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  • FIRST POST
    • Moneyfordreams
    • By Moneyfordreams 5th Nov 15, 11:32 AM
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    Moneyfordreams
    In the nick of time
    • #1
    • 5th Nov 15, 11:32 AM
    In the nick of time 5th Nov 15 at 11:32 AM
    Hello,
    I been reading debt free diaries and mortgage free diaries since the summer and I have been hugely inspired and reassured my dreams are achievable.

    My husband was significantly in debt until 2 1/2 years ago through a failing business during the recession. Due to having equity in our home I was able (had to) to re-mortgage and pay off the debts. that's the simple version anyway.

    During the time when my husbands income was negligible we had a lodger. Unfortunately those basement rooms require about 5K worth of work and are currently unlettable. I hope either to save this money by the spring, or maybe withdraw some capital from my husbands small pensions. He gets about 200 pcm plus 800 wage. He has his own debt to pay until June next year, then I gain 120 to go towards the mortgage.

    I have a fairly good job and have always worked extra hours. My husband is working in a job on minimum wage. After many money related traumas and battles our relationship is fantastic.

    My aim is to retire at 55 if I can. I am going to go hell for leather to make this happen. We trimmed our expenses years ago. We have the occasional slip up and overspend in fact this year has been an overspend on some big items whist shopping at lld1.

    We have recently registered with airbnb to increase our income and may soon break even from initial outlay.

    Sold house March 2018

    Savings
    Rainy day 2000

    Short term goals
    Buy new home, pay down mortgage to < 100k by end of fixed deal June 2019 (looking less likely as spent 10 weeks in temporary accommodation)
    NEW HOME page 32

    KEY DATES
    Can access work pension 2025 (55 years)
    Have very small 2k private pension to close 2025
    DH state pension 2025, plus current pension of 200 pcm
    DH shares can be accessed from June 2020 and 2021but aim to cash them 2025
    my state pension 2037
    Official mortgage end 2030

    http://www.whatsthecost.com/snowball.aspx

    Mortgage OP
    June 2018 OP 278. 68
    June 30th OP 200.00 = 478.68
    July 2nd OP 34.14 = 512.82

    Long term savings shares/ISA (without interest/growth)
    Me
    July 2018 100 & 143
    August 2018 100 =343
    September 2018 +100 = 443
    October 2018 +100 = 543

    OH
    June 2018 1200 + 200 = 140
    July 2018 +200 = 1600
    August +200 = 1800
    September +200 =2000
    October +200 = 2200
    Last edited by Moneyfordreams; 06-10-2018 at 11:50 AM. Reason: to add link
Page 35
    • Busy Mee1
    • By Busy Mee1 25th Jul 18, 5:59 AM
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    Busy Mee1
    It sounds that this will be money well spent. At least it is 0% borrowing and will be spent on something tangible, i.e improving your home.
    • Moneyfordreams
    • By Moneyfordreams 25th Jul 18, 6:05 PM
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    Moneyfordreams
    Thank you Brizzle , Pinky pig and Busy mee1, I was expecting a few gasps maybe... but I am good at paying things back... I am good at earning... I'm just not good with patience There was very little property I liked when we opted for this one... I'm sure it will be fine in the long run, What we can do for 10k- 15k, the mark up would be double locally. Least I can't book a cruise now

    The bathroom being functional is getting ignored for now as my estimate price is 3k its quite reachable. Tree surgeon today has done a fantastic job. well 4 off them for 4 hours. They have left us a huge pile of logs for our proposed log burner... they even delivered some of the neighbours waste wood as they were chopping down next door but ones trees too .

    OH put off builder until tomorrow as OH was playing bowls and wanted to be here (I don't know why as he never gets what he wants We ( I ) have decided to lose a bit of the hall and bring out the right angle were the doors meet , to a diagonal to gain more kitchen / diner space... those couple of feet will make a big difference on the other side. Then glass doors to allow the light back...

    I have almost finished painting our fitted wardrobes. they were dark wood and to good to rip out. But they look loads better with a pale paint job. I've used rustoleum brand before and it gives an amazing finishing. So 40 to brighten the bedroom... That's just the start though
    Mortgage restart June 2018 119950
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    • Moneyfordreams
    • By Moneyfordreams 27th Jul 18, 12:03 PM
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    Moneyfordreams
    It's not payday until Monday, however I can see the pending payment online... Its 420 more than last month.. I don't know whether it includes back pay from due pay rise (I hope not ) but it should include an overtime shift and more weekends and nights than the previous month.

