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  • FIRST POST
    • Suffolk lass
    • By Suffolk lass 28th Jan 17, 12:18 PM
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    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 T5 target to clear our mortgage completely (£59,998) - Mortgage Free Wannabes 2019 #37 £23,972.28 after Feb
    Save £12k in 2019 - #68 target is £7k £2543.59 after Feb
    OS Grocery Challenge 2019 target is £3k 20.66% so far, just one March shop left
    My DFD is here
Page 29
    • Suffolk lass
    • By Suffolk lass 6th Jan 19, 1:52 PM
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    Suffolk lass
    Right. Marmalade made this weekend - I simmered the fruits, chopped up into fours for around 3 hours last night then discarded the pips and chopped everything else up and boiled with sugar this morning. In the end I added a couple of packets of pectin as it just wasn't going to set. It is a lovely amber colour now and in jars - loads of them!

    All the decs are away and it is bare and dark without them. I have kept my white tea-light lantern out and a string of LEDs on a battery to brighten a vase
    MFIT T5 target to clear our mortgage completely (£59,998) - Mortgage Free Wannabes 2019 #37 £23,972.28 after Feb
    Save £12k in 2019 - #68 target is £7k £2543.59 after Feb
    OS Grocery Challenge 2019 target is £3k 20.66% so far, just one March shop left
    My DFD is here
    • Suffolk lass
    • By Suffolk lass 6th Jan 19, 6:39 PM
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    Suffolk lass
    Oh dear. the door of the tumble drier has just broken. The inner and outer skins have separated, snapping the little tunnels that the screws attach to. Let's see if I can get a replacement...

    Not immediately obvious if the standard replacement door will fit my large capacity 7kg model. I have emailed Whitegoods (a good forum if you need to research repairs or known issues with err white goods).
    Last edited by Suffolk lass; 06-01-2019 at 11:26 PM.
    MFIT T5 target to clear our mortgage completely (£59,998) - Mortgage Free Wannabes 2019 #37 £23,972.28 after Feb
    Save £12k in 2019 - #68 target is £7k £2543.59 after Feb
    OS Grocery Challenge 2019 target is £3k 20.66% so far, just one March shop left
    My DFD is here
    • Suffolk lass
    • By Suffolk lass 7th Jan 19, 12:05 PM
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    Suffolk lass
    Well the very helpful man at Whitegoods.co.uk came back to me first thing this morning. I have the part references from their site (also cheaper than any of the immediately obvious candidates) and his advice split the components down (presuming I reuse the catch and screws) this is about £15 cheaper than buying a replacement door and £250 cheaper than a replacement machine. I have not explored using an engineer because I, or Mr Suffolk will be able to do this!

    I hope this isn't an indicator that all my whitegoods are going to go wrong...
    MFIT T5 target to clear our mortgage completely (£59,998) - Mortgage Free Wannabes 2019 #37 £23,972.28 after Feb
    Save £12k in 2019 - #68 target is £7k £2543.59 after Feb
    OS Grocery Challenge 2019 target is £3k 20.66% so far, just one March shop left
    My DFD is here
    • Suffolk lass
    • By Suffolk lass 7th Jan 19, 4:02 PM
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    • 25,625 Thanks
    Suffolk lass
    End of year update (a bit late)
    £122,852.54 - This was my total debt when I started this diary

    DEBTS
    Total £122,852.54 £59,997.92 (all mortgage, everything else is done and gone) - that is £62,854.62 or 51.16% paid off so far.


    SAVINGS
    £10,094.68 Emergency pot
    £12,326.28 S&S ISA with Fidelity International
    £8,748.19 DH's S&S ISA (with Charles Stanley Direct]
    £11,727.25 - 7 year bond with Skipton BS - matures Oct 20

    £38,630.43 £42,886.40 Total actual cashable savings and just 11.02% better than when I started (but the debts are reducing and this is our priority)

    Shortfall -£17,111.52 (against debts)

    I hate paying interest and so we will continue to pay down as fast as we can, while living our lives. Our daily interest rate is back to just over £2 a day now - all on the mortgage

    Only 1 more pay cheque for me as the impending retirement date looms ever closer.

