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  • FIRST POST
    • Betterthanever
    • By Betterthanever 1st Sep 17, 1:17 PM
    • 526Posts
    • 3,606Thanks
    Betterthanever
    New but not new - Year 1 of 5!
    • #1
    • 1st Sep 17, 1:17 PM
    New but not new - Year 1 of 5! 1st Sep 17 at 1:17 PM
    Hi! I'm a re-joining member of old.....and whilst I'm reluctant to give up my previous 10,000 post count, I also don't fancy ex husband following my every move as I go into this next exciting chapter of life! I was a DFW stalwart for years, but am pleased to announce am on the MFW journey....with vigour

    I've not been on the boards for a while but it's lovely to see some familiar names and it's comforting having made the decision to come back!

    I'm mid 40s, kids are grown up and more or less independent (one just moved out and one still creating mess at home). I'm lucky enough to have met a fabulous man who was mad enough to marry me a couple of years ago, and life is just the best.

    The house is mine as I bought ex-h out in the divorce, which means the mortgage is also mine. We have plans and desires to start reducing our working stresses in 5 years time and oh can start drawing his lump sum and his pension then if he wishes. As we both lost out dads at 55, we are mindful of the fact we are not here forever. On the other hand we are fit and healthy so would hope to have a good few years to enjoy life ahead of us.

    We love to spend time together and travel and want to do more of this without being tied into 5 weeks annual leave allowance!

    So....all this starts with the fact my fixed rate comes to an end soon. I can switch on 31st October. The remaining term should be 11 years but I've done my calculations and reckon if I take a 5 year fixed rate, I can finish it off when that comes to an end....taking me to 52 and OH to 56 so still plenty of years ahead of us for living!

    My starting point is a current mortgage figure of £116,879.11. It's no small challenge but I'm no stranger to that and I'm going to enjoy this one an awful lot

    I feel like I've come home.....
    Last edited by Betterthanever; 03-11-2017 at 8:45 AM.
Page 25
    • pinkypig
    • By pinkypig 5th Jan 18, 8:24 PM
    • 1,259 Posts
    • 10,210 Thanks
    pinkypig
    Great news on the car. Mine's being serviced on Thursday and the brakes feel in need of attention Hope its not too costly but needs must.

    Love the idea of bucket list trips! Having things to look forward to keep your going and makes your efforts feel worthwhile. Might do a little holiday research myself

    Enjoy your weekend xx
    • Betterthanever
    • By Betterthanever 6th Jan 18, 1:41 PM
    • 526 Posts
    • 3,606 Thanks
    Betterthanever
    Loose change is now going into the big marmite jar towards the latest bucket list trip. £2 coins already go into a terramundi for our mega "first trip when we retire" fund.

    £10 Amazon vouchers received from SB last night - they are building up towards things for the new house.

    The Christmas tree is down, a bag has been taken to the Charity shop and another is part filled. I've sorted out the box of wrapping paper and cards etc - we won't need to buy cards for any occasion this year as I seem to have everything from new baby to 80th birthday cards.....!

    Meal plan for next week is complete, a basic shop done and receipts scanned to various apps including shopmium.

    Oh, and another spin class successfully tackled. The hip is holding up nicely so far!

    Current balance £112,593.71. Offset £2,677.73. £109,951.98 needed to be mortgage neutral!
    End date - 03/29 but aiming for 10/22 - 2018 O/pay £600
    Make £2018 in £2018 = £406.75/£2018
    Former DFW Nerd 230. Determined to be MF. Bring it on!
    • beanielou
    • By beanielou 6th Jan 18, 8:53 PM
    • 54,982 Posts
    • 219,469 Thanks
    beanielou
    All sounding good
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • Betterthanever
    • By Betterthanever 8th Jan 18, 8:43 AM
    • 526 Posts
    • 3,606 Thanks
    Betterthanever
    Monday here again! Over the weekend we've done a fair bit (well, it feels like that, anyway!)


    Organisation
    - towels cupboard sorted and all the scratchy worn out ones have been put to other use (for cleaning skis etc) or thrown out.
    - DVDs and CDs sorted and a box ready for ziff!t. Another bag for me to take to the charity shop at lunchtime.
    - one run to the Charity shop and another to the tip complete.
    - 3 more sample size tubes/pots of toiletries emptied. Only another 3458975625 to go!
    - a tin of soup got used from the cupboard (this is a real success!)


