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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 33
    • pinkypig
    • By pinkypig 6th Mar 18, 8:53 PM
    • 1,209 Posts
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    pinkypig
    Feeling a bit livelier than yesterday, but that's not difficult

    Today has been a good day. My class are definitely settling down and although they'll never be the easiest they are certainly a lot easier than they were. I marked up to date before I left - 124 pieces of work today Nice feeling when its done

    In money news I've had my fourth consecutive nsd. I've avoided top up shops and I've had no personal spends yet. The weekend's plans are walking, running and some at home socialising so there should be no spends there as the food is made and in the freezer (thanks to my snow days ) and I'm still drinking gifted wine left over from Christmas. Mother's day here is focussed on small gifts and large amounts of care and consideration. I've got my mum a small gift but I've also made her a selection of jam, marmalade, chutney and cake which her and dad like but mum isn't up to doing these days. Much nicer than overpriced flowers and commercialized tut I think and luckily so does my mum
    I've also transfered my cleared eBay money to my os account plus a small TT. Its going to be case of every little helps this month so I'll keep plugging away at the declutterting and selling. This week's eBay bids are now at 40

    Other mfw (ish) successes included ;

    Drank loads of water, well over 2 litres. I'm usually rubbish at this but I really trying to be better.

    Cheap but healthy eats (porridge for breakfast, lo tagine and cous cous for lunch and pulled pork, salad and hm flat bread wraps for dinner). The pork was lo from Sunday and the flatbreads were yummy. Usually out of the question on a school night but now my bread maker is behaving the dough was ready when I got home from work. There was enough lo for dc to have for lunch tomorrow plus four flat breads for the freezer

    Sweep and swipe done and shined my sink.

    In bed so a bit of reading with lights out by 10. Everything is ready for the morning so all I need to do is sort myself out, get ds's breakfast and lift lunches out of the fridge which means I get to stay in bed 15 minutes longer

    Happy Tuesday to you

    PP SF
    • pinkypig
    • By pinkypig 7th Mar 18, 8:24 PM
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    pinkypig
    Happy Hump Day, the weekend's officially in sight

    Had a good day at work, busy but productive and no major blips. Did a (very cold) after school club and finished my marking so I was late home but at least I had nothing to do once I got there!

    In money news I still have 94 pending on tcb It's taking a mighty long time to pay out, beginning to wonder if it ever will.
    All but one of my eBay auctions have finished, 89 for the os pot if they all pay up . This included the cs dress i bought for 2 specifically to sell which sold for 9.99 . I'm definitely going to look out for more next time I'm having a rummage.

    I've also had my 5th consecutive nsd

    I've missed my class tonight (no instructor) but at least I've not had to rush around and got to have dinner with the kids

    Other mfw successes included;

    Dd hoovered and mopped upstairs and down

    EBay packages done and labeled to post tomorrow

    PC jambalaya for dinner (10 mins to cook ), lo for lunch and predictably porridge for breakfast

    Laundry done and on the airer

    Lo packed up for lunch plus 6 portions for the freezer.

    Lo sliced turkey, Yorkshire puddings, roast veg and roast potatoes defrosting for a quick assembly roast dinner tomorrow.

    Bathroom cleaned.

    I'm going to get to bed nice and early with my book, bliss

    Happy Wednesday to you

    PP xx
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 7th Mar 18, 10:49 PM
    • 1,324 Posts
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    wishingthemortgaheaway
    That's an incredibly productive day PP. I can't believe how quick the weeks go, even faster for me when today isn't just hump day but my 'friday eve' as weeks s last 4 days here with Pickle not a the Childminder Fridays or Mondays.
    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
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2024 Jan 2024
    MFW 2018 Challenge Member #162 1600ish/2,500
    • museumworker
    • By museumworker 8th Mar 18, 10:03 AM
    • 2,075 Posts
    • 11,972 Thanks
    museumworker
    Well done on the eBay sales, and the HM Mother's Day gifts sound really thoughtful. Fingers crossed TCB pay up soon!
    Mortgage 16/03/2011: 190K 01/01/2017: 107,729.65 01/07/2017: 95,979.89
    OPs 2011-2016 = 45K 2017 OPs = 9250.20
    • pinkypig
    • By pinkypig 8th Mar 18, 8:57 PM
    • 1,209 Posts
    • 9,934 Thanks
    pinkypig
    That's an incredibly productive day PP. I can't believe how quick the weeks go, even faster for me when today isn't just hump day but my 'friday eve' as weeks s last 4 days here with Pickle not a the Childminder Fridays or Mondays.
    Originally posted by wishingthemortgaheaway
    Time certainly flies when your life is divided into half termly chunks. Hope you enjoyed your 'Friday ' night!

