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  • FIRST POST
    • EatingTheElephant
    • By EatingTheElephant 26th Jan 16, 7:50 PM
    • 1,281Posts
    • 7,003Thanks
    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 47
    • Karmacat
    • By Karmacat 15th Apr 18, 9:02 AM
    • 28,955 Posts
    • 164,688 Thanks
    Karmacat
    That's a lot

    And I know exactly what you mean about needing more hours, even though I don't do half of what you do
    Retired August 2016
    • EatingTheElephant
    • By EatingTheElephant 15th Apr 18, 6:16 PM
    • 1,281 Posts
    • 7,003 Thanks
    EatingTheElephant
    One day I will fit it all in!

    Iím done for today, I canít move at all. Just waiting for a pulled pork roast to finish cooking, yumm.

    A load of stuff moved from the conservatory, ready for the extension build, including burning a lot of paperwork in the fire pit.
    A bit of cleaning done, more never ending washing and a lot of shovelling stuff up the stables and walking the dogs.
    Grandson had a great time naming the new chickens and helping his grandad clean them out!

    Back to work for a sit down tomorrow
    • EatingTheElephant
    • By EatingTheElephant 15th Apr 18, 7:59 PM
    • 1,281 Posts
    • 7,003 Thanks
    EatingTheElephant
    Nearly forgot, we moved the horses into the field that has been resting all winter as well today. Lots of fresh yummy grass for them, which means less money needed for hay
    • Karmacat
    • By Karmacat 16th Apr 18, 10:26 AM
    • 28,955 Posts
    • 164,688 Thanks
    Karmacat
    Back to work for a sit down tomorrow
    Originally posted by EatingTheElephant
    I think you've got the right idea there
    Retired August 2016
    • FloppyDisk
    • By FloppyDisk 19th Apr 18, 12:43 PM
    • 616 Posts
    • 4,192 Thanks
    FloppyDisk
    Hope all that fresh grass doesn't go to their heads!

    Mortgage- £415,749
    BTL- £162,915

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