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  • FIRST POST
    • pinkypig
    • By pinkypig 22nd Jul 17, 6:12 PM
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    pinkypig
    And so it begins: The Pig Vs The Mortgage
    • #1
    • 22nd Jul 17, 6:12 PM
    And so it begins: The Pig Vs The Mortgage 22nd Jul 17 at 6:12 PM
    Hi everyone, after literally years of lurking I'd very much like to join you if I may? Having been truly inspired by the commitment and achievements of Secret Saving Squirrel,Tilly and Museumworker I'm finally convinced that the best way of remaining motivated and on task is to keep a diary. I'm hoping that regular reporting will lead to increased levels of accountability and reduced levels of excuse making
    To provide a little background there's me and two piglets. I work fulltime in a job that I enjoy but which is becoming increasingly demanding in terms of time and energy. Consequently,I want to achieve financial freedom within 7 years. I aim to do this through a combination of increased voluntary pension contributions and overpayments on my mortgage.
    I find discussing these things in RL a little uncomfortable as most of my peers don't really get where I'm coming from. The perception seems to be that to live thriftily is to endure a miserable existence and living a full life involves endless spendy hobbies and events. I know the folks on here are kindred spirits so I'm hoping for a place to celebrate success and to off load anxieties as I embark on my slightly scary but rather liberating journey to freedom
    Last edited by pinkypig; 22-07-2017 at 6:22 PM.
Page 26
    • pinkypig
    • By pinkypig 1st Feb 18, 4:58 PM
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    pinkypig
    They are all looking like brilliant figures PP.
    Originally posted by wishingthemortgaheaway
    Thanks Wish. Making the most of them as my income is going to be significantly down for a couple of months. Makes you realise how important an emergency fund is though
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 1st Feb 18, 5:51 PM
    • 1,469 Posts
    • 7,030 Thanks
    wishingthemortgaheaway
    Thanks Wish. Making the most of them as my income is going to be significantly down for a couple of months. Makes you realise how important an emergency fund is though
    Originally posted by pinkypig
    Absolutely, or at least Money put in various pots that could be combined to be an emergency fund in a dire emergency. (Which is what I seem to have at the moment...)
    The 100 payment countdown (each payment = 400) 2018 Starts at 13/100 o/s 34,750.
    Jan 18 14/100 Feb 15/100 March 18/100 April 19/100 May 20/100 June 21/100
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2024 Jan 2024
    MFW 2018 Challenge Member #162 1600ish/2,500
    • pinkypig
    • By pinkypig 1st Feb 18, 8:37 PM
    • 1,263 Posts
    • 10,231 Thanks
    pinkypig
    Absolutely, or at least Money put in various pots that could be combined to be an emergency fund in a dire emergency. (Which is what I seem to have at the moment...)
    Originally posted by wishingthemortgaheaway
    Would be in a right panic without mine at the moment!
    Hope you and yours are well xx
    • pinkypig
    • By pinkypig 1st Feb 18, 9:12 PM
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    pinkypig
    It feels like the weekend - I'm on a course tomorrow and i left everything up to date when I left this evening so I've no marking over the weekend

    Today has been really rather nice. They are not the easiest class I've ever had and its getting bigger by the day at the moment but they are settling down and are definitely less wearing than they were. Remind me I said that the next time they have worn me to a frazzle!

    In money news I've still got no rent but prompted by Martin's email I did app!y for and M&S credit card before the deadline and it was accepted so as long as I spend 100 on it in the next two months and buy something from M&S with it then I'll have 55 worth of points and vouchers to spend on lovely things . I always think those meal deals with wine look rather nice so I might treat us to one
    Other mfw successes are;

    Cleaned out and organised the freezer and did a proper inventory. I now know what is in there and where. The main thing that came out of my inventory is I need to step away from the ys luxury bakery goods They all look yummy though so we'll be eating well for a while.

    Defrosted cauliflower cheese, dauphnoise potatoes, stuffing, roast veg, red cabbage and lo pigs in blankets for an easy mock roast dinner tomorrow night. I also found two duck carcasses (as you do) so they are in the slow cooker overnight on low to make stock for gravy and a few things that are on the menu plan for this week

    Nsd

    Quick kitchen clean and emptied all the bins.

