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  • FIRST POST
    • JAMIEDODGER
    • By JAMIEDODGER 28th Jan 18, 2:02 PM
    • 4,271Posts
    • 18,674Thanks
    JAMIEDODGER
    A little home to call my own
    • #1
    • 28th Jan 18, 2:02 PM
    A little home to call my own 28th Jan 18 at 2:02 PM
    Hi all, I hope no-one minds me starting a new thread on MFW

    A bit about me: I am a full-time working mum just approaching her 45th birthday (how did that happen?) I currently live in a housing association house with my four kids ages 13-21. One is moving out this year and another is planning to move out in 2020 (I am sure the rest will be following suit a few years later).

    I have no debt at all I am currently saving a fair whack per month, a big percentage of which goes straight in my pension. I have just started saving towards a house. I will never be able to afford to buy a house where I currently live (south coast - a tiny one bed flat here is 130k minimum) and so I am looking to move to a low cost of living area somewhere in the UK

    I am quite fortunate that I work in care and there are jobs everywhere so I am not forced to look in one particular area, so will be setting my sights on somewhere up north or perhaps Wales, not really sure as yet. I will be looking for a small 2 bed terraced house, not fussed about a garden as such, quite happy with a yard.

    Travel features pretty heavily in my future plans, so the potential to rent it out maybe while I do some slow travel could be on the cards too.

    My goal is pretty huge, for me anyway. I am going to aim to save £50000 within the next 6 years (£45k, plus £5k fees/costs etc). This is to buy a house outright in cash, so effectively by-passing the mortgage completely (so instead of saving to get a mortgage, I will be saving to be mortgage free) I am not adverse to buying a fixer-upper as I have plenty of skills in that area, there is also the potential to buy at auction. This is my starting target, which I will adjust as necessary as time goes on (house price increases etc)

    The aim is to put away £625 (minimum) each month for the next 6 years by savvy spending and doing all the usual stuff (cashback, ebay, coupons, stoozing, grocery challenge and many more...) while still paying a decent amount into my pension.

    Once I have bought a place, then I will be chucking everything into my pension so I can retire as early as possible.

    The kids are all behind me on this, and those that are working have their own healthy pots of savings and dreams of their own Those that are not yet working still have savings too, and none of my kids has any debt, or any intention to get any (proud mum moment).

    So anyhoo, feel free to comment and follow my journey to a little home of my own as a mortgage free wanabee (just not in the conventional sense)

    JD x
    #82 12k in 2018 - £3473.45/£12000 - 28.95%
    Retirement Fund £10850.02/£250000 - 4.34%
    House Fund £2679.13/£50000 - 5.36%
    Travel Fund £199.49/£2500 - 7.98%
Page 4
    • JAMIEDODGER
    • By JAMIEDODGER 9th Feb 18, 5:48 AM
    • 4,271 Posts
    • 18,674 Thanks
    JAMIEDODGER
    Last push this morning then at 2pm I am officially on holiday for 9 days

    96p TT and 35p interest this morning added to the house fund Only another week to go until payday, then I can make my big payment of the month which should take me nearer to £2K At this point, I think I will come in at about £45 short of that target, so I really need to be thinking of a way to make up that shortfall.

    My overall minimum target for 2018 is £8340 (including interest) and I am already 18% of the way there, so I think I will be able to achieve that

    I am off out tonight to see my best friend and to have a takeaway and some wine I will have to pay for a taxi, but it is too far to walk plus I am zero tolerance on alcohol and driving, so small price to pay for keeping the roads safe

    Tesco delivery came last night, and they substituted a load of stuff I didn't want, so £10 to come back from that order. Now I will have to make an extra trip to pick up the stuff I needed . This can wait until tomorrow as I think I will pop to Lidl first thing to stock up on meat for the remainder of the month, so can tie in a trip to Tesco to pick up those things needed

    I am currently finalising the menu plan for the rest of Feb. While I am off, I want to have a big cook up and prepare for the coming six weeks until I have two weeks off at Easter If I prepare more now, it should help to save a lot of money next month on groceries

    Share purchase day today for my SIPP. All looks good to pick up more shares for my money as the markets have taken a big dip this week. Not great for some unfortunately, but good for my pension. Last month my shares were at an all time high, and I bought at the top, so it's swings and roundabouts and I shall enjoy taking advantage of the drop this month

    Right, must get DS3 up for school. DD is on inset day and DS2 finished college yesterday until after half term. Everyone is looking forward to the rest from the end of today