    Other things for 2019 -

    MFiT(T5) - I have signed up to completely clear our mortgage within the next three years.
    MFW in 2019 - I have set a £20k target and will post updates here
    Grocery Challenge - I have set a £3000 annual target for the year to include all my stores, all toiletries, groceries and cleaning products. Some but not all cat food and litter - it splits down to 11 months at £200, some for stores and the rest for December, including all the Christmas food and drinks. Alcohol is also included but it seems to breed round here - we have loads lurking
    Save £12k in 2019 - I have set a target of £7k. As I am finishing work it will be lower
    Weight I have got fatter over Christmas and so apart from the lump of bread pudding I ate before going out with DS, I have been good today, so far. We will have some baked fish and veg followed by yogurt and frozen fruit for supper. I had left over hummus and celery before the bread pud. 3 bucket sized cups of coffee and a cup of tea planned. I might log my food here for a while to track it and plot the weight progress. I would like to lost a stone from here by Easter.
    House - cleaner and rat free. Still more flies than normal but hundreds have sacrificed themselves on the blue zap-alter
    Garden - what a mess. Hardly know where to start! - Do intend growing most veg this year and signed up on the All new growing your own in 2019 thread in Green-Fingered
    Leisure - Ordered some books online and I have started looking at camper van porn - indulged in George Clarke's Amazing Spaces
    Friends and Family - DS is here while his car tyres are at the Kwik man's - nice! I saw a friend for a good chat on Saturday and had a fun time with other friends on Friday. I could get used to this!
    Health and Wellbeing - will have to wait until I finish work. I definitely have some tendonitis in my right shoulder/arm/elbow

    Sorry for the gargantuan post!
    MFIT T5 target to clear our mortgage completely (£59,998) - Mortgage Free Wannabes 2019 #37 £23,972.28 after Feb
    Save £12k in 2019 - #68 target is £7k £2543.59 after Feb
    OS Grocery Challenge 2019 target is £3k 20.66% so far, just one March shop left
    My DFD is here
    • Karmacat
    • By Karmacat 7th Jan 19, 4:34 PM
    • 31,136 Posts
    • 183,019 Thanks
    Karmacat
    DEBTS
    Total £122,852.54 £59,997.92 (all mortgage, everything else is done and gone) - that is £62,854.62 or 51.16% paid off so far.
    Originally posted by Suffolk lass
    Woo hoo!

    £38,630.43 £42,886.40 Total actual cashable savings and just 11.02% better than when I started (but the debts are reducing and this is our priority)

    Shortfall -£17,111.52 (against debts)
    I love this comparison, its so important to know what's what.

    Garden - what a mess. Hardly know where to start! - Do intend growing most veg this year and signed up on the All new growing your own in 2019 thread in Green-Fingered
    Ooh ... thats not a board I use. I'd better go have a look this evening

    Leisure
    - Ordered some books online and I have started looking at camper van porn - indulged in George Clarke's Amazing Spaces
    I watched his programme for the first time last night

    Friends and Family
    - DS is here while his car tyres are at the Kwik man's - nice! I saw a friend for a good chat on Saturday and had a fun time with other friends on Friday. I could get used to this!
    That's nice and you've got a lot more to come, Real Soon Now!
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • Suffolk lass
    • By Suffolk lass 11th Jan 19, 7:49 AM
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    • 25,625 Thanks
    Suffolk lass
    The boiler is up the creek - no heating, we tried it over New Year and it clicks but does not fire. I have been researching with my neighbours as to who they use as I am not happy. Also the fuse blew so no hot water on Monday (which I fixed), the flexi hose jubilee clip had come loose so the oil smell was filling the house (I fixed that too) but checking this morning, the pressure was up over 2.5 so just bled 5 large jugs of water (1.5 pints each) to get it down under 1.5 pressure. I must phone an engineer for a repair but going to try a different company as the engineer who serviced it did not do the job properly (in my opinion!) - I am going to check with my neighbour who first installed it beforehand so I sound like I know what I am talking about - I hate being patronised and sadly, many men round here do that
    MFIT T5 target to clear our mortgage completely (£59,998) - Mortgage Free Wannabes 2019 #37 £23,972.28 after Feb
    Save £12k in 2019 - #68 target is £7k £2543.59 after Feb
    OS Grocery Challenge 2019 target is £3k 20.66% so far, just one March shop left
    My DFD is here
    • Suffolk lass
    • By Suffolk lass 11th Jan 19, 11:23 AM
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    Suffolk lass
    Just had a mooch around our accounts and probably foolishly, I was feeling a bit flush so have Tilly Tidied down to the next hundred pounds in each. It all looks very tidy and I will survive until pay-day providing nothing major and unexpected happens.

