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    • Suffolk lass
    • By Suffolk lass 28th Jan 17, 12:18 PM
    • 2,150Posts
    • 22,338Thanks
    Suffolk lass
    Get a grip woman!
    • #1
    • 28th Jan 17, 12:18 PM
    Get a grip woman! 28th Jan 17 at 12:18 PM
    Having been reading a number of people's debt-free wannabe diaries for some time now, I have finally decided I will start my own.

    We are less than three years from wanting to stop work, and less than ten years from state retirement age. I manage our household finances and DH lets me get on with it. His attitude is more "live for today" so we are a good balance, I think. We have two holidays each year and sometimes more - and he has some boys toys - 2 Harley Davidson motorcycles in the garage, that seem to always need money spending on them. That said, there is more to be said in favour of a happy and contented DH than against them so I don't resent them in any way.

    So to debts - It seems a good time because I have recently finished the finance on my car, and as of yesterday, paid off the finance for DS's car (I borrowed from him 18 months ago and paid back by buying his car on finance and paying his insurance). I was paying 4.7% on that debt so it was my highest priority. I paid it off 10 months early using most of my HSBC Regular Saver that matured this week.

    The debts I have currently are:

    110,621 - Mortgage - interest rate of 0.74% (0.5 above the BoEBR)
    3,476 - DH's car - 0% credit card until Sept 17 - a 4000 cash advance with a 76 fee
    8,755.54 - Barclays Finance for double glazing 0% over 2 years 2/24 paid

    Total 122,852.54

    It isn't that I can't afford to keep up payments, it is more that I want us to start our non-work phase without them hanging over us, if you know what I mean.

    I think that will do for a scene setter.

    SL
    MFiT T4 #2 update 90.89% after Q11 against revised stretch target of 60k balance
    Save 12k in 2018 #53 83.33% 9,999.70/12,000 (after upping my target from 10k to 12k in October)
    OS Grocery Challenge 2018 spent 1,696.43/3,000 including stores 67.14% of my annual budget at the end of Oct.
    My DFD is here
Page 23
    • trix-a-belle
    • By trix-a-belle 13th Sep 18, 8:46 PM
    • 858 Posts
    • 3,655 Thanks
    trix-a-belle
    Ooh, thanks trix, I hadn't heard of them. The new coordinators have only just taken over and may be open to looking. I will pass it on.
    Originally posted by Suffolk lass
    Ah cool, no worries it may put them out of a job baring assisting older residents. I wish i'd found them when I moved rather than once I had a bit of time to look about, as it immediately saved the 'calling round beating suppliers up with each others prices' time.
    - Mortgage: 1st one down, 2nd: 114800 100k
    - Student Loan: 7100 0!
    Swagbucks, Neobux, GiffGaff, Roamler, Qmee & Quidco; thank you MSE every little bit helps
    MFiT-T4
    • Suffolk lass
    • By Suffolk lass 15th Sep 18, 3:16 PM
    • 2,150 Posts
    • 22,338 Thanks
    Suffolk lass
    We are looking to replace DH's commuting car when he retires next summer. I am currently looking at an electric car with 0 Vehicle excise duty (road fund tax) and that I can charge from a few solar panels on my garage roof.

    I do also want a couple of solar panels so I can heat the growing-tunnel I am planning to grow lots of my own (beyond our current allotment sized veg garden).