    Well done on the eBay sales, and the HM Mother's Day gifts sound really thoughtful. Fingers crossed TCB pay up soon!
    Originally posted by museumworker
    Hi MW eBay is a bit of a faff but needs must at the moment. Its the packaging I don't like, it takes ages!
    Hope you and yoiurs are well, it sounds like you've been crazy busy
    • pinkypig
    • By pinkypig 8th Mar 18, 9:40 PM
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    pinkypig
    I've had a bit of a day and I'm jiggered My car is fixed but feel a bit about having driven it as it turns out it wasn't very safe to drive after all it was 350 which blows this month's chance of mop but at least the money is saved and the car is safe again and has two spanking new tyres too . It was also repaired quickly and I'm so grateful to have found such and honest and helpful meoutchanic as I know nothing about cars . He's fab

    In other news all eBay items have been paid for except one (the most expensive one obviously) and posted. I've got one non payer from last week so I suppose I'd best cancel the order and re-list the item.
    Whilst waiting to collect the car I had a Cs rummage at my favourite warehouse and found some clothes that I'm hoping will sell well. As they only charge 2 and item there is scope for a bit of profit. Today I found two pure silk Monsoon tops, a Laura Ashley summer skirt,a Jigsaw jumper, an evening cardie/shrug thing from Debenhams, a pure silk Ted Baker evening top, a M&S boys suit and a Rocha John Rocha wraparound smock top The only trouble is most were in my size and I love them . So,three items for sale and the rest for me. I also got 3 new box sets and two Davina wortkout dvds (for nasty, cold days) a large jug for custard and a rather excellent book. Greying Pilgrim is a fab vegetarian cook and foodie and she's mentioned recipies by Rose Elliot on her thread over on DFW and today i found Rose's Vegetarian Cookery book for 50p. I've not read it properly but it looks ace, loads of info and tons of new recipes. Really looking forward to reading at the weekend. So, 14 of personal spends gone but really please with what I got and 6 spent on my little side hustle.
    I did the food shop on my way home and remembered my list this week! 21.01 which included a stock up of lentils as HB haven't had any for ages and chickpeas as Aldi haven't had any for a fortnight and we eat loads! Pleased with this as its under my new squeaky budget and I need to be now I've had my car bill

    Other mfw successes included;

    Spent 40p on bananas in M&S using my new cc to get my extra 5 voucher. I get 30 for taking it out plus another 20 if I spend 100 on it in March. I'm going to use it for food and fuel this month to get my vouchers then it'll be paid off in full and I'll go back to my CBC.

    Porridge for breakfast, lo jambalaya for lunch and lo odds and ends from the freezer that made up a roast dinner.

    Spin class done and ran to collect my car from the garage - probably why I'm knackered

    Daily wipe and swipe done, sink shined, bins emptied.

    Whites wash done and horrible school shirts ironed

    Off for a much needed early night!

    Nearly the weekend folks

    PP xx
    • gallygirl
    • By gallygirl 8th Mar 18, 9:47 PM
    • 16,589 Posts
    • 109,549 Thanks
    gallygirl
    Clothes sound ace, no reason you shouldn't keep them all for yourself (bar the suit ) at those bargainous prices .
    . Greying Pilgrim is a fab vegetarian cook and foodie and she's mentioned recipies by Rose Elliot on her thread over on DFW and today i found Rose's Vegetarian Cookery book for 50p. I've not read it properly but it looks ace, loads of info and tons of new recipes. Really looking forward to reading at the weekend.
    Originally posted by pinkypig
    Use your chick peas to make the chick pea tagine with fruity couscous . The sweet potato & coconut dahl is lovely as well, and the omelette canneloni (though to be fair that's a pretty common recipe).


    Am hungry now .
    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 10th Mar 18, 5:33 PM
    • 1,209 Posts
    • 9,934 Thanks
    pinkypig
    Clothes sound ace, no reason you shouldn't keep them all for yourself (bar the suit ) at those bargainous prices .
    Use your chick peas to make the chick pea tagine with fruity couscous . The sweet potato & coconut dahl is lovely as well, and the omelette canneloni (though to be fair that's a pretty common recipe).