    That said, my tumble dryer repair parts have yet to arrive and be applied, and the boiler is iffy. So maybe it will all go T-up
    MFIT T5 target to clear our mortgage completely (£59,998) - Mortgage Free Wannabes 2019 #37 £23,972.28 after Feb
    Save £12k in 2019 - #68 target is £7k £2543.59 after Feb
    OS Grocery Challenge 2019 target is £3k 20.66% so far, just one March shop left
    My DFD is here
    • Suffolk lass
    • By Suffolk lass 12th Jan 19, 9:20 AM
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    Suffolk lass
    We are nearly following our diet - weight is reducing more slowly than it should thanks to the odd potato, a bit of pastry and a few chocolates... oh, and a bowl of ice cream each Well, it is winter and a little carb is a comfort thing

    I made leftovers tart last night. Rustled up some pastry from store-cupboard, sauteed half a dozen wonky onions in butter and oil, and made the tart with 4 eggs (from before New Year ) and some cream found lurking. Topped with a bit of mouldy grated cheese. Yum! - half left for today that will clear up salad and a small jacket potato
    MFIT T5 target to clear our mortgage completely (£59,998) - Mortgage Free Wannabes 2019 #37 £23,972.28 after Feb
    Save £12k in 2019 - #68 target is £7k £2543.59 after Feb
    OS Grocery Challenge 2019 target is £3k 20.66% so far, just one March shop left
    My DFD is here
    • Suffolk lass
    • By Suffolk lass 12th Jan 19, 2:27 PM
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    • 25,625 Thanks
    Suffolk lass
    After mentioning Doris Grant (of "Your Daily Bread" fame) to TOPM on here, I have bought three second hand books by her to begin my retirement leisure with. Just been delivered. She was the person who first advocated food combining, based on her allergies and reactions to foods. She was also a great advocate of Professor Hay in USA - he of the Hay Diet, I believe. It really makes you think. This woman was published in the 1940s through to the 1970s but her message is so relevant for today. I am looking forward to reading them. Always more to learn!
    MFIT T5 target to clear our mortgage completely (£59,998) - Mortgage Free Wannabes 2019 #37 £23,972.28 after Feb
    Save £12k in 2019 - #68 target is £7k £2543.59 after Feb
    OS Grocery Challenge 2019 target is £3k 20.66% so far, just one March shop left
    My DFD is here
    • Karmacat
    • By Karmacat 12th Jan 19, 4:39 PM
    • 31,136 Posts
    • 183,019 Thanks
    Karmacat
    Sounds interesting, SL. I like the idea of food combining, I drifted away for a while, must get going again.
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • Suffolk lass
    • By Suffolk lass 13th Jan 19, 8:59 AM
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    • 25,625 Thanks
    Suffolk lass
    Yes, I think I like the idea if it helps with energy and aches and pains - for me I know being on my regular mediterranean diet stops my ankles and knees hurting - I was told by an orthopaedic surgeon that my knees were a bit worn out and showing 2nd stage of osteoarthritis about 20 years ago and this was as a result of playing hockey on the first generation of artificial pitches (in an age of sports shoes that are the equivalent of cardboard soles when compared to today's high tech objects) - so I must not complain as they are still going! - back to the diet I think sugar and weight are my main culprits.

    I want to see what our Doris wrote about potatoes and bread because pasta and rice (except in macaroni and puddings) would have been a bit unusual in her day and in the winter we do struggle with lack of starchy carbs (the mis-fit between our climate and diet!). There is some really interesting research around making carbs more complex (slower to release their energy) if they are chilled when cooked and then reheated - so rice in a freezer could be consumed in portions out of a bigger container, like frozen peas and have less impact on blood sugars. My friend routinely chills part-boiled potatoes in the fridge overnight before roasting them, and I wanted to do a bit of research. Porridge is DH's refuge for lovely starchy food in cold spells (no shortage of fibre in his diet, I might add!)
    MFIT T5 target to clear our mortgage completely (£59,998) - Mortgage Free Wannabes 2019 #37 £23,972.28 after Feb
    Save £12k in 2019 - #68 target is £7k £2543.59 after Feb
    OS Grocery Challenge 2019 target is £3k 20.66% so far, just one March shop left
    My DFD is here
    • Suffolk lass
    • By Suffolk lass 13th Jan 19, 9:48 AM
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    Suffolk lass
    I wish my tumble dryer was fixed. I am going to use it today anyway but each time I open the door it feels more precarious. The parts are due this week and it will be at least Thursday before I address this.