    JD x
    #82 12k in 2018 - £3473.45/£12000 - 28.95%
    Retirement Fund £10850.02/£250000 - 4.34%
    House Fund £2679.13/£50000 - 5.36%
    Travel Fund £199.49/£2500 - 7.98%
    • beanielou
    • By beanielou 9th Feb 18, 3:48 PM
    • 52,729 Posts
    • 207,135 Thanks
    beanielou
    Happy holidays
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 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.
    • JAMIEDODGER
    • By JAMIEDODGER 9th Feb 18, 5:01 PM
    • 4,271 Posts
    • 18,674 Thanks
    JAMIEDODGER
    Thanks Beanielou

    Shift went quite quickly this morning, then I came home and had a nice nap Been vegging on sofa drinking tea and browsing the net ever since I am now officially on holiday

    Must get motivated as I am going out around 6ish!

    Share purchase went through today and managed to pick up another load of shares at a much lower price, so very happy

    RM tried to deliver a parcel while I was at work, no-one heard the door so I shall have to have it re-delivered, will add that to this weeks to do list, but for tonight, I am not going to think about to do lists or anything else, I am just going to enjoy a lovely evening with my bestie with some good food and wine

    JD x
    #82 12k in 2018 - £3473.45/£12000 - 28.95%
    Retirement Fund £10850.02/£250000 - 4.34%
    House Fund £2679.13/£50000 - 5.36%
    Travel Fund £199.49/£2500 - 7.98%
    • JAMIEDODGER
    • By JAMIEDODGER 10th Feb 18, 4:39 AM
    • 4,271 Posts
    • 18,674 Thanks
    JAMIEDODGER
    Can't seem to sleep Woke up at 3am and can't get back to sleep. Will try again around 5ish and hopefully get in a nap later today to catch up on sleep lost.

    Had a lovely time with bestie last night. Takeaway was yum, but the company was even better Worth every penny spent

    £100 sent to savings this morning, along with a small TT, money also sent over to savings for vouchers used this week of £4.40 for petrol (10p a litre off) and £15 in Tesco vouchers, taking my house fund to £1623.49 which is now 3.25% of total needed

    My 2k target for Feb is in reach I have a further payment of £325 to make this month, taking the total needed to £51.51, I am expecting around £13 in TT's, cashback from TSB of £10 which takes me to £28.51 to find over the next 18 days I am pretty sure I can achieve this if I set my mind to it

    Ongoing to do list:

    Finalise decision/date where to go with voucher from xmas
    Txt carer to confirm dates for Easter break
    Deal with the large medium pile of paperwork on my desk - its a work in progress
    Collect pet meds
    Take paperwork into council office re: council tax
    Do meter readings
    Buy retirement card for DS3 school transport driver
    Firm up meal plan for remainder of Feb
    Lidl meat shop
    Pick up toiletries/kitchen supplies from HB
    Collect parcel from post office or arrange re-delivery
    Visit my sister
    Take DS3 to shop to spend his pennies
    Pay for eBay purchase
    Write mum's birthday card
    Buy gift for mum's birthday (bargain order now cancelled by seller)
    Do fridge stock take
    Wash DD blazer
    Get up to date on washing
    Cook curry in slow cooker for dinner
    Buy March's birthday cards

    That seems plenty to be going on with today
    Last edited by JAMIEDODGER; 10-02-2018 at 4:45 AM.
    #82 12k in 2018 - £3473.45/£12000 - 28.95%
    Retirement Fund £10850.02/£250000 - 4.34%
    House Fund £2679.13/£50000 - 5.36%
    Travel Fund £199.49/£2500 - 7.98%
    • greent
    • By greent 10th Feb 18, 7:43 AM
    • 6,911 Posts
    • 70,734 Thanks
    greent
    That's a massive list! - good luck! x
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/10 £104927 01/11 £89873 01/12 £76317 01/13 £52546 01/14 £35356 01/15 £12133 07/15 £NIL
    BTL Mtge 12/16 £69786. 2018 OPs (#18) £577.06/£4000
    Net sales 2018 £362.51/£1000 PAYDOX18 (#15) £12808.40/£18694.38
    • JAMIEDODGER
    • By JAMIEDODGER 10th Feb 18, 9:36 AM
    • 4,271 Posts
    • 18,674 Thanks
    JAMIEDODGER
    That's a massive list! - good luck! x
    Originally posted by greent
    I know but luckily, it hasn't all got to be done today
    #82 12k in 2018 - £3473.45/£12000 - 28.95%
    Retirement Fund £10850.02/£250000 - 4.34%
    House Fund £2679.13/£50000 - 5.36%
    Travel Fund £199.49/£2500 - 7.98%
    • JAMIEDODGER
    • By JAMIEDODGER 10th Feb 18, 9:45 AM
    • 4,271 Posts
    • 18,674 Thanks
    JAMIEDODGER
    Posting to keep myself on track

