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  • FIRST POST
    • pinkypig
    • By pinkypig 22nd Jul 17, 6:12 PM
    • 1,382Posts
    • 10,871Thanks
    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 41
    • rtandon27
    • By rtandon27 29th Apr 18, 8:18 AM
    • 2,272 Posts
    • 14,487 Thanks
    rtandon27
    I too wondered at the dusting noodle...

    G00gled it & up came a raft of cheery colours so I do understand how PP thought of you!

    PP - I hate dusting but now covet one of those noodles!
    1 YEAR & 10 MONTHS DEBT FREE!!! (24 OCT 2016)
    (With heartfelt thanks to those who have gone before us & their indubitable generosity.)
    STILL - Juggling the pots to keep in the black! - NOT an easy task!
    • pinkypig
    • By pinkypig 29th Apr 18, 9:52 PM
    • 1,382 Posts
    • 10,871 Thanks
    pinkypig
    I too wondered at the dusting noodle...

    G00gled it & up came a raft of cheery colours so I do understand how PP thought of you!

    PP - I hate dusting but now covet one of those noodles!
    Originally posted by rtandon27
    Get down to £land and treat yourself RT
    MFW 2018 #157 Target £15,000

    £14,689.68/£15,000
    • pinkypig
    • By pinkypig 29th Apr 18, 10:04 PM
    • 1,382 Posts
    • 10,871 Thanks
    pinkypig
    It's so cold we've had the odd sunny spell but it's really chilly. I had to put the heating back on for a couple of hours. Hope it starts to warm up a bit soon.

    I've managed to get a few things done today but I spent a chunk of the day watching ds play cricket which was nice, if b****y freezing!
    I got a few things knocked of my list

    Did 30 mins weights

    Made sc veg and lentil casserole which is portioned up and in the freezer

    Made roast dinner

    Made flat breads and naan bread for the freezer

    Cleaned and hoovered the inside of the car but didn't get it washed

    Packed away winter clothes and weeded out some things for eBay

    Unpacked summer clothes and weeded out some things for ebay. Loads of ironing to do now

    Relisted unsold eBay items but no new items done

    Had a nsd

    Can't believe the weekend is over At least next weekend is a long one

    Happy Sunday

    PP xx
    MFW 2018 #157 Target £15,000

    £14,689.68/£15,000
    • pinkypig
    • By pinkypig 29th Apr 18, 10:12 PM
    • 1,382 Posts
    • 10,871 Thanks
    pinkypig
    Morning Pinky

    I am in awe of your MSE ways, having just tracked my spends for a month a spent 3 times what you spent on clothing and other personal spends, I definitely need to take a leaf out of your book. The amount of stuff you got for £87 is incredible
    Originally posted by Busy Mee1
    Sorry Busy - I'd missed this . Thank you, I feel less guilty now eBay is great if you want something specific and can bide your time and I do have an excellent charity warehouse nearby which does clothing at £2 an item and occasionally you hit on a few gems.

    I must be disciplined now though as I need nothing and having packed and unpacked winter/summer stuff I really do have too many clothes despite whittling it down and as for shoes

    Hope you've had a lovely weekend xx
    MFW 2018 #157 Target £15,000

    £14,689.68/£15,000
    • pinkypig
    • By pinkypig 30th Apr 18, 9:01 PM
    • 1,382 Posts
    • 10,871 Thanks
    pinkypig
    Evening

    Deary me, Mondays aren't easy! Just the usual stuff with a few bits of extra drama but it proper zapped my energy So glad I'll only be juggling this stuff until I'm 55 and not 67 Feeling this drained so early In the week (and the term) makes me so glad I have a masterplan. Freedom to choose can't come soon enough, in fact I've decided to up my pension contributions by at least £50 a month once I've had advice about where to put it from the ifa. Every bit helps

    In money news I've had a nsd and am very excited about doing my totals tomorrow

    Other mfw /well being successes included;

    Drank enough water

    Went for a run through the woods in the sunshine

    Went for a walk and a chat with my favourite work buddy at lunchtime

    Porridge for breakfast, lo for lunch and easy plated up roast dinner from yesterday for dinner

    Happy kids

    Off to bed very soon, I'm such a lightweight

    Happy Monday

    PP xx
    MFW 2018 #157 Target £15,000

    £14,689.68/£15,000
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 4th May 18, 10:11 PM
    • 1,656 Posts
    • 8,324 Thanks
    wishingthemortgaheaway
    Are you ok Pinky?
    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
    • rtandon27
    • By rtandon27 5th May 18, 1:09 PM
    • 2,272 Posts
    • 14,487 Thanks
    rtandon27
    Aye - almost a week without a post - hope all is well xxx
    1 YEAR & 10 MONTHS DEBT FREE!!! (24 OCT 2016)
    (With heartfelt thanks to those who have gone before us & their indubitable generosity.)
    STILL - Juggling the pots to keep in the black! - NOT an easy task!
    • pinkypig
    • By pinkypig 5th May 18, 7:17 PM
    • 1,382 Posts
    • 10,871 Thanks
    pinkypig
    Thank you both, so incredibly kind of you to notice my absence and take the time to post. Another example of how lovely and supportive our little mfw community is

    I've had a tricky week and it's zapped my energy. It shouldn't be creeping into my new life and I've got to be much tougher if I'm not going to let it. With the support and guidance of the best type of friends I'm going to see it for what it is, a grim slice of the past that will not be part of my future. I love my new life and those who seek to drain my energy and sense of joy have no place in it! Onwards and upwards

    In good news I've not been distracted or derailed to financially. I held off doing my food shop for a whole week so I'm now well under budget. Even holding off all that time this week's shop was £26.04 and the cupboards and the freezer stocks are being used up so it's win/win really

    As May is a 5 week month my targets will be ;

    Grocery £160
    Fuel £150
    Personal £58

    I've done my April totals but need to give them a final check for accuracy but they are looking good

    The weekend has been lovely so far. Hm curry, a couple of glasses of wine and an evening of good, relaxed conversation and a few laughs last night and a long walk in the sunshine today. Tomorrow will be a bike ride and a picnic and Monday a mountain walk. Perfect. Today was a nsd and I'm hoping for a ns weekend.

    Feeling stronger, more positive and very grateful for the important people in my life and the perspective and support they bring when it's needed most.

    Happy, sunny Saturday to you
    MFW 2018 #157 Target £15,000

    £14,689.68/£15,000
    • Downshifterella
    • By Downshifterella 6th May 18, 10:15 AM
    • 137 Posts
    • 891 Thanks
    Downshifterella
    Happy sunny weekend pinky.
    It's hard when past stuff threatens to trip up present/future life but sounds like you dealt with it magnificently well done!! great to have good friends in times like that too.

    Great news on financial plans and upping pension makes it satisfying when the craziness of the working week threatens us that we know we have a backup plan!

    Enjoy your sunny Sunday
    Ella X
    MF planning for the simple life
    • Karmacat
    • By Karmacat 6th May 18, 12:41 PM
    • 29,740 Posts
    • 171,478 Thanks
    Karmacat
    Hi PP sorry to hear the past intervened in your life - but very glad you managed to cap it off, so to speak, and push it back a bit. And this is currently such a glorious bank holiday (I hope its not too hot for the walking that you do) - enjoy the rest of it
    Retired August 2016
    • pinkypig
    • By pinkypig 6th May 18, 7:18 PM
    • 1,382 Posts
    • 10,871 Thanks
    pinkypig
    Hi Ella and Karma and thank you. Yesterday's post sounded so whingey. Determined not to spend another moment dwelling on the bitterness of others, especially when they've brought on themselves
    You're so right that it's a lovely weekend to focus on the good stuff, of which there is plenty . I got out for a run this morning and it was cool enough through the woods for it to be enjoyable. After my shower I touched up my greys with 1/2 a £land hair colour and for 50p and half an hour I look and feel like a new(ish) woman

    We also had a lovely, long bike ride this afternoon (with a hm coffee and cake stop) which was just what I needed - fresh air, exercise, good company and beautiful countryside . It was also another nsd

    I'm having a bubble bath ease my very stiff a**e while an easy batch cooked dinner heats up which will be followed by a glass of wine and some tv time. Everything for tomorrow's picnic is defrosting as we'll need an early start for tomorrow's big walk which will knock another peak off my bucket list

    Happy sunny Sunday - isn't this weather just great?

    PP xx
    MFW 2018 #157 Target £15,000

    £14,689.68/£15,000
    • pinkypig
    • By pinkypig 7th May 18, 7:37 AM
    • 1,382 Posts
    • 10,871 Thanks
    pinkypig
    Morning Clear blue skies and glorious sunshine again . It warm already so it's clearly going to be scorching later
    I was awake at 6 so I got up and made our picnic so once I've had a leisurely coffee and a read it'll be breakfast and our adventure in the hills. I love walking in the hills and getting up to a height where it's cool will be ideal on a day like to day. Particularly looking forward to today as it's one that's meant to be particularly picturesque and I've had it on my to do list for a while.

    In money news I've had £42 of eBay sales this week and I'm hoping for a nsd but might need to fill the car up.

    My (late) April totals are ;

    Os payment £904/£430
    AVC £880/£880
    OS benefit £76.35
    Mortgage neutral balance £87,288.09
    Capital Reduction £2,595.04

    This did include a one off payment of £705 from the remnants of a monthly saver that I hung on to get the bonus but it has given me my best month ever

    Happy sunny Bank Holiday

    PP xx
    MFW 2018 #157 Target £15,000

    £14,689.68/£15,000
    • Karmacat
    • By Karmacat 7th May 18, 9:49 AM
    • 29,740 Posts
    • 171,478 Thanks
    Karmacat
    Hi Ella and Karma and thank you. Yesterday's post sounded so whingey. Determined not to spend another moment dwelling on the bitterness of others, especially when they've brought on themselves
    Originally posted by pinkypig
    Actually, it sounded like you were trying very hard *not* to whinge. But however you want to deal with the craziness around you is fine

    I touched up my greys with 1/2 a £land hair colour and for 50p and half an hour I look and feel like a new(ish) woman
    Woo hoo

    Everything for tomorrow's picnic is defrosting as we'll need an early start for tomorrow's big walk which will knock another peak off my bucket list

    Happy sunny Sunday - isn't this weather just great?

    PP xx
    You sound like you're having a ball are you actually doing things you've put on your bucket list?

    In money news I've had £42 of eBay sales this week and I'm hoping for a nsd but might need to fill the car up.

    Capital Reduction £2,595.04

    This did include a one off payment of £705 from the remnants of a monthly saver that I hung on to get the bonus but it has given me my best month ever

    Happy sunny Bank Holiday

    PP xx
    Originally posted by pinkypig
    Lots more jumpy smilies need to be inserted here, good heavens! Brilliant. You're going to have a wonderful retirement when you get there.
    Retired August 2016
    • museumworker
    • By museumworker 7th May 18, 12:41 PM
    • 2,095 Posts
    • 12,452 Thanks
    museumworker
    Sorry to hear you had a tough start to the week, but your weekend sounds wonderful. Congrats on the amazing mortgage ops, nearly £3k in a month is very impressive.
    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
    • shangaijimmy
    • By shangaijimmy 7th May 18, 3:18 PM
    • 2,782 Posts
    • 13,889 Thanks
    shangaijimmy
    Great progress and great sounding adventures...action packed days!
    MFW: Turning June 2036 into March 2025... 41//120 Payments Challenge, Diary Reduction £44,136.86
    Aug 2009: £163,051 // Current: £91,863.15 // Avg Daily Interest £4.13
    MFiT-T4 #8 - 80.74% of £41,000
    • pinkypig
    • By pinkypig 7th May 18, 9:23 PM
    • 1,382 Posts
    • 10,871 Thanks
    pinkypig
    Actually, it sounded like you were trying very hard *not* to whinge. But however you want to deal with the craziness around you is fine


    Woo hoo


    You sound like you're having a ball are you actually doing things you've put on your bucket list?


    Lots more jumpy smilies need to be inserted here, good heavens! Brilliant. You're going to have a wonderful retirement when you get there.
    Originally posted by Karmacat
    Thank you lovely Karma, you are always so kind.

    Sorry to hear you had a tough start to the week, but your weekend sounds wonderful. Congrats on the amazing mortgage ops, nearly £3k in a month is very impressive.
    Originally posted by museumworker
    Hi MW Thank you . It's actually not all op as it includes the capital repayment part of my mortgage payment but I'm still delighted . I like looking at it in terms of capital reduction as it really feels like you're getting somewhere. Hope you and yours are good. All your bargain furniture sounds fabulous

    Great progress and great sounding adventures...action packed days!
    Originally posted by shangaijimmy

    Thanks Jimmy, every £ is a step closer
    I've had a great weekend but I'm pooped now
    MFW 2018 #157 Target £15,000

    £14,689.68/£15,000
    • pinkypig
    • By pinkypig 7th May 18, 9:30 PM
    • 1,382 Posts
    • 10,871 Thanks
    pinkypig
    Evening

    A quick one from me tonight as I'm absolutely tired as a tired thing

    Today has been great and the weather perfect. It was a very long and incredibly steep ascent but the views from the summit were amongst some of the most stunning I've seen. Fell in love with my little corner of the world all over again. It's been a long day but so worth it, the simple life is most definitely the one for me. Why did it take me so long to figure this out?
    Off for a bath and bed

    Happy Monday

    PP xx
    MFW 2018 #157 Target £15,000

    £14,689.68/£15,000
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 7th May 18, 9:43 PM
    • 1,656 Posts
    • 8,324 Thanks
    wishingthemortgaheaway
    So pleased you are loving life and got put on the hills this weekend. Do you think it's got something to do with our children being a bit older now so pu cancdo thinggs for you and not trying to keep them entertained and educated 24/7?
    The amount of things you have to think about with a small one in one is brain energy zapping, then you have to fit around nap times, meal times and the witching hour. There are some aspects of baby and toddler age I'm going to miss, and some I definitely won't.
    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 8th May 18, 9:41 PM
    • 1,382 Posts
    • 10,871 Thanks
    pinkypig
    So pleased you are loving life and got put on the hills this weekend. Do you think it's got something to do with our children being a bit older now so pu cancdo thinggs for you and not trying to keep them entertained and educated 24/7?
    The amount of things you have to think about with a small one in one is brain energy zapping, then you have to fit around nap times, meal times and the witching hour. There are some aspects of baby and toddler age I'm going to miss, and some I definitely won't.
    Originally posted by wishingthemortgaheaway
    You truly don't have a minute to yourself when they're little Wish. There seems to be no happy medium When they get older they've very little time for you and it's hard sometimes. I used to find it really tough when they stayed with their Dad but as times gone on I've found myself adapting and have refocused my free weekends to pursue some of my own hobbies and once you get used to it it's nice
    MFW 2018 #157 Target £15,000

    £14,689.68/£15,000
    • pinkypig
    • By pinkypig 8th May 18, 9:58 PM
    • 1,382 Posts
    • 10,871 Thanks
    pinkypig
    Evening

    I've spent all day thinking it's Monday. Work has been good and the kids are working hard and behaving well. My marking is up to date and tomorrow's prep is done

    In money news all but one of my eBay sales has paid so the are packaged ready to post tomorrow and the money plus a 94p tt has been transferred to the os pot. I haven't had a nsd as I had to fill the car up and needed milk so all necessary.

    I'm feeling much better in myself after my horrid week (a lovely weekend of fresh air and exercise helped enormously) and I'm determined to keep that particular situation at arms length where possible. This plus plenty of exercise, sleep and good, healthy food is what works for me so this will be the focus of this month's well being goals

    Today's mfw and well being successes included;

    Went for a walk at lunchtime

    Did a spin class

    Drank 2 litres of water

    Lo for lunch and roasted Mediterranean veg pasta and salad for dinner

    Off to bed as I'm determined to be asleep by 10.30

    Happy Tuesday to you

    PP xx
    MFW 2018 #157 Target £15,000

    £14,689.68/£15,000
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