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  • FIRST POST
    • pinkypig
    • By pinkypig 22nd Jul 17, 6:12 PM
    • 1,393Posts
    • 10,897Thanks
    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 42
    • CathT
    • By CathT 9th May 18, 6:48 AM
    • 5,714 Posts
    • 39,917 Thanks
    CathT
    And it is hump day already, I love bank holiday weeks! Your weekend sounded wonderful. I am lucky to live in a part of the world with fabulous walks just a short drive away, it is definitely something I want to spend more time doing.
    Sept 2018 -
    part 1 - 75,557
    part 2 - 44,913
    Total - 120,470
    • pinkypig
    • By pinkypig 9th May 18, 10:24 PM
    • 1,393 Posts
    • 10,897 Thanks
    pinkypig
    And it is hump day already, I love bank holiday weeks! Your weekend sounded wonderful. I am lucky to live in a part of the world with fabulous walks just a short drive away, it is definitely something I want to spend more time doing.
    Originally posted by CathT
    Hiya Cath

    I do like hump day.

    It's great when you've got lovely places on the doorstep isn't it? I bet your little ones love it
    MFW 2018 #157 Target 15,000

    14,689.68/15,000
    • pinkypig
    • By pinkypig 9th May 18, 10:39 PM
    • 1,393 Posts
    • 10,897 Thanks
    pinkypig
    Evening

    Goodness I'm late tonight, 5 minutes until my bedtime

    Today's been good but chilly. I hope this weekend wasn't the beginning and end of summer Work was uneventful and I got my marking done before I left
    In money news my final eBay item paid so 4.87 was transferred to the os pot. I didn't manage a nsd as I had a 3.76 grocery spend but got very lucky at ys time as there was lots of fruit (10p) and fish (20p and 30p) plus the salad dressing and juice I went in for.

    Other mfw/well being successes included;

    EBay parcels posted

    New eBay items photographed and three adverts drafted

    Winter clothes put in the attic

    Lo for lunch and batch cooked curry for dinner

    Load of laundry done and on airer

    Made low fat hummus and overnight oats

    Went for a run

    Expenses paid


    Happy Hump day

    PP xx
    Last edited by pinkypig; 10-05-2018 at 6:42 AM.
    MFW 2018 #157 Target 15,000

    14,689.68/15,000
    • Cheery Daff
    • By Cheery Daff 10th May 18, 7:02 AM
    • 8,289 Posts
    • 41,417 Thanks
    Cheery Daff
    Winter clothes in the attic?? That's optimistic!!
    Mortgage over payments since Feb 2018 = 558.25
    • pinkypig
    • By pinkypig 10th May 18, 8:15 PM
    • 1,393 Posts
    • 10,897 Thanks
    pinkypig
    Winter clothes in the attic?? That's optimistic!!
    Originally posted by Cheery Daff
    Ever the (deluded!) optimist Cheery - the story of my life
    MFW 2018 #157 Target 15,000

    14,689.68/15,000
    • pinkypig
    • By pinkypig 10th May 18, 9:18 PM
    • 1,393 Posts
    • 10,897 Thanks
    pinkypig
    Evening

    I'm failing miserably with my ' lights out by 10.30 ' goal. Tonight I will do better

    Today has been a good day, still a little chilly but lovely and bright
    I've not done a huge amount of school work as I'm relatively on top of things at the moment so I've focussed a bit more on home. Next week ds starts his gcses and I've got sats so I want everything sorted so we can both focus on what matters. Today I made a good start and I'll get the rest done at the weekend. So far I've ;

    Changed one bed and got the linen line dried

    Hoovered downstairs

    Emptied the bins and sorted out the recycling

    Done the ironing

    Done a batch of eBay adverts ready to go live at the weekend

    Done a load of laundry ready to put on the line before work

    made a batch of veggie tagine in the sc. Dinner next week needs to be heat up and eat so I'm going to do a batch of curry over the weekend and there's chilli, lasagne and sliced roast meat in the freezer. Not exactly summer food but it's quick and easy

    Provided moral support for ds while he did his online English test for the course he wants to start in September. He's going to do the maths one tomorrow.

    Did the food shop for 34.83 which is more than it has been but I've run the cupboards down and there was literally no fresh stuff left (we've been on tinned and dried fruit since Monday). The fruit bowl and the veg and salad drawers and full to bursting now. The dog also has food, we've got a lovely selection of herbal teas and everyone's toiletries have been topped up where needed.

    Paid a very large bill for rental maintenance

    Done a spin class.


    I've no money news beyond my big bill, not even a TT!

    I'm going to read for a bit in my lovely clean bed with air dried sheets and then lights out at 10.30 and tonight I mean it

    Happy nearly Friday

    PP xx
    MFW 2018 #157 Target 15,000

    14,689.68/15,000
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 10th May 18, 10:20 PM
    • 1,671 Posts
    • 8,426 Thanks
    wishingthemortgaheaway
    Good night PP, sleep well.

    Sounds like you are all set for one of the craziest weeks in the year next year. Hope it goes smoothly for you.

    Sleep welll.
    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 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
    • Karmacat
    • By Karmacat 11th May 18, 10:54 AM
    • 29,776 Posts
    • 171,733 Thanks
    Karmacat
    Good grief, that really is a crazy week ahead of you. Sounds like you're doing very well on the preparations for it - hope its all as smooth as it can be as a result
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • pinkypig
    • By pinkypig 11th May 18, 10:29 PM
    • 1,393 Posts
    • 10,897 Thanks
    pinkypig
    Good grief, that really is a crazy week ahead of you. Sounds like you're doing very well on the preparations for it - hope its all as smooth as it can be as a result
    Originally posted by Karmacat
    Thanks Karma . It's going to be busy !! Xx
    MFW 2018 #157 Target 15,000

    14,689.68/15,000
    • pinkypig
    • By pinkypig 11th May 18, 10:34 PM
    • 1,393 Posts
    • 10,897 Thanks
    pinkypig
    Hello

    A quick (and late) one as my bed is calling. I've been out Not regular event these days which tends to make it all the more enjoyable. Happy hour pasta, a glass of wine, a jug of water and three hours of catching up with a lovely friend 7.50 and worth every penny

    Work was uneventful, the kids are really chipper and it's Friday. Happy days

    PP xx
    MFW 2018 #157 Target 15,000

    14,689.68/15,000
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 12th May 18, 5:54 AM
    • 1,671 Posts
    • 8,426 Thanks
    wishingthemortgaheaway
    Sounds like a fab evening. Rest well.
    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 12th May 18, 7:16 AM
    • 1,393 Posts
    • 10,897 Thanks
    pinkypig
    The sun's out

    Today's to dos are hopefully;

    Coffee in bed and read until 8
    Go for a run
    Vist mum and dad
    Make lemon cake, pizza dough and tomato and basil sauce
    Tidy garden
    Lunch with the kids
    Catch up with my sister
    Plant out courgettes plants

    Happy Saturday

    PP
    MFW 2018 #157 Target 15,000

    14,689.68/15,000
    • pinkypig
    • By pinkypig 12th May 18, 7:17 AM
    • 1,393 Posts
    • 10,897 Thanks
    pinkypig
    Sounds like a fab evening. Rest well.
    Originally posted by wishingthemortgaheaway
    Thanks Wish, hope you and your family have a lovely weekend too xx
    MFW 2018 #157 Target 15,000

    14,689.68/15,000
    • pinkypig
    • By pinkypig 12th May 18, 8:24 PM
    • 1,393 Posts
    • 10,897 Thanks
    pinkypig
    Summer seems to be back

    Today has been really nice, some time with the kids and my folks, a decent amount of chores, some exercise and some relaxing. It's also been nsd

    Mfw/well being successes included,;

    A run and 20 mins weights

    Drank enough water

    Cheap, healthy eats (porridge, spicy butter bean soup, veggie Moroccan tagine and rice )

    Cut back and tidied the garden

    Planted out courgettes and cleaned up the utility room where they had been

    Changed and line dried ds's bed

    Made a lemon cake for us and mum and dad plus three for the freezer. Filled the oven gaps with baked potatoes

    Made apple and cinnamon overnight oats and spicy butter bean soup

    Cut my hair. Getting quite good at this now

    Had coffee with my sister

    Started a new box set and watched 2 episodes

    Off to watch another before an early night

    Happy Saturday to you

    PP xx
    MFW 2018 #157 Target 15,000

    14,689.68/15,000
    • CathT
    • By CathT 12th May 18, 8:35 PM
    • 5,714 Posts
    • 39,917 Thanks
    CathT
    That is a busy Saturday. I was just thinking earlier that I find it so much harder to be motivated when it is not sunny. We have had a cool cloudy day today and not much got done! Was supposed to be packing for holiday but dh ended up doing the bulk of it!
    Sept 2018 -
    part 1 - 75,557
    part 2 - 44,913
    Total - 120,470
    • pinkypig
    • By pinkypig 13th May 18, 7:40 PM
    • 1,393 Posts
    • 10,897 Thanks
    pinkypig
    That is a busy Saturday. I was just thinking earlier that I find it so much harder to be motivated when it is not sunny. We have had a cool cloudy day today and not much got done! Was supposed to be packing for holiday but dh ended up doing the bulk of it!
    Originally posted by CathT
    It makes a tremendous difference Cath . Have a fabulous holiday xx
    MFW 2018 #157 Target 15,000

    14,689.68/15,000
    • pinkypig
    • By pinkypig 13th May 18, 7:58 PM
    • 1,393 Posts
    • 10,897 Thanks
    pinkypig
    Evening

    What a beautiful day . Lovely and sunny, not too hot and a gentle breeze - perfect

    This weekend has been pretty well balanced which I don't achieve very often. Today has been another mix of chores, family time, relaxing and some exercise. I feel like I've achieved a decent amount but without being tired out so balance is obviously the way forward!

    Today's mfw /well being successes included;

    A run and 20 minutes weights

    Drinking enough water

    Visited mum and dad and filled in their annual assessment forms for Dad's care at home package.

    Had coffee and a good natter with my sister

    Breakfast, lunch and dinner with the kids - unheard of !

    Laundry done and line dried

    Hoovered downstairs

    Made naan bread, pastry, cauli cheese and roasted a gammon joint ready for this week's meal plan

    Small grocery spend of 2.88 on milk, juice, 2x ys potato scones and two ys bags of fresh mussels which we had steamed in wine and garlic for dinner with hm crusty bread and they were yummy

    Tomorrow's lunches are ready

    Watched ds play 5 aside

    Watched two episodes of new box set

    Swallowed a frog - email

    Painted my toenails and slapped on a bit of tinted moisturiser in anticipation of a week with no tights

    Listed 25 eBay items ( drafted them in dribs and drabs this week so not as bad as it sounds )

    Shined my sink

    Off to read for a bit before getting an early night.

    Happy sunny Sunday to you

    PP xx
    MFW 2018 #157 Target 15,000

    14,689.68/15,000
    • pinkypig
    • By pinkypig 14th May 18, 9:23 PM
    • 1,393 Posts
    • 10,897 Thanks
    pinkypig
    Evening

    It's been gorgeous here today, makes you feel glad to be alive

    Day one of my potentially crackers week is done and with no major hiccups. 1 down and 3 to go for me and 4 for ds. He's doing ok but it's going to be a long, tiring few weeks for him.

    Today has been a nsd but as I've hit the mid month lull I've nothing else to report, not even a tt

    Today's mfw/well being successes included;

    Getting home early and sitting in the garden with dd and having a nice chat before she went out to her bf's for a bbq.

    drinking enough water (just)

    A run and 20 mins weights . Love my running when it's sunny and my little and often weights is paying of as I'm getting noticeably stronger

    Went for a walk and a chat with my work pal at lunchtime

    Cheap, healthy eats (porridge for breakfast, lo and salad for lunch and batch cooked veggie tagine from the freezer with cous cous, salad and hm flat bread). So glad of my freezer stocks on busy weeks like these

    Lunches ready for tomorrow

    Laundry in wm ready to peg out before work. So nice to be line drying again

    Emailed ifa with some bits of info he needed to finalise my pension valuations



    Off to bed with a cup of sleepy tea and my book

    Happy Monday

    PP xx
    MFW 2018 #157 Target 15,000

    14,689.68/15,000
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 14th May 18, 9:30 PM
    • 1,671 Posts
    • 8,426 Thanks
    wishingthemortgaheaway
    Pleased today has gone well on all accounts.
    You are a superwoman PP here's hoping the nice weather continues, everything always seems a bit brighter.

    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 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 14th May 18, 9:50 PM
    • 2,278 Posts
    • 14,577 Thanks
    rtandon27
    PP - you are so inspiring & organized - love catching up with your successes!
    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!
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