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  • FIRST POST
    • lincoln-potter
    • By lincoln-potter 13th Dec 16, 9:27 AM
    • 880Posts
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    lincoln-potter
    A new chapter
    • #1
    • 13th Dec 16, 9:27 AM
    A new chapter 13th Dec 16 at 9:27 AM
    So i was long time member and used to frequent the boards quite regularly however my circumstances have changed quite drastically.

    I have now split from the OH and whilst I was very close to being MF I now find myself with an additional amount of debt in having had to buy her out.

    I'll post a current SoA shortly but pretty much the overall debt stands at around 300k.

    I have a fairly ambitious plan to pay off this debt within 5-6 years and still aim to be MF by the time I hit 40. Being single I am hoping will allow me the freedom to be money savvy where previously the ex liked to spend.

    MFW #32 6,700/6,700
    Make 2017 in 2017 challenge - 821.76 #10
Page 7
    • lincoln-potter
    • By lincoln-potter 16th Mar 17, 10:44 AM
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    lincoln-potter
    I was talking about direct debits, not standing orders. (Eg. I have 3 Tesco online savers and have a direct debit set up on each which satisfies my current account criteria.) But it sounds like you've got a plan and are keeping busy!

    Good luck with everything
    Originally posted by poddle911

    Yeah sorry I got mixed up, that makes more sense so I'll do the same.

    Certainly being kept busy, but thats a good thing.....right?

    MFW #32 6,700/6,700
    Make 2017 in 2017 challenge - 821.76 #10
    • lincoln-potter
    • By lincoln-potter 20th Mar 17, 10:13 AM
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    lincoln-potter
    Morning all,

    Had a good few days with the children, sadly they had a 24hr sickness bug which meant I spent a fair amount of time washing bedding! But we still had a good time at a local museum and went to some local parks and lakes for the day. The fresh air and running about tired them out, its so much better spending the days out rather than in the house.

    I managed a NSD on thursday, friday and sunday. Saturday was 7.30 for some rock cakes and drinks for the kids after a walk along the river.

    The nights are still quite dark so I think this week I am going to attempt to go to bed at 9/10 in order to get up at 6 so I can get some jobs done in the daylight.

    I have decluttered and cleaned the caravan, I have a made a list of items to go back in I just need to get the time to do that. Tonight however I will have to spend it tidying up all the small bits the kids have left out or put away in the wrong place.

    I had a run last night as there are only a few weeks left now until my tough mudder event and my word I feel like I should have been training months ago, I am so unfit!

    Also tonight I need to get some fuel from Mr S (Get bonus nectar tonight as the 5th swipe in a month), and some food from Herr A. Nothing too much just shampoo and a few bits of meat.

    MFW #32 6,700/6,700
    Make 2017 in 2017 challenge - 821.76 #10
    • sarahevie1
    • By sarahevie1 20th Mar 17, 10:41 PM
    • 506 Posts
    • 2,660 Thanks
    sarahevie1
    oh dear the dreaded sickness bug, we had 7 off in reception last week with it, almost unheard of! Hope they are on the mend soon! What is Herr A?
    Mortgage 1 - 29000 Value 283000 (Mortgage val survey Sept 15.) 22 years 3 monthsOPs 86167ithout OPs balance 119000
    Mortgage 2 - 100000 Value 185000 (Purchase price 2007.) 15 years 11 months
    Original Mortgage debt 300,000 - Now 129000
    • lincoln-potter
    • By lincoln-potter 21st Mar 17, 10:05 AM
    • 880 Posts
    • 4,285 Thanks
    lincoln-potter
    oh dear the dreaded sickness bug, we had 7 off in reception last week with it, almost unheard of! Hope they are on the mend soon! What is Herr A?
    Originally posted by sarahevie1
    Morning Sarah, Mr T, Mr S, Mr A and Mr M are the 4 big supermarkets, Herr A and Herr L are the two German supermarkets which are now in the UK. I picked this up from misscousinitt diary. I did however spend 86 there last night, but I also go 500 nectar points from Mr S so thats not so bad. I only needed a few bits but bought quite a few tins for the caravan, 15 on some birthday gifts.

    Yeah the dreaded bug, I seemed to escape without catching it though! So yay for me!.

    Golf lessons tonight and then I need a tidy up before going to see friends.

    MFW #32 6,700/6,700
    Make 2017 in 2017 challenge - 821.76 #10
    • lincoln-potter
    • By lincoln-potter 22nd Mar 17, 9:51 AM
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    lincoln-potter
    Morning all,

    Had some golf lessons by a freind last night after work, after which I must admit I had a moment of weakness and had fish & chips for tea (6.20) and finally in the evening I went to see some friends.

    Still waiting on the first DD from my 0% credit card to come out so I can start the switch process.

    Going to be making a 500 overpayment today.