    Money
    - £11 ish requested from Pr0lific
    - £38 ish from z!ffit (assuming they accept everything I am sending)
    - supermarket shop was minimal as we continue to eat out of the cupboards and freezers. Quarter pounders with pulled pork and HM sweet potato wedges for dinner tonight. Bagel with pate for lunch. Should be a NSD, as was yesterday.

    That's about it I think - I think we're getting on top of things. It certainly doesn't feel as scary as it might do!


    Have a good week!

    Current balance £112,593.71. Offset £2,677.73. £109,951.98 needed to be mortgage neutral!
    End date - 03/29 but aiming for 10/22 - 2018 O/pay £600
    Make £2018 in £2018 = £406.75/£2018
    Former DFW Nerd 230. Determined to be MF. Bring it on!
    • Betterthanever
    • By Betterthanever 9th Jan 18, 8:28 AM
    • 526 Posts
    • 3,606 Thanks
    Betterthanever
    Another £10 request put in from SB last night, plus a £3 withdrawal from receipt hog....that one has been a slow burner, but I finally got to a payout for really no extra effort, so I'll happily take that.


    85p from shopmium received, plus some more that has been approved and is waiting to reach my bank account. The grocery budget is doing ok this month with that and continuing to eat out of the freezer and the cupboards. I will need to buy a couple of bits at lunchtime, but nothing too expensive, so the good work continues.


    Two more bags of CDs and DVDs for the charity shop, and two more boxes of potentially tradable ones to be sent off to ziff!t. Anything we get from these goes into the bucket list fund. Plus, it all helps with the general decluttering and getting ready to move. Win/win!


    Happy Tuesday everyone!

    Current balance £112,593.71. Offset £2,677.73. £109,951.98 needed to be mortgage neutral!
    End date - 03/29 but aiming for 10/22 - 2018 O/pay £600
    Make £2018 in £2018 = £406.75/£2018
    Former DFW Nerd 230. Determined to be MF. Bring it on!
    • Betterthanever
    • By Betterthanever 12th Jan 18, 1:18 PM
    • 526 Posts
    • 3,606 Thanks
    Betterthanever
    And so another week comes to a close - time is flying by. I am a third of the way through my notice period at work and we are already half way through January!


    We've been busy sorting and clearing in the house. This will continue when DD moves into her own place this weekend and we can have a real move around of furniture , turning her bedroom into a study and spare room and liberating space of bookshelves and printers etc that have been housed elsewhere.


    Moneywise, spends have been relatively low. The freezer is almost empty enough to defrost, the food cupboard stores are still being utilised (not quite at the stage where I am making lentil soup, but not far off it!). Free money still trickles in steadily. I'm been making good use of Shopmium and all the cat food this month has been refunded in full.....Swagbucks is continuing to do me well. I've had £30 from them already this month and almost at another £10, so nice and steady. I'm starting to look more at cashback from casino/gambling sites through TCB etc too, where the cashback available exceeds the deposit required. It's quite a wait to get the cashback through on these, but it seems a reasonable gamble to take, and hopefully there will be future offers in my inbox that I can take advantage of, relatively risk free, from time to time.


    TGI Friday, though - it may be flying by but it is tiring! I think a small G&T may be in order this evening.....happy Friday everyone!

    Current balance £112,593.71. Offset £2,677.73. £109,951.98 needed to be mortgage neutral!
    End date - 03/29 but aiming for 10/22 - 2018 O/pay £600
    Make £2018 in £2018 = £406.75/£2018
    Former DFW Nerd 230. Determined to be MF. Bring it on!
    • beanielou
    • By beanielou 12th Jan 18, 8:29 PM
    • 54,982 Posts
    • 219,469 Thanks
    beanielou
    Have a good weekend both.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • Karmacat
    • By Karmacat 13th Jan 18, 9:20 AM
    • 29,312 Posts
    • 167,824 Thanks
    Karmacat
    Sounds good! You're going to be in a great position when it comes to how you want the new house done
    Retired August 2016
    • Betterthanever
    • By Betterthanever 15th Jan 18, 8:06 AM
    • 526 Posts
    • 3,606 Thanks
    Betterthanever
    Thank you! The weekend flew by, although we got lots done. Most importantly, DD is moved into her new place and did so before the rain arrived - always a help!