    A relief really what with planned spending I have answered a WhatsApp to do more ovies tomorrow. so that will be 2 for next months pay too

    This months extra costs as well as renovations are MOT/service and Surrey trip to sisters party. Seen as my DD1seems to be single again (weekly/monthly occurrence) she will be travelling down with us and I've stumped up for hotel

    The 1st builder who we thought could do a side job has said it will be better to get the boss out as we may need planning ( ARRGHH ) , he seems to think my diagonal door idea is not workable with the layout and need for steel , So the company fella is coming on Monday to assess for a wall knock down and bifold doors.

    Also on Monday we've booked a fire company to assess for a hole in the wall gas fire. I've paid 100 deposit for the fancy fire, however if we fail a smoke test and need to add stuff (cant remember what but it cost 395) I will drop to cheaper fire...They have said they will do a deal on the front room log burner too.

    Joiner in here today building trellis for the left of the garden. He did such a good job on the driveway fence and gates, I've shown him a picture and leaving him too it.

    I only had 4 hours sleep last night as I was worrying over spending a lot more on fire than planned... so up early, gym session and class done, sofa cushions scrubbed as have seemed grubby since storage .. I expect to crash later
    Mortgage restart June 2018 119950
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    • Moneyfordreams
    • By Moneyfordreams 29th Jul 18, 9:26 AM
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    Moneyfordreams
    Trellis looks amazing to us, I hope it does to next door too seen as it was their suggestion At least that's one job finished !!!8230; the back garden

    On hold really to see what tomorrow brings from the builders/glazers company, I really want to spend this money wisely , but I also know I get impatient. Last night sitting alone after OH went to work I was feeling unsettled and exposed in our sitting room. I put up the curtains I bought a month ago for a tenner from the charity shop. they are OK, only just fit but OK for now that will stop me splurging on a LauraAshley sale or a trip to Ikea !!!8230; After painting earlier in the week we have ground to a halt again A parcel arrived yesterday I need to pick up from the post office, I'm hoping its the bedroom wallpaper. Once the wallpaper is up we would only need new curtains and carpet to make the room look amazing. OH can still get carpets for cost. I may try to source new curtains from charity shop again

    All dressed for exercise but don't feel like leaving the house. I think I will do some weights and core at home then pick up a paint brush in the living room...
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    • Moneyfordreams
    • By Moneyfordreams 31st Jul 18, 9:49 AM
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    Moneyfordreams
    Sunday ended up being a day of the bay.... but buying not selling... I won an auction for bedroom curtains originally from nxt!!!8230; 24.00 they look amazing in in the pictures so hopefully they will be great on arrival. I ordered a hand held upholstery/carpet cleaner for 19.99.... I've since received an email to say this was from a rogue account and need to raise a claim for non-received goods

    Glazing company and fireplace company both came yesterday.. So before I move ahead with anything I need the glazing quote, I'm keeping fingers crossed for under 7k because thats how much we have. Although they have a 4 week wait so I could include next months salary if it's just out of reach The last doors fitted through this company were 3200, then reduced by 400 as we didn't need the lintel. At that time there was a qote to brick up a doorway for 400 that we didn't go for in the end. The glass would be 1 metre wider , plus knocking down a wall... Can you see I'm talking myself into it being affordable
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    • Moneyfordreams
    • By Moneyfordreams 5th Aug 18, 11:59 AM
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    Moneyfordreams
    The excitement of the beginning of the week has stalled as glazing company not yet sorted out quote. My DH phoned them and apparently they are waiting from a 3rd party quote.

    Lauraashley wallpaper has arrived but it is still packaged. we will finish stripping bedroom this week hope

    I'm still pending the refund for rogue trader, but at least it says pending.

    We've done 3 small shops totalling <60 this week whic is pretty much our standard weekly amount.

