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  • FIRST POST
    • new mortgageeee
    • By new mortgageeee 20th Feb 16, 6:53 PM
    • 100Posts
    • 248Thanks
    new mortgageeee
    Can definitely do better!
    • #1
    • 20th Feb 16, 6:53 PM
    Can definitely do better! 20th Feb 16 at 6:53 PM
    Seemingly like many newbies, I've been lurking for a while - finally thought I'd take the plunge and start a new diary. Mainly for motivation I suppose - hope to get and share some great ideas too!

    I bought a shared-ownership flat back in 2012 (hence the "new mortgageeee" name!) - I know there's much debate over their usefulness (and value for money), but it's worked out well for me so far. To date I've paid off 70% of my 25% share (OP £250-350 a month) - leaving me with approx. £35k equity for a "real" deposit when I'm ready to move. If I'd have stayed renting that amount would have been an impossible dream!!

    MFiT - T4 #65 hoping to clear the remaining £16,550 mortgage on my share (may be a bit of a stretch, but worth aiming for!).

    I know my savings are lower than I'd like (for emergencies) - currently splitting spare money at end of month 2/3 OP 1/3 saving, but I'm sure there's more I can do to budget through the month and find extra bits and pieces - I've only just cottoned on to Swagbucks for example! Will sort out a budget spreadsheet to better plan - any suggestions or examples very welcome!

    All for now, thanks for reading! May do a SB survey then will be trying to relax this evening... fingers crossed !!
    - Mortgage 1 started Oct 2016 £120,000 £103,200
    - Mortgage 2 started Feb 2019 £30,000 £29,500
    - Student loan started 2009 £16413 £9,395
    + New house fund £37,247/£40,000
    + Emergency savings £4,000/£4,000
    + House renovations/big annual bills £3162/£5000
Page 4
    • new mortgageeee
    • By new mortgageeee 17th Feb 17, 9:02 PM
    • 100 Posts
    • 248 Thanks
    new mortgageeee
    Have been doing a few surveys whilst stricken - 0nep0ll now at £10.05, pr0lific now £5.60 but cashed out £56(!) a couple of weeks ago so that's sat in PayPal account. Will OP I think when I get round to extracting it from PayPal (don't think I've ever done that before?!).
    - Mortgage 1 started Oct 2016 £120,000 £103,200
    - Mortgage 2 started Feb 2019 £30,000 £29,500
    - Student loan started 2009 £16413 £9,395
    + New house fund £37,247/£40,000
    + Emergency savings £4,000/£4,000
    + House renovations/big annual bills £3162/£5000
    • Kittenkirst
    • By Kittenkirst 19th Feb 17, 5:10 AM
    • 2,111 Posts
    • 11,662 Thanks
    Kittenkirst
    Well done on all those surveys fab amount to OP!

    I hope you are feeling better now!
    2019 MFW #20£1172.70/ £4500 26%

    Mort- Oct16 £170.995 (end Nov 2041) Dec18 £152,838

    Overpayments 2016 £255.50 2017 £2600.40 2018 £4500
    Referral codes= Prolific- 8JXN5BVG shopmium- ACEAHKFA Shoppix- 57VB13QH
    • new mortgageeee
    • By new mortgageeee 4th Mar 17, 4:39 PM
    • 100 Posts
    • 248 Thanks
    new mortgageeee
    Wow, a spendy few days, and a few more to come this month... not very MFW at all, but either necessary or planned.

    Did my annual sales clothes shop (£150), new pair of binoculars for work (£299), fitbit (£104 (was £159 used some vouchers)). This will hit the amount I normally OP and put into savings this month, but I've just invoiced £600 (additional income) so will balance out again by next month.

    Just about to also fork out for new carpet in the lounge and tiling in the kitchen/backdoor entrance area... to the tune of £1200 and finally my bookcase/cupboard unit is going in at £1800 !!! But these are allocated out of savings.