    Moneywise I have requested another £10 from SB, and reached £5 payout on shoppix - also requested. I've got £34 approved and on its way from ziff!t for the first bundle of dvds/cds that we sent off from last weekend which will go into the bucket list account.


    Clutterwise, we've continued the big clear out - another box of books for z!ffit, my first listing on ebay for many years, another trip to the tip, and a car boot full of things for the charity shop. It's all coming together!


    And DH and I took some time out from the busy-ness and chaos and managed lunch out on Saturday.


    All in all a good weekend. Now, just to get through the working week.......!!

    Current balance £112,593.71. Offset £2,677.73. £109,951.98 needed to be mortgage neutral!
    End date - 03/29 but aiming for 10/22 - 2018 O/pay £600
    Make £2018 in £2018 = £406.75/£2018
    Former DFW Nerd 230. Determined to be MF. Bring it on!
    • puckishpixie
    • By puckishpixie 16th Jan 18, 6:18 PM
    • 4 Posts
    • 24 Thanks
    puckishpixie
    Hi BetterThanNever

    Just wanted to say thanks. I'd given up on swagbucks but thanks to your tips I've just earnt my first £5.

    Regards
    Pixie
    Mortgage free wannabe 2018 #174 122.70/1000
    Mortgage £110500 Sep 2017, original MF date Sep 2042 must get cracking
    • pinkypig
    • By pinkypig 16th Jan 18, 9:35 PM
    • 1,259 Posts
    • 10,210 Thanks
    pinkypig
    As always I'm in awe of your income generating

    Hope works going OK. Have you started your new job yet? Xx
    • Betterthanever
    • By Betterthanever 17th Jan 18, 6:53 AM
    • 526 Posts
    • 3,606 Thanks
    Betterthanever
    Thanks pixie....stick with it, it is so worth it in my opinion. Another £10 hit my Amazon account last night.

    £50+ has been received from Ziff!t too....with more confirmed as payable, so I'm happy there.

    It's all steadily trickling through and all adds up!

    Pinky.... I have a long notice period so I don't finish until mid march. It's ok, though....we are mega busy and my time there is being well used. I can't wait for the new job, though! I've tried to do a draft budget based on the new salary. It's not exact, of course, but it is most satisfying already!!

    Current balance £112,593.71. Offset £2,677.73. £109,951.98 needed to be mortgage neutral!
    End date - 03/29 but aiming for 10/22 - 2018 O/pay £600
    Make £2018 in £2018 = £406.75/£2018
    Former DFW Nerd 230. Determined to be MF. Bring it on!
    • Betterthanever
    • By Betterthanever 19th Jan 18, 8:10 AM
    • 526 Posts
    • 3,606 Thanks
    Betterthanever
    Friday again already!


    Another £10 has been requested from SB and I received £5 from Instagc yesterday too. Both those go into Amazon vouchers towards bits for the new house and garden.


    I've also had a total of £70.99 from ziffit this week (which goes to bucket list funds), with two more boxes of books sent to them, and £8.03 net profit from an ebay sale (which goes into the general money for nothing pot).


    A standing order for £500 MOP has been set up with effect from the end of this month, so hopefully the figures will start changing considerably between now and when we actually move - seems a little counterproductive if we are looking at increasing the mortgage significantly later in the year in some ways but if I put it in the bank, it wouldn't earn as much as it saves in mortgage interest, so it might as well get that balance down. Regardless of whether it is paid off the mortgage and increasing equity, or going in the cash ISA, it is all money that is not just disappearing into spendy world, so its got to be worthwhile!


    32 more working days until I change jobs. April's payday will be my first full one at the new job so still a while before I really know where we are, but we're getting closer every day!


    Happy Friday everyone!

    Current balance £112,593.71. Offset £2,677.73. £109,951.98 needed to be mortgage neutral!
    End date - 03/29 but aiming for 10/22 - 2018 O/pay £600
    Make £2018 in £2018 = £406.75/£2018
    Former DFW Nerd 230. Determined to be MF. Bring it on!
    • beanielou
    • By beanielou 19th Jan 18, 11:28 AM
    • 54,982 Posts
    • 219,469 Thanks
    beanielou
    Happy Friday to you too
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • Betterthanever
    • By Betterthanever 21st Jan 18, 9:03 AM
    • 526 Posts
    • 3,606 Thanks
    Betterthanever
    Thanks, Beanie. The weekend is flying by. I have plenty I need to be doing and not enough hours in the day to get it all done, or so it seems!