    Gym at least 3 times a week since April... still not sorted out my diet as I'm not losing weight, just the mental shift of feeling great... must be because I dont have a full length mirror
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    • Moneyfordreams
    • By Moneyfordreams 7th Aug 18, 2:21 PM
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    Moneyfordreams
    Window/door/wall quote was 2k over what I have/wanted to pay I'm in a quandary... save up for a couple of months, or DH's friend. now DH friend came today and put the fear of god into me talking about structural needs and surveyor and never being able to sell the house if a bad job was done... he said with the right drawings and weights from structural engineer he would be able to do the work we want at a couple grand less... he is a good builder and has built his own home....

    So Dh almost runs to the blinking S.E. before I've even got my kn!ckers out of the twist. By then I am thinking of the cheaper and easier option of just taking the internal wall down.... so he is cross with me that I questioned the need to book someone to come and do drawings and spend an extra 500 plus when builder friend said he had the info for the internal stuff....

    He's quite good at spending money

    Yesterday we took my diamond ring to the jewellers to sell. It cost $3000 in NYC 7 years ago. never wear it as each time I have a diamond falls out. I've always been lucky enough to find them however it was just wasted. So we got 370. Dh says 330 towards our trip south for my sisters party. The other 40 got swallowed up by city spending, I'd already given DH 50 ( 10 fares) This am we had 20 left in coins.... after buying breakfast stuff earlier there was 13 which I spent in HB for white spirit , paint brushes, drain covers... OH had a bit of a face on I asked for it back
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    • Moneyfordreams
    • By Moneyfordreams 7th Aug 18, 8:12 PM
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    Moneyfordreams
    MOT and service 176 !!!8230; phew
    It reassures us we can drive 600 miles next weekend for sisters party. We are taking DD1 and GD .

    OH looked really happy this teatime to finish steaming off the bedroom wallpaper working of his frustrations

    DD2 is away for a few days with the care home she works with... yay to less showers and food.

    Food for July was 220 for the 3 of us that includes toiletries and cleaning products , and alcohol if I buy it.

    I do sometimes wonder how my OH did manual work for so long. last week he put up a coat hook rack on a door ( 1920's panelling) he managed to put it half and half onto the door shape rather than the obvious across the central panel. Today he was putting on drain covers upside down
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    • Moneyfordreams
    • By Moneyfordreams 8th Aug 18, 10:04 PM
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    Moneyfordreams
    Structural Engineer came today, he was amazing (so was his name but must not say in case it outs me ) ... Lovely chat if nothing else , he was here 2 hours !!!8230;.. my OH and his mates are more likely to leg it if I start talking about my wants or ideas that I have no building knowledge about

    Anyhow, he informed us of all the potential structural ramifications and worries.... but he allowed me to ask all kinds of questions, and told us to get the drains fixed within a few years ( no need to remove old ones just divert , better and cheaper) .

    He is going to do a few drawings then once I decide which design he will move forward with 3D designs.

    Did go to gym 1st thing for weights class... and GD day for childcare... she is full on, not naughty.. just constant.. My ebay party dress is a little snug so I ordered another one which I won but is totally inappropriate .. at least it was only a fiver
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    • gallygirl
    • By gallygirl 9th Aug 18, 10:50 AM
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    gallygirl
    Structural Engineer came today, he was amazing (so was his name but must not say in case it outs me ) ... Lovely chat if nothing else , he was here 2 hours !!!8230;.. my OH and his mates are more likely to leg it if I start talking about my wants or ideas that I have no building knowledge about

    Anyhow, he informed us of all the potential structural ramifications and worries.... but he allowed me to ask all kinds of questions, and told us to get the drains fixed within a few years ( no need to remove old ones just divert , better and cheaper) .
    Originally posted by Moneyfordreams
    Sounds positive . I always tell builders what I want doing and when they say it can't be done I shrug my shoulders and say I want it doing anyway. Amazingly they always find a way, I now equate 'can't be done' with 'a bit hard, I'd have to use my brain and can't be *rsed'!
    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"
    • Moneyfordreams
    • By Moneyfordreams 11th Aug 18, 6:58 PM
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    Moneyfordreams
    That's true GG, the engineer said everything can be done for a price

    I'm back on night shifts and after poor sleep yesterday I "treated" myself to some nightnurse today and feel completely dopey... 9 hours sleep today... I think I've been carb loading since I got up which hasn't given me any energy at all.... My planned trip to the gym has fallen off, and I can barely pick up weights here. I'm sure I'll be grateful at 4am...