    Ongoing to do list:

    Finalise decision/date where to go with voucher from xmas
    Txt carer to confirm dates for Easter break
    Deal with the medium pile of paperwork on my desk
    Collect pet meds
    Take paperwork into council office re: council tax
    Do meter readings
    Buy retirement card for DS3 school transport driver
    Firm up meal plan for remainder of Feb
    Lidl meat shop
    Pick up toiletries/kitchen supplies from HB
    Collect parcel from post office or arrange re-delivery
    Visit my sister
    Take DS3 to shop to spend his pennies
    Pay for eBay purchase
    Write mum's birthday card
    Buy gift for mum's birthday (bargain order now cancelled by seller)
    Do fridge stock take
    Wash DD blazer
    Get up to date on washing
    Cook curry in slow cooker for dinner decided to delay as needed to use up a few things first
    Buy March's birthday cards
    #82 12k in 2018 - £3473.45/£12000 - 28.95%
    Retirement Fund £10850.02/£250000 - 4.34%
    House Fund £2679.13/£50000 - 5.36%
    Travel Fund £199.49/£2500 - 7.98%
    • beanielou
    • By beanielou 10th Feb 18, 2:25 PM
    • 52,729 Posts
    • 207,135 Thanks
    beanielou
    That is a massive list!
    Great going on the savings
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 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.
    • JAMIEDODGER
    • By JAMIEDODGER 10th Feb 18, 8:03 PM
    • 4,271 Posts
    • 18,674 Thanks
    JAMIEDODGER
    That is a massive list!
    Great going on the savings
    Originally posted by beanielou
    Thanks Beanielou

    Just booked a little trip away for mine and BF birthday. Staying on a narrowboat
    #82 12k in 2018 - £3473.45/£12000 - 28.95%
    Retirement Fund £10850.02/£250000 - 4.34%
    House Fund £2679.13/£50000 - 5.36%
    Travel Fund £199.49/£2500 - 7.98%
    • JAMIEDODGER
    • By JAMIEDODGER 11th Feb 18, 6:33 AM
    • 4,271 Posts
    • 18,674 Thanks
    JAMIEDODGER
    22p TT this morning. Signature updated. The total is s l o w l y creeping upward

    I was really struggling to find a hotel in the area we wanted with the one night away voucher my parents bought us for Christmas, so in the end I booked airbnb over Easter (we paid for an extra night away instead of buying birthday presents for each other), and will use the voucher to purchase our meals out while away (buyagift.com voucher). We will be staying in a lovely little narrowboat just outside London, and will travel into the city to do the whole tourist thing. Must get cracking on finding free/cheap things to do

    Ongoing to do list:

    Deal with the medium pile of paperwork on my desk
    Collect pet meds
    Take paperwork into council office re: council tax
    Do meter readings
    Buy retirement card for DS3 school transport driver
    Collect parcel from post office or arrange re-delivery
    Write mum's birthday card
    Buy gift for mum's birthday
    Wash DD blazer
    Buy March's birthday cards
    Fill in forms for mum & dad
    Finalise pension transfer
    Call HA to fix toilet issue
    Fold and put away all laundry
    Ironing
    Dog walk
    Gammon in slow cooker for dinner
    Cook roast
    Back up mac
    Dog flea treatment
    Find out balance on oyster card
    Plan ways to make the extra £30 savings needed for Feb

    I have managed to clear quite a bit of the list from yesterday, however have now added to it again, such is life

    The menu plan is now up on the kitchen door. This takes us until the end of Feb and will help to use up some of the stock I have. Lidl shop was successful, bought all the meat needed to complete the menu plan. I have a small list started with a few bits for a Tesco order this week, which are also needed to complete the plan. But looking at what I have spent this month so far, plus what I estimate I still need to buy, I think I will come well under budget again

    There are no special plans today, just a stay at home day, so I shall spend some time on paperwork and work on my to do list this morning then take the dog on a nice long walk this afternoon

    JD x
    Last edited by JAMIEDODGER; 11-02-2018 at 7:30 AM.
    #82 12k in 2018 - £3473.45/£12000 - 28.95%
    Retirement Fund £10850.02/£250000 - 4.34%
    House Fund £2679.13/£50000 - 5.36%
    Travel Fund £199.49/£2500 - 7.98%
    • JAMIEDODGER
    • By JAMIEDODGER 11th Feb 18, 8:32 AM
    • 4,271 Posts
    • 18,674 Thanks
    JAMIEDODGER
    Just updated meter readings and I have a £70 refund to come from Scottish Power. Will add to savings as soon as it hits bank account. I do believe I will hit my 2k house fund target for Feb now

    I also discovered £11.70 on my oyster card so won't have to add too much to that for our Easter trip
    #82 12k in 2018 - £3473.45/£12000 - 28.95%
    Retirement Fund £10850.02/£250000 - 4.34%
    House Fund £2679.13/£50000 - 5.36%
    Travel Fund £199.49/£2500 - 7.98%
    • beanielou
    • By beanielou 11th Feb 18, 9:36 AM
    • 52,729 Posts
    • 207,135 Thanks
    beanielou
    Good news on refund from Scabby Power.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 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.
    • JAMIEDODGER
    • By JAMIEDODGER 11th Feb 18, 11:52 AM
    • 4,271 Posts
    • 18,674 Thanks
    JAMIEDODGER
    Thanks Beanielou

    I've had a productive morning so far And I have also listed something on eBay Fingers crossed it will sell
    #82 12k in 2018 - £3473.45/£12000 - 28.95%
    Retirement Fund £10850.02/£250000 - 4.34%
    House Fund £2679.13/£50000 - 5.36%
    Travel Fund £199.49/£2500 - 7.98%
    • newgirly
    • By newgirly 11th Feb 18, 1:13 PM
    • 6,222 Posts
    • 42,956 Thanks
    newgirly
    [QUOTE=JAMIEDODGER;73851031]Hey NG I've never been before, and am super excited!!! All I would like to know is what is an absolute must see? If you could recommend one thing there, what would it be?

    Hi JD, I can't lie ALL of it is must see it's mainly in two separate sections with a small outside area in between, plus also obviously hogwarts express part. Once you go through the first section you are not supposed to go back. I usually aim to get in about 10am, do the first section wihich has a huge good indoor picnic area at the end and have lunch (they also do hot food now which looked good and was quick while you wait style) plus there's a butter beer bar.

    The best part is the last display which you may have seen online (if you haven't don't look as it's a stunning surprise!) shops great but busy and obviously £££ chocolate frogs are usually bought by my dd £8

    The displays change regularly, but some are there all the time. Although the big stuff is impressive sometimes the tiny little details are what makes it, for example the oil paintings used are all of behind the scenes staff!

    Our business did some work on some books in the chamber of secrets film (gilderoy lockharts) they are in one of the shop windows in diagon alley, flourish and blots I believe
    MFW 21
    Target for 2018 £40k/£9,626 paid so far

    Mortgage £39,159.44 -4yrs 2 mths left. Total owed £52,364 plan to clear in 14 months
    • JAMIEDODGER
    • By JAMIEDODGER 11th Feb 18, 2:05 PM
    • 4,271 Posts
    • 18,674 Thanks
    JAMIEDODGER
    NG - sounds fab!! I know I will take loads of photos!! I really haven't seen anything online and I love surpises so haven't looked either
    #82 12k in 2018 - £3473.45/£12000 - 28.95%
    Retirement Fund £10850.02/£250000 - 4.34%
    House Fund £2679.13/£50000 - 5.36%
    Travel Fund £199.49/£2500 - 7.98%
    • JAMIEDODGER
    • By JAMIEDODGER 12th Feb 18, 6:29 AM
    • 4,271 Posts
    • 18,674 Thanks
    JAMIEDODGER
    A small TT this morning bringing my total to £1624.33

    Ongoing List

    Deal with the medium pile of paperwork on my desk
    Collect pet meds
    Take paperwork into council office re: council tax
    Buy retirement card for DS3 school transport driver
    Collect parcel from post office
    Buy gift for mum's birthday
    Buy March's birthday/motherís day cards
    Fill in forms for mum & dad
    Finalise pension transfer
    Call HA to fix toilet issue
    Ironing
    Back up mac
    PC delivery
    Dog Grooming 9am
    Haircuts 3.30pm
    Rebook holiday accom for easter

    Lots to get done today Banking is already completed, just waiting for the £70 refund from SP to arrive then I can transfer that over to the savings pot

    Rubbish news, the person has not confirmed our airbnb within the allotted time so therefore our booking has been cancelled I now need to find another place to stay during Easter so will get cracking with that this morning.

    Chicken and ham pie tonight made from leftovers from yesterdays roast, it's one of the kids favourites so always goes down well

    As per the list, the dog is due a grooming this morning and DS1 and I are having our haircuts this afternoon. We have a lovely girl that comes to the house and will do everyones hair, but DS2&3 and DD declined this time. DS3 is growing a 'manbun' so won't let anyone near his, DS2 had his done recently at a barbers and DD is refusing until I let her have it cut short

    I am also waiting for DD computer delivery, which my parents bought for her. They should send me a one hour time slot this morning then I will be able to work in the rest of today's jobs. The plan is to have most of my ongoing list completed by wednesday morning so the rest of my holidays are free

    JD x
    #82 12k in 2018 - £3473.45/£12000 - 28.95%
    Retirement Fund £10850.02/£250000 - 4.34%
    House Fund £2679.13/£50000 - 5.36%
    Travel Fund £199.49/£2500 - 7.98%
    • JAMIEDODGER
    • By JAMIEDODGER 12th Feb 18, 4:49 PM
    • 4,271 Posts
    • 18,674 Thanks
    JAMIEDODGER
    A pretty productive day again

    Dog is groomed and me and DS1 have had a haircut. DD computer has arrived which DS1&2 set up for her.

    I also managed to book us a airbnb place in London for the dates we wanted, and transfer our getaway vouchers into a 3 course meal at Zizzi and a 2 course meal at Planet Hollywood for while we are away Should receive new vouchers through the post in a few days.

    Plumber from our HA came round this morning to fix the issue with the toilet and I have managed to do over 10k steps today My ongoing list is getting smaller

    I have switched tonights meal with tomorrow, so we are now having curry with mini naans

    Will try and get through the ironing tonight while watching Netflix and binging on travel blogs
    #82 12k in 2018 - £3473.45/£12000 - 28.95%
    Retirement Fund £10850.02/£250000 - 4.34%
    House Fund £2679.13/£50000 - 5.36%
    Travel Fund £199.49/£2500 - 7.98%
    • beanielou
    • By beanielou 12th Feb 18, 5:51 PM
    • 52,729 Posts
    • 207,135 Thanks
    beanielou
    You have had a busy & productive day today.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 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.
    • JAMIEDODGER
    • By JAMIEDODGER 12th Feb 18, 7:44 PM
    • 4,271 Posts
    • 18,674 Thanks
    JAMIEDODGER
    You have had a busy & productive day today.
    Originally posted by beanielou
    But I still squeezed in a nap. All work and no play...
    #82 12k in 2018 - £3473.45/£12000 - 28.95%
    Retirement Fund £10850.02/£250000 - 4.34%
    House Fund £2679.13/£50000 - 5.36%
    Travel Fund £199.49/£2500 - 7.98%
    • JAMIEDODGER
    • By JAMIEDODGER 13th Feb 18, 4:12 AM
    • 4,271 Posts
    • 18,674 Thanks
    JAMIEDODGER
    Another very early start for me today I just can't seem to sleep properly at the moment.

    Sent across another £100 this morning plus a small TT pushing the total to £1725.96 It is getting nearer my 2k goal for Feb

    I still have another £225 to pay into savings on payday (3 days to go) plus will be adding in the £10 from TSB when that arrives next week, and the £70 from Scottish Power refund, so I know I am going to hit that target this month, in fact, I will go over

    Bank account is starting to look particularly sparse as this point in the month. I could have waited to send todays £100 over but I have no patience

    Going out for lunch with DSD1 and DGC today, taking DS3 with me as he wants to see his sister. Hoping to chop a few things off the list as I will be in town, I will have to go back in tomorrow as there wont be enough time to do all the jobs in one day.

    The list:

    Collect pet meds
    Take paperwork into council office re: council tax
    Buy retirement card for DS3 school transport driver
    Collect parcel from post office
    Buy gift for mum's birthday
    Buy March's birthday/motherís day cards
    Fill in forms for mum & dad
    Finalise pension transfer
    Ironing
    Back up mac
    Lunch with DSD

    I am plainly procrastinating about the ironing as I always seem to find something better to do with my time

    My holiday is going so fast, I want to get these jobs done so I can at least relax for the latter part of my time off!

    Hoping to fit a nap in today...somewhere...

    JD x
    #82 12k in 2018 - £3473.45/£12000 - 28.95%
    Retirement Fund £10850.02/£250000 - 4.34%
    House Fund £2679.13/£50000 - 5.36%
    Travel Fund £199.49/£2500 - 7.98%
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