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  • FIRST POST
    • pinkypig
    • By pinkypig 22nd Jul 17, 6:12 PM
    • 1,470Posts
    • 11,351Thanks
    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 56
    • pinkypig
    • By pinkypig 15th Sep 18, 8:25 AM
    • 1,470 Posts
    • 11,351 Thanks
    pinkypig
    Morning

    Week 2 done and managing to keep my head above water at work and domestically. Hope I can keep it up! My schedule with Dad is quite heavy as he's settled well but doesn't really like it The staff are nice but so busy and as he's very quiet and generally well behaved he often has long spells with no company so we have a rota so he has a decent visit morning, afternoon and evening. My sister is back from hols soon so it will be much easier next week

    In money news I've had a few spends but all were necessary. I did the food shop for £20.65 as we are still pretty much eating the batch cooking from last month . I also paid my Christmas dinner deposit and milk money at work and a sponsorship for a colleague. £7 from grocery and £15 from personal. I also got everything for DD's family get together for her big birthday . £95.85 which was ingredients for different curries, dessert ingredients and the stuff to make her cake plus two boxes of wine, some lager, cider and bitter and soft drinks for 30. Thank you Aldi
    I've done a curry in the sc overnight every night this week and put it in the freezer. Her cake plus two for work are in the oven ready for icing tomorrow. I've got dad today so tonight is desserts which leaves naan bread, rice and a good clean of the house for tomorrow. Its family from her dad's side coming too so I'm a bit nervous Hope everything looks and tastes ok when I've finished. Lots of moral support from my side though so it'll be ok
    I'm going to have a coffee and read while I'm waiting for my cakes to bake then it's a quick shower and off to Dad's.

    Happy Saturday to you


    PP xx
    MFW 2018 #157 Target £15,000

    £21,220.89/£15,000
    • Karmacat
    • By Karmacat 15th Sep 18, 10:08 AM
    • 30,037 Posts
    • 174,064 Thanks
    Karmacat
    Thats a very heavy schedule, PP, and very kind. And I hope the big do tomorrow goes really well.
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • pinkypig
    • By pinkypig 15th Sep 18, 9:50 PM
    • 1,470 Posts
    • 11,351 Thanks
    pinkypig
    Thats a very heavy schedule, PP, and very kind. And I hope the big do tomorrow goes really well.
    Originally posted by Karmacat
    Thanks Karma. I'm on schedule so far but feeling a little frazzled Hope you're well xx
    MFW 2018 #157 Target £15,000

    £21,220.89/£15,000
    • pinkypig
    • By pinkypig 15th Sep 18, 10:22 PM
    • 1,470 Posts
    • 11,351 Thanks
    pinkypig
    Evening

    Today has felt like a bit of a whirl but I've achieved more than I'd hoped and feel less daunted about my list of to dos than I did yesterday
    As I woke early I got my cakes in and done before I went to see dad which was great as it got me a bit ahead of schedule. As dad was bit weary I actually read for a long while whilst he snoozed and watched TV which gave me a nice rest as well as keeping him company

    Once home I focussed on food prep annd;

    Chargrilled 3kg of chicken ready for curry assembly ( this way I could freeze the sauces ahead without meat or dairy added so I can freeze any leftovers)

    Iced and filled the work cakes (one chocolate - filled with the last of the jam made with ys plums and one lemon filled with freezer lemon curd made with ys lemons)

    Filled dd's birthday cake with jam and butter cream and covered it in fondant icing.

    Made two pavlovas (one will be Irish cream and the other summer fruits), sherry trifle (still my fave) and white chocolate cheesecake

    Defrosted Rogan josh , korma , tikka masala and Thai yellow sauces

    Put chickpea and peach curry in the sc overnight

    Mse triumps inluded;

    Used some leftover border from school to go round the cake

    Found metallic candles from her 18th and will resuse rather than buying special ones

    Picked the raspberries out of a bag of frozen fruit for the trifle base and used some of the rest to fold through cream for a pavlova topping. I've got some free blackberries to decorate it with. Cost about a £1 so much more thrifty than fresh.

    Froze the egg yolks from the pavlova (couldn't face making custard) individually with a bit of sugar to use as egg wash.

    Made butter cream with 1/2 butter and half beautifully butterly - it tastes no different


    Had a nsd

    So far my celebration on a shoestring is shaping up ok. Just got hm naans , rice and Bombay potatoes to do tomorrow and some chocolate brownies if I have time.