    I've ordered a couple of cheaper dresses for party next weekend which have been failures and a waste of money so I've bitten the bullet and ordered 2 dresses from JLewis on line , both on sale, onw 50% off and the other 66% reduced. I waiting for them to arrived. I am hoping to send one back but i'm never very good at that

    Eating from the freezer , lasst nights food was vegetable and lentil spicey mush... think tonight OH has bought me a reduced price ready meal
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    • greent
    • By greent 12th Aug 18, 9:07 PM
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    greent
    Hopefully (in the nicest way) - one dress will look much better on than the other - so then you won't mind sending the other one back to JL
    x
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 124616 01/10 104927 01/11 89873 01/12 76317 01/13 52546 01/14 35356 01/15 12133 07/15 NIL
    BTL Mtge 12/16 69786. 2018 OPs (#18) 6484.71/7500
    Net sales 2018 713.44/1000 PAYDOX18 (#15) Done 18918.90
    • Moneyfordreams
    • By Moneyfordreams 16th Aug 18, 3:42 PM
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    Moneyfordreams
    Oh no greent!!!8230; they both look great OH want me to were the long slinky one !!!8230; I like the knee length one... I'm still a dress size or 2 (or 3) over what I should be , but exercising so much has changed my body shape a bit and made me feel fabulous , so I don't care as much for being larger than I want IYSWIM
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    • Moneyfordreams
    • By Moneyfordreams 18th Aug 18, 7:47 AM
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    Moneyfordreams
    Off to the south today for my sisters party... We are quite looking forward to it.... obstacles are I need to dye my hair. planned for 8am OH got in from night shift 05.30, getting OH up planning to leave around 9am... DGD and DD1 coming.... 5 hours in a car with a 4 yr old

    Aiming to drive slowly in my 2010 car, newly serviced and MOTd so having some confidence, however that blinking engine fault light still on although the car has been examined half a dozen times since November last year ... A roads here I come !!!8230; Our mechanic says its fine for a long drive. fingers crossed !!!8230;. think a bit of me is looking for an excuse for a newer one but house needs mean another year before I pass this to OH.

    Work a bit weird... well I suppose no more than usual... some amazing cases this week that make you thankful. They have been doing planning and process mapping to change our hours... So this week I have done 3 versions of new hours rota that doesn't work... The simplest way is to bring twilight shift earlier and a shift a week of our current hours later.... hopefully the bosses will accept that... a few staff have been really angry as this is getting rushed in for winter without much consultation... let alone a consultation period I was most upset at 12hr night shifts !!!8230; 11 hours is quite enough
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    • julicorn
    • By julicorn 18th Aug 18, 8:01 AM
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    julicorn
    12 hour night shift sounds crazy! Fingers crossed they will listen to your suggestions.

    Have fun at your sister's party today!
    Original mortgage: December 2017, 203,495
    MFW start: April 2018, 201,800
    Current: 189,600
    • Moneyfordreams
    • By Moneyfordreams 22nd Aug 18, 4:29 PM
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    Moneyfordreams
    Thanks Julicorn, we had lots of fun... and lots of spending But car made it there and back no need for new one yet

    Still waiting to hear on the hours front... I feel the need to future proof myself and develop my practice and knowledge …. I have been asking the management to pay for a masters module for September... They paid for 2 colleagues earlier this year so I'm reluctant to shell out for it. They have expanded our roles and continue to move the boundaries by in house training... Winter is coming so I'm confident I can put it to good use. Unfortunately the PQF funding seems to have been slapped with austerity too , hence the begging bowl. I'm thinking of playing the waiting game, though and not jumping in to self fund.

    One week until payday and we've really overspent … looking forward to starting again next month. I'm not Oping whilst waiting for our renovations to be completed. Its bonkers to loan money ( CC) and OP at the mo. Next salary big bill is DD2s 21st birthday meal and present estimated 500.

    I was a but underwhelmed with the plans from structural engineer... pretty same to every other picture on rightmove kitchen diners... Anyhow... that said its made us say we will do the interior wall separately, as without underpinning I can't move the internal doorway. The plans he has given us retain a portion of the external wall which I had wanted removed to give a wider bifold door … 1/3 2/3 rule... its seems pointless paying for the superior plans when we can't do what I want done without structural worry... Builder friend coming Saturday to discuss.
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    • Moneyfordreams
    • By Moneyfordreams 31st Aug 18, 12:07 PM
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    Moneyfordreams
    Just lost a long post ;( probably because I washed dishes in between paragraphs

    Water bill better even though we had a burst pipe.. looks like water company have reduced my dd by 21 per month . The kitchen hot tap had rotted below and replacement by our plumber friend and a few hours work was 70.