    Currently very taken with the VW E-Up (except it sounds as though it is for Yorkshire people, with Yorkshire accents) but it is probably beyond my hoped-for budget. It is the balance between buying something that immediately loses 20% of its' value, and buying second-hand and having to allow for replacement batteries in the budget.
    MFiT T4 #2 update 90.89% after Q11 against revised stretch target of 60k balance
    Save 12k in 2018 #53 83.33% 9,999.70/12,000 (after upping my target from 10k to 12k in October)
    OS Grocery Challenge 2018 spent 1,696.43/3,000 including stores 67.14% of my annual budget at the end of Oct.
    My DFD is here
    • Suffolk lass
    • By Suffolk lass 16th Sep 18, 9:37 AM
    • 2,150 Posts
    • 22,338 Thanks
    Suffolk lass
    This month's flat period has received a little boost! I forgot to add the amount left in the running costs account on pay-day to the salary and have been awaiting a plunge in total that is not going to happen. With just ten days until DH's pay-day I am tempted to pay the oil man early. Probably prudent to wait until pay-day in all honesty. DH's car VED just DD'd unexpectedly and there could be more to come...
    MFiT T4 #2 update 90.89% after Q11 against revised stretch target of 60k balance
    Save 12k in 2018 #53 83.33% 9,999.70/12,000 (after upping my target from 10k to 12k in October)
    OS Grocery Challenge 2018 spent 1,696.43/3,000 including stores 67.14% of my annual budget at the end of Oct.
    My DFD is here
    • Suffolk lass
    • By Suffolk lass 23rd Sep 18, 8:34 AM
    • 2,150 Posts
    • 22,338 Thanks
    Suffolk lass
    Used a whole cabbage out of the fridge (it had been there all month (ahem)). Made two batches of soup. The slow-cooked one looks a bit brown (made with roasted veg and cabbage in the slow cooker overnight. Yesterday's lunch one was lovely and fresh-tasting.

    We let the YS shelf (The "Poor Shelf" as a friend's Mum calls it!) drive this week's purchases. So YS fillet steak in a stir-fry with some reduced S-Fry veg last night and YS Cod-Loin with Prawns from the freezer to try the recipe Waitflower trailed on TV this week - I have prawns in the freezer.

    I also picked up a pack of Lamb neck that I will stew with fridge veg and Pearl Barley for an evening slow-cooker short-cut, and some minced steak that Morries mince on the premises to use up the off-cuts from other cuts (I prefer this to the pre-packed 3 for 10 style packs).

    Other than that we are just waiting for pay-day really. Roll on 26th which is DH's pay day. I only have 5 left. And fewer than 60 working days left.
    MFiT T4 #2 update 90.89% after Q11 against revised stretch target of 60k balance
    Save 12k in 2018 #53 83.33% 9,999.70/12,000 (after upping my target from 10k to 12k in October)
    OS Grocery Challenge 2018 spent 1,696.43/3,000 including stores 67.14% of my annual budget at the end of Oct.
    My DFD is here
    • Karmacat
    • By Karmacat 23rd Sep 18, 9:43 AM
    • 30,031 Posts
    • 174,039 Thanks
    Karmacat
    Those meals sound wonderful, and I like the Waitflower thing, thats very creative

    Fewer than 60 working days
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • enthusiasticsaver
    • By enthusiasticsaver 23rd Sep 18, 1:46 PM
    • 7,280 Posts
    • 15,956 Thanks
    enthusiasticsaver
    Goodness your retirement date is creeping up. I can hardly believe I will have been retired a year in December. Time just flies past. Sounds like you have your menus planned well for next week. Our week is a bit haphazard next week due to visitors, eating out and celebrations for my DGD1s 3rd birthday tomorrow and DHs 60th in 10 days time.
    Debt free and mortgage free and early retiree. Living the dream

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages and Endowments, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com
    • Treadingonplaymobil
    • By Treadingonplaymobil 24th Sep 18, 5:35 AM
    • 1,765 Posts
    • 18,163 Thanks
    Treadingonplaymobil
    Wow, so close to retirement day! That must feel like such a massive milestone.
    67,031.92 is a frightening number indeed... The debt free diary of one family and their enormous debt
    LBM debt on 12th Feb 2017: 38,608 unsecured debt/20,000 parental loan/173,282 mortgage = 231,890
    debt on 1st Sept 2018: 12,221.27 unsecured debt/19,940 parental loan/191,003.72 mortgage = 223,165
    • Suffolk lass
    • By Suffolk lass 28th Sep 18, 11:06 AM
    • 2,150 Posts
    • 22,338 Thanks
    Suffolk lass
    Massive Smassive milestone!!

