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  • FIRST POST
    • pinkypig
    • By pinkypig 22nd Jul 17, 6:12 PM
    • 1,519Posts
    • 11,773Thanks
    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 61
    • CathT
    • By CathT 9th Nov 18, 6:49 AM
    • 5,964 Posts
    • 41,613 Thanks
    CathT
    It's a great thread isn't it. I'm so glad apple signposted me. It's definitely the little things that make a difference and I'm also a true believer in self care and compassion and it's quite a nurturing thread.

    That was a mammoth food shop for you.

    Any weekend plans?
    March 2019 - part 1 - £70,912 part 2 - £44,104
    Total - £115,016 105 months to go!
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 9th Nov 18, 6:53 AM
    • 1,977 Posts
    • 10,817 Thanks
    wishingthemortgaheaway
    I had a look at the nst thread too, think I may pop over and join you all.

    Thank you.
    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 Dec: 28/100
    MFW 2019 Challenge Member #59: 0/£2860
    • pinkypig
    • By pinkypig 10th Nov 18, 9:14 PM
    • 1,519 Posts
    • 11,773 Thanks
    pinkypig
    It's a great thread isn't it. I'm so glad apple signposted me. It's definitely the little things that make a difference and I'm also a true believer in self care and compassion and it's quite a nurturing thread.

    That was a mammoth food shop for you.

    Any weekend plans?
    Originally posted by CathT
    I had a look at the nst thread too, think I may pop over and join you all.

    Thank you.
    Originally posted by wishingthemortgaheaway
    It is indeed fab. So useful and so positive

    Hope you're both well
    MFW 2018 #157 Target £15,000

    £23,095.71/£15,000
    • pinkypig
    • By pinkypig 10th Nov 18, 9:37 PM
    • 1,519 Posts
    • 11,773 Thanks
    pinkypig
    Evening

    I missed my post yesterday but it was Friday night and so chose to enjoy a nice dinner with the kids and a girly night in with DD watching a chickflick. It was so nice. Waking at 2.15 am and staying that way until gone 4am was less nice so I'm feeling a bit frazzled. I've also had extensive parent duties today and tonight so very little has been achieved I'm afraid.

    Yesterday's small steps to success and wellbeing included;

    A nsd

    A walk and a chat at lunchtime

    Dealt with a load of work frogs without getting my knickers in a twist

    Drank enough water

    Had lovely family time

    Lit the wood burner as soon as I got in so the living room was lovely and cosy for our film night

    Laundry load done and left in front of the wood burner overnight to dry

    Cheap healthy (ish) eats (porridge for breakfast,lo and salad for lunch and hm steak and mushroom pie, mashed potatoes and veggies for dinner)

    Today's were very small and there were not many of them

    A nsd

    A nice, grown up chat with dd

    Made the kids pancakes for breakfast

    Had the day with dad and had a phone chat with mum

    Was a taxi service inbetween parental duties

    Lo for lunch and freezer dive for me and ds for dinner as dd was out.

    As dad was settled I got a huge amount of marking done included a class set of extended writing which takes hours Quite boring but a great job to get done.

    While dad was watching a film tonight I read through all my pension advisor stuff and did some research. I feel my understanding is clearer and I know what I think I should do. I'm going to get a second opinion and will then get on with it. I'd like to have things done or at least in motion by the end of the year.

    I'm off to my lovely warm bed with a book and a cup of tea. Perfect Saturday night for the aging bore I'm becoming

    Happy Saturday to you

    PP xx
    MFW 2018 #157 Target £15,000

    £23,095.71/£15,000
    • rtandon27
    • By rtandon27 10th Nov 18, 9:58 PM
    • 2,397 Posts
    • 15,492 Thanks
    rtandon27
    ...I'm off to my lovely warm bed with a book and a cup of tea. Perfect Saturday night for the aging bore I'm becoming...
    Originally posted by pinkypig
    PP, bed is the perfect place to be no matter your age - lol

    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 11th Nov 18, 9:18 PM
    • 1,519 Posts
    • 11,773 Thanks
    pinkypig
    PP, bed is the perfect place to be no matter your age - lol

    Originally posted by rtandon27
    It is lovely isn't it?: Xx
    MFW 2018 #157 Target £15,000

    £23,095.71/£15,000
    • pinkypig
    • By pinkypig 11th Nov 18, 9:36 PM
    • 1,519 Posts
    • 11,773 Thanks
    pinkypig
    Evening

    Today has been so wet and windy I've not ventured far and have had a lovely day pottering. I've got a horrendously busy see this week so I've focussed on my turtle task - get organised

    As I'm going to be low on exercise opportunities this week I went for run despite the weather. I got soaked but in a weird way I like running in the rain. I then spent the rest of the day reading in amongst domestics.

    So today's small steps to success and wellbeing included;


    A good sleep

    Coffee and an hour reading in bed

    A run and 20 minutes weights

    Drank enough water

    Made a batch of Bolognese sauce, one for tomorrow and two for the freezer, two lots of chicken curry and some leek and potato soup. I had naan dough in the freezer so this was just to roll out and bake.

