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    • Moneyfordreams
    • By Moneyfordreams 5th Nov 15, 11:32 AM
    • 1,090Posts
    • 5,420Thanks
    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

    OH
    July 2018 =1400
    August +200= 1600
    September +200 =1800
    Last edited by Moneyfordreams; 15-09-2018 at 7:58 AM. Reason: to add link
Page 36
    • Moneyfordreams
    • By Moneyfordreams 6th Sep 18, 7:14 PM
    • 1,090 Posts
    • 5,420 Thanks
    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
    and kitchen 3k
    and front doors …. 3k? internal and external
    external brickwork / render/pebbledash tart up 2k
    Mortgage restart June 2018 119950
    zero personal cc
    6x166 for sofas ending November 2018
    2500 on DD1s car cc
    • Moneyfordreams
    • By Moneyfordreams 7th Sep 18, 7:28 PM
    • 1,090 Posts
    • 5,420 Thanks
    Moneyfordreams
    Another night shift tonight. Last nights was ok , I didn't get the 4am-5am dip Bit of a mixed sleep today. I didn't get up properly until 3pm (from 08.45)

    This week personal training was seemingly easy on the day, the most uncomfortable part being the post session photos My stomach however has been killing me since... I've had a bit of an annoying cough this last week, not unwell just cough... every time I cough or laugh I am doubled up... The trainer has pointed out (obviously) that although my exercise is fantastic its what I am eating that's the problem.... I know 2 small choc bars and 2 packets of crisps a night is wrong... adding in wine twice a week my weight has been static... still 2 stone to go , but half a stone better than earlier in the year. I've told her before I don't think I'm a failure for making the odd cake, but shock tactics have worked a bit … 2 days calorie counting

    Anyhow, I've just returned from the gym all before night shift too. I need the mental positivity shift I had to help me drop a few sizes. I'm 5'2" and 18 top 16 bottom.... matronly (without the stress or salary )
    Mortgage restart June 2018 119950
    zero personal cc
    6x166 for sofas ending November 2018
    2500 on DD1s car cc
    • jodles16
    • By jodles16 7th Sep 18, 9:58 PM
    • 1,352 Posts
    • 4,035 Thanks
    jodles16
    Hey MFD,


    Long time no see! I am so impressed with all that has happened since I last checked in! Amazing!



    I am trying to learn moderation in order to lose weight, an odd choccy bar or glass of wine is part of living IMHO Well done on the weight loss so far!


    Looking forward to keeping up this time!


    Jodles
    MFW2017 #29 1200.24/4524
    MFiT #66
    Overall aim 10,124.20/21,743 (156,000)
    2016- Jan-177,472, Apr-173,195.04, July- 171,417.47 Oct- 169,366
    2017- Jan- 167,347.80 Apr- July- Oct-

    • Moneyfordreams
    • By Moneyfordreams 12th Sep 18, 5:05 PM
    • 1,090 Posts
    • 5,420 Thanks
    Moneyfordreams
    Hi Jodles, welcome back

    The things is I'm a bit all or nothing,,, binge fast... with everything

    More happy quotes today.... the fireplace company have quoted us 3200 to supply and fit both gas fire and log burner ..... they can't fit until october though We did change to the cheaper hole in the wall gas jobby, and the log burner we chose and ex display for sale price..... they said the gave us 500 reduction due to getting both fires from the same company Really pleased but I hope my 0% offer card will still be available. (WOOOP 31st OCT)

    Bought a gorgeous little chair from fleabay for the dining room today... fairly impulsive today , although i did save the item a couple of weeks ago. N3xt brand I offered 80

    I think the flood gates have opened on the money front DD2 wanted a LEo D'caprio life size cut out 35. we promised her 360... her driving lessons today 220... so what to do with 140. OH wants to buy her a football top (urgh) ... I have got a weeny bit cross that he was off to buy her an extra present from himself.. which would then impact my budget by me topping him up , or him not taking me anywhere and me paying for everything... I think I may ask DD2 what does she want ? I want her to be prepared for not really anything to open ... she has invited our friends, 2 of her friends her BF and my sister for a birthday meal in a local indian restaurant ... 11 of us. now our friends footed the bill for thier DD last week (350including deposit) I know we will be expected to do the same.... so I'm not being mean for her birthday . just practical.
    Mortgage restart June 2018 119950
    zero personal cc
    6x166 for sofas ending November 2018
    2500 on DD1s car cc
    • CathT
    • By CathT 13th Sep 18, 6:46 AM
    • 5,708 Posts
    • 39,869 Thanks
    CathT
    Lots going on here mfd. That seems like a good quote for the fires. We considered a log
    Burner but without an existing chimney it was too expensive and we don't have access to cheap/free wood. We got a dimplex optimist fire though which looks fab.