    A few social needs this month going forward. Must see family member who has had bad news. and DD2s 21st plus family friend 21st (my friend and builders daughter )

    Builder will take wall down late October I need to email structural engineer for designs I actually want . back to the first plan A . however if too costly and time consuming builder will sort internal wall first with the prep for taking down the external wall at a later date.

    OH papered one wall of our bedroom yesterday. The was lots swearing and "this is garbage" rants, but I kept my cool and never shouted back. It looked good.... L@uraAshley 40 per roll sale price 13 per roll. He thinks we will have one roll over as there is only one wall and under the bay to do. tarting up our bedroom has been quite cost effective. I just hope the ebay curtains fit
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    • Moneyfordreams
    • By Moneyfordreams 3rd Sep 18, 11:21 AM
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    Moneyfordreams
    Still only one and 2/3rds walls papered I bedroom. Won't get finished today as hopefully exlodger coming to lay some loft boards. This means our spare room can be emptied and organised to fit clothes airer in freeing up the dining room of clothes

    Feeling very tired. I did 15000 steps in work yesterday. I had wanted to go to the gym but I'm still lounging around. My excuse is I can't hoover untill OH up from his (extra) night shift, therefore can't steam mop or even get into gym clothes as I (deliberately?) left them in the bedroom when I got up this morning

    I'm looking forward to the end of the month when our summer exessive spending just turns to house spending.
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    • Moneyfordreams
    • By Moneyfordreams 6th Sep 18, 5:54 PM
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    Moneyfordreams
    Bedroom still half done , funny I would never settled for that in my younger days... think that's why I did everything myself small room is cleared of treasures... DH has even put the printer in the loft in time for DD2 to print off her boarding cards … Oops needs stripping though.

    No numbers yet from Structural Engineer...... therefore no actual costings.....

    DD2s 21st is in a week and a half. our friends paid 300 for thier DDs birthday meal and we will have to do the same , there will be less people so hopefully less cost. Her 360 gift from us will pay for driving lessons. She has already booked them in for next week.

    I have decided to get cheaper gas fire fitted, however with all the flue linings it will still be 1500. We also wanted a log burner in the front room. The same company start their log burners at 2k. We have picked an ex display one (new in box for half price) to get a move on. The worry I had was paying for them and the other wok. I have decided to use this company for both as we get a little discount and I can then put it on a CC. I have just recieved another 0% deal. By the time it will be done, end of month ish/ end of next, Our last payment for sofas will be taken leaving no change in finacial outgoings... I can't remeber if I have said , I either should have gone for a house with less work or got more on the mortgage ( less deposit )

    I'm hoping the big spends should be over by May next year (oh yeah ) once this month is over I can, on paper, put aside 1500 per month at least..

    Cash to hand 7500
    Estimate for doors and wall 8k ( done in 2 halves)
    Drains 3.5k
    Bathroom 4k (basic start costs 500)

    Little fly in the ointment is its DH's 60th birthday next end of March... We both have 2 weeks AL booked and he has now decided he doesn't want a big holiday (phew although I keep getting tempted) Thinking of Krakow , so he can visit Auschwitz.... he want's to , honestly
    Last edited by Moneyfordreams; 06-09-2018 at 6:55 PM.
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    • Moneyfordreams
    • By Moneyfordreams 6th Sep 18, 7:01 PM
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    Moneyfordreams
    To add ,
    1) Fires end September
    2) Internal wall kitchen/diner removal our priority, end Oct likely.
    3) The drains are a priority as per SE's instructions to prevent structural damage.
    4) Internal bathroom wall DH can do, joiner and plimber electrician to build new door frame and move and replace broken radiator pre winter. (joiner coming tomorrow to price and plan ) soon as time allows. Plumber need to put timer on boiler too
    5) External dining wall/bifolds can wait until funds available hopeully March
    6) Bathroom full refurb May (ish)
    7) July new mortgage deal to hopefully overpay

    Forget to add bedroom and stairs and landing carpets oops again
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