    Lunches for the next few days ready

    Hoovered

    Beds changed

    Cleaned out and organised fridge to use up or freeze so they'll be no waste this week.

    Wood burner lit early so no heating needed and laundry will be dry by morning

    A nsd

    I'm off for an early night (again)!

    Happy Sunday to you

    PP xx
    MFW 2018 #157 Target £15,000

    £23,095.71/£15,000
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 12th Nov 18, 7:17 AM
    • 1,977 Posts
    • 10,817 Thanks
    wishingthemortgaheaway
    Is it parents evenings by any chance? Always a killer
    Hope it goes better than expected.

    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 Dec: 28/100
    MFW 2019 Challenge Member #59: 0/£2860
    • pinkypig
    • By pinkypig 20th Nov 18, 9:22 PM
    • 1,519 Posts
    • 11,773 Thanks
    pinkypig
    Is it parents evenings by any chance? Always a killer
    Hope it goes better than expected.

    Wish.
    Originally posted by wishingthemortgaheaway
    Thanks Wish but that's next week My work diary between now and Christmas is nuts, all nice stuff (on the whole - too many twilights for my liking) but so much of it!
    Hope you're doing ok and that your travelling is proving manageable. Xx
    MFW 2018 #157 Target £15,000

    £23,095.71/£15,000
    • pinkypig
    • By pinkypig 20th Nov 18, 9:55 PM
    • 1,519 Posts
    • 11,773 Thanks
    pinkypig
    Sneaks sheepishly in ... . I can't remember ever leaving it so long between posts, I'm surprised I wasn't further back than page 3. Have things been quieter than usual? Hope everyone's doing ok.

    Work is proving time consuming! Last week was ridiculous, this ones marginally better and next week is similar. After that it's much the same . Every year I forgot what it's like and then find myself stunned by the reminder - it's a bit like childbirth

    Consequently, I'm not finding much time for being proactive but I've tried hard to plan ahead so have avoided expensive convenience despite it being sorely tempting.

    As far as I can recall the last week's small steps to success and wellbeing included;

    Sensible spending £17.96 grocery, fuel in the car £30 ish on Xmas gifts for ds (all BNWT so very pleased with that) but no other spends.

    Tax bill on SE earnings was much better than expected but was accompanied by a £250 bill from the accountant

    Some exercise - a long hill walk, a trail run and a spin class

    Generally drank enough water.

    Cheap, mainly healthy eats (too much cake and carbs - it's so cold)

    Meal plans built around freezer and cupboards

    Next week's meal plan and shopping list done

    Made spicy carrot and lentil soup in the pc.

    Adjusting heating programme weekly to ensure its warm when needed but not heated unnecessarily when we're out and about (everyone's schedules are all over the place at the moment)

    Did Christmas present inventory and it looks good. DS didn't have a lot but I've ordered 4 things he'll really like at good prices so he just needs bits for his stocking now - you're never too old!

    Wrapped some Christmas gifts - going to try little and often

    Laundry up to date


    Had a resttful, restorative week which was desperately needed. Fresh air, excercise, several bubble baths, lots of reading, easy freezer food, lots of good quality sleep and a nice bottle of wine

    Have thought around my pension, avc, mortgage and lifestyle goals and have made some decisions. I've implemented some and will think through the others ready for my 2019 goals when I've got more head space.

    Happy Tuesday to you

    PP xx
    MFW 2018 #157 Target £15,000

    £23,095.71/£15,000
    • Karmacat
    • By Karmacat 21st Nov 18, 9:41 AM
    • 31,079 Posts
    • 182,627 Thanks
    Karmacat
    You're managing to find time for Christmas preparations? Wow
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • pinkypig
    • By pinkypig 21st Nov 18, 10:04 PM
    • 1,519 Posts
    • 11,773 Thanks
    pinkypig
    You're managing to find time for Christmas preparations? Wow
    Originally posted by Karmacat
    Needs must Karma or fear it will have been and gone and I'll be left behind looking bewildered
    MFW 2018 #157 Target £15,000

    £23,095.71/£15,000
    • Butti
    • By Butti 21st Nov 18, 10:22 PM
    • 4,850 Posts
    • 13,675 Thanks
    Butti
    Hello Pinky,

    I wonder with your general wellbeingness angle going on, you have heard about breathing!!!!

    So my mindfulness book (think it's Dr Raj - 4 pillars or something!) suggests 3:4:5 breathing for a few minutes.
    In to a count of 3
    Hold to a count of 4
    Out to a count of 5

    Seems to work for me

    B x
    Debt LBM (08/09) £11,641. (08/12) £22,734. (2/19 )£4621
    Diary 'Butti's journey : A matter of loaf or death'.
    Diary 2 'The whimsical tale of the Waterbed of Debt'
    35% 35.4% paid off mortgage
    'one day I will be rich and famous…for now I'll just have to settle for being poor and incredibly sexy'. Vimrod Member of MIKE'S MOB
    • pinkypig
    • By pinkypig 21st Nov 18, 10:22 PM
    • 1,519 Posts
    • 11,773 Thanks
    pinkypig
    Evening

    Another late one at work but weirdly don't feel too weary. Think it's a bit of relief at getting things done and therefore knocked off the 'Things I'd like to get out of the way ' list

    My commute is a bit grim at this time of year as it's on country roads and it's so dark now it's also turned terribly cold and there's snow visable on the hills so it was lovely getting home to my warm, cosy house. It makes you thankful for what you've got that's for sure, a very good reminder that my thrift is a choice and not a necessity and for that I'm very grateful.

    Today's small steps to success and wellbeing included;

    A good sleep

    Drank enough water

    Cheap,healthy eats ( porridge for breakfast, lo for lunch and batch cooked three bean chilli and rice for dinner)

    A nsd

    Marking up to date and classroom tidy

    Lunches ready for tomorrow and calzones defrosting for an easy dinner as I've got another long day tomorrow.

    A few more Christmas presents wrapped.

    £3.68 tcb transferred to os account and a other £3.56 requested.


    Gift bags, wrapping paper, ribbon, scissors , tape and labels sorted out and put tidily in a box

    In bed with my electric blanket on enjoying a cup of tea

    Happy hump day

    PP xx
    MFW 2018 #157 Target £15,000

    £23,095.71/£15,000
    • pinkypig
    • By pinkypig 21st Nov 18, 10:28 PM
    • 1,519 Posts
    • 11,773 Thanks
    pinkypig
    Hello Pinky,

    I wonder with your general wellbeingness angle going on, you have heard about breathing!!!!

    So my mindfulness book (think it's Dr Raj - 4 pillars or something!) suggests 3:4:5 breathing for a few minutes.
    In to a count of 3
    Hold to a count of 4
    Out to a count of 5

    Seems to work for me

    B x
    Originally posted by Butti
    I do try and fit that in !! The joys of being a single mum, dutiful daughter and full time teacher - I do sometimes think I may eventually disappear up my own @**e

    I think mindfulness sounds so sensible and beneficial when people on here talk about so I really must give it a go
    MFW 2018 #157 Target £15,000

    £23,095.71/£15,000
    • the cross rabbit
    • By the cross rabbit 22nd Nov 18, 7:19 AM
    • 411 Posts
    • 2,478 Thanks
    the cross rabbit
    if you do disappear up your own A@£% I'll not volunteer to come find you
    CRx
    Mortgage £82,000, due to end July 2036. 18/1/2019 Mortgage £79,150.55
    #67 mortgage free wannabe 2019 £157.48/£800
    • pinkypig
    • By pinkypig 22nd Nov 18, 9:12 PM
    • 1,519 Posts
    • 11,773 Thanks
    pinkypig
    if you do disappear up your own A@£% I'll not volunteer to come find you
    CRx
    Originally posted by the cross rabbit
    I know we pride ourselves on supporting each other but that would be taking it a step too far!
    MFW 2018 #157 Target £15,000

    £23,095.71/£15,000
    • pinkypig
    • By pinkypig 22nd Nov 18, 9:30 PM
    • 1,519 Posts
    • 11,773 Thanks
    pinkypig
    Evening

    Omg it's so cold The heating has been on but I still lit the Wood burner when I got in. This has heated the downstairs to toasty levels and will get the laundry dry overnight

    Today has been busy and quite long (but not as long as yesterday) but good. I'm staying on top of my marking and assessments despite all the extras and that has definitely helped me to feel more in control.

    Today's small steps to success and wellbeing included;

    Breathing (thanks for the encouragement Butti )

    A good sleep

    Drank enough water

    A very cold run

    Cheap,healthy eats (porridge for breakfast, lo for lunch and batch cooked calzones from the freezer for an easy dinner)

    Did the grocery shop on the way home so did have some spends (£20.76 but went back for another two more bags of wonky apples as I had one on the way to the car and they turned out to be yummy Pink Ladies 78p for 5 big ones )

    Checked tax return - two queries

    Laundry done and on the airer

    On of DS's Christmas presents arrived in the post so I wrapped it and put it away.

    Bins emptied

    Made a dentist appointment but couldn't get through to the Dr

    Swallowed a frog - email

    Off to bed to read for an hour before lights out at 10.30.

    Happy Thursday to you

    PP xx
    MFW 2018 #157 Target £15,000

    £23,095.71/£15,000
    • CathT
    • By CathT 22nd Nov 18, 10:23 PM
    • 5,964 Posts
    • 41,613 Thanks
    CathT








    On of DS's Christmas presents arrived in the post so I wrapped it and put it away.





    Originally posted by pinkypig

    This is far too organised
    March 2019 - part 1 - £70,912 part 2 - £44,104
    Total - £115,016 105 months to go!
    • pinkypig
    • By pinkypig 23rd Nov 18, 9:25 PM
    • 1,519 Posts
    • 11,773 Thanks
    pinkypig
    This is far too organised
    Originally posted by CathT
    Needs must Cath - he's a right nosey so and so!!
    MFW 2018 #157 Target £15,000

    £23,095.71/£15,000
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