    Load of laundry in the machine with half quantities of liquid.

    Spin class done and showered at the LC with half quantities of shampoo, conditioner and shower gel

    Cheap healthy eats (overnight oats for breakfast, lo carbonara from the freezer for lunch, dal, pilau rice and him naan from the freezer (seeing any patterns?) for dinner). Lunch tomorrow will be egg Mayo in posh ys rolls as I have eggs that need using up.

    Thought through February's goals which will be;

    Exercise 4 times a week

    Drink 2 litres of water

    Tidy the garden and get rid of the last bits of that b****y shrub

    Get to bed by 10.30

    Finish my book, its really good but I get distracted by other stuff and don't read like I used to.

    430 into os pot

    880 into avc

    As its a four week month budgets will be

    Grocery 128

    Fuel. 120

    Personal 46

    Personal spends are looking iffy already as I've spent 12.19 on holiday goodies and I'm going out tomorrow night Might not be doing much else in February!

    I'm off for the latest installment of Silent Witness with lights out by 10.30.

    Happy Thursday

    PPxx
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 1st Feb 18, 9:17 PM
    • 1,469 Posts
    • 7,030 Thanks
    wishingthemortgaheaway
    What year do you teach Pp?
    I've had some particularly draining classs in the past, you are nearly half way through the year though.
    The 100 payment countdown (each payment = 400) 2018 Starts at 13/100 o/s 34,750.
    Jan 18 14/100 Feb 15/100 March 18/100 April 19/100 May 20/100 June 21/100
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2024 Jan 2024
    MFW 2018 Challenge Member #162 1600ish/2,500
    • pinkypig
    • By pinkypig 3rd Feb 18, 8:06 AM
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    • 10,231 Thanks
    pinkypig
    What year do you teach Pp?
    I've had some particularly draining classs in the past, you are nearly half way through the year though.
    Originally posted by wishingthemortgaheaway
    Year 5 and 6 xx
    • pinkypig
    • By pinkypig 3rd Feb 18, 8:21 AM
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    pinkypig
    Saturday yey

    I'm in bed with a large coffee, love this weekend treat

    I had a night out last night which is unusual for me as i tend to socialise at home or in friends homes these days. It was with my oldest mates ( we met at primary school) and they are such good fun and we always have a good gossip and lots of laughs. Can't really cope with late nights these days but glad I went. Tickets were 10 but as I was driving and offered taxi service I had no other spends as my drinks were provided by way of a thank you.

    Other than that there were no other spends yesterday. In other money news I have rent so I paid off my cb cc that I have for grocery and fuel which was quite large this month as it also had buildings insurance and a car service on it. So a nice, clean start to the new month has now been achieved thank goodness.

    Today's to dos are;

    Go to bank with dd to sort out some stuff. She's saving like mad for a house deposit and is doing really well. So proud of her

    Sort out roast dinner for tonight

    Housework

    Tidy garden if the weather improves

    Food shopping

    Help ds with his homework

    Happy weekend

    PPxx
    • EatingTheElephant
    • By EatingTheElephant 3rd Feb 18, 8:37 AM
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    EatingTheElephant
    Enjoy your weekend PP, glad your rent came through eventually.
    • Karmacat
    • By Karmacat 3rd Feb 18, 9:19 AM
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    Karmacat
    Sounds great! I love starting the day like that
    Retired August 2016
    • pinkypig
    • By pinkypig 3rd Feb 18, 7:13 PM
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    • 10,231 Thanks
    pinkypig
    Enjoy your weekend PP, glad your rent came through eventually.
    Originally posted by EatingTheElephant
    Thanks ETE, it was a relief. I was getting a bit twitchy. Brought home the true value of mse. Very, very glad of my savings and emergency fund at the moment

    Hope you are well xx
    Sounds great! I love starting the day like that
    Originally posted by Karmacat
    Its the best isn't it Karma? I look forward to it all week
    • pinkypig
    • By pinkypig 3rd Feb 18, 8:31 PM
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    pinkypig
    I've had a total motivation fail today. I'm not sure if it was my late night or just a bout of sloth but I just haven't got going today and I've had to force myself to do every little thing.