    MFW #32 6,700/6,700
    Make 2017 in 2017 challenge - 821.76 #10
    • lincoln-potter
    • By lincoln-potter 27th Mar 17, 9:27 AM
    • 880 Posts
    • 4,285 Thanks
    lincoln-potter
    Morning all,

    Had a nice weekend, on Saturday I managed to get quite a few jobs done around the house. The lawn had its first cut of the year and I started clearing the builders yard at the front of the house so I can start to make the place look a bit more presentable. I also fixed my trucks left hand side issue and I picked up DS who liked to "help".

    I have ordered 50 more non-slip coat hangers for all the kids summer clothes which the ex has handed me back. DD3 has no end whilst the others seem somewhat lacking.

    Sunday had a nice day with the gf walking around town in the morning then visiting my mother in the afternoon.

    A fairly low spend weekend really, 20 on a curry and some bits from the supermarket for 30 for whenever gf comes over for food.

    This week I plan to start back on my running and training in my gym and also oddsmonkey for matched betting, even if I only manage 30mins a night that will still be 300-500 more a month I would imagine.

    MFW #32 6,700/6,700
    Make 2017 in 2017 challenge - 821.76 #10
    • lincoln-potter
    • By lincoln-potter 28th Mar 17, 9:12 AM
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    lincoln-potter
    Morning people,

    Had my first musclefoods delivery last night, separated all the chicken for the freezer (learnt the hard way what happens when I freeze it all in one go.....).

    Need to go out later and get some nibbles in as I have a lads night round at mine for some other dads from the village.

    Not much movement on the MSE front other than a couple bits put onto ebay but they won't fetch very much. I am mainly waiting for first DD to go out so I can start the bank switches.

    Chicken for tea tonight with veg which needs using up.

    MFW #32 6,700/6,700
    Make 2017 in 2017 challenge - 821.76 #10
    • lincoln-potter
    • By lincoln-potter 4th Apr 17, 10:43 AM
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    lincoln-potter
    Morning all,

    Had the LO's this past weekend. Went to a localish aquarium on the Sunday which was 60 but it gives annual all year round access now for no extra cost so I'll be going back a few other times with them.

    My freezer is full of food at the moment but I need some more fresh bits tonight (Milk, cheese, etc) along with some nibbles as I am having a pool night with some of the lads.

    Ex is still give me grief and to make it worse has guilt tripped me into having the kids whilst she goes on an abroad holiday with just the youngest. I don't see really why I should have to use holiday days up just so she can get a sun tan and even more so why the eldest get to miss out on an abroad holiday. It also puts to bed her "having no money" and stopping the kids after school activities because they cost too much when shes' been able to save up for a holiday in just over two months....

    Gf came round at the weekend too and spent the day with the kids, her first full day and she was really good with them. Only issue was she only has two hands and all of them wanted to hold her hand....bless them.

    Yesterday I had a good productive day, washed both cars, cleared the front so the builders yard is gone and I have made a start clearing the last of my wood pile but cutting it down. It'll take a good few nights to shift it all but at least its starting to look "smarter" when people arrive.

    No real MSE plans for this week, my electric supply switch is going through but thats about it.

    MFW #32 6,700/6,700
    Make 2017 in 2017 challenge - 821.76 #10
    • lincoln-potter
    • By lincoln-potter 7th Apr 17, 10:08 AM
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    lincoln-potter
    Morning all,

    Decided to use some of my savings which are at 1.5% and pay off more of my mortgage, so saving 1.79% more on interest.

    OP - 8026.30

    MFW #32 6,700/6,700
    Make 2017 in 2017 challenge - 821.76 #10
    • lincoln-potter
    • By lincoln-potter 10th Apr 17, 9:25 AM
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    lincoln-potter
    Morning all,

    Well I completed my 10k assault course, it damn near killed me though but glad I can say I did it!

    Not much else to report, sold something on eBay for 5 woohoo haha.
    Away with with work so I have a few NSD coming up, but I did buy a couple of bits off eBay for the caravan like a cover to help keep it clean, since its parked by the trees it gets covered in green and looks 40 years old.....

    Still getting hassle off the ex, really wish she would just get on with her life and leave me to mine.

    MFW #32 6,700/6,700
    Make 2017 in 2017 challenge - 821.76 #10
    • lincoln-potter
    • By lincoln-potter 25th Apr 17, 10:05 AM
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    lincoln-potter
    Morning all,

    I have returned from a week long trip to the far east and now have the children for the next ten days whilst the ex goes on an abroad holiday.

    Been doing plenty of fun activities with the children, bowling at the weekend although its an expensive trip for 4 kids for what is really only one game.

    I have a BBQ this coming weekend so trying on a night to get the garden into some sort of presentable shape, having to buy a strimmer as the next patio area is overgrown currently.

    MSE front obviously a few NSD as I was away, my freezer is bursting with food for the kids so I shouldn't have any massive food bills other than the BBQ coming up.

    Longer term I have a couple of bigger bills coming up as I want to have a small wall extended and a fence at the back put up both which need doing before I slab the last patio area.