    Yesterday was a football day so £8 spent on drinks - could have been a lot worse. I also requested £5 from swagbucks and got £5 reward from one of my bank accounts.

    Today I need to study, whizz through the house and get the ironing up to date, buy a couple of basics and do a meal plan for next week. DH is at work today so I have no excuses not to focus. Payday is Tuesday which cannot come around quickly enough!

    I also need to get a couple of bits on ebay, and do some more sorting. I am still working my way happily through toiletries etc and get a great deal of satisfaction when a free sample or such thing actually gets used and finished. Little things, eh!!

    Have a good MSE Sunday everyone. Onwards!!

    Current balance £112,593.71. Offset £2,677.73. £109,951.98 needed to be mortgage neutral!
    End date - 03/29 but aiming for 10/22 - 2018 O/pay £600
    Make £2018 in £2018 = £406.75/£2018
    Former DFW Nerd 230. Determined to be MF. Bring it on!
    • Betterthanever
    • By Betterthanever 23rd Jan 18, 5:46 AM
    • 526 Posts
    • 3,606 Thanks
    Betterthanever
    a tot up of last weeks moneymaking activities sees a net total of £201.02 so I am pretty darned chuffed with that. If only it were that easy all the time!

    Payday came a day early so that was very welcome - budgets are done for the month and I have 6 weeks to go before I start my new job.....half way through my notice period, so the end is very much in sight. Very exciting times ahead.

    Decluttering continues. Studying continues. blah blah blah! Hope you are all having a good week so far.

    Current balance £112,593.71. Offset £2,677.73. £109,951.98 needed to be mortgage neutral!
    End date - 03/29 but aiming for 10/22 - 2018 O/pay £600
    Make £2018 in £2018 = £406.75/£2018
    Former DFW Nerd 230. Determined to be MF. Bring it on!
    • Tescodealqueen
    • By Tescodealqueen 23rd Jan 18, 7:09 AM
    • 686 Posts
    • 3,898 Thanks
    Tescodealqueen
    Just stumbled across your thread great to see you back going to read back and catch up. I seem to recall it was you who first pointed me to Memory Girl back in the day. I lurk much more than i post but do keep up with a number of posters from time to time
    • Betterthanever
    • By Betterthanever 23rd Jan 18, 8:33 AM
    • 526 Posts
    • 3,606 Thanks
    Betterthanever
    Hello TDQ! Lovely to see you pop up from lurkdom! I hope you are well. I am still using MG's techniques to help my studying and I have mind maps a-plenty for every subject going!

    Current balance £112,593.71. Offset £2,677.73. £109,951.98 needed to be mortgage neutral!
    End date - 03/29 but aiming for 10/22 - 2018 O/pay £600
    Make £2018 in £2018 = £406.75/£2018
    Former DFW Nerd 230. Determined to be MF. Bring it on!
    • Betterthanever
    • By Betterthanever 25th Jan 18, 9:37 AM
    • 526 Posts
    • 3,606 Thanks
    Betterthanever
    Almost at the end of January, and the first month of the year dealt with quite satisfactorily!


    Another £5 received from SB, £5.09 from attapoll, and £19.40 from ziffit. The amounts continue steadily, and are definitely making a difference over time.


    I'm also fully committed to "operation pencil skirt" - I have some amazing new stuff to wear for the new job, but I've gained rather more in the booty dept over the winter weeks than my skirts would like.......so now that I am no longer simply making meals with whatever (generally carby) stuff is in the cupboards and the freezer, and able to plan and shop from scratch again, I am back in control.....I just need to stay in control of the shopping budget alongside it and all will be well!

    Current balance £112,593.71. Offset £2,677.73. £109,951.98 needed to be mortgage neutral!
    End date - 03/29 but aiming for 10/22 - 2018 O/pay £600
    Make £2018 in £2018 = £406.75/£2018
    Former DFW Nerd 230. Determined to be MF. Bring it on!
    • beanielou
    • By beanielou 26th Jan 18, 7:50 PM
    • 54,982 Posts
    • 219,469 Thanks
    beanielou
    Cant wait to hear about the new job when you can
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
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