    I went with dd and sorted out her money things. She didn't really need me, its just a confidence thing but she handled it all herself and I'm happy to tag along for as long as she needs me. Very proud of how she's planning her future, she's far more astute than I was at that age.

    Other slowly and painfully achieved successes included;

    Uniform, pe kit and disgusting, smelly pe trainers washed and on the airer.

    Made lemon curd with S6 lemons and butter from the freezer which I made a while ago using ys cream. One batch is in the fridge and will go in a lemon cake I rediscovered while tidying the freezer and another two batches have been frozen.

    Did the food shop. This 20.65 in Aldi where I stuck to my list except for honey, chicken stock cubes and cream cheese that weren't on the list but should have been! My only non planned item was lemons as the were great value this week as ds loves hm lemon curd. Other grocery spends were 73p on onion salt and 2.97 on chopped garlic and ginger, cornflour and toothbrushes from hb. This has put me 3.74 over budget for this week so I need to avoid any top ups.

    Roasted a turkey crown in the air fryer. The kids are out and a out tonight so we'll have a roast tomorrow. The remainder is earmarked for turkey curry, turkey and gammon pie and turkey and mushrooms in creamy garlic sauce later in the week. Hope we don't start to gobble

    Everything felt like such an effort today so I'm hoping for an energy surge tomorrow

    One good thing about taking things at a steady pace is I've had time to think. I've felt a bit vulnerable financially this week due to late rent and tenants giving notice. This is a bit silly and unproductive really as worrying solves nothing but it doesnt stop you though doies it? Also, due to mse and the wonderful tips and advice you get along the way its a setback not a crisis.
    I budget my outgoings including my mortgage, pension and additional avc purely on my salary. There's literally no wriggle room but its covered. The rent is earmarked to cover annual costs, holidays, personal spends and MOPs so a few months without rent isn't great but neither is it disastrous. I also have an emergency fund and my savings and MOP in my offset savings. This would not have been true once upon a time and for finding these boards and the skills they've helped me to aquire I am truly grateful. I have thanked my lucky stars for the safety net I now have in place a number of times in the last few weeks.
    Its also helped to reconcile my ongoing pension contributions v MOP dilemma. My avc contributions are very tax efficient and give a return way beyond my MOP (20% v 2.75%) so on pure economics everything should be going into my pension. However, when thast money goes into the pension pot its gone until i retire. My OS payments on the other hand save me interest on my mortgage but are accessible in an emergency or if circumstances change. In addition, I hate the thought of debt and being MF is of huge significance to my overall well being. So this week has reinforced that I've done the right thing for me by doing a bit of both ( whilst weighting it towards my pension). I shall remind myself of this when rent and salary are ticking over and I restart my pensions v MOP debate with myself

    In other news, having used half quantities of dishwasher tabs, laundry liquid, shampoo, conditioner , toothpaste and mouthwash I have notice no difference in performance whatsoever. The kids also don't seem to have noticed the reduced heating hours or the lower temperature

    Off to catch up on some TV before I go and collect ds.

    Happy Saturday night to you

    PP xx
    • Karmacat
    • By Karmacat 4th Feb 18, 9:19 AM
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    Karmacat
    Ouch, it sounds like everything *feels* wobbly, but you *know* its actually okay ... and, um, did you read the list of what you did, it was a lot! But it felt like a struggle, I can hear that.

    Great that you're feeling comfortable with the OP vs pension decision you'd made. Have a good Sunday! Don't know quite where you are, but its sunny round here
    Retired August 2016
    • pinkypig
    • By pinkypig 4th Feb 18, 7:22 PM
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    pinkypig
    Ouch, it sounds like everything *feels* wobbly, but you *know* its actually okay ... and, um, did you read the list of what you did, it was a lot! But it felt like a struggle, I can hear that.

