW & DFW - Goal - Debt Neutral Ė COMPLETE
    NEW GOAL Ė Mortgage Balance £0k & £50k Savings by Feb 2020
    MORTGAGE: Ė £18523 / £0
    SAVINGS: Ė £47875 / £50000
    CREDIT CARD: Ė £8001 / £0
    COMPLETE - MFW & DFW - Goal - Debt Neutral Ė COMPLETE
    2018 MFW #152: £8,000/£26,100 / MFiT-T4 #80: £27,209/£45,232
    • juststuff123
    • By juststuff123 31st May 17, 9:36 PM
    • 214 Posts
    • 633 Thanks
    juststuff123
    Hello Fellow MSEers

    May feels like itís been a long slow month. Iím still only working a couple of mornings per week, then from home the rest of the week. The flat painting is underway, Iíve been able help out a bit. They look much better, though now the floors really stand out as shabby! Well Iíll put those on the list!

    I change my maintenance fee standing order so that in June the balance for the year (ending March) will be taken in one go, so my figures next month will look down, but it will even up over the rest of the year. I did this so we have enough money in the communal pot to get a few other maintenance jobs done on the sheds and garages, while I can get them done cheap by a trusted handyman.

    Iím back doing Hoop classes for a few weeks. This is a tricks and combos class so I donít have to remember a routine

    I bought tickets to see to Alice in wonderland & Midsummer Nightís Dream at an outdoor theatre in some gardens near my home. They arenít until July & August, but Iím looking forward to them. I bought myself a picnic backpack for the occasion. I also bought myself a new shower and screen. Mine still worked but they were becoming tired and dated. I got a good deal; RRP for the shower £268, I paid £123 and the screen RRP was £181 I paid £60 + 1% cashback! I also bought my sisterís Christmas present and went to a Body Shop party, I ended up spending about £40 there, itís a lot but you expect it when you go to these things. All in all, itís been a
    spendy month.

    My free Hello Fresh meals came this month, I was actually very impressed. I wouldnít get them every week, but once in a while I think I might.

    I got the Ford money Isa Martin Lewis recommended in the weekly newsletter. I had planned to stop saving and start ploughing the money in to the mortgage, but Iím an addict, I see a regular saver and I have to have it! My salary now matches my regular saver outgoings every month!

    The 0% runs out on my Credit card soon, Iíve been trying to choose a new one. I suppose it doesnít really matter, theyíre all much of a muchness.

    Any Who see you next month!

    My updated Signature:

    NEW GOAL Ė Mortgage Balance £0k & £40k Savings by Feb 2019
    MORTGAGE: Ė £40478 / £0
    SAVINGS: Ė £53584 / £40000
    CREDIT CARD: Ė £5620 / £0

    COMPLETE - MFW & DFW - Goal - Debt Neutral Ė COMPLETE
    NEW GOAL Ė Mortgage Balance £0k & £50k Savings by Feb 2020
    MORTGAGE: Ė £18523 / £0
    SAVINGS: Ė £47875 / £50000
    CREDIT CARD: Ė £8001 / £0
    COMPLETE - MFW & DFW - Goal - Debt Neutral Ė COMPLETE
    2018 MFW #152: £8,000/£26,100 / MFiT-T4 #80: £27,209/£45,232
    • juststuff123
    • By juststuff123 30th Jun 17, 9:46 AM
    • 214 Posts
    • 633 Thanks
    juststuff123
    Hey there folks,

    I set up a new credit card 28 months @ 0%, then I cancelled 3 old (now unused) ones, and reduced the credit limit on a 4rd to tidy things up a bit. So now I have one card to use on holiday or spending in foreign currency and one every day 0% card I can stooze with. My credit score will probably take a bit of a hit, thatís why I opened the new credit card first, so my score has 2 years to go back up.

    I messed up with my Nationwide regular saver so I closed the account and started again. I closed a few more unused Savings accounts. Removed the standing orders on my Tesco accounts (after checking first that they were no longer required to keep the 3% interest. I closed my BOS accounts, paid off my credit card balance, opened a new M&S regular saver and paid an extra £3400 off on the mortgage. But I still have a dilemma, I still have too much money in my current accounts but I canít decide whether to put even more into the mortgage or invest more in stocks & sharesÖ I know luxury problem right!!

    I paid 10 months of my flat maintenance charge in one go this month (to help with some extra repairs) so my budget spreadsheet looks awful at the moment! Itíll even out over the year though.

    Iím still working from home for most of the week. I went to see a recruitment specialist to get some direction and some ideas for what to do with my future. And Iíve had an idea for a small start-up business. I booked myself on to a day course to see if Iíve got what it takes to make it work. And Iíve got a meeting next month to help a friend (for free) so afterwards Iíll ask what she thought and whether she felt I was good enough to charge people. Iíve also been speaking with a CBT specialist to help me pull myself together.

    I got a groupon deal with a friend to go to Rome for 3 nights in November Ė it was £200 and includes flights, hotel & breakfast. So thatís something to look forward to. Hopefully weíll take a day trip down to Pompeii or Herculaneum.

    I had a private Pole class this week, my first time back on the pole for almost a year. I was pretty chuffed with what I could still do even though I was a bit sore afterwards!

    Anyway as usual here is my updated signature:

    NEW GOAL Ė Mortgage Balance £0k & £40k Savings by Feb 2019
    MORTGAGE: Ė £36555 / £0
    SAVINGS: Ė £45666 / £40000
    CREDIT CARD: Ė £148 / £0


    See you next monthÖ


    NEW GOAL Ė Mortgage Balance £0k & £50k Savings by Feb 2020
    MORTGAGE: Ė £18523 / £0
    SAVINGS: Ė £47875 / £50000
    CREDIT CARD: Ė £8001 / £0
    COMPLETE - MFW & DFW - Goal - Debt Neutral Ė COMPLETE
    2018 MFW #152: £8,000/£26,100 / MFiT-T4 #80: £27,209/£45,232
    • Kittenkirst
    • By Kittenkirst 30th Jun 17, 9:56 AM
    • 1,885 Posts
    • 10,108 Thanks
    Kittenkirst
    Fab to see some new goals, sure with the determination shown for your previous goals you will smash these!
    2018 MFW #20 - OP £1465.85/ £3000 49%
    Mar: £218 Apr: £528.91 May: £27.31

    Emergency fund £4.2k/ £6k
    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    Overpayments 2016 £255.50 2017 £2600.40
    • shangaijimmy
    • By shangaijimmy 30th Jun 17, 10:15 AM
    • 2,702 Posts
    • 13,332 Thanks
    shangaijimmy
    Have a look at P2P. I opened a funding circle account 12 months ago to put some cash in that we won't touch for a good 20 years. And i have to say its been great. So much so that i keep adding to it. Currently yielding 7% and had no issues with 'bad debt'. I only threw £500 in to start just to see and i've steadily increased it to £1200.
    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
    • juststuff123
    • By juststuff123 1st Jul 17, 9:09 AM
    • 214 Posts
    • 633 Thanks
    juststuff123
    Thanks shangaijimmy, I have about £1100 in funding circle myself. So yes I could add a bit more to that...Something to think about.
    NEW GOAL Ė Mortgage Balance £0k & £50k Savings by Feb 2020
    MORTGAGE: Ė £18523 / £0
    SAVINGS: Ė £47875 / £50000
    CREDIT CARD: Ė £8001 / £0
    COMPLETE - MFW & DFW - Goal - Debt Neutral Ė COMPLETE
    2018 MFW #152: £8,000/£26,100 / MFiT-T4 #80: £27,209/£45,232
    • juststuff123
    • By juststuff123 31st Jul 17, 2:59 PM
    • 214 Posts
    • 633 Thanks
    juststuff123
    Thanks for popping by Kittenkirst & Shangaijimmy!

    Itís been a busy old month for me. I came to a decision about the extra money I mentioned in last monthís post. I decided to spread it around, £1000 off the mortgage, £1000 into funding circle & £2500 into 5 different investment funds.

    I sorted my car insurance. I thought I was being organised and sorting it well in advance but I only had 14 days to provide proof of my no claims discount which wonít be issued until my current policy expires (longer than 14 days) So now Iím being chased and threatened with cancellation! Well I asked them to make a note on my file and hopefully Itíll work out. I was very disappointed though, the cheapest policy I could get; I couldnít get cashback for; other policies were more expensive even with cashback but it does bother me to have to pay full price!

    Our company hasnít done very well this year so it doesnít look like Iíll be getting a bonus this year. Certainly not this month. It means my new goals may well now be out of reach, but Iíll just have to tighten my belt a little bit and see what happens. They still havenít told us what the new scheme will be either. The new directors just donít seem to be able to make any decisions. We had an anonymous survey at work to find out why company morale was so low, as although I was the first to crack, a couple of others since me have gone off with stress and there are many others at breaking point. And the ineffective Directors was one of the points raised (among many others) Theyíve been given the report so weíll see if they actually do anything about it Ė I doubt it. I imagine the middle managers will pay the price for it.

    I helped a friend with her home budgeting at the beginning of the month. I checked in on her a couple of weeks later and so far, so good. Iíve booked a day course in August about starting your own business. Iím looking into the potential of paid to help people learn how to budget to achieve their own goals. It might be a nice little side business, Iíll just have to see. I wonít really have any start-up expenses so if it doesnít pan out itís no great loss.

    I went to see Midsummer Nightís Dream at an outdoor garden. It was wonderful & we had a picnic. There were only 4 actors so they each had several parts but it worked well and it was very funny with a bit of audience participation. I look forward to going back next year to see them again!

    I went to an aerial arts show a couple of weeks ago, all the acts were impressive and varied. And the final act was a comedienne who came onto stage with Hat, Heels and nothing else!

    An old friend came for a visit at the weekend we went to a local food festival & spent a day visiting a National Trust house/museum. It was a lovely time.

    See yíall next month!

    My Updated Signature:

    NEW GOAL Ė Mortgage Balance £0k & £40k Savings by Feb 2019
    MORTGAGE: Ė £35015 / £0
    SAVINGS: Ė £45363 / £40000
    CREDIT CARD: Ė £722 / £0
    NEW GOAL Ė Mortgage Balance £0k & £50k Savings by Feb 2020
    MORTGAGE: Ė £18523 / £0
    SAVINGS: Ė £47875 / £50000
    CREDIT CARD: Ė £8001 / £0
    COMPLETE - MFW & DFW - Goal - Debt Neutral Ė COMPLETE
    2018 MFW #152: £8,000/£26,100 / MFiT-T4 #80: £27,209/£45,232
    • SuperSecretSquirrel
    • By SuperSecretSquirrel 1st Aug 17, 10:23 AM
    • 682 Posts
    • 3,054 Thanks
    SuperSecretSquirrel
    Nice update juststuff. I especially like the sound of your side business, good luck with that I also quite like the sound of that comedienne

    Mtg [2013 £64k|2014 £51k|2015 £38k|2016 £26k|2017 14k] Zero!
    MN [2013-£25k|2014-£2k|2015+£16k|2016+£34k|2017+£52k] +£55,209.85 (MFiT4:+60k)
    NW [2013 £126k|2014 £156k|2015 £190k|2016 £228k|2017 £269k] £274,532.45 (2020:300k)
    FI [2013 -1.2%|2014 2.8%|2015 6.9%|2016 13%|2017 18%] 30.0% (exc SP)
    • juststuff123
    • By juststuff123 2nd Sep 17, 4:47 PM
    • 214 Posts
    • 633 Thanks
    juststuff123
    Hi Gang,

    Hey Squirrel glad to see you popping by....

    Itís September already, where does the time go? So, letís see what happened in the last month? Well, I found out I wouldnít be getting a bonus this year. The company hasnít done particularly well so itís disappointing but understandable. I was told 3 years ago that this year (August 2017) Iíd be getting a £2000 pay rise Ďset in stoneíÖ they went back on their word and now itís £1000 this year and £1000 next year. Again, I can almost understand it but what really tipped me over the edge was finding out about it less 3 weeks before payday. Iím not even sure if thatís legal? How can the directors be so incompetent?? Any way as a result of these setbacks Iíve had to review my goal and change it from £40k savings to £30k savings in Feb 2019.

    I pre-paid my service and MOT last month for the work due this month. And transferred some money from my Home account to my new business account (for insurance etc) So my budget is looking very red at the moment! I did a start-up business course, the marketing section was really quite overwhelming, I had to put the whole idea on hold for a while whilst I let all the information sink in. I did but a card payment machine though.

    I went to watch my friends in a pole show. All the acts were fantastic. And I went to see Alice in Wonderland at an outdoor theatre and picnic. It wasnít very good Ė it was aimed at children but the picnic was nice.

    My sister got engaged last month! Her ring is a real piece of bling. And even better; her fianc! bought it from someone who didnít end up proposing so he got it for about 25% market value! I didnít really want to be my younger sisterís bridesmaid, but Iím going to be a witness and at the moment my title is coordinator but Iím sure I can come up with something better. Iíve already bought my dress (30% off) I do have to get it shortened considerably though. They are having a small registry thing in May next year, but theyíre having the proper party / ceremony next September. Weíre going wedding dress shopping next week.

    Any way I think thatís it for last month, Iíll see you guys next month

    My updated signature
    NEW GOAL Ė Mortgage Balance £0k & £30k Savings by Feb 2019
    MORTGAGE: Ė £34480 / £0
    SAVINGS: Ė £46391 / £30000
    CREDIT CARD: Ė £1129 / £0
    NEW GOAL Ė Mortgage Balance £0k & £50k Savings by Feb 2020
    MORTGAGE: Ė £18523 / £0
    SAVINGS: Ė £47875 / £50000
    CREDIT CARD: Ė £8001 / £0
    COMPLETE - MFW & DFW - Goal - Debt Neutral Ė COMPLETE
    2018 MFW #152: £8,000/£26,100 / MFiT-T4 #80: £27,209/£45,232
    • juststuff123
    • By juststuff123 3rd Oct 17, 2:27 PM
    • 214 Posts
    • 633 Thanks
    juststuff123
    Hey Hey MSEers

    I'm a bit late this month. September's been hectic. But I'll keep it brief this month.

    I went to the local History festival - lots of different lectures in the evenings.

    I was bridesmaid for a friends wedding - she was not well organised!! But she made it down the isle and seemed to enjoy the day so i'd call it a success!

    I had my Car MOT & Service they called to say it failed on some minor things; they fixed them but forgot to charge me. Result!!

    I started back at Hoop - a new class much closer to home. It's more expensive but it's a 10 min drive rather than 50 each way. I/m very sore today!

    I'm back at work full time which means I must be a lot better.

    I've done the bulk of my Christmas shopping already. Just a few small bits and bobs to go!

    My trousers and scales have been conspiring against me so I'm on a diet. Lets hope I can be disciplined!!

    Anyway that's it for this months folks. See you in a few weeks!

    My updated signature
    NEW GOAL !!!8211; Mortgage Balance £0k & £30k Savings by Feb 2019
    MORTGAGE: !!!8211; £33942 / £0
    SAVINGS: !!!8211; £47387 / £30000
    CREDIT CARD: !!!8211; £1909 / £0
    NEW GOAL Ė Mortgage Balance £0k & £50k Savings by Feb 2020
    MORTGAGE: Ė £18523 / £0
    SAVINGS: Ė £47875 / £50000
    CREDIT CARD: Ė £8001 / £0
    COMPLETE - MFW & DFW - Goal - Debt Neutral Ė COMPLETE
    2018 MFW #152: £8,000/£26,100 / MFiT-T4 #80: £27,209/£45,232
    • juststuff123
    • By juststuff123 1st Nov 17, 10:44 AM
    • 214 Posts
    • 633 Thanks
    juststuff123
    Hi Gang!

    I'm rethinking my goals at the moments (again!) I really need to pick one and stick to it. I may change to Mortgage Balance £0k & £50k Savings by Feb 2020 but I'll leave it as it is for now.

    My Lloyds regular saver matured this month. I moved the money out and planned to open a new one like usual but I noticed they dropped the interest rate from 3% to 2.5% so I decided it was no longer worth my while and I only really kept the Lloyds current account (2%) for the monthly saver so when I saw Martinís newsletter I decided to switch my Lloyds bank account to the B App thing and get £250 it will complete next month. (hopefully after I get my 6 free Lloyds cinema tickets). Iíll probably put the excess money into my mortgage next month but I havenít entirely decided yet.

    So the bulk of my Christmas shopping is done. There will only be a few bits and pieces to get closer to the date. And earlier this month we had an early Christmas because my sister will be out of the country on the actual day. I much prefer this one to the real one. We donít have to get presents and itís much more relaxed!

    I used some free cinema tickets to see Thor at the weekend. It was very good, but I canít really get my head around a Thor with short hair and no hammer!

    I bought and installed (oo get me!) a new timer for my gas boiler. Itís been really quite mild so far this year. Usually by the end of October Iíve caved and started to put the heating on. This year Iím gonna see how long I can leave it!

    Iím off to Rome in a couple of weeks so I bought myself a phrase book and Iíve been trying to learn a little bit if Italian. Unfortunately, it turns out Iím useless at languages! Still Iím sure Iíll get my with ďGraciasĒ and a lot of miming!

    I went to Frankfurt on a work trip this month. It was tiring but it was nice to have a break from the office. We had a new lady start work in our dept. this month. She seems nice and bright so fingers crossed sheíll stick around for a little while! We got some news at work that we may get a bonus after all. I wonít get my hopes up though. (but it would be nice). And weíve sorted our office xmas do. Weíre off to a steak house so Iím looking forward to that. There was a Raffle at work arranged by one of the cleaners he a learning difficulties and it was to raise money for his special needs social club. I donated quite a few unwanted gifts and bought £1 tickets. I won a Rugby T-shirt worth £50 and a little figurine worth about £15 on eBay. So I'd say I lucked out there. I'm not fussed about either prize I may try to sell the figurine I may give the shirt away, I haven't decided yet.

    So in breaking news yesterday I was offered a new job completely out of the blue! It's only 2 hrs a week so I can't quit my day job but it's to become an Aerial Hoop instructor, I'll get trained up, paid and they'll also pay for me to continue to take lessons myself! I'm excited but very scared. It's a big responsibility! I start my training straight away.

    See you all next month!

    My updated signature
    NEW GOAL Ė Mortgage Balance £0k & £30k Savings by Feb 2019
    MORTGAGE: Ė £33406 / £0
    SAVINGS: Ė £49062 / £30000
    CREDIT CARD: Ė £2118 / £0
    NEW GOAL Ė Mortgage Balance £0k & £50k Savings by Feb 2020
    MORTGAGE: Ė £18523 / £0
    SAVINGS: Ė £47875 / £50000
    CREDIT CARD: Ė £8001 / £0
    COMPLETE - MFW & DFW - Goal - Debt Neutral Ė COMPLETE
    2018 MFW #152: £8,000/£26,100 / MFiT-T4 #80: £27,209/£45,232
    • juststuff123
    • By juststuff123 30th Nov 17, 5:15 PM
    • 214 Posts
    • 633 Thanks
    juststuff123
    Hello MSEers

    Looking back, it!!!8217;s been a busy old month. Where to start? Money first.

    My mortgage interest rate goes up tomorrow but my actual required payments go down due to my previous overpayments. I!!!8217;ve adjusted my overpayment to compensate. I also decided to dump an extra £7000 in the pot this month. I may put a couple more in next month. I!!!8217;ve had enough of this mortgage now, I want it done!

    I got paid a Bonus at work this month. We!!!8217;d been told we weren!!!8217;t getting one so this really is a nice addition!
    My 1st Direct regular saver matured today. A new one has already been set up!

    All my xmas shopping is done and wrapped bar a bag of oranges, a couple of poinsettias and a couple of bottles of bubbly. Yep I!!!8217;m feeling smug!

    The switch from Lloyds to B app went smoothly and I still got my free cinema tickets! I used two already to see Murder on the Orient Express and Justice League. I was hoping to see Paddington at the weekend but somethings come up and I!!!8217;ll have to see it later instead. I had a nice birthday, I got Lego! My Birthday Paddington treat has had to be delayed a week but it can!!!8217;t be helped I have dress rehearsals.

    My Hoop Instructor training has been going well. I said I!!!8217;d perform in a showcase in a couple of weeks so I!!!8217;ve desperately been trying to learn a routine !!!8211; Eeek I really hope I don!!!8217;t screw up! I!!!8217;ve decided to take an extra online course too so I!!!8217;ll book it in January.

    I went to Rome for a weekend with a friend. It was great, I can recommend it. We took a day trip to Pompeii and saw all the main Rome attractions. The only downside was that I had to leave my friend there for an extra day because she lost her passport !!!8211; Nightmare!!

    But all in all it's been a good month. See you all after Christmas!

    As usual here are my vital stats:

    NEW GOAL !!!8211; Mortgage Balance £0k & £30k Savings by Feb 2019
    MORTGAGE: !!!8211; £26366 / £0
    SAVINGS: !!!8211; £44388 / £30000
    CREDIT CARD: !!!8211; £2393 / £0
    Last edited by juststuff123; 31-12-2017 at 5:35 PM.
    NEW GOAL Ė Mortgage Balance £0k & £50k Savings by Feb 2020
    MORTGAGE: Ė £18523 / £0
    SAVINGS: Ė £47875 / £50000
    CREDIT CARD: Ė £8001 / £0
    COMPLETE - MFW & DFW - Goal - Debt Neutral Ė COMPLETE
    2018 MFW #152: £8,000/£26,100 / MFiT-T4 #80: £27,209/£45,232
    • juststuff123
    • By juststuff123 31st Dec 17, 4:05 PM
    • 214 Posts
    • 633 Thanks
    juststuff123
    Happy New year MSE!!!8217;ers. Has everyone decided their money saving new year!!!8217;s resolutions? I joined the 2018 MFwannabes with a goal of £14k to pay off the mortgage for the year. Let!!!8217;s see if I can smash that!

    I!!!8217;ll keep this update brief:

    I bought an online Hoop training course & my Hoop Instructor insurance this month ready for me to teach in the new year. I had planned to do some training but I!!!8217;m hoping the couple of weeks off will give my wrists time to heal a bit before I get back to it instead. I really need to get on with my lesson planning though. The showcase went well. Everyone was very positive about my routine and no-one seemed to notice that it was the worse I!!!8217;d performed it!

    I survived Christmas and the annual family get together! Not much more to say on that topic. Although I thought of the perfect gift for Mum & Dad too late for this Christmas but it does mean next year should be easier! They were both very tricky this year.

    I went to see the Greatest Showman with some friends earlier this week. I!!!8217;m not a huge fan of musicals but I really did enjoy this one. Perhaps because it was based on a circus!

    I gave blood a few days ago. Fingers crossed they left me some iron & B vits this time.

    I!!!8217;ve been preparing my 18/19 budget to start in April, I haven!!!8217;t adjusted much from last year actually. I!!!8217;ve been looking at little holidays in Iceland but it!!!8217;s pretty expensive so I also looked at Marrakech which is a bit friendlier on the purse. I!!!8217;ve set some holiday money aside and I!!!8217;ll decide later.

    My updated signature
    NEW GOAL !!!8211; Mortgage Balance £0k & £50k Savings by Feb 2020
    MORTGAGE: !!!8211; £25821 / £0
    SAVINGS: !!!8211; £46454 / £50000
    CREDIT CARD: !!!8211; £3265 / £0

    GOOD LUCK EVERYONE AND HAVE A WONDERFUL 2018
    Last edited by juststuff123; 31-12-2017 at 5:36 PM.
    NEW GOAL Ė Mortgage Balance £0k & £50k Savings by Feb 2020
    MORTGAGE: Ė £18523 / £0
    SAVINGS: Ė £47875 / £50000
    CREDIT CARD: Ė £8001 / £0
    COMPLETE - MFW & DFW - Goal - Debt Neutral Ė COMPLETE
    2018 MFW #152: £8,000/£26,100 / MFiT-T4 #80: £27,209/£45,232
    • juststuff123
    • By juststuff123 2nd Feb 18, 6:05 PM
    • 214 Posts
    • 633 Thanks
    juststuff123
    A little bit late this month but never mind..

    So what I have I done this month? Well moneywise not all that much. I got new contents insurance and planned that budget for the communal flats budget. Oh yeh my P2P provider now has ISA options so Iíve just converted my regular P2P account to an Isa.

    I've changed my goal from
    Ė Mortgage Balance £0k & £30k Savings by Feb 2019
    to
    Ė Mortgage Balance £0k & £50k Savings by Feb 2020

    I started teaching hoop, so far, itís going well, no oneís died and everyone has left the class smiling so Iím taking that as a positive. Iím upping my hrs from 2 to 4hrs per week for the next month fingers crossed people will continue to show up! Iíve applied for self-assessment so thatís going to be an experience come April! Iíve already worked out what I think my tax is going to be and after all that for 3 months of work Iíll take home £10. I did have a lot of start-up costs so I should start making an actual profit in April.

    The teachers took a trip to another aerial school to have a play on their equipment and learn some new moves. I pulled a muscle in my behind. Itís been 3 weeks and itís not properly healed yet hopefully it will be by the time we go back in March. Iíve also ordered studio hoodies for all the instructors (Itís a surprise for the boss). Iím not sure how I ended up with the job. But I got a good price and the mock ups look good so I canít wait to see how they turn out.

    I went to visit a friend in Cardiff. We went to the park with her little son and had a nice day out.

    We got new iPhones at work. I love the fingerprint ID feature and the fact that I have more than 5GB of storage!

    I had my bi-annual eye test. I need to get new glasses, theyíre so expensive and I have a weird small head so Iíve been putting it off. Iíll have to get on with it this month though.

    Iíve also been sorting the flowers for my sisterís wedding. I found a lady who grows her own, I just need to work out what we need. Iíve been trying to find a dress. Iíve already ordered and returned 3 dresses with 2 more on route.

    Anyway I think thatís it so Iíll leave my normal update and see you all next month.

    My updated signature
    NEW GOAL Ė Mortgage Balance £0k & £50k Savings by Feb 2020
    MORTGAGE: Ė £25274 / £0
    SAVINGS: Ė £47843 / £50000
    CREDIT CARD: Ė £4059 / £0
    NEW GOAL Ė Mortgage Balance £0k & £50k Savings by Feb 2020
    MORTGAGE: Ė £18523 / £0
    SAVINGS: Ė £47875 / £50000
    CREDIT CARD: Ė £8001 / £0
    COMPLETE - MFW & DFW - Goal - Debt Neutral Ė COMPLETE
    2018 MFW #152: £8,000/£26,100 / MFiT-T4 #80: £27,209/£45,232
    • Jelllibeanz
    • By Jelllibeanz 3rd Feb 18, 6:58 PM
    • 156 Posts
    • 371 Thanks
    Jelllibeanz
    Well done you.

    Thank you for an interesting read and food for thought x
    Aiming for more consistency in 2018
    Mortgage '09 = £103k Feb '17 =£79.9k, Aug 17 = £69k
    #105 £460/£3520 credit card at 0%, #10 penny a day challenge £12/£667
    Wombling Our Way to Wealth 2018 £35.39, Jan's bring your lunch to work 5/20
    • juststuff123
    • By juststuff123 2nd Mar 18, 10:22 AM
    • 214 Posts
    • 633 Thanks
    juststuff123
    Thanks for popping by Jelllibeanz!

    It's a SNOW DAY YAY! Although It's really not as bad here as they said it would be. The wind is more of a problem for me, the Easterly direction hit's my windows in just the wrong way that it sounds like someone is standing in the room with a party blower! I've had to move into the spare room until it changes direction!

    So what did I do last month? Well under the heading fun stuff, I went to see forbidden nights with some friends, I have to say I was a bit disappointed, I thought it was going to be hunky, gritty Circus acts but it was more cheesy strippers and I got stuck behind a woman with giant hair! Meeting up with the girls was fun though.

    I've signed up and paid almost £2000 to learn to teach Pilates, I'm just waiting for the paperwork to come through, that's hit my balance this month pretty hard, I've put it on the 0% credit card for now but it does mean I'm going to have to start to look for a new one to put new spending on. (I stooze). I plan to pay it off with the money I earn Hoop teaching.

    I've just arranged a switch to Halif@x to get the £125 switching money. not as my main account, purely for the cash.

    I tried to switch broadband this month but it's been a real pain in the bottom. Sky (my current provider) said there is nothing wrong at their end, but talk talk are insisting I can't keep my existing number, first they said it was a problem with open reach, and that they would raise a case to get it sorted, when I called back another woman said that because I'd been with talk talk in the past with this number they wouldn't be able to take it back again which sounds utterly ridiculous to me! Has anyone else ever had any problems. I think it must be an open reach thing since I remember trying to switch to EE a couple of years ago and getting stuck, but I don't have a contact number for them. So anyway I'm stuck with Sky for the time being until I work out how to fix this.

    I paid for my share of my sister's Hen do, were not especially close and to be honest it really doesn't sound like I'm going to enjoy it much (they had to change plans for financial and logistic reasons) I'm half leaning towards not going, paying my share so the girls can still do what the want but just skipping it. I don't know.

    I did a first aid course this week, it was very interesting and it means I can get extra 'shifts' supervising pole play at the studio where I teach hoop.

    Here is my regular update:

    NEW GOAL: - Mortgage Balance £0k & £50k Savings by Feb 2020
    MORTGAGE: - £24727 / £0
    SAVINGS: - £48374 / £50000
    CREDIT CARD: - £6061 / £0
    Last edited by juststuff123; 03-03-2018 at 2:53 PM.
    NEW GOAL Ė Mortgage Balance £0k & £50k Savings by Feb 2020
    MORTGAGE: Ė £18523 / £0
    SAVINGS: Ė £47875 / £50000
    CREDIT CARD: Ė £8001 / £0
    COMPLETE - MFW & DFW - Goal - Debt Neutral Ė COMPLETE
    2018 MFW #152: £8,000/£26,100 / MFiT-T4 #80: £27,209/£45,232
    • selloptape
    • By selloptape 2nd Mar 18, 9:44 PM
    • 456 Posts
    • 1,877 Thanks
    selloptape
    Amazing goals and progress!
    GC May £78.51/£290 GC April £240.65/£300March £322.53/£350
    £2 Savers Club #59 £58
    MFW 2018 #49 £600/£3,000
    MFiT T4 #21 - reduce mortgage by £20k over 3 years
    • juststuff123
    • By juststuff123 1st Apr 18, 9:29 AM
    • 214 Posts
    • 633 Thanks
    juststuff123
    Thanks Sellotape, I can see the light at the end of the tunnel!

    Happy Easter Folks!

    I'll try to keep it brief this month!

    I had a tidy up of my little interest accounts as well as Medicash, Topcashback & Quidco. And I got a new credit card (0% for stoozing of course). All the spreadsheets are up to date and the new ones are prepared for my new financial year (starting today).

    I had to take my car to the garage, it's been broken since I bought it years ago, but whenever I took it to the mechanics in the past they dismissed it. Losing 1 Ĺ litres of water from the radiator a month isn't right! So new garage, new diagnosis, new radiator and my pockets almost £300 lighter!

    I went shopping with my Ma, bought 2 dresses for my sister's wedding and returned them both. I found a different dress and I've just had the alterations done (shortening).

    I went to a Hula Hoop workshop, it was good fun and nice to try something new.

    I started studying anatomy for my Pilates course, It's so difficult, it's like a new language! Someone recommended and anatomy colouring book to help with remembering. I've ordered one so hopefully it'll do the trick.

    That's me done for the month. Try not to eat too much chocolate! See you next month.

    My monthly figures:

    NEW GOAL - Mortgage Balance £0k & £50k Savings by Feb 2020
    MORTGAGE: - £24173 / £0
    SAVINGS: - £51357 / £50000
    CREDIT CARD: - £7880 / £0
    Last edited by juststuff123; 01-04-2018 at 9:42 AM.
    NEW GOAL Ė Mortgage Balance £0k & £50k Savings by Feb 2020
    MORTGAGE: Ė £18523 / £0
    SAVINGS: Ė £47875 / £50000
    CREDIT CARD: Ė £8001 / £0
    COMPLETE - MFW & DFW - Goal - Debt Neutral Ė COMPLETE
    2018 MFW #152: £8,000/£26,100 / MFiT-T4 #80: £27,209/£45,232
    • gallygirl
    • By gallygirl 1st Apr 18, 10:01 AM
    • 16,586 Posts
    • 109,529 Thanks
    gallygirl

    Someone recommended and anatomy colouring book to help with remembering. I've ordered one so hopefully it'll do the trick.
    Originally posted by juststuff123


    What a brilliant idea, hope it works .
    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"
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