    In other news my weight-loss continues to hover around 6-7 pounds after 3.5 weeks of the 8-week regime. I am sure this is because I am eating more "free things" and because I did it before and my body simply processes things differently.

    Yesterday I had emergency dental repairs (under 60) with a new titanium post fitted to the tooth next to my upper front tooth and this morning I woke up with the tip of the repair in my mouth (obviously I am grinding my teeth at the moment). My dentist is miles away and my agenda for today is extensive so out came the "Diamon-Deb" (metal nail file) and I have manually filed away the sharp edge that was lacerating my top lip and tongue tip (why are these things so irresistible to our tongues?) as a DIY interim solution.

    Pay Day today (and breathe!!). I need to do the full update in due course but have paid for the oil 1000l = 530.25 - over 150 more than last time. I have also chased Plusnet (cockup in the systems put our annual line rental payment into the usage part, which meant we are showing a 166 credit and they are charging us the premium charge for line rental each month, and no bill ).

    Then there is Flow, who we left in May but only issued the final bill on 30th August (I knew I owed them money and nudged them twice). They took it by DD on 12th Sept and issued me a (probably 4 months overdue time-triggered) letter to say my account was overdue! At least they answer their phones and resolve things in the call-centre. Very excellent Customer Service, as always. Shame about the cost.

    I've booked the Boiler Service too and the Chimney Sweep is coming this afternoon. Does anyone else have that "12,000 mile service" sensation in their home when it all needs doing!? - The Sweep has to do the chimney before we can have a fire - it is a condition of our House Insurance (being thatched). Obviously with a wood burner it is essential anyway!

    Off to get a haircut now (at the Barber - 14.50!) before a quick clean and tidy ahead of a meeting here at 3pm.

    Meal tonight will be leek and cauliflower au gratin and I will use last night's leftover Ragu to make a chili for tomorrow

    I'll never be as organised as TOPM but this is my way of being accountable for today's list.
    Last edited by Suffolk lass; 28-09-2018 at 11:08 AM. Reason: typo
    MFiT T4 #2 update 90.89% after Q11 against revised stretch target of 60k balance
    Save 12k in 2018 #53 83.33% 9,999.70/12,000 (after upping my target from 10k to 12k in October)
    OS Grocery Challenge 2018 spent 1,696.43/3,000 including stores 67.14% of my annual budget at the end of Oct.
    My DFD is here
    • Karmacat
    • By Karmacat 29th Sep 18, 7:52 PM
    • 30,031 Posts
    • 174,039 Thanks
    Karmacat
    In other news my weight-loss continues to hover around 6-7 pounds after 3.5 weeks of the 8-week regime. I am sure this is because I am eating more "free things" and because I did it before and my body simply processes things differently.
    Originally posted by Suffolk lass
    Holding the weight loss is good enough for now, yes? Plateaux don't *feel* good, but it sounds like you know yourself and your eating habits really well, I bet you adjust so you can keep on going.


    Yesterday I had emergency dental repairs (under 60) with a new titanium post fitted to the tooth next to my upper front tooth and this morning I woke up with the tip of the repair in my mouth (obviously I am grinding my teeth at the moment). My dentist is miles away and my agenda for today is extensive so out came the "Diamon-Deb" (metal nail file) and I have manually filed away the sharp edge that was lacerating my top lip and tongue tip (why are these things so irresistible to our tongues?) as a DIY interim solution.
    Oh good grief I can't believe you had the courage to do that! That was very brave
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • Suffolk lass
    • By Suffolk lass 30th Sep 18, 7:39 AM
    • 2,150 Posts
    • 22,338 Thanks
    Suffolk lass
    Haha - don't worry KC there was no pain involved with the dental repair, just some white dust. He also replaced a crown and I managed to floss out the extra cement I could feel between two of my back teeth where he stuck it.