    Great that you're feeling comfortable with the OP vs pension decision you'd made. Have a good Sunday! Don't know quite where you are, but its sunny round here
    Originally posted by Karmacat
    Thank you Karma, you are kind

    I did feel a bit blue yesterday and I couldn't really put my finger on why. I think when things get challenging it sort of draws a big, red line under the fact that the only person available to shoulder it is me which can feel a bit daunting. However, shoulder it I will! Feeling more myself today
    Hope you've had a good weekend - you've certainly been productive xx
    • pinkypig
    • By pinkypig 4th Feb 18, 8:08 PM
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    pinkypig
    Would nit claim to be bursting with energy and enthusiasm but I've certainly been less rubbish than yesterday

    It dawned on me this morning that if I didn't get my a**e into gear I was going to have one hell of a tough week as I've got a lot on at work, two night shifts with dad, an open evening with ds not to mention juggling the usual football training, homework, revision etc etc. That got me moving

    I did have my hour in bed reading but I didn't dilly dally once my hour was up, unlike yesterday. I went out for a very cold, very slippery run but the sun was shining and the sky was blue which fairly lifted my spirits. It also gave me a bit of an energy boost and I did 20 minutes weights arm and core work when I got back.
    The rest of the morning was helping out with homework although I did get the veg for dinner prepped and some spicy lentil soup made while ds was getting it done.

    The rest of the afternoon was spent getting things ready for the week. I roasted a ys turkey crown yesterday and it has so much meat on it! I've never cooked one before and I was amazed at how easily it carved (even with my "skills"!). There was enough for a roast dinner and two smaller roasts for lunches tomorrow, a Thai red curry, a pie filling , about 6 portions of turkey and mushroom in creamy garlic sauce, ds's sandwiches for tomorrow and there was still two family roast dinner size packs of slices for the freezer
    Being a bit dense I didn't realise they had bones until I carved it I shoved them in the sc with a carrot, and onion and some bay leaves and got enough stock for two lots of gravy and when I fished out the bones and picked off the meat and popped it back in with the veggies and the remaining stock and a bit of milk and blitzed it with a stick blender I got 4 portions of soup. 6 well spent. Glad I've another two in the freezer . This week will be much more manageable now lunches and dinners are ready just to heat up.

    Other successes included;

    Laundry folded and put away

    Kitchen units wiped and floor swept

    Cake from the freezer filled with lemon curd and iced.

    Nsd

    Fails included ;

    Not enough water drank
    No gardening
    The sunshine highlighted my filthy windows which are still filthy as is the car

    My other mse success was one I've been deliberating for a while and today I took the plunge and cut my own hair The is about doing it not,I'm glad to say, the results

    I have mid length hair which is in long layers as its very thick. I watched and followed a YouTube video on cutting long layers and just took off the very ends and then thinned the top layers a little with thinning scissors. It was a bit scary to be honest but it looks and feels as it does when the hairdresser's done it so I'm quite chuffed.
    The scissors were off eBay and cost a whole 57p at auction. And the thinning scissors were 99p. They were shipped from China so took a while to arrive and then they sat in a drawer for about 6 weeks as I was too scared to use them My usual 8 - 10 week cut was 10 but recently went up to 15 so I'm jolly pleased I've plucked up the courage and had a go. Its probably not salon standard and I might need a good cut once in a while but until I've kicked this mortgage into touch its good enough

    Off to enjoy an episode of Vera before bed and hopefully a good nights sleep before the madness begins again

    PP xx
    Last edited by pinkypig; 04-02-2018 at 9:34 PM.
    • pinkypig
    • By pinkypig 5th Feb 18, 7:24 PM
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    pinkypig
    Monday done

    Work was a bit of an uphill struggle today, fussy kids and some very undignified adult behaviour Glad i don't need to deal with that nonsense! I've done my day to day marking but assessments are backing up a bit so I'll need to get caught up at half term.

    I'm on dad duty tonight. He's happily watching TV so I'm hoping to get a few hours work done before bedtime. I slept really badly last night and was wide awake for several hours during the night and was utterly jiggered when the alarm went off. I've been a bit zombie like this afternoon so I'm hoping for a better night tonight. As if middle age wasn't bad enough without messing with your sleep patterns. My sister is 10 years older than me and is still suffering from insomnia that started Premenopause. Somnething to look forward to ...