    Great efforts with the weight training too. I've been doing weights at home but wondering whether to join the gym now so I can lift heavier. There's always an excuse/reason for me not to though (usually time and money). I completing my MSc this year so if I get a student card I may use that to my advantage. Good luck with your masters applications, my trust are funding mine.
    Sept 2018 -
    part 1 - 75,557
    part 2 - 44,913
    Total - 120,470
    • Moneyfordreams
    • By Moneyfordreams 15th Sep 18, 7:53 AM
    • 1,090 Posts
    • 5,420 Thanks
    Moneyfordreams
    its funny how you can make time I made gym time in my 20s and most of my 30s, just the last 10 yeas or so I hadn't made any until this year I suppose it's whatever is the priority... for me it was excuse not to when finances went awry, and injuries crept in. I did exercise in fits and starts, just not consistently. My problem is binge fast mentality with everything.

    I'm still waiting to hear if I can complete module. There is an October intake, so I gave manager a nudge yesterday. I do begrudge paying for it when they will benefit greatly. I'm quite autonomous in my role. The boundaries often get a bit blurred and quite often my notes say "discussed with" if it crosses over to the other specialties. It would back my decision making up as often the presenting problem expands upon assessment.

    Food shopping has been exceptionally good this month. I went to @ldi 28th August, then again 11th September. 29 and 22 (rounded up) . We've eaten healthily and well, proper meals (and snacks ) . My only YS items were seabass and 8 chick drumstick for 1 . We've only a standard fridge freezer in this house. I'm not quite sure how we've managed it freezer still got a good weeks worth of food in. OH has brought home the odd 10p loaf from his work. this morning I've got up to a ripped bag of 24 toilet rolls. I'm dying to find out how much they were(3.60 =15p roll ). We have DD2 here part time and take our own lunches to work , Tuna pasta anyone?

    Mind you my house and birthday spends are making me weep. We are of out this afternoon to see old uncle. He's having another chemo next week and is quite down. The oncologist said they aren't hopeful this time and it may just slow things for him He's my OHs father figure I suppose. DD2 wants to come. Gym later whilst football on then I'm hopefully shopping tomorrow before making DD2's birthday cake.

    DD1 has been published in hair magazine for local stars. She of to work with international company again on Monday and little GD started school last week.... yup it's all go
    Last edited by Moneyfordreams; 15-09-2018 at 1:06 PM.
    Mortgage restart June 2018 119950
    zero personal cc
    6x166 for sofas ending November 2018
    2500 on DD1s car cc
    • Moneyfordreams
    • By Moneyfordreams 16th Sep 18, 1:29 PM
    • 1,090 Posts
    • 5,420 Thanks
    Moneyfordreams
    My weekend off has been a washout... nearly all plans dropped... I've been sleeping. After yesterdays post I curled up on sofa and slept for 2 hours We did get to see uncle yesterday with OH and DD2. I was wide awake and energetic late into yesterday evening went to bed 2am... until midday trying to get myself together to go and buy birthday cake making ingredients. So reading diaries instead

    OH gone out to play bowls.. DGD coming around 4pm.. I'm working a long day tomorrow and DD2 is 21 on Tuesday, aiming to make the sponge today and decorate Tuesday. do not feel as if I can fit a gym session in before 6pm oh well … cake it is
    Mortgage restart June 2018 119950
    zero personal cc
    6x166 for sofas ending November 2018
    2500 on DD1s car cc
    • jodles16
    • By jodles16 16th Sep 18, 1:59 PM
    • 1,352 Posts
    • 4,035 Thanks
    jodles16
    Hi MFD,

    You are always such a busy bee, no wonder you are tired out today! Shame you have to do anything and cant just relax!

    at the thought of having to pay for food for 11people, surely not?!

    Well done on the continued good eating, it is so easy to binge, I am not a faster though, just the binge eater. Have been working hard on this!

    Jodles
    MFW2017 #29 1200.24/4524
    MFiT #66
    Overall aim 10,124.20/21,743 (156,000)
    2016- Jan-177,472, Apr-173,195.04, July- 171,417.47 Oct- 169,366
    2017- Jan- 167,347.80 Apr- July- Oct-

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