    Re the weight loss, this is me joining in with my DH to whom I recommended the diet (because it worked for me) and there is a competitive determination to be near where he is, even though that is unlikely. I would like him to lose 4 stone from where he started, over the next year or two (so nothing drastic ) - in terms of time I mean, not total. He has given up school puddings and custard and the biscuits and cakes that proliferate in school staff-rooms, especially the Food Tech part of the Design and Technology Department! He is finding the starchy carbs harder but at least it is autumn, not winter. I have promised some potatoes and bread/crackers at Christmas.

    Anyway, he is up to 11lbs whereas I am at 7. I suppose I could also aim for 4 stone but I think I have been big for so long, it might be a bit drastic. Three is enough for me, over a couple of years..

    My tooth survived last night! no more in my mouth this morning!
    MFiT T4 #2 update 90.89% after Q11 against revised stretch target of 60k balance
    Save 12k in 2018 #53 83.33% 9,999.70/12,000 (after upping my target from 10k to 12k in October)
    OS Grocery Challenge 2018 spent 1,696.43/3,000 including stores 67.14% of my annual budget at the end of Oct.
    My DFD is here
    • Karmacat
    • By Karmacat 30th Sep 18, 9:38 AM
    • 30,031 Posts
    • 174,039 Thanks
    Karmacat
    Okay, the tooth news is good, thanks for that

    Comparative weight loss ... did you ever watch that show, The Biggest Loser? I know it polarised people, and for years I thought it was disgusting ... but when a local friend told me they assessed who'd lost most in terms of percentages of their own starting weight, I watched it for quite a while....thats just a long winded way of saying that your 7 might be your OH's 11
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • Suffolk lass
    • By Suffolk lass 6th Oct 18, 8:39 AM
    • 2,150 Posts
    • 22,338 Thanks
    Suffolk lass
    Not sure how I missed your reply KC - anyway have a lovely holiday. Teeth and weight setting into the groove (pun intended) - and I am up to 8lbs now. I'm happy with the pace of loss and don't feel deprived.

    More later - I am looking at whether I could buy a house with the amount we have paid off since we started over-paying the mortgage (that record goes longer than this diary) it won't be as good as the post on mortgage free wannabees thread that I read this morning but maybe a beach hut or mobile home haha
    MFiT T4 #2 update 90.89% after Q11 against revised stretch target of 60k balance
    Save 12k in 2018 #53 83.33% 9,999.70/12,000 (after upping my target from 10k to 12k in October)
    OS Grocery Challenge 2018 spent 1,696.43/3,000 including stores 67.14% of my annual budget at the end of Oct.
    My DFD is here
    • Karmacat
    • By Karmacat 6th Oct 18, 9:28 AM
    • 30,031 Posts
    • 174,039 Thanks
    Karmacat
    Thanks SL! Long live beach huts, thats what I say
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • Suffolk lass
    • By Suffolk lass 7th Oct 18, 9:45 AM
    • 2,150 Posts
    • 22,338 Thanks
    Suffolk lass
    This link to a property in a neighbouring town is how much we have paid off our mortgage since I started getting serious about paying it down in December 2012. It was 230,000 when we moved to this house in late November 2004 so we paid off 62,215.69 in the first eight years and so far 102,784.31 within the next 6 (with another month to go). I feel a bit more positive about the progress having worked this out !!!
    MFiT T4 #2 update 90.89% after Q11 against revised stretch target of 60k balance
    Save 12k in 2018 #53 83.33% 9,999.70/12,000 (after upping my target from 10k to 12k in October)
    OS Grocery Challenge 2018 spent 1,696.43/3,000 including stores 67.14% of my annual budget at the end of Oct.
    My DFD is here
    • Cumbria lass
    • By Cumbria lass 7th Oct 18, 9:51 AM
    • 2,386 Posts
    • 14,695 Thanks
    Cumbria lass
    Hi SL, always ready your thread , but don't comment.

    I am looking forward to reading your plans for after retirement, apologies if you have already mentioned this.