    The rest of the day has gone quite well, I've had an offer on the rental but at 50 less rent than advertised. I've offered to meet them half way with a reduction of 25 so we'll see.
    Dd is out for dinner with a friend and ds has done a past maths paper and is off to a sports club later. Both are on good form although dd is worried about driving in the snow tomorrow and tbh so am I as I've got a 60 mile round trip on very hilly country roads - not nice.

    I'm really looking forward to half term as I've got lots off lovely (but thrifty!) things planned so I'm determined to try and get as much school work done this week as I can.

    Today's mfw successes have been;

    Nsd

    Daily sweep and wipe done

    Diy hair easy to manage

    Operation 'use half of everything' going well

    94p TT done

    Cheap healthy eats (overnight oats for breakfast, lo roast dinner for lunch, spicy lentil soup and egg Mayo ciabatta sarnies for dinner).

    Duck from the stock carcasses marinating in hm satay sauce ready for dinner tomorrow.

    I'm off to do a couple of hours assessment marking - living the dream
    Happy Monday folks

    PP xx
    • Karmacat
    • By Karmacat 5th Feb 18, 7:55 PM
    • 29,312 Posts
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    Karmacat
    Okay, while you're doing the living-it-large marking, think about home made duck stock And as a veggie, the lentil soup and ciabatta has me kind of salivating
    Retired August 2016
    • pinkypig
    • By pinkypig 6th Feb 18, 6:44 PM
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    pinkypig
    That's a jolly job for a veggie Karma !!
    They were good and all the better for being made with 10p ys ciabatta rolls

    Hope you've kept safe, warm and out of the snow xx
    • pinkypig
    • By pinkypig 6th Feb 18, 7:16 PM
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    pinkypig
    I've had a much easier day at work so I'm hoping yesterday was either Monday miseries or Endoftermitis. Perhaps it was a bit of both. The kids were more focussed and the adults less 'highly charged'! That was obviously once I got there - snow doubled my journey time but me and the car are in one piece so hurrah for that.

    I'm on my final dad duty of the week and when I arrived he was watching the same recorded episode of his favourite drama that was on when i got home from work yesterday. Given that another automatically starts as one finishes it feels like Groundhog Day
    He's happy though - so good to see him chilled and relaxed, very different to a year ago. Dementia is a terrible thing

    I knew today would be a busy one as ds has a revision class and dd was working late and i had to get to dad's so I put rice in the rice cooker with hm duck stock last night and added it to a fried onion, frozen peas and chopped peppers and the marinated duck this morning before i left for work so it was just to heat up when the kid's wanted to eat tonight. I brought some for me and dad and there's enough for lunch tomorrow.

    In money news I've had a nsd and think I've found new tenants. Apparently they agreed to the 'meet half way' rent offer and are filling in the application. Fingers crossed the deposit arrives soon and their references are OK.

    Fear I may be getting selfish and a bit obsessed as when I saw news of the ongoing global crash all I could think about was the plummeting value of my pension funds

    Other successes included;

    Marking up to date and some assessments marked

    Cheap healthy eats (porridge for breakfast, lo lentil soup and us roll for lunch, duck satay with Chinese style rice for dinner using meat off the stock bones)

    Daily sweep and wipe done

    I'm off to mark more assessments so I don't have them hanging over me at half term.

    Nearly hump day - onwards and upwards

    PPxx
    • gallygirl
    • By gallygirl 6th Feb 18, 8:43 PM
    • 16,606 Posts
    • 109,660 Thanks
    gallygirl
    Fear I may be getting selfish and a bit obsessed as when I saw news of the ongoing global crash all I could think about was the plummeting value of my pension funds
    Originally posted by pinkypig
    Take a ticket and join the queue .
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    Mortgage Balance = 0
    "Do what others won't early in life so you can do what others can't later in life"
    • pinkypig
    • By pinkypig 7th Feb 18, 8:25 PM
    • 1,263 Posts
    • 10,231 Thanks
    pinkypig
    Take a ticket and join the queue .
    Originally posted by gallygirl
    Not just me then
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