    MFW #32 6,700/6,700
    Make 2017 in 2017 challenge - 821.76 #10
    • lincoln-potter
    • By lincoln-potter 19th Jan 18, 9:56 AM
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    lincoln-potter
    I guess a quick check in is overdue. I was a while back unsure as whether the ex had worked out I was on the forum so I've been under the radar so to speak.

    A lot has changed since I last posted.

    I've mad my 10% OP already for the year and my mortgage is now at 59k, down from the original 196k 7 years ago. Not too bad especially since the large lump sum I had to pay the ex also.....my target is still for April 2019 to be MF when my fixed rate ends.

    My stoozing is going well and currently I have 3 CC with a combined pot of 26k. I have 18 current accounts open at present (although 4 are TESCO instant savers for DD criteria). I have been bank switching and so far earnt 405 from it, my credit rating has however taken a huge hit from 999 down to 612 however I have nothing I need to may as well use my rating for something.

    MFW #32 6,700/6,700
    Make 2017 in 2017 challenge - 821.76 #10
    • Merchandiser2367
    • By Merchandiser2367 19th Jan 18, 5:45 PM
    • 172 Posts
    • 1,094 Thanks
    Merchandiser2367
    I guess a quick check in is overdue. I was a while back unsure as whether the ex had worked out I was on the forum so I've been under the radar so to speak.

    A lot has changed since I last posted.

    I've mad my 10% OP already for the year and my mortgage is now at 59k, down from the original 196k 7 years ago. Not too bad especially since the large lump sum I had to pay the ex also.....my target is still for April 2019 to be MF when my fixed rate ends.

    My stoozing is going well and currently I have 3 CC with a combined pot of 26k. I have 18 current accounts open at present (although 4 are TESCO instant savers for DD criteria). I have been bank switching and so far earnt 405 from it, my credit rating has however taken a huge hit from 999 down to 612 however I have nothing I need to may as well use my rating for something.
    Originally posted by lincoln-potter
    Are you still matched betting? How much did you make from it in the end? I wanted to try snoozing but I think will be too much organising and probably mess it up. We always take the cash out for the week we have to spend....when using cards, always seem to lose track....

    I've got a couple of mule accounts ready to switch next week, going to go for the Natwest and HSBC ones first off....Natwest looks a good one as not offered any incentive to switch for years
    Mortgage When Started Over Pay 01/11/2017- 146500
    Current Total - 12/05/2018 - 118,570 (With Offset
    10k Savings)
    5 year fix - Aiming to overpay 1900 at least a month
    MFW by July 2021
    01/11/17 - 10k / 10k Emergency Savings
    • lincoln-potter
    • By lincoln-potter 22nd Jan 18, 10:37 AM
    • 880 Posts
    • 4,285 Thanks
    lincoln-potter
    Are you still matched betting? How much did you make from it in the end? I wanted to try snoozing but I think will be too much organising and probably mess it up. We always take the cash out for the week we have to spend....when using cards, always seem to lose track....

    I've got a couple of mule accounts ready to switch next week, going to go for the Natwest and HSBC ones first off....Natwest looks a good one as not offered any incentive to switch for years
    Originally posted by Merchandiser2367
    No i stopped matched betting halfway through last year, with all the other bits I just didn't have the time. I made 668.99 in total, so not too bad, just need to be very organised.

    See I only spend on my card and I have a quite detailed spreadsheet which logs all my spends into categories so I can track things.

    MFW #32 6,700/6,700
    Make 2017 in 2017 challenge - 821.76 #10
    • misscousinitt
    • By misscousinitt 27th Jan 18, 12:07 PM
    • 3,612 Posts
    • 20,870 Thanks
    misscousinitt
    Hi LP

    Sorry I haven't checked in for ages - had a mad 12 months with lots of changes.

    Looks like you have been AWOL too. Hope you are okay and keep chipping away at that mortgage.

    MCI
    Mortgage Free x 1 03.11.2012 - House rented out Feb 2016
    Mortgage No 2: 89, 489.14 (20.06.2018)
    OP's to Date 6000

    Renovation Fund:736.95;
    Nectar Points Balance: approx 2.50 (after microwave purchase
    • lincoln-potter
    • By lincoln-potter 8th Feb 18, 2:48 PM
    • 880 Posts
    • 4,285 Thanks
    lincoln-potter
    Hi LP

    Sorry I haven't checked in for ages - had a mad 12 months with lots of changes.

    Looks like you have been AWOL too. Hope you are okay and keep chipping away at that mortgage.

    MCI
    Originally posted by misscousinitt

    Hey MCI,

    Yeah the mortgage is being chipped away at. Would be quicker but im stuck by the 10% rule..... the plan is a 5k OP next January and then April 2019 a final OP of 42k and I'll be mortgage free!

    But yeah been busy with the DS who lives with me full time now, I did have a moment of weakness at christmas and got Sky but otherwise I've been rather good on the day to day spends and my stoozing is going well.

    Got a few trips away planned which I am looking forward to.

    MFW #32 6,700/6,700
    Make 2017 in 2017 challenge - 821.76 #10
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