    Otherwise it should be a very quite month coming up, with no major outgoings. Hoping to keep weekly shops cheap and cheerful, bulk cooking etc. Started with a ratatouille in the oven this afternoon ready for tonight's meal and a few next week.
    - Mortgage 1 started Oct 2016 £120,000 £103,200
    - Mortgage 2 started Feb 2019 £30,000 £29,500
    - Student loan started 2009 £16413 £9,395
    + New house fund £37,247/£40,000
    + Emergency savings £4,000/£4,000
    + House renovations/big annual bills £3162/£5000
    • new mortgageeee
    • By new mortgageeee 4th Jul 17, 10:15 PM
    • 100 Posts
    • 248 Thanks
    new mortgageeee
    WHOOPS...! Life got busy

    Still been making OPs as and when, and I'm pretty pleased with the total coming down; £6500 since Oct - although I'm not up to date with my MFW 2017 target. There's still time.... maybe!

    My savings have dropped (£11k to £8.4k), but that's been exclusively on the house, and they're creeping back up with a general aim to have £10k available.

    S&S ISA creeping up, and SIPP also going up in the background. That said, it's been a dire few days for my S&S these are very long term accounts though, so not overly worried for now.

    Budgeting on food shopping has generally been terrible!! I've just not felt like I've had time to plan weekly shops properly. And lunches... ARGH. Though I've made my sandwiches for tomorrow already in an act of steely determination.

    Life generally pretty dandy though - things going well with (new-ish) OH, job busy but enjoyable for the most part, freelance work continuing to come in at a moderately achievable rate, surveys not very regular, but just cashed out £36 from Prolific which was a pleasant surprise (I'd sort of forgotten about it!).



    Hopefully wont leave it as long next time! NMx
    - Mortgage 1 started Oct 2016 £120,000 £103,200
    - Mortgage 2 started Feb 2019 £30,000 £29,500
    - Student loan started 2009 £16413 £9,395
    + New house fund £37,247/£40,000
    + Emergency savings £4,000/£4,000
    + House renovations/big annual bills £3162/£5000
    • new mortgageeee
    • By new mortgageeee 5th Sep 18, 7:17 AM
    • 100 Posts
    • 248 Thanks
    new mortgageeee
    Ho ho... looks like I did leave it as long. Ah well.

    Things have been ticking along - all moving in the right direction. Iíve reduced overpayments as Iíve had some big expenditure over the last year; new car, home improvements etc. But my easy access savings have covered these and (recently) recovered to their 10k levels.

    But, overpayments are back on (albeit in a reduced capacity) as Iím due to remortgage next year and 70% LTV is tantalisingly close (needs to be £105,000). Thatís an OP of c.£60 a month so that is set to be my minimum.

    My OPs have reduced generally because my freelance work has really taken off - and Iíve set up a limited company! This has been both scary and exciting, and a huge learning curve, but itís going well . Iím now paying myself a small (below NI) salary, so my standard monthly income has reduced a little (previously I was a sole trader and all income just came to my main account). The long term plan of working for myself feels a huge step closer now

    Other news, the Ďnew OHí is now a long term OH! Weíre looking at buying a place together next year (a new mortgage to OP... wooo!!). Selling his place and keeping mine (partly for work, partly as it presents an income opportunity in the future). This makes SDLT a bit complicated as Iím EXPENSIVE, but weíre speaking to a solicitor.

    Iíve just spent a fun half hour catching up on everyoneís stories - Iíd forgotten what a wonderful place this is! Have a great day everyone

    NMx
    - Mortgage 1 started Oct 2016 £120,000 £103,200
    - Mortgage 2 started Feb 2019 £30,000 £29,500
    - Student loan started 2009 £16413 £9,395
    + New house fund £37,247/£40,000
    + Emergency savings £4,000/£4,000
    + House renovations/big annual bills £3162/£5000
    • new mortgageeee
    • By new mortgageeee 5th Sep 18, 12:56 PM
    • 100 Posts
    • 248 Thanks
    new mortgageeee
    An idle lunch so I thought I'd do an updated SOA...