    Off to bed now as I'm pooped

    PP xx
    MFW 2018 #157 Target £15,000

    £21,220.89/£15,000
    • rtandon27
    • By rtandon27 16th Sep 18, 7:43 AM
    • 2,306 Posts
    • 14,781 Thanks
    rtandon27
    PP - you are such a lovely mama to go through all the effort to do a wonderful meal for DD!

    As always your productivity is inspiring!!!
    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 16th Sep 18, 9:00 AM
    • 1,470 Posts
    • 11,351 Thanks
    pinkypig
    PP - you are such a lovely mama to go through all the effort to do a wonderful meal for DD!

    As always your productivity is inspiring!!!
    Originally posted by rtandon27
    Hi RT and thank you. I didn't want her special day to go unmarked and luckily she's her mother's daughter - wanted it at home and not some upmarket eatery
    On top of things now but I'm definitely having a lazy weekend next week!!
    Hope you're well xx
    MFW 2018 #157 Target £15,000

    £21,220.89/£15,000
    • pinkypig
    • By pinkypig 16th Sep 18, 9:06 AM
    • 1,470 Posts
    • 11,351 Thanks
    pinkypig
    Morning

    Lashing it down here I need some exercise but I'm not running in that!
    I was awake at 7 so I got large quantities of naan bread dough in the mixer (love my dough hook) and I'll bake them later. Everything else is assemble and warm up and then just whipped cream on the desserts. Phew

    My challenge today will be to avoid last minute ' I might need this' syndrome. I don't need anything so will try and resist and go for a nsd instead.

    Just need to clean the house now

    Happy Sunday to you

    PP xx
    MFW 2018 #157 Target £15,000

    £21,220.89/£15,000
    • Karmacat
    • By Karmacat 16th Sep 18, 10:25 AM
    • 30,037 Posts
    • 174,064 Thanks
    Karmacat
    Have a great day! And if you're cleaning today, you *only* clean the bits that are on show - please!
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • pinkypig
    • By pinkypig 18th Sep 18, 9:29 PM
    • 1,470 Posts
    • 11,351 Thanks
    pinkypig
    Have a great day! And if you're cleaning today, you *only* clean the bits that are on show - please!
    Originally posted by Karmacat
    It's a rare day when I do anything else Karma
    MFW 2018 #157 Target £15,000

    £21,220.89/£15,000
    • pinkypig
    • By pinkypig 18th Sep 18, 9:57 PM
    • 1,470 Posts
    • 11,351 Thanks
    pinkypig
    Evening

    Is it only Tuesday? My weekend was so busy it feels like a long time since I had a lazy day. I'm going to make up for it this weekend

    Moneywise it's been a pretty good week. I had a ns weekend as I avoided contingency buying which was the right thing to do as there was plenty of food and I ended up with more drink than I started with. My only spends this week have been filling the car with fuel.
    I had a bit of a windfall as Highways England have finally coughed up for the damage to my car which was almost certainly caused by pot holes. £256

    In terms of well being I need to get a grip, too many late nights, not drinking enough water, too much food and only one run since last Wednesday Must try harder and now we have a clear routine with Dad I can get into a routine.

    Today's small steps to freedom and success included;

    Laundry done and on the airer

    Cheap, healthy eats (porridge for breakfast, lo Thai curry for lunch and !o Rogan josh for dinner)

    A nsd

    Swallowed a frog - phone call

    Arranged for boiler to be fixed (insured phew!!)

    Had new water meter fitted. It looks like the spike in usage was a misread due to condensation on the old meter (phew again !)

    Classroom tidy and resources ready for tomorrow. Marking up to date. I seriously must keep this up as it takes so much pressure off.

    Kids on great form

    I'm off to bed - time to refocus on my health and wellbeing

    Happy Tuesday to you

    PP xx
    MFW 2018 #157 Target £15,000

    £21,220.89/£15,000
    • pinkypig
    • By pinkypig 19th Sep 18, 9:24 PM
    • 1,470 Posts
    • 11,351 Thanks
    pinkypig
    Evening

    Those winds My drive home was a bit hair raising but those images on the news put it into perspective

    In money news I've had a small spend day. My grand total was 97p and it included a pack of cooking bacon (when did that come down in price? Not bought any for ages - 57p, 2 ys ciabatta, a farmhouse tin loaf and a pack of white choc pancakes that ds loves)

    Other small steps to freedom and wellbeing included;

    Drank enough water

    Spin class done

    Cheap, healthy eats (porridge for breakfast,_lo curry for lunch and batch cooked chilli from the freezer for dinner)

    Lunches done for tomorrow

    Muddy football kit in to soak

    Cake made for charity event

    Classroom tidy and resources ready for tomorrow. Marking up to date. Must polish my halo

    In less good news new tenant has given back word Back to square one

    Off to watch a bit of tv and then bed
    Happy Hump Day to you

    PP xx
    MFW 2018 #157 Target £15,000

    £21,220.89/£15,000
    • rtandon27
    • By rtandon27 20th Sep 18, 1:41 PM
    • 2,306 Posts
    • 14,781 Thanks
    rtandon27
    Curious minds want to know...