    Well done on the massive reduction on your mortgage in the past 6/7 years. Just goes to show with hard work and determination you can get far.
    CC1 3500 Nov 2018.
    • 24ta
    • By 24ta 7th Oct 18, 11:51 PM
    • 13 Posts
    • 68 Thanks
    24ta
    Have read your diary over past week.

    You have done so well.

    Subscribed
    So many unachieved goals, I have to make this year my year!
    • Treadingonplaymobil
    • By Treadingonplaymobil 8th Oct 18, 4:49 AM
    • 1,765 Posts
    • 18,163 Thanks
    Treadingonplaymobil
    Wow, amazing mortgage overpayment. <contemplates own paltry debt repayments>

    We have often thought we might buy a flat or similar as a retirement income, but it's all so far away at the moment, logistically and in years, that it's very hard to contemplate seriously. Looking forward to see how your plans shape up.
    67,031.92 is a frightening number indeed... The debt free diary of one family and their enormous debt
    LBM debt on 12th Feb 2017: 38,608 unsecured debt/20,000 parental loan/173,282 mortgage = 231,890
    debt on 1st Sept 2018: 12,221.27 unsecured debt/19,940 parental loan/191,003.72 mortgage = 223,165
    • Suffolk lass
    • By Suffolk lass 14th Oct 18, 12:24 PM
    • 2,150 Posts
    • 22,338 Thanks
    Suffolk lass
    Thanks for your encouragement everyone. Armed with my smug-filter (it means I have a tendency to get all complacent) we went to the Suffolk Farmers market yesterday. The phrase "charged like a raging bull" comes to mind. We did succumb to some lamb and mint sausages from a local farm, and some dried beans and pulses that are all grown locally, oh and some herbs, oh dear, and some onions, and some socks for DH (size 13 so unusual to find any at this sort of event). No wonder I have almost no cash left. On the other hand, it was a bit of a treat and I will get imaginative.

    I have just prepped a huge bag of veg to roast in with the shoulder of lamb that is already in the slow oven. I love all the squashes and onions that make such lovely meals at this time of year.

    DH is off out with his Harley chums today and DS is not coming over until 4pm. I could be so productive.... or I could sit and luxuriate in reading the paper. I think I will go read the Business and Money pages - sort of educational relaxation (she says, attempting to justify her choice).

    There is b-all money stuff to talk about as this is that dross stage of the month when just one or two things still need paying but most have settled.

    Diets continue. Two more weeks on the 8-week thing. Hoping we can each lose 2lbs in that time. It should be do-abe if we are not too greedy.

    Ooh, there is DH back early. No paper for me then!
    MFiT T4 #2 update 90.89% after Q11 against revised stretch target of 60k balance
    Save 12k in 2018 #53 83.33% 9,999.70/12,000 (after upping my target from 10k to 12k in October)
    OS Grocery Challenge 2018 spent 1,696.43/3,000 including stores 67.14% of my annual budget at the end of Oct.
    My DFD is here
    • Treadingonplaymobil
    • By Treadingonplaymobil 15th Oct 18, 5:22 AM
    • 1,765 Posts
    • 18,163 Thanks
    Treadingonplaymobil
    I love a good market, and always end up spending more than I should as it all looks so tempting!
    67,031.92 is a frightening number indeed... The debt free diary of one family and their enormous debt
    LBM debt on 12th Feb 2017: 38,608 unsecured debt/20,000 parental loan/173,282 mortgage = 231,890
    debt on 1st Sept 2018: 12,221.27 unsecured debt/19,940 parental loan/191,003.72 mortgage = 223,165
    • Karmacat
    • By Karmacat 15th Oct 18, 10:48 AM
    • 30,031 Posts
    • 174,039 Thanks
    Karmacat
    Hi SL! Good for you on your market purchases - you bought eatables, and not sugary rubbish, and completely not useless tut, lovely quality stuff, its a nice treat. I've just found mint sauce again - smells *so* good!


    Oh, and PS - thats very interesting about what you could buy with the overpayments you've made, a really good concept about how to encourage yourself.
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
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