    This feels pretty good. I know I don't have that much at the end of the month, so it goes somewhere - probably 'groceries etc.' again! I'll do a little bit more digging when I find the time, but it's nice to see a change over 18 months with some cheaper expenses (much lower council tax band, cheaper mobile contract, etc.) (albeit some inevitable rises such as petrol due to a longer commute) as well as a much improved net assets due to mortgage OPs, growing S&S ISA and a new car.

    Statement of Affairs and Personal Balance Sheet

    Household Information

    Number of adults in household........... 1
    Number of children in household.........
    Number of cars owned.................... 1

    Monthly Income Details

    Monthly income after tax................ 2459.6
    Partners monthly income after tax....... 0
    Benefits................................ 0
    Other income............................ 0
    Total monthly income.................... 2459.6


    Monthly Expense Details

    Mortgage................................ 480
    Secured/HP loan repayments.............. 0
    Rent.................................... 0
    Management charge (leasehold property).. 66
    Council tax............................. 75
    Electricity............................. 50
    Gas..................................... 0
    Oil..................................... 0
    Water rates............................. 0
    Telephone (land line)................... 0
    Mobile phone............................ 9
    TV Licence.............................. 12.55
    Satellite/Cable TV...................... 5
    Internet Services....................... 0
    Groceries etc. ......................... 250
    Clothing................................ 10
    Petrol/diesel........................... 120
    Road tax................................ 10
    Car Insurance........................... 25
    Car maintenance (including MOT)......... 20
    Car parking............................. 0
    Other travel............................ 0
    Childcare/nursery....................... 0
    Other child related expenses............ 0
    Medical (prescriptions, dentist etc).... 10
    Pet insurance/vet bills................. 15
    Buildings insurance..................... 30
    Contents insurance...................... 0
    Life assurance ......................... 22
    Other insurance......................... 0
    Presents (birthday, christmas etc)...... 20
    Haircuts................................ 0
    Entertainment........................... 20
    Holiday................................. 0
    Emergency fund.......................... 0
    Total monthly expenses.................. 1249.55



    Assets

    Cash.................................... 10050
    House value (Gross)..................... 150000
    Shares and bonds........................ 1600
    Car(s).................................. 5000
    Other assets............................ 2000
    Total Assets............................ 168650



    Secured & HP Debts

    Description....................Debt......Monthly.. .APR
    Mortgage...................... 107096...(480)......2.59
    Total secured & HP debts...... 107096....-.........-


    Unsecured Debts
    Description....................Debt......Monthly.. .APR
    Total unsecured debts..........0.........0.........-



    Monthly Budget Summary

    Total monthly income.................... 2,459.6
    Expenses (including HP & secured debts). 1,249.55
    Available for debt repayments........... 1,210.05
    Monthly UNsecured debt repayments....... 0
    Amount left after debt repayments....... 1,210.05


    Personal Balance Sheet Summary
    Total assets (things you own)........... 168,650
    Total HP & Secured debt................. -107,096
    Total Unsecured debt.................... -0
    Net Assets.............................. 61,554


    Created using the SOA calculator at www.stoozing.com.
    Reproduced on Moneysavingexpert with permission, using other browser.
    - Mortgage 1 started Oct 2016 £120,000 £103,200
    - Mortgage 2 started Feb 2019 £30,000 £29,500
    - Student loan started 2009 £16413 £9,395
    + New house fund £37,247/£40,000
    + Emergency savings £4,000/£4,000
    + House renovations/big annual bills £3162/£5000
    • new mortgageeee
    • By new mortgageeee 6th Jan 19, 12:08 PM
    • 100 Posts
    • 248 Thanks
    new mortgageeee
    A slightly belated Happy New Year to all. I've been lurking and not doing a lot of typing recently! Mostly because things have changed, and my financial priorities seem to be all over the place!

    I remortgaged just switching my rate on the 2nd Jan - now on 2.19% for 5 years which, combined with my OPs, has reduced my monthly payment by £63 - now £416. Pretty happy with that. The temptation is to immediately OP this, but new top priority is saving towards another property with my boyfriend; we're looking to buy middle of 2019. I'm aiming for £20k, and am currently at £14k. I do need to fork out a bit on some new tiles for my bathroom but otherwise no big expenditure planned between now and then, so I'm aiming to put aside £1000 a month. This feels a lot, but my SOA says that it's possible!

    So, I've been consolidating savings, switching rates/accounts, setting up new standing orders and the like! All good fun.

    My top priority personally is to just spend less on weekly groceries. For a one-person shop I seem to be spending a ridiculous amount of money. I know at least in part it's down to being coeliac and lactose intolerant - staples like bread and milk are unfairly expensive. Still, I think I should be able to shop for a week for £30?! That's my aim anyway.

    I've just done a week's shop for £32 (included some kindling for the fire), so my challenge now is not to buy anything until next Sunday. I think (think!) I have everything!
    - Mortgage 1 started Oct 2016 £120,000 £103,200
    - Mortgage 2 started Feb 2019 £30,000 £29,500
    - Student loan started 2009 £16413 £9,395
    + New house fund £37,247/£40,000
    + Emergency savings £4,000/£4,000
    + House renovations/big annual bills £3162/£5000
    • new mortgageeee
    • By new mortgageeee 10th Jan 19, 7:16 AM
    • 100 Posts
    • 248 Thanks
    new mortgageeee
    Amazingly have managed not to buy any further food this week (so far). No trips out planned today or tomorrow so should make it to the weekend at least. Did have to fill my car up, and pay to post a parcel, but not feeling bad about those. Had a lot of work to do last night under time pressure so only managed beans and cheese on toast for dinner anyway! Plenty left in the cupboard (although not hugely exciting!) for the next three days I think. Best get up and start work. NMx
    - Mortgage 1 started Oct 2016 £120,000 £103,200
    - Mortgage 2 started Feb 2019 £30,000 £29,500
    - Student loan started 2009 £16413 £9,395
    + New house fund £37,247/£40,000
    + Emergency savings £4,000/£4,000
    + House renovations/big annual bills £3162/£5000
    • new mortgageeee
    • By new mortgageeee 12th Jan 19, 8:41 AM
    • 100 Posts
    • 248 Thanks
    new mortgageeee
    So the weekend reached with only an additional food purchase of eggs and bananas. Have meal planned and prepped my shopping list for tomorrow already! Should hopefully come in around £30 again, though I’m thinking of increasing my budget to £40 to allow for buying fresh fruit and veg/salad later in the week - things get a bit... tinned otherwise I’ll see how this week goes.

    Have re-jigged my savings targets - excluding £4K emergency savings from the new house target, and also (temporarily) aiming to keep £5k available for bits and pieces to my current house, though if not spent that will wrap up into the £20k pot for the new house. Works well with the different savings accounts I have so will see how it goes for the next few months.

    Time to get up! A bit of freelance work to do today and then hoping for a nice walk to the beach. Hope everyone has a relaxing weekend. NMx
    - Mortgage 1 started Oct 2016 £120,000 £103,200
    - Mortgage 2 started Feb 2019 £30,000 £29,500
    - Student loan started 2009 £16413 £9,395
    + New house fund £37,247/£40,000
    + Emergency savings £4,000/£4,000
    + House renovations/big annual bills £3162/£5000
    • new mortgageeee
    • By new mortgageeee 13th Jan 19, 6:04 PM
    • 100 Posts
    • 248 Thanks
    new mortgageeee
    Shiny new monthly budget spreadsheet for 2019 set up this afternoon. Accounting for big annual bills with a £280 monthly transfer into savings (I've previously swallowed them in the month they arise and put less into savings/OPs, but this feels more sensible). Also careful monitoring (with colour coding!) of all other day-to-day outgoings. Should be interesting, and hopefully will flag up where I can rein it in a bit on the day-to-day. Had four NSDs last week which feels like a positive step.

    Did my weekly groceries shop today - £39! But, that included things that will last longer than a week (vitamins, toilet roll, matches... etc), but that make sense to buy in bulk... I should really have NSDs now until next weekend; there's no spending planned. Well, a pet insurance policy to pay, but that will come out of a different account.

    I hope everyone has had lovely (but thrifty!) weekends NMx
    - Mortgage 1 started Oct 2016 £120,000 £103,200
    - Mortgage 2 started Feb 2019 £30,000 £29,500
    - Student loan started 2009 £16413 £9,395
    + New house fund £37,247/£40,000
    + Emergency savings £4,000/£4,000
    + House renovations/big annual bills £3162/£5000
    • new mortgageeee
    • By new mortgageeee 14th Jan 19, 8:59 PM
    • 100 Posts
    • 248 Thanks
    new mortgageeee
    NSD today and I received two refunds that I've been waiting for - £250 back from the work I had done on my hot water tank, and £73 for clothes bought online in the Boxing Day sales returned as they didn't suit.

    But, whilst it has been a great day for my bank balance, I haven't had a very productive day work-wise. Just can't seem to get back into the swing of things post Christmas. But now, feet up for Silent Witness... hoping for a better day tomorrow!

    NMx
    - Mortgage 1 started Oct 2016 £120,000 £103,200
    - Mortgage 2 started Feb 2019 £30,000 £29,500
    - Student loan started 2009 £16413 £9,395
    + New house fund £37,247/£40,000
    + Emergency savings £4,000/£4,000
    + House renovations/big annual bills £3162/£5000
    • Moneyfordreams
    • By Moneyfordreams 15th Jan 19, 4:32 PM
    • 1,238 Posts
    • 6,063 Thanks
    Moneyfordreams
    It's great to catch up with your diary ( I commented in 2016 ) you seem so organised. I'll keep an eye out for more updates
    Mortgage restart June 2018 £119950
    Feb 19 mortgage £112650, £5150cc, £7047, £1100, car £7550 (holy cr@9 )
    Dd1s car £1569
    Dd1s £170 owes me
    friend £200
    • new mortgageeee
    • By new mortgageeee 18th Jan 19, 7:13 AM
    • 100 Posts
    • 248 Thanks
    new mortgageeee
    Ah thank you Mfd! I donít feel very organised really!

    Happy to report all NSDs this week I knew that I was wasting so much on lazy food purchases. Away with my OH from this afternoon until Sunday evening; mainly at his house painting and decorating (getting it ready to sell), so unlikely to be anything to buy until Sunday evening/Monday morning

    Happy to see that all my standing orders and money moving happened over the last couple of days so savings pots are now slowly creeping up

    Annoyingly have depveloped a very stiff upper back; no idea what Iíve done - but going to be resting it as much as possible this weekend (no painting of ceilings!).

    Time to get up; fairly hefty to do list for this morning! NMx
    - Mortgage 1 started Oct 2016 £120,000 £103,200
    - Mortgage 2 started Feb 2019 £30,000 £29,500
    - Student loan started 2009 £16413 £9,395
    + New house fund £37,247/£40,000
    + Emergency savings £4,000/£4,000
    + House renovations/big annual bills £3162/£5000
    • new mortgageeee
    • By new mortgageeee 24th Jan 19, 7:52 AM
    • 100 Posts
    • 248 Thanks
    new mortgageeee
    Lovely weekend away (I can’t believe it’s Thursday already!). We did bits and pieces of painting/sorting to OHs house and garden, and have a snagging list for the rooms that are finished. Also managed a lovely walk around my old stomping ground (used to live and work over there) in the sunshine on the Sunday.

    Did my weekly shop on Sunday evening - a whopping £45 but included bulk of tissues and dishwasher tabs. Which added £12. Still a million times cheaper than a normal weekly shop, so I’m not going to be too cross with myself for going over my £40 budget with those items.

    Had to top up with a leek and a bag of spinach on Wednesday, but that made a fish pie that will make 4 meals for me. Otherwise NSDs since Sunday I do have to pop into town today to post a birthday present so that’ll be a couple of pounds. Also need to buy three birthday cards and pick up my library card - looking forward to getting ebooks and audiobooks for free again.

    No other spending planned until weekly shop on Sunday, though I do have to go into Wickes on Sat to get the quote for the bathroom works hope it is reasonable!!

    Better get up and ready for work. Hope everyone has a good day. NMx
    - Mortgage 1 started Oct 2016 £120,000 £103,200
    - Mortgage 2 started Feb 2019 £30,000 £29,500
    - Student loan started 2009 £16413 £9,395
    + New house fund £37,247/£40,000
    + Emergency savings £4,000/£4,000
    + House renovations/big annual bills £3162/£5000
    • new mortgageeee
    • By new mortgageeee 31st Jan 19, 5:31 PM
    • 100 Posts
    • 248 Thanks
    new mortgageeee
    A busy week! Have agreed the Wickes bathroom: £3k fully fitted apart from the floor which I'll arrange separately (it's extending out into the hallway). Funnily, looking back through posts I was only intending to do the tiles in the bathroom!! and it has now morphed into a complete renovation, but its all so tired and cold an inefficient. So, I'm looking forward to having that done. That'll deplete my house renovations fund a bit (will pay most of it tomorrow or Sat), but there's not much left to do here otherwise. I plan to paint the kitchen cupboards when I find the time/energy. But I did a lot of filling/caulking/sanding and painting of walls and skirting boards last weekend so it's all looking quite nice!

    In bigger financial news, I've been approved for and accepted an additional £30k borrowing against this house. This will be invested in a joint property with my OH together with my current 'new house fund' - hopefully totalling £40-45k depending on when we buy.

    Feels like it's going the wrong way re MFW!! But I need to keep this place for work for a year or two at least (plus long term ambition is to run it as a holiday let), and having an extra £40-45k allows us to buy a much nicer house. It's all a bit complicated and involves legal agreements to have me financially involved whilst not being a stamp duty liability! But we'll get there

    Another pot to OP on the additional borrowing is at 2.29% for 25 years - a very affordable £130 a month, so I'm looking to OP this down (a slightly higher rate than my main mortgage) as a priority; will see how I go, but aiming for the £3k 10% maximum OP in year one. And I'd only just sorted out my new spreadsheet for 2019!! Time to do a new one......
    - Mortgage 1 started Oct 2016 £120,000 £103,200
    - Mortgage 2 started Feb 2019 £30,000 £29,500
    - Student loan started 2009 £16413 £9,395
    + New house fund £37,247/£40,000
    + Emergency savings £4,000/£4,000
    + House renovations/big annual bills £3162/£5000
    • new mortgageeee
    • By new mortgageeee 31st Jan 19, 5:46 PM
    • 100 Posts
    • 248 Thanks
    new mortgageeee
    Oh, actually I can update on my monthly spending too! Two NSDs yesterday and today

    Happy to report that my total non-bills spending stayed within my £500 budget. Total for groceries, care (haircut, medicine, yoga class etc), fuel, clothes, and gifts: £460 for Jan plus £30 of 'fritter'...! Hopefully there'll be None Of That in Feb

    c.£70 on house things - paint etc., an electric sander (I got so sick of sanding skirting boards by hand!), some tile samples for the bathroom, and a new smoke alarm.

    IF all my spreadsheets work out (I don't think I've missed anything) I should have £250 spare this month Annoyingly there's a huge lag because I put most day-to-day spending on a credit card with is paid in full each month and runs 12th-12th. And the direct debit is ages after - late Jan spending will be paid off at the beginning of March! )
    - Mortgage 1 started Oct 2016 £120,000 £103,200
    - Mortgage 2 started Feb 2019 £30,000 £29,500
    - Student loan started 2009 £16413 £9,395
    + New house fund £37,247/£40,000
    + Emergency savings £4,000/£4,000
    + House renovations/big annual bills £3162/£5000
    • new mortgageeee
    • By new mortgageeee 3rd Feb 19, 7:30 PM
    • 100 Posts
    • 248 Thanks
    new mortgageeee
    Lovely weekend with the OH. Used up some of the batch cooked chilli and a fish pie from the freezer. Did a week's shop and sorted the spreadsheets. Little OP of £29 in total - a cash out from Prolific and the interest from TSB and Nationwide accounts as they're paid monthly and don't earn further interest in that account - may as well whip it out!

    Not much more to report at the start of the month. Hope everyone had pleasant weekends. Off to do some yoga!
    - Mortgage 1 started Oct 2016 £120,000 £103,200
    - Mortgage 2 started Feb 2019 £30,000 £29,500
    - Student loan started 2009 £16413 £9,395
    + New house fund £37,247/£40,000
    + Emergency savings £4,000/£4,000
    + House renovations/big annual bills £3162/£5000
    • new mortgageeee
    • By new mortgageeee 5th Feb 19, 8:55 PM
    • 100 Posts
    • 248 Thanks
    new mortgageeee
    Bathroom booked and paid for so house renovations fund looking a bit depleted. Waiting for installer to arrange a date now - suspect it will be a month or two away, but exciting that it is definitely happening now.

    Looking forward to credit card direct debit coming out tomorrow. Clearing the last of my 'pre-budget' spending - not huge but £800 rather than the (hopefully) now usual £500.

    Had to get some cash out today to get change for parking as I'm off to a course with work tomorrow. Spent £2.50 on a big block of cheese (which I did need; forgot it at the weekend) to get the correct change! Otherwise nothing bought in addition to weekly shop so far. Cooked a couple of salmon fillets this evening with sweet chilli sauce - a bit of a classic. One is in the fridge for tomorrow's dinner.

    I've recently signed back into Prolific after a break of about a year and haven't had any studies come up yet. Bit of a shame, but I suppose it takes a while for you to get back into their regular system.

    Just in time to settle down for Silent Witness part 2!

    NMx
    - Mortgage 1 started Oct 2016 £120,000 £103,200
    - Mortgage 2 started Feb 2019 £30,000 £29,500
    - Student loan started 2009 £16413 £9,395
    + New house fund £37,247/£40,000
    + Emergency savings £4,000/£4,000
    + House renovations/big annual bills £3162/£5000
    • new mortgageeee
    • By new mortgageeee 7th Feb 19, 7:42 PM
    • 100 Posts
    • 248 Thanks
    new mortgageeee
    NSD today credit card cleared for Dec/Jan so officially on my new budget spending

    No spends planned until weekly shop on Sunday. Not much news financially or otherwise - plodding along! Iím finding work pretty overwhelming at the moment; it makes me long for a time when Iím less reliant on my income. I very nearly earn enough through my private work (which is done in spare time) to cover my outgoings - so it is everso tempting to take the leap to full self-employment. But the perks (annual leave, pension, sick pay etc) are so generous at my current employer it is holding me back.

    Has anyone here taken that leap? What was your tipping point? Did you save up a financial buffer?

    Have to do some of that private work now actually - but reading diaries is a terrible distraction!

    NMx
    • new mortgageeee
    • By new mortgageeee 8th Feb 19, 8:03 AM
    • 100 Posts
    • 248 Thanks
    new mortgageeee
    OP of 71.00 this morning. Did some maths and decided I comfortably had that as spare within the month, and it rounded the second mortgage down to my 00.00

    Feb OPs now £178.41.
    - Mortgage 1 started Oct 2016 £120,000 £103,200
    - Mortgage 2 started Feb 2019 £30,000 £29,500
    - Student loan started 2009 £16413 £9,395
    + New house fund £37,247/£40,000
    + Emergency savings £4,000/£4,000
    + House renovations/big annual bills £3162/£5000
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