    What do you do with cooking bacon PP?

    I've only every used it in a stew (instead of pancetta) and in a quiche chopped finely.
    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 20th Sep 18, 8:25 PM
    • 1,470 Posts
    • 11,351 Thanks
    pinkypig
    Curious minds want to know...

    What do you do with cooking bacon PP?

    I've only every used it in a stew (instead of pancetta) and in a quiche chopped finely.
    Originally posted by rtandon27
    Hi RT


    I usually cut all the fatty bits off for the birds and then use the big bits in sandwiches for ds's breakfast. The other bits I use for omelettes, quiche, carbonara, risotto, pea and ham soup and chicken and bacon pie filling. It's also nice chopped up and put in mayo with peppers ect for sandwich or baked potato fillings.
    Hope you and OH are ok

    PP xx
    MFW 2018 #157 Target £15,000

    £21,220.89/£15,000
    • pinkypig
    • By pinkypig 20th Sep 18, 8:46 PM
    • 1,470 Posts
    • 11,351 Thanks
    pinkypig
    Evening

    It's nearly Friday

    As last weekend was so hectic I'm planning a relaxed one. The kids are at their dad's so I'm free of responsibility . So far it's a freezer dinner and a bottle of wine on Friday night. This will hopefully be followed by a lie in, coffee in bed, a run, a bubble bath, a box set, a freezer dinner and more wine As for Sunday, I'm going to see what I feel like doing.

    In money news it's been a nsd and there's still no sign of a new tenant

    However, small steps to freedom and wellbeing included;

    Drank enough water

    Did a 10k run and stretched properly - you've live and learn (and then forget and have to learn again).

    Changed ds's bed and washed the bedding and a load of laundry done and got it on airers. As it was a bit chilly so I lit the stove so it'll be dry in the morning and the living room and kitchen will be toasty

    Dry laundry folded and put away

    Cheap,healthy eats (porridge for breakfast, lo chilli for lunch and ys fish, ys thai noodles and salad for dinner)

    Lunches ready for tomorrow

    Painted my toenails

    DD hoovered downstairs

    Got my winter boots out of the loft

    Boiler fixed so there is hot water upstairs and down

    Emailed about driving lessons for DS

    Classroom tidy and resources ready for tomorrow. Marking is nearly up to date - half an hour before school should do it.

    Off for an episode of TGBBO and then bed.


    Happy nearly Friday

    PP xx
    MFW 2018 #157 Target £15,000

    £21,220.89/£15,000
    • PurpleFairy26
    • By PurpleFairy26 21st Sep 18, 8:32 PM
    • 2,408 Posts
    • 16,360 Thanks
    PurpleFairy26
    Hi PP Iíve been off work for a few days and stumbled on your diary and have since read from start to finish. Very inspiring stuff, love how much youíve achieved in a year and shows what can be done when someone is focused. Weíve just started smal OP to our BTL and are actually looking at increasing our main mortgage in the next 6 months but it will give us considerable value in the long term. And will then begin over paying and adding avc to my pension.

    Thank you for all the inspiration, on food, exercise (I feel so much better after a run, and whilst they donít necessarily realise it my family are grateful too ), wellbeing as well as financial things. Iíve screen shot a couple of recipes as I love to get food spends lower and will continue to follow your journey if you donít mind. I hope youíre Dad settles. Sending much positive thoughts and vibes your way.
    • pinkypig
    • By pinkypig 24th Sep 18, 10:01 PM
    • 1,470 Posts
    • 11,351 Thanks
    pinkypig
    Hi PP Iíve been off work for a few days and stumbled on your diary and have since read from start to finish. Very inspiring stuff, love how much youíve achieved in a year and shows what can be done when someone is focused. Weíve just started smal OP to our BTL and are actually looking at increasing our main mortgage in the next 6 months but it will give us considerable value in the long term. And will then begin over paying and adding avc to my pension.