    Am hungry now .
    Originally posted by gallygirl
    Thanks Gally, much appreciated

    The suit was lovely, just a bit short in the leg
    • pinkypig
    • By pinkypig 10th Mar 18, 5:40 PM
    • 1,209 Posts
    • 9,934 Thanks
    pinkypig
    Lovely,chilled start to the weekend. Friday night was easy freezer tagine and a bit of wine (hence no post) followed by a bit of a lie in with coffee and a book.
    Had an 'invigorating' rainy run followed by a day of pottering, reading and a little snooze
    Tonight's plans are a thrifty stay at home dinner, another bottle of wine followed by curling up on the sofa with a box set. Perfect

    No money news other than a nsd

    Hope your having a good one

    PP xx
    • Karmacat
    • By Karmacat 11th Mar 18, 11:16 AM
    • 29,201 Posts
    • 166,753 Thanks
    Karmacat
    Perfect indeed, except we need to know what colour the wine was
    Retired August 2016
    • pinkypig
    • By pinkypig 11th Mar 18, 7:57 PM
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    pinkypig
    Perfect indeed, except we need to know what colour the wine was
    Originally posted by Karmacat
    Always red Karma . Hope you've had a good weekend too xx
    • pinkypig
    • By pinkypig 11th Mar 18, 8:24 PM
    • 1,209 Posts
    • 9,934 Thanks
    pinkypig
    I've had a ns weekend and do you know what? Its been b****y lovely. No pressure, no hassle, no stress, no guilt, no crowds. Love my new (ish) simple life

    The kids were with their dad so it was easier to indulge in a bit of self indulgence. Friday night on these weekends is traditionally an easy batch cooked dinner, bottle of wine, a good chat and feet up in front of the TV. Its such a great end to a busy working week and sets us up for the weekend.
    Saturday (apart from a run) was a bit lazy but the weather was grim so staying cosy indoors and having a snoozy afternoon was rather nice. Lunch was hm soup and ys artisan bread and dinner was toad in the hole (using hm veggie sausages), onion gravy and roast veg which was perfect for the weather and really yummy

    I woke early as I often do at the weekend but at least it meant a leisurely hour or so reading in bed whilst still getting out for a run reasonably early. It was a gorgeous morning, sunny and cold so perfect for running. We had a great trail run through the woods and encountered piles of snow, fallen trees, tracks that had become gorse obstacle courses as loads of bushes had collapsed under the weight of the snow and more mud than I've ever seen. It was brilliant. Got tired legs now though!

    Lunch was lo and then I had a lovely afternoon with the kids and they had bought such thoughtful gifts . We all went to see mum who was on good form too so all in all a superduper day

    In terms of chores I've achieved nowt However, successes have included;

    Posted remaining eBay items
    Transferred all eBay money to Os pot
    Ns weekend
    All meals from freezer and all lo used up
    Bed changed
    Laundry done
    At least 2_litres of water drunk each day. Massive achievement for me as I struggle with this
    Listed 12 items on eBay

    Off for an early night as this week is pretty hectic so I don't want to start out tired.

    Happy Sunday to you

    PP xx
    Last edited by pinkypig; 12-03-2018 at 5:57 PM.
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 11th Mar 18, 10:11 PM
    • 1,324 Posts
    • 6,174 Thanks
    wishingthemortgaheaway
    Wow PP what a busy, yet lovely weekend.

    I hope this week is less hectic than you fear.

    Wish.
    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
    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 12th Mar 18, 9:25 PM
    • 1,209 Posts
    • 9,934 Thanks
    pinkypig
    Wow PP what a busy, yet lovely weekend.

    I hope this week is less hectic than you fear.

    Wish.
    Originally posted by wishingthemortgaheaway
    Thanks Wish. Monday's done xx
    • pinkypig
    • By pinkypig 12th Mar 18, 9:45 PM
    • 1,209 Posts
    • 9,934 Thanks
    pinkypig
    Not a bad start to the week. I slept well which always helps ( very grateful to Greying Pilgrim for putting me on to sleepy tea ) and had a busy but productive day. Class were pretty good (for a Monday - they are often a bit wild after a weekend) and I got all my marking done and got tomorrow's stuff ready before I left. I can't always be a***d but I should try as its so much easier when I do.

    In money news one of my eBay non payers paid so 21 to the os pot. I've just paid my first lot of eBay and PayPal fees which make a dent in what you make but I'm still about 109 up and Ive had a good clear out and declutter too so worth doing for the moment.

    I called at Asda as I'd run out of milk and I wanted my Mikado free gift from Shopmium (which I couldn't find) and I got a few good ys bargains for the freezer. A sea bass, two tuna steaks, 2 mixed bags of artisan rolls and one of pastries, a white cabbage and 5 tubs of posh veggies you steam in the microwave for 1.60 The veggies were lovely but I'm not kidding they were about 5 mouthfuls - RRP 2.50 OK for 10p though.

    Other mfw successes included;

    Cheap, healthy eats (porridge for breakfast, lo for lunch and batch cooked veggie chilli from the freezer for dinner).

    Weights class done

    Daily sweep and swipe done and sink shined

    Used gym showers

    and that's about it! Off to bed with my sleepy tea and a book

    Happy Monday to you

    PP xx
    • pinkypig
    • By pinkypig 13th Mar 18, 9:12 PM
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    pinkypig
    Goodness today has flown, probably because its been so busy with one or two minor exceptions everything got done thank goodness and until tomorrow at least , work is up to date - phew!

    I really want to catch up on the diaries but it won't be tonight as I'm pooped. I'm determined to keep posting daily - sorry I'm sure what I had for my lunch and that my marking is up to date is as dull as but it keeps me focused, not only on my finances but on my lifestyle and well being goals so it needs to continue!!

    I have no money news other than a 98p TT, a nsd and a bid on one of my eBay items. Wider mfw successes have included;

    Laundry done and on the airer

    Spin class done and used gym shower

    Thrifty eats (porridge for breakfast, lo for lunch and batch cooked sweet and sour from the freezer with egg fried rice). Lo are portioned up for lunch tomorrow.

    Made overnight oats

    Helped Ds with some coursework

    Filled in nasty form I've been putting off and emailed it

    Marking done

    Recycling sorted out

    Pile of clutter in kitchen put away in the right places

    Shined my sink

    Off to watch 1/2 hour of TV while drinking my sleepy tea then bed. Living the dream

    Happy Tuesday to you

    PP xx
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 13th Mar 18, 10:13 PM
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    wishingthemortgaheaway
    I love to hear that your marking is up to date, makes me still believe it's possible in this day and age. (Mondays were always the worst for me, homework due in day - 2 pieces per child (32 children in class)
    Numeracy, literacy & phonics. As hard as I tried to get some 'marking free lessons' it never seemed to work.
    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
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2024 Jan 2024
    MFW 2018 Challenge Member #162 1600ish/2,500
    • Karmacat
    • By Karmacat 14th Mar 18, 11:05 AM
    • 29,201 Posts
    • 166,753 Thanks
    Karmacat
    It's nice to read! On days when I'm doing lots of mse stuff, I usually post *several* times a day
    Retired August 2016
    • pinkypig
    • By pinkypig 14th Mar 18, 8:26 PM
    • 1,209 Posts
    • 9,934 Thanks
    pinkypig
    Thank you lovely peeps,this little bolt hole keeps me sane.

    Glad today's over. Don't have to say that often thank goodness so I've drawn a line under it. Onwards and upwards

    I've had another nsd. I'm finding that I'm hitting a bit of as rhythm which I hope lasts. I food shop one a week, fill up with fuel and do a top up of milk and ys stuff once a week and that's generally it. Socialising has pretty much switched to home which I really like and I appreciate the odd lunch/night out all the more as a result. The urge to save is far greater than the urge to spend - I love watching my os pot grow

    Other mfw success have been;

    Nice little chat with Ds

    Weights class done despite still suffering from Monday's

    Plenty of water drunk

    Cheap, healthy eats (overnight oats for breakfast, lo for lunch and hm veggie sausages, posh ys veggies and mustard mash with onion gravy for dinner).

    Marking up to date

    Emailed Amazon about ds's dodgy laptop and they've offered me a full refund

    Work admin done but personal shoved in a drawer

    Shopping list done

    Off for a quiet read to calm my battered head!

    Happy hump day

    PP x
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 14th Mar 18, 8:28 PM
    • 1,324 Posts
    • 6,174 Thanks
    wishingthemortgaheaway
    Happy hump day PP.
    Keep smiling. Nearly Easter hols.
    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
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2024 Jan 2024
    MFW 2018 Challenge Member #162 1600ish/2,500
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