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  • FIRST POST
    • EatingTheElephant
    • By EatingTheElephant 26th Jan 16, 7:50 PM
    • 1,336Posts
    • 7,270Thanks
    EatingTheElephant
    Time to get serious
    • #1
    • 26th Jan 16, 7:50 PM
    Time to get serious 26th Jan 16 at 7:50 PM
    Hello Everyone

    I have been reading this forum for quite a while now. There have been many mentions that a diary has helped many of you with your goals, so I'm here to join in and knuckle down.

    My oustanding mortgage is very small, that is not the real challenge!

    This year the mortgage will be gone, however we are really keen to move.

    Getting a mortgage for the type of house we want will be difficult, so the plan is to save as much as possible. It doesn't help that I am very impatient!!

    The initial focus is to clear the current mortgage and reduce the outgoings. On the 1st January it was £9400 and I was hoping to have it paid off by the end of the year. It is currently at £3900

    So far I have claimed credit back from energy suppliers, claimed outstanding expenses from the business and sent off scrap gold. Ate from the mealplan, there was lots of food left over from Christmas and used the nectar points at $ainsburys and T3sco points for food, claimed the cashback sitting in T0pCashback, scoured all the accounts to shuffle bits into the mortgage and bought virtually nothing all month (not sustainable I know!!).

    Off to hunt for the next financial area of focus....
Page 46
    • shangaijimmy
    • By shangaijimmy 30th Mar 18, 8:41 AM
    • 2,782 Posts
    • 13,893 Thanks
    shangaijimmy
    Congrats on DD1's job. Lemon drizzle gets my vote!
    MFW: Turning June 2036 into March 2025... 41//120 Payments Challenge, Diary Reduction £44,136.86
    Aug 2009: £163,051 // Current: £91,863.15 // Avg Daily Interest £4.13
    MFiT-T4 #8 - 80.74% of £41,000
    • Busy Mee1
    • By Busy Mee1 30th Mar 18, 8:41 AM
    • 689 Posts
    • 3,180 Thanks
    Busy Mee1
    Happy Easter ETE....I may have also accidentally eaten one or two eggs this week ( of the creme variety ) I am on a serious diet from Tuesday !
    Have a lovely weekend
    • EatingTheElephant
    • By EatingTheElephant 30th Mar 18, 8:47 AM
    • 1,336 Posts
    • 7,270 Thanks
    EatingTheElephant
    Thank you SJ, lemon drizzle is highly likely

    BusyMee I was just on your diary posting!
    • greent
    • By greent 30th Mar 18, 9:49 AM
    • 7,354 Posts
    • 74,543 Thanks
    greent
    Congrats to DD!

    I'd plump for lemon drizzle or carrot - my 2 personal faves (closely followed by sticky ginger)
    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) £6100/£7500
    Net sales 2018 £655.15/£1000 PAYDOX18 (#15) Done £18918.90
    • michelle09
    • By michelle09 30th Mar 18, 10:25 AM
    • 813 Posts
    • 4,754 Thanks
    michelle09
    My vote goes for lemon drizzle or black forest. Well done to DD1!
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 30th Mar 18, 1:38 PM
    • 1,669 Posts
    • 8,404 Thanks
    wishingthemortgaheaway
    Lemon drizzle here. Needs to be eye wateringly lemony though.
    The 100 payment countdown (each payment = £400) 2018 Starts at 13/100 o/s £34,750.
    Jan 18 14/100 Feb 15/100 March 18/100 April 19/100 May 20/100 June 21/100
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2024 Jan 2024
    MFW 2018 Challenge Member #162 £1600ish/£2,500
    • EatingTheElephant
    • By EatingTheElephant 30th Mar 18, 3:59 PM
    • 1,336 Posts
    • 7,270 Thanks
    EatingTheElephant
    Looks like lemon drizzle is extremely popular around here! Iím feeling particularly hungry now with all this mention of cake.
    • EatingTheElephant
    • By EatingTheElephant 31st Mar 18, 7:08 AM
    • 1,336 Posts
    • 7,270 Thanks
    EatingTheElephant
    Three more chickens joined our little flock yesterday, taking us up to 6. Iím hoping we will have lots of eggs in the near future

    Although we were on the go all day yesterday, it didnít feel like we got much done. I posted the letter cancelling the old life insurance at last. The DD will be cancelled in a minute then that can be crossed off the list.

    All the yard was swept clear of water and by the time we went back up a couple hours later to sort the chickens it was flooded again. Lots of work needed there.