    Thank you for all the inspiration, on food, exercise (I feel so much better after a run, and whilst they donít necessarily realise it my family are grateful too ), wellbeing as well as financial things. Iíve screen shot a couple of recipes as I love to get food spends lower and will continue to follow your journey if you donít mind. I hope youíre Dad settles. Sending much positive thoughts and vibes your way.
    Originally posted by PurpleFairy26
    Hi PF

    Thank you for taking the time to post and for your kind wishes for my dad (whose slowly settling in ).
    Crikey, the whole diary - Well done and thank you. The support on here is simply fab
    Balancing OPs and AVCs is working for me although I'm desperate to get rid of the mortgage so it's tempting to throw everything at that - just remember the tax relief I'm clawing back

    Good luck with your plans and your running - the benefits sure are worth the effort of forcing yourself out of the door
    MFW 2018 #157 Target £15,000

    £21,220.89/£15,000
    • pinkypig
    • By pinkypig 24th Sep 18, 10:15 PM
    • 1,470 Posts
    • 11,351 Thanks
    pinkypig
    Evening

    I've been very lax about posting so must get back into the swing

    The weekend has been great, very chilled and just what I needed. The weather was way better than forecast so I managed a walk and a trail run in the sunshine. It was a bit chilly though! I also did lots of reading, ate well, had coffee in bed, drank some nice wine and prepped a huge bag of foraged apples for the freezer.

    In money news I have a tenant going through referencing (third time lucky ) and I had no spends other than filling up the car and £11.33 on fruit,veg and some fresh bits. My last batch cook has saved a fortune this month not to mention time and energy. I'm going to have another go at half term

    Today's small steps to success and freedom included;

    Visited dad

    Classroom tidy, resources ready for tomorrow and marking up to date.

    Cheap, healthy eats (cereal for breakfast, calzone from the freezer and salad for lunch and batch cooked spicy black bean bake with sweet potato mash for dinner)

    A nsd

    Swallowed a frog - email

    Did a short run

    However, I didn't drink anywhere near enough water and ate too much between meals. Must try harder

    Off to bed as I'm trying to get a bit more sleep

    Happy Monday to you

    PP xx
    MFW 2018 #157 Target £15,000

    £21,220.89/£15,000
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 24th Sep 18, 10:54 PM
    • 1,742 Posts
    • 8,853 Thanks
    wishingthemortgaheaway
    Happy Monday PP, well done on keeping up with the marking, always a big challenge. How are the new class? I remember you had a mixed year group last year, so does that mean you have some treasures for the second year or is this a whole new class?

    I have a 1 litre water bottle I carry around with me. 2 of those a day are my requirements. Works 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
    • woodfired
    • By woodfired 25th Sep 18, 9:29 AM
    • 80 Posts
    • 264 Thanks
    woodfired
    Good going PP, DD's birthday sounds fab - and a lot of hard work!!

    Glad your Dad is settling and you are getting more free time. Also, excellent work on the school front. It's not easy keeping on top of everything but it feels so good when you are!x
    Nov 17: Mortgage Balance £135 900 Business Loan £83 000 Savings £10 500
    Aug 18: Mortgage balance £128 907 Business Loan £78 328 Savings £11 337
    • pinkypig
    • By pinkypig 25th Sep 18, 8:43 PM
    • 1,470 Posts
    • 11,351 Thanks
    pinkypig
    Happy Monday PP, well done on keeping up with the marking, always a big challenge. How are the new class? I remember you had a mixed year group last year, so does that mean you have some treasures for the second year or is this a whole new class?

    I have a 1 litre water bottle I carry around with me. 2 of those a day are my requirements. Works well.
    Originally posted by wishingthemortgaheaway
    I'm trying so hard to drink more water but it's a work in progress! I have indeed got some kids for another year but they are delightful. I've a couple of 'characters ' but its lovely class. Really enjoying work as a result

    Hope you're doing ok. Is the supply market still good? Xx

    Good going PP, DD's birthday sounds fab - and a lot of hard work!!

    Glad your Dad is settling and you are getting more free time. Also, excellent work on the school front. It's not easy keeping on top of everything but it feels so good when you are!x
    Originally posted by woodfired
    Hiya WF , marking is indeed the curse of the job as you're only ever ahead for 12 hours or so I bet you don't miss it

    DD's party was great and pretty thrifty but I did feel a bit like a galley slave that week! It sounds like you've done similar for your DS and family - glad it went well. Also glad you've outed that toerag that's been stealing from you. Honestly don't know how folks like that sleep at night Well done you for spotting it xx
    MFW 2018 #157 Target £15,000

    £21,220.89/£15,000
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