    This is my last week at the office
    MFIT T5 target to clear our mortgage completely (£59,998) - Mortgage Free Wannabes 2019 #37 £23,972.28 after Feb
    Save £12k in 2019 - #68 target is £7k £2543.59 after Feb
    OS Grocery Challenge 2019 target is £3k 20.66% so far, just one March shop left
    My DFD is here
    • Karmacat
    • By Karmacat 13th Jan 19, 10:18 AM
    • 31,136 Posts
    • 183,019 Thanks
    Karmacat
    The chilling and then final cooking sounds very interesting, please post your research on here, I'd love to read about it.


    This is your last week at the office



    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • Suffolk lass
    • By Suffolk lass 13th Jan 19, 11:38 AM
    • 2,623 Posts
    • 25,625 Thanks
    Suffolk lass
    The chilling and then final cooking sounds very interesting, please post your research on here, I'd love to read about it.


    This is your last week at the office



    Originally posted by Karmacat
    I will and I know - I am excited, combined with a bit of sadness, a bit of trepidation and definite seasoning of desertion tendency (someone at work actually used the "rat leaving a sinking ship" analogy).

    We are heading towards a deadline at work and I think it feels weird to be going now, before it is reached, but my decision is based on the maths, and I start losing money if I stay any longer
    MFIT T5 target to clear our mortgage completely (£59,998) - Mortgage Free Wannabes 2019 #37 £23,972.28 after Feb
    Save £12k in 2019 - #68 target is £7k £2543.59 after Feb
    OS Grocery Challenge 2019 target is £3k 20.66% so far, just one March shop left
    My DFD is here
    • Karmacat
    • By Karmacat 13th Jan 19, 12:11 PM
    • 31,136 Posts
    • 183,019 Thanks
    Karmacat
    SL, that sounds a much more complex situation than is usually the case but yes, you have to take care of you - losing money to work is an absolute no-no! It sounds awful ...
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • beanielou
    • By beanielou 13th Jan 19, 4:36 PM
    • 61,877 Posts
    • 265,229 Thanks
    beanielou
    Happy last day at work
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
    • Suffolk lass
    • By Suffolk lass 24th Jan 19, 11:43 AM
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    • 25,625 Thanks
    Suffolk lass
    Well here I am again - a week after my last day at work and I have spent the whole time ill in bed! I had to get up and dressed this morning as the new man was coming to fix the boiler. I am delighted to report we now have heating!

    And the parts to mend my tumble dryer have been delivered! I just have to build up enough energy to be able to stand up long enough to fix it! In the meantime, a bit of parcel tape is acting as an interim repair and I have done most of the washing.

    So far I have felt too ill to pay attention to the things I should be doing and am in danger of becoming a fan of one of the daytime TV dramas!

    From a dietary perspective I no longer need to fret about losing that Christmas poundage as it has gone, along with a few more. My jeans feel positively baggy! I was feeling so much smaller I pulled out an old, much loved dress and tried it on and it fitted over the top of my jeans so hopefully I won't shrink through it without getting a chance to wear it again (a summer item). We are sort of back on the Mediterranean regime but it is too cold not to have a few starchy things - so last night I peeled and sliced some home-grown potatoes, rinsed off the surface starch and then layered them in a small dish, topped with chicken and veg stock then baked. Yummy with some baked fish and peas.

    I think I am in the avoidance phase - I have so many things I should be doing but instead I feel a cup of tea and some toast calling, maybe with an egg or two...

    And roll on Pay-Day for DH - tomorrow. My Grocery Challenge total for January is about £77 plus £28 for stores so well under the £200 per month I allow. We shall see how long that lasts when I am popping into town because I can...
    MFIT T5 target to clear our mortgage completely (£59,998) - Mortgage Free Wannabes 2019 #37 £23,972.28 after Feb
    Save £12k in 2019 - #68 target is £7k £2543.59 after Feb
    OS Grocery Challenge 2019 target is £3k 20.66% so far, just one March shop left
    My DFD is here
    • beanielou
    • By beanielou 24th Jan 19, 12:24 PM
    • 61,877 Posts
    • 265,229 Thanks
    beanielou
    So the next part of your journey begins
    Hope you are on the mend really soon.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
    • Karmacat
    • By Karmacat 24th Jan 19, 1:42 PM
    • 31,136 Posts
    • 183,019 Thanks
    Karmacat
    I think you're in the convalescence phase, SL, not the avoidance phase! You poor thing, fancy being so ill - just shows it's ready to smack us any time. Lovely to hear you've got heat again, that will definitely put you on the right road.
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • WannabeFree
    • By WannabeFree 24th Jan 19, 7:30 PM
    • 3,386 Posts
    • 31,479 Thanks
    WannabeFree
    Hope you're feeling better soon

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”

    POAMAYC 19 #70 £1561/£2070
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