    I am only 1000 steps away from my weekly target of 100000 however, with two whole days left to go
    • try harder
    • By try harder 31st Mar 18, 7:49 AM
    • 791 Posts
    • 3,085 Thanks
    try harder
    Thats pretty good legwork

    Happy Easter to you too
    • Karmacat
    • By Karmacat 31st Mar 18, 10:41 AM
    • 29,763 Posts
    • 171,618 Thanks
    Karmacat
    Carrot or black forest for me please

    Congratulations on the new additions to the flock, thats going to be great. How long do they take to settle in?
    Retired August 2016
    • EatingTheElephant
    • By EatingTheElephant 31st Mar 18, 11:16 AM
    • 1,336 Posts
    • 7,270 Thanks
    EatingTheElephant
    I have no idea how long they take to settle in! This is the first time weíve had any additions, weíve bought them from the same place and followed their guidelines. We shut them in the hen house yesterday and left them in there, then popped our other hens in when dark, then they will all have popped out when the door opened at dawn.
    Hubby has gone to see how they are settling in, we stayed for a while last night after putting them all to bed and there were no unhappy sqwarks, so hopefully all were happy!

    The chicken place suggests a week or two before they start laying as they are still young.
    • EatingTheElephant
    • By EatingTheElephant 31st Mar 18, 12:17 PM
    • 1,336 Posts
    • 7,270 Thanks
    EatingTheElephant
    We have an egg already from one of the new girls
    • Karmacat
    • By Karmacat 31st Mar 18, 8:52 PM
    • 29,763 Posts
    • 171,618 Thanks
    Karmacat
    Brilliant! Good for you, you're obviously a born chicken keeper
    Retired August 2016
    • CathT
    • By CathT 1st Apr 18, 10:00 AM
    • 5,712 Posts
    • 39,908 Thanks
    CathT
    More eggs = happy
    Chickens = more cake.

    I would say that is a win-win!
    Sept 2018 -
    part 1 - £75,557
    part 2 - £44,913
    Total - £120,470
    • greent
    • By greent 1st Apr 18, 10:02 AM
    • 7,354 Posts
    • 74,543 Thanks
    greent
    Clever hen! - clearly settled in already
    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) £6100/£7500
    Net sales 2018 £655.15/£1000 PAYDOX18 (#15) Done £18918.90
    • EatingTheElephant
    • By EatingTheElephant 7th Apr 18, 7:15 AM
    • 1,336 Posts
    • 7,270 Thanks
    EatingTheElephant
    There will have to be some time set aside for baking this weekend as we have a bit of a surplus of eggs now

    A lot of spending this week, horse food, dog food, dog event entries. Hopefully just a bit of food for us left to pay for.

    Iíve started looking at flooring options for the extension and kitchen, ideally non slip for the dogs, but not carpet. Some further investigation needed here.

    Last weekend we started some work for improving the drainage at the stables, the second part of the plan will be carried out this weekend. It seems as though the weather will oblige in giving it a test run as itís currently hammering it down!
    • greent
    • By greent 7th Apr 18, 7:43 AM
    • 7,354 Posts
    • 74,543 Thanks
    greent
    There will have to be some time set aside for baking this weekend as we have a bit of a surplus of eggs now
    Originally posted by EatingTheElephant
    More cake!
    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) £6100/£7500
    Net sales 2018 £655.15/£1000 PAYDOX18 (#15) Done £18918.90
    • EatingTheElephant
    • By EatingTheElephant 7th Apr 18, 7:48 AM
    • 1,336 Posts
    • 7,270 Thanks
    EatingTheElephant
    More cake!
    Originally posted by greent
    Most definitely

    Iím looking forward to lots of cake
    • EatingTheElephant
    • By EatingTheElephant 14th Apr 18, 7:21 AM
    • 1,336 Posts
    • 7,270 Thanks
    EatingTheElephant
    Well I still havenít got around to baking cake!

    We did however spend a very productive day using an sds drill to channel out a new drain up the stables. There is now no flooding of the stable yard

    Iíve stated using my cc to gain the introductory offer n3ctar points. However it seems I only have a couple weeks to do this. The offer is for the first two months, but the start date is beginning of March when I first appplied for the card!!

    Hubby spoke to builder and he reckons about another 3 weeks before he finishes the job he is on, which is when he will start ours. I think I need to clear out the conservatory ASAP ready for tearing it down.
    • EatingTheElephant
    • By EatingTheElephant 15th Apr 18, 7:57 AM
    • 1,336 Posts
    • 7,270 Thanks
    EatingTheElephant
    I really donít know where my time goes! Please can I have some more hours each day?

    Yesterday I started by getteg all the ironing done, shuffled some more washing around, followed by more shuffling of money around bank accounts to get the monthly rewards. Took the dogs out for a slightly longer walk than usual as pupster was a bit over active. Did the horses then went to visit my mum. We went out for something to eat, then had a little wander near a reservoir and had a good catch up. We hadnít seen her since Christmas, so it was long overdue, but that was the day gone!!

    Oh, I did manage to do a bit of research on flooring for the new dining room too, still a work in progress though. I think I need to actually go and see some examples in a shop, or get some samples maybe.
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