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  • FIRST POST
    • Busy Mee1
    • By Busy Mee1 2nd Apr 18, 12:22 PM
    • 675Posts
    • 3,028Thanks
    Busy Mee1
    Busy Mee's Last Leg
    • #1
    • 2nd Apr 18, 12:22 PM
    Busy Mee's Last Leg 2nd Apr 18 at 12:22 PM
    Our Story
    We are me, Mr Mee and two grown up children ( one daughter living at home and one son who moved out last year). Mr Mee and I have been married for around a hundred years

    On the whole we have been quite good with money, having periods of our marriage when we have been very poor. We started with nothing and a mortgage interest rate of 13%, we then had little Mee's and had expensive child care costs ( no family nearby) and then supported them both through 7 years of university.

    We have also had very good years financially, Mr Mee and I both work in the public sector and over the years have both worked our way up to senior positions. We have always stretched ourselves to buy the most expensive house we could afford and added value where we could.

    However aound 9 years ago we decided to build our own house...cue the most stressful and scary financial period of our lives You have all watched the programmes on the TV and know how this goes, the plans get bigger, the bills get bigger, we mortgaged up to the hilt and borrowed as much money as we could on 0% credit cards and a bank loan. We even borrowed the kids savings.

    Thankfully we managed to get all the debt paid off and we now just have our mortgage which currently stands at a still eye watering 238,491.35.

    We are lucky in that we have a great mortgage product and pay just 1.19% (0.69% lifetime tracker). We have been therefore saving hard in higher interest savings accounts to offset the mortgage. We currently have 65k saved ( I love round numbers

    We feel very fortunate in that we have a house we love, built to our specification and our children are both doing well and financially independent.

    Mr Mee will retire in 2 years time ( he will be 60) and I would like the choice to retire too ( I will be 56).

    This diary will hopefully help me to focus over the next 2 years, and save as much as we can to offset the mortgage, along with some of our pension lump sums. We would like to keep the house, although downsizing is an option.

    We also love to travel ( we couldn't afford to when we were young) and don't want to wait until we retire. We therefore live very frugally on a day to day basis to be able to afford trips away, in addition to saving

    So......24 months until retirement.......that is a scary, yet exciting prospect so better better get started
Page 6
    • beanielou
    • By beanielou 6th Aug 18, 11:09 AM
    • 56,269 Posts
    • 227,662 Thanks
    beanielou
    Love the Lidl weekend savers! Especially the non perishables. It's possible I once combined a weekend saver deal and s random ten pound note I found while tidying to buy 18 months of dishwasher tablets...but if anyone tells my hub this I will deny it strongly. The spare boxes are very well hidden !!!128514;.
    Originally posted by katsoocam
    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. MFW 2018. No 144
    • katsoocam
    • By katsoocam 6th Aug 18, 12:22 PM
    • 86 Posts
    • 236 Thanks
    katsoocam
    I love the Lidