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  • FIRST POST
    • pinkypig
    • By pinkypig 22nd Jul 17, 6:12 PM
    • 1,470Posts
    • 11,357Thanks
    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 48
    • Karmacat
    • By Karmacat 25th Jun 18, 3:27 PM
    • 30,054 Posts
    • 174,279 Thanks
    Karmacat
    Hello PP, my word, you've been going through a lot - as people have said above, when you basically have your life in balance, it makes it more do-able. Hope you're okay, and we're nearly at the end of the month
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • pinkypig
    • By pinkypig 25th Jun 18, 9:34 PM
    • 1,470 Posts
    • 11,357 Thanks
    pinkypig
    Evening

    My reports are finished. I need to proof read them but the actual writing of them is done . I've had a good day at work and only 19 working days until the summer holidays

    Yesterday proved to be a nsd, was fairly productive and I managed my charity 10k despite the heat (love warm weather but loathe running in it!). Other than that it was just a few jobs and a bit of recovery time

    Today's small steps to success included;

    Met with pensions IFA and have a up to date picture of what's where and are now looking at the figures for various scenarios from age 55 to 60. Feels good to be getting this sorted.
    nsd
    £53.87 of eBay sales paid and transferred to os potwave

    EBay parcels wrapped and labelled

    Hm steak pie for dinner (made extra for lunch boxes and mini ones to have as nibbles on DS's prom night)and freezer lo for lunch

    Marinated meatball mix for tomorrow and got tomato and basil sauce out of the freezer

    Drank enough water

    Laundry done and on the line

    Happy Monday to you

    P P xx
    MFW 2018 #157 Target £15,000

    £21,220.89/£15,000
    • pinkypig
    • By pinkypig 25th Jun 18, 9:40 PM
    • 1,470 Posts
    • 11,357 Thanks
    pinkypig
    Hello PP, my word, you've been going through a lot - as people have said above, when you basically have your life in balance, it makes it more do-able. Hope you're okay, and we're nearly at the end of the month
    Originally posted by Karmacat
    Yey you're back. How was Norway? Fabulous I hope

    Things haven't always been great Karma but I'm definitely out the other side. I'd rather it hadn't been so but it does make you appreciate all that is good and I find I am surrounded by lots of good stuff, particularly when I take moment or two to look:
    MFW 2018 #157 Target £15,000

    £21,220.89/£15,000
    • Karmacat
    • By Karmacat 26th Jun 18, 10:00 AM
    • 30,054 Posts
    • 174,279 Thanks
    Karmacat
    Yey you're back. How was Norway? Fabulous I hope
    Originally posted by pinkypig
    It really was - and it was much more multinational than I thought it would be. Some of our local guides were Spanish and German, studying there (in English!!!) and obviously really loved the country. And Scottish and English links are still very strong in Norway

    Things haven't always been great Karma but I'm definitely out the other side. I'd rather it hadn't been so but it does make you appreciate all that is good and I find I am surrounded by lots of good stuff, particularly when I take moment or two to look:
    Glad to hear you're out the other side. And at the bad times, its all the more important to step back and look, appreciating whatever positives you can find, isn't it.


    19 more sleeps till the holibobs
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • IAAM
    • By IAAM 1st Jul 18, 10:48 AM
    • 31 Posts
    • 67 Thanks
    IAAM
    Hi PP

    I've just read some of your diary and can't believe how much you achieve in 24 hours compared with me. I have a tendency to waste some of my free time, which I absolutely hate. Life is short and, here I am, not always making the most of it.

    You've inspired me to get a grip and come up with a plan! It's important to have "me" time but I need to get stuff done too so there needs to be a balance in my Country Cabin.

    Thanks :-)
    • Downshifterella
    • By Downshifterella 1st Jul 18, 10:57 AM
    • 137 Posts
    • 896 Thanks
    Downshifterella
    Well done on the report writing pinky!! not long now till holidays nearly there!!

    Glad you had a good chat with your sis , it's hard to open up some times but can really be worth it I've found ( I'm not always the best at doing it either!). Afternoon tea sounds yummy ! One of my fave ways to spend an afternoon in fact!

    Definitely also need to take a leaf out of your book in terms of upping my productivity/siezing the day! .....last morning this morning (albeit needed!) But means less hours to get things ready done!

    Have a lovely sunny Sunday
    MF planning for the simple life
    • pinkypig
    • By pinkypig 6th Jul 18, 10:19 PM
    • 1,470 Posts
    • 11,357 Thanks
    pinkypig
    Hello IAAM nice to 'meet' you . Hiya Ella

    Not achieving much at the moment - it feels like the world's on double speed Work has gone loopy and dad's having a really difficult spell and is needing a lot of extra help. I need an eight day week

    In amongst the crazy I have managed some small successes including;

    All meals made at home despite the temptation of convenience when knackered and pushed for time

    Have managed a spin class a week and a couple of runs but looking forward to getting my routine back.

    House is tidy, beds are changed and laundry is up to date

    This weekend I've got dad to care for but will have a chunk of time to myself on Saturday so I must;

    Meal plan and prep for next week

    Repot basil before it dies

    Food shop

    June totals

    July targets

    I'd also like to;

    Tidy the garden

    Get to the bank

    Bake

    Post more often


    10 working days until my holibobs. Can't wait

    PP xx
    MFW 2018 #157 Target £15,000

    £21,220.89/£15,000
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 7th Jul 18, 6:23 AM
    • 1,745 Posts
    • 8,881 Thanks
    wishingthemortgaheaway
    Just keep swimming PP. sorry to hear your Dad is struggling, I hope he settles soon.
    Nearly the hols. You will get there.
    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 7th Jul 18, 6:42 AM
    • 1,470 Posts
    • 11,357 Thanks
    pinkypig
    Morning

    I was awake early so I thought I'd start the day on a positive note by knocking something off my list

    June's totals were ;


    Spends

    Grocery £124.57/£128

    Personal spends £46.55/£46. Almost!

    Fuel £138.08/£140


    Saves

    AVC £880/£880 This is net so £1100 into my pension pot

    OS benefit £95.93

    OS Savings £1131.43/£430

    Capital Reduction £2157.92/£1250

    Mortgage neutral balance £83,409.67

    This means I'm on track for my new goal of being sub £80k by the end of August, a year on from my first OP . £3.5 k in two months is going to need focus though as it includes a holiday abroad

    I'm off to plan a thrifty July (even though it's already started ) whilst enjoying a coffee in bed

    Happy, sunny Saturday to you

    PP xx
    MFW 2018 #157 Target £15,000

    £21,220.89/£15,000
    • CathT
    • By CathT 7th Jul 18, 7:36 AM
    • 5,785 Posts
    • 40,524 Thanks
    CathT
    Impressive June totals. Your consistent low food spends always amaze me!

    Hope you have a wonderful weekend.
    Nov 2018 -
    part 1 - £74,947
    part 2 - £44,678
    Total - £119,625
    • rtandon27
    • By rtandon27 7th Jul 18, 8:18 AM
    • 2,308 Posts
    • 14,796 Thanks
    rtandon27
    Well done on the June totals PP!

    Hang in there, holidays are nearly hear for you!
    2 YEARS DEBT FREE!!! (24 OCT 2016)
    (With heartfelt thanks to those who have gone before us & their indubitable generosity.)
    Working hard to keep all the balls in the air and juggle the budget!
    • pinkypig
    • By pinkypig 8th Jul 18, 3:31 PM
    • 1,470 Posts
    • 11,357 Thanks
    pinkypig
    Thank you both - it's really boosted my motivation so I'm determined to hit that milestone now. The grocery budget is looking a bit this month Cath and I've still got 2 weeks to go

    Time is limited today as I'm with dad all day but yesterday was reasonably productive despite get up and go being a bit scarce!
    I did manage to;

    Turn a chicken breast and some mushrooms that needed using into 5 pies which will do 1 dinner and 2 lunches

    Made caramel shortbread and white chocolate crispy and and a batch of Korma sauce

    Did two loads of laudry

    Swallowed two frogs - a phone call and a letter

    Had some time with the kids

    Phone chats with sister and coffee with another

    July's targets will be;

    Grocery £128

    Fuel £140

    Personal £46

    Exercise three cardio and one weights a week starting next week ,with two spin, one run and kettebells.

    Everything else can wait until the holidays

    Happy Sunday to you

    PP x
    MFW 2018 #157 Target £15,000

    £21,220.89/£15,000
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 8th Jul 18, 4:51 PM
    • 1,745 Posts
    • 8,881 Thanks
    wishingthemortgaheaway
    Keep swimming PP. nearly the holidays.
    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 9th Jul 18, 9:57 PM
    • 1,470 Posts
    • 11,357 Thanks
    pinkypig
    Thanks Wish . Do you get school hols with your new role?

    Today has been a bit of a battle with lethargy I had to force myself to get things done but the fog lifted eventually and it ended up being quite a productive day.

    Small steps to success and happiness included;

    Spin class done

    Lo for lunch and hm spaghetti and meatballs for dinner

    Got veg curry in sc to use up fridge bits and a pile of 5p ys veg

    Par boiled and froze 3 bags of 2p parsnips

    Laundry done and line dried and put away

    Touched up my roots and painted my toenails - good weather requires so much maintenance

    Lunches ready for tomorrow

    £2 spent on two lots of £land laundry liquid

    Off to bed as I'm feeling really tired tonight but only 9 working days to go

    Happy Monday to you

    PP xx
    MFW 2018 #157 Target £15,000

    £21,220.89/£15,000
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 9th Jul 18, 10:23 PM
    • 1,745 Posts
    • 8,881 Thanks
    wishingthemortgaheaway
    Wow. Busy day...

    No, I don't get school holidays, but 6 of my settings are term time only, so they close they end of next week. And, at the moment I'm so part time, that I really can't complain. (This is likely to change, but not just yet)

    Sleep well

    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 10th Jul 18, 10:31 AM
    • 2,308 Posts
    • 14,796 Thanks
    rtandon27
    ...Small steps to success and happiness included...
    Originally posted by pinkypig
    Loving you mindset PP! - Will have to steal that one for today as it's only mid-morning & I'm already wiped out! Baby steps for the rest of the day!
    2 YEARS DEBT FREE!!! (24 OCT 2016)
    (With heartfelt thanks to those who have gone before us & their indubitable generosity.)
    Working hard to keep all the balls in the air and juggle the budget!
    • pinkypig
    • By pinkypig 10th Jul 18, 9:58 PM
    • 1,470 Posts
    • 11,357 Thanks
    pinkypig
    Evening

    Your contract sounds pretty good Wish - school hols are fab when you have little ones, particularly when they start school

    Love baby steps RT , makes you feel like you're getting somewhere. I get a bit demotivated if I don't feel like I'm achieving so every little step is progress. Not surprised you're wiped out in this heat, it's lovely but exhausting!

    Today has been a good day. Work's still nuts but I've wrote a to do by the end of term list. It's massive but at least now I have a plan. In money news I os £13.54 of work expense that were paid this week and did a 30p tt. It wasn't a no spend day as we needed fruit, milk and yogurt. I also needed chicken breasts as they were out of stock in Aldi (again ). They had two 600g bags for £5 in Asda which was a bit more expensive but it saves me the hassle of having to pop into Aldi to check. Total spends was £9.53 which included a 10p farmhouse loaf and two 20p punnets of plums

    Other small steps to success and my overall well being included;

    Drank enough water

    Spin class done - it was so hot

    lo for lunch and hm chicken and mushroom pie for dinner

    Lunches ready for tomorrow

    Laundry done and on the line

    Helped ds with some 'life laundry'

    Started making plans for the weekend. The kids are away and my sister is looking after dad so I intend to be very self indulgent. Time has been in very short supply of late so I'm really looking forward to it. I'm going to treat it like a mini break

    I'm off to bed as I pooped (again!), I'm such a lightweight

    Happy Tuesday to you

    PP xx
    MFW 2018 #157 Target £15,000

    £21,220.89/£15,000
    • Karmacat
    • By Karmacat 11th Jul 18, 8:44 AM
    • 30,054 Posts
    • 174,279 Thanks
    Karmacat
    You're not a lightweight, you're doing really well! And I find sleep is essential, likewise to-do lists



    Not long now!
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • pinkypig
    • By pinkypig 12th Jul 18, 10:27 PM
    • 1,470 Posts
    • 11,357 Thanks
    pinkypig
    Evening

    Thanks Karma, only 6 days now . Things are just manic at the moment so I'm very much looking forward to a gentler pace where I can bring some calm and order to my home, catch up on the mfw diaries, exercise and sleep

    Today has been a good day. I had a busy morning followed by a peaceful afternoon which was lovely. I had a wander round our local charity warehouse after work and although I spent £15 i got some real bargains including a signed and framed limited edition print, a food processor, a DVD box set, various good quality utensils to replace some of my rather tatty, cheap ones, a wholefood cookery book, two loaf tins, a bundt tin, a giant yorkie tin and a batch of assorted gift bags. Got the lovely man that doesn't add stuff up and says call it £x for the lot, Well chuffed

    I was less chuffed later on when my car started to vibrate and make a loud noise and the engine warning light came on Hope it's not going to cost a fortune I've left it at the garage and arranged a lift into work so hopefully they'll be able to fix it before the weekend.

    My grocery budget is being challenged! The kids are around a lot more at the moment which is lovely but they're eating me out of house and home DD is saving for her hols so isn't eating out at all and is doing much of her socialising at home (,that's my girl) and DS has started work and is finding that plus sport is leaving little time for anything else so he's out much less too. I had another £7.02 on salad, grapes, bananas and 36 (!!!) loo rolls. I've now got about £28 left with one weekly shop and a top up to go so we're going to be over The freezer is full but a lot of what's in there isn't ideal in such hot weather hence the endless fruit and salad top ups! On the plus side personal spends are very low

    Small steps to success included;

    Stretched 3 smallish chicken breasts to make 5 dinner portions and three lunch portions by chargrilling them and slicing them and mixing with pesto, pasta and olives and serving it with salad leaves and ys ciabatta.

    Lo for lunch and porridge for breakfast

    Laundry done, folded and away. There is a whites load in the machine but this will have to go on the airer as we are forecast rain - imagine that

    Swept the kitchen floor

    Swallowed a frog - letter

    Drank enough water

    I'm off to bed now so happy nearly Friday to you

    PP xx
    MFW 2018 #157 Target £15,000

    £21,220.89/£15,000
    • pinkypig
    • By pinkypig 14th Jul 18, 6:11 AM
    • 1,470 Posts
    • 11,357 Thanks
    pinkypig
    Morning

    I've woken early but feel more refreshed than I have all week as I've slept really well. The laundry is hung out and I'm having an hour reading in bed with a large coffee - Saturday morning bliss.

    Last night just disappeared with helping out mum and dad and sleepiness but today is going to count! I'm not sure which order but plans include;

    A walk
    A run
    A picnic
    A box set, curry and wine

    In terms of less fun items I also need to do the food shopping as we are out of fruit and salad - again!

    In money news yesterday would have been a nsd apart from the car - £148 but it's done and was done quickly. It's also lovely to drive and the problem was a cylinder part so it such also be back to maximum fuel efficiency

    5 more working days until my summer holidays

    Happy Saturday to youwave

    PP xx
    MFW 2018 #157 Target £15,000

    £21,220.89/£15,000
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