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  • FIRST POST
    • selloptape
    • By selloptape 11th Oct 15, 11:21 AM
    • 456Posts
    • 1,877Thanks
    selloptape
    Single mum - sink or swim!
    • #1
    • 11th Oct 15, 11:21 AM
    Single mum - sink or swim! 11th Oct 15 at 11:21 AM
    Hi everyone

    So firstly, thank you to everyone for posting your inspirational diaries! I've been lurking for a while and have loved popping in and reading your stories. I'm hoping that my own diary will help me stay focused and on track too

    I had a lightbulb moment earlier this year when I realised that my parents are retired and enjoying hobbies, volunteering, socialising etc but when I'm their age I'll still be in ft work paying my mortgage! This was a little depressing but after churning a few figures through the overpayment calculator (my new best friend, ha ha!) I've realised that I might be able to pay it off by the time I'm fifty if I overpay by £175 a month. Feeling much better now and just need to make this happen!

    X

    PS

    Here's my mortgage countdown, thought I'd add to the first post instead of my sig

    (Date - amount owing - % paid off - years left on term)

    Oct 2014 - £78,500 - nowt! - 30 years
    Oct 2015 - £76,686.30 - 2.31% - 28 years, 10 months
    Last edited by selloptape; 12-10-2015 at 11:30 PM. Reason: Forgot to put any info about the mortgage ;-)
    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
Page 6
    • hiddenshadow
    • By hiddenshadow 30th Dec 16, 1:19 PM
    • 2,479 Posts
    • 11,344 Thanks
    hiddenshadow
    Hope you both feel better soon!
    MFW: £197,100 (2013) to £100,646 (May '18)
    2018 MFW #56: £4,000/£105,000 3% / MFiT-T4 #15: £58,854/£90,000 65%
    • selloptape
    • By selloptape 4th Jan 17, 10:12 PM
    • 456 Posts
    • 1,877 Thanks
    selloptape
    In spite of colds I still dragged myself to a New Year's Eve party. Just lovely to see old friends and catch up. Definitely want to do more social things this year.

    Instead of a treat I'm going to add my Christmas money to my January op - still with annoying Spanish bank and can't op til later in the month.


    Jan OP

    £60 (money saved on night in)
    £1.50 (money saved on Xmas cards)
    £45 (estimate - enough petrol for 400 miles?)
    £125 - Xmas money
    5p x 1 (carrier bag tax saved)
    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
    • selloptape
    • By selloptape 7th Jan 17, 4:14 PM
    • 456 Posts
    • 1,877 Thanks
    selloptape
    Just having a very quiet dry January weekend at home... Have found myself single again this week so just trying to keep busy and not spend or eat too much. I'm definitely a comfort eater and spender.

    Things to feel positive about...
    • Stuck to my meal plan this week
    • Have started decluttering
    • Cliche but true - new year and new start ahead - feeling positive about life in general
    • Quite a few savings so far to add into the Jan OP

    Mini goals for next week...
    • Meal plan
    • Take lunches to work
    • Sell 5 items online
    • Apply for 1x new job
    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
    • mortgage_girl
    • By mortgage_girl 8th Jan 17, 2:10 PM
    • 852 Posts
    • 3,911 Thanks
    mortgage_girl
    Happy New Year sellotape. It's good to see you back. Don't worry about falling off the mfw bandwagon - we've all done it from time to time - just remember that with the effort you've already put in you're probably miles ahead of those who don't op, so don't be too hard on yourself.

    Sorry to hear that you're single again - try to focus on doing one nice little thing for yourself each day (think nice hot bubble bath, hot choc with marshmallows etc)

    Take care,

    MGx
    2018: £1313.85 / £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 April 2022

    • selloptape
    • By selloptape 23rd Feb 18, 11:05 PM
    • 456 Posts
    • 1,877 Thanks
    selloptape
    Was so tempted to start a new diary to pretend I hadn!!!8217;t been quite so flaky last year! !!!55357;!!!56904;

    No excuses - it!!!8217;s just very hard being a single parent of a teen. And I!!!8217;m fairly lucky as I!!!8217;m amicable with my ex.

    Still worked hard to cut back last year and did over pay £5k. Not too shabby even if I was struggling to make the time to pop back and update.

    Thanks for the lovely comment mortgage_girl, I do feel a little less pants even though it!!!8217;s from over a year ago !!!55357;!!!56838;
    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
    • selloptape
    • By selloptape 24th Feb 18, 1:10 PM
    • 456 Posts
    • 1,877 Thanks
    selloptape
    Had a lazy Saturday morning so far. Seem to spend a lot of time at weekends recharging after hectic weeks at work. Would love to hear any tips on recharging and switching off!

    Mini goals for today -
    • 10,000 steps
    • Sort new life insurance, cancel old policies
    • Meal plan for the week
    • Motivate teenager to do homework
    • Clean bathroom
    • Make beds
    • T3sco shop
    • Sort all laundry
    • Sort receipt pile and update spend diary
    • ..... And relax
    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
    • selloptape
    • By selloptape 25th Feb 18, 11:05 PM
    • 456 Posts
    • 1,877 Thanks
    selloptape
    Been having a bit of an MFW ponder this eve.

    This year Iím aiming to OP £3k.

    Thatís £300 per month to find.

    This should be do-able

    March - OP money stashed so far - £263 - nearly there
    £100 overpayment returned by Student Loan Company
    £150 birthday money
    £2.50 tcb (still not sure how this works )
    £10.50 t3sco clubcard vouchers paid for shopping

    However - I really need to start thinking of the future - pensions, investments etc. Every few months I start to look into it and then become overwhelmed by info overload.
    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
    • selloptape
    • By selloptape 26th Feb 18, 11:02 PM
    • 456 Posts
    • 1,877 Thanks
    selloptape
    Today I made pack up AND I resisted the chocolate and crisp machine at work. Not bad for a Monday

    Am going to make pack up tomorrow. If Iím not snowed in...
    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
    • MeandO
    • By MeandO 27th Feb 18, 10:54 AM
    • 1,396 Posts
    • 6,754 Thanks
    MeandO
    Hi Sellotape

    Thought I'd pop by and say hello as you'd posted on my diary.

    It sounds like we have fairly parallel lives... I think we're about the same age with similar amounts left on the mortgage (although I think you're winning a bit on that one!) I'm a single Mum too, although I do have a lovely man of almost 2 years, but we don't live together and each have our own houses. My boy's about half the age of yours though, guess I have the joy of the teenage years to come! His Dad and I get on fairly amicably, although lately that's taken a lot of effort to do so!

    How's the dating front going? I dipped my toe into the world of online dating a few years back and it was a real eye opener! There's a few more crazies out there than I envisaged...

    I feel your pain on the 'not switching off' too... I think it's harder to do so when you're on your own evenings as there's no-one to distract you or talk about other things with. I try and keep busy and concentrate on other things. If I sit down, I start to think about things and it all goes a bit pete tong...

    Keeping an MSE diary definitely helps with motivation for all things financial though!

    Good luck with it all! x
    Last edited by MeandO; 27-02-2018 at 10:57 AM.
    Mortgage Feb 2015: £102,000 Mortgage now: £76,535
    2018 OP's: Jan:£129.26 Feb:£287 Mar:£150 Apr:£157.31 May:£164.19
    Emergency Fund: £850/£5000
    • selloptape
    • By selloptape 27th Feb 18, 11:06 PM
    • 456 Posts
    • 1,877 Thanks
    selloptape
    Hi MeandO! Lovely to hear from someone whoís in the same boat looks like we have a lot in common even down to staying amicable with our exes (maybe we deserve a medal for that one )

    So great that youíve met someone nice, Iím just having a break from dating, i find all the apps are full of the same faces... but maybe they think that when they see me

    Thanks for popping in - hopefully we can cheer each other on!
    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
    • selloptape
    • By selloptape 28th Feb 18, 9:26 PM
    • 456 Posts
    • 1,877 Thanks
    selloptape
    Iíve been struggling to keep the house warm in the cold weather - currently keeping all blinds and curtains shut all day to try and help hold some heat in. Need to find the duct tape to tape over the crack in the front door Also curled up with hot water bottle, a blanket and a cuppa to take the edge off. Not sure how I coped when I first moved out and had no central heating

    Payday today so an exciting evening of meal planning, in between nagging about homework.
    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
    • MeandO
    • By MeandO 1st Mar 18, 9:45 AM
    • 1,396 Posts
    • 6,754 Thanks
    MeandO
    Hi Sellotape,

    We definitely deserve a medal!

    I don't blame you for taking a break from the dating scene, I had done exactly the same when a mutual friend introduced OH and I. I'd had enough of the dramas of the dating scene!

    I feel your pain with the cold too. I moved from a new build to a really old house 15 months ago and I'm certainly feeling the difference in keeping it warm, especially my kitchen as the window hinges have gone and it doesn't shut properly so there's a constant breeze blowing in. I have some of that spongy insulating tape, I might just put a load of that around it later to see if it helps. Shutting doors of unused rooms and a rolled up towel at the bottom of doors for draughts helps a little.

    My son's school is closing early today due to the snow forecast. He's supposed to be with his Dad tonight, but his Dad lives further out and it has been affected by snow more so I'm tempted to just keep him with me. Guess it'll be movie afternoon if we do.

    Keep warm and good luck with the homework nagging! x
    Mortgage Feb 2015: £102,000 Mortgage now: £76,535
    2018 OP's: Jan:£129.26 Feb:£287 Mar:£150 Apr:£157.31 May:£164.19
    Emergency Fund: £850/£5000
    • selloptape
    • By selloptape 1st Mar 18, 8:23 PM
    • 456 Posts
    • 1,877 Thanks
    selloptape
    Thank you MeandO - my spare room is freezing, Iíd not thought of popping a rolled up towel at the bottom of the closed door. Am actually going to run up and do this now before I forget

    Iíve also thought of trying those heat reflector flappy things (I think thatís the official name ) for the upstairs radiators but not sure if they work or if itís a gimmick.
    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
    • pennystretcher
    • By pennystretcher 2nd Mar 18, 8:24 PM
    • 385 Posts
    • 1,447 Thanks
    pennystretcher
    The heat reflectors on the radiators do work you don't want to be heating the walls instead of your rooms

    Also, I use electric blankets a lot - warms you right up and no need to have the heating on in full blast. They are really cheap to use too. (Cheaper than keeping your hot water bottle warm in the long run..)
    Last edited by pennystretcher; 02-03-2018 at 8:28 PM.
    Mortgage free
    • selloptape
    • By selloptape 2nd Mar 18, 11:28 PM
    • 456 Posts
    • 1,877 Thanks
    selloptape
    Having a quiet night in watching trash tv and eating snacks

    It!!!8217;s a lot toastier at chateau selloptape this eve - the doors to the two colder rooms have been shut and draughts blocked. Possibly also helped by my teen having a snow day and having the heat on full blast all day.l.

    Now busy googling heat reflectors and electric blankets - thank you pennystretcher
    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
    • selloptape
    • By selloptape 5th Mar 18, 12:52 AM
    • 456 Posts
    • 1,877 Thanks
    selloptape
    Had a very quiet and non-spendy weekend. NSD on Saturday and just a small shop at Mr Ts on Sunday followed by a two hour ironing sesh and then scrubbing the mould patch off my bathroom ceiling. Good times! Told my son that I used to be fun and go out at weekends but he wasnít entirely convinced.

    Mini goals for the week
    • Get some sleep before work on Monday (why canít I sleep )
    • Stick to meal plan
    • 10k steps per day
    • Donít spend any money apart from essentials
    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
    • MeandO
    • By MeandO 5th Mar 18, 12:09 PM
    • 1,396 Posts
    • 6,754 Thanks
    MeandO
    If you find the sleep secret, please send some my way... I have the same issue!

    x
    Mortgage Feb 2015: £102,000 Mortgage now: £76,535
    2018 OP's: Jan:£129.26 Feb:£287 Mar:£150 Apr:£157.31 May:£164.19
    Emergency Fund: £850/£5000
    • selloptape
    • By selloptape 5th Mar 18, 6:39 PM
    • 456 Posts
    • 1,877 Thanks
    selloptape
    OH no - sorry to hear that MeandO - in my case I think it!!!8217;s just thinking about work on a Sunday night I might try giving up caffeine on a Sunday to see if that helps x
    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
    • hiddenshadow
    • By hiddenshadow 7th Mar 18, 11:29 AM
    • 2,479 Posts
    • 11,344 Thanks
    hiddenshadow
    OH no - sorry to hear that MeandO - in my case I think it!!!8217;s just thinking about work on a Sunday night I might try giving up caffeine on a Sunday to see if that helps x
    Originally posted by selloptape
    I haven't tried it, but I'm intrigued by Deliberate Worry Technique

    Basically you set aside a set time (far away from bedtime) to encourage your brain to dump all its thoughts, so that at bedtime you've conditioned it to be in rest mode as the worry part has already been done.

    I should give it a go soon, as I think my sleep habits have gotten worse lately.
    MFW: £197,100 (2013) to £100,646 (May '18)
    2018 MFW #56: £4,000/£105,000 3% / MFiT-T4 #15: £58,854/£90,000 65%
    • Tropically
    • By Tropically 7th Mar 18, 11:53 AM
    • 253 Posts
    • 742 Thanks
    Tropically
    I didn't know there was a name for it, but I have successfully done the Deliberate Worry Technique for years. It does help but you also have to turn your mind off successfully after you've finished worrying.
    Mortgage started at £318,000 in June 2016. Original MF - 2041
    2017 OPs: £7000/£7000
    Mortgage in Nov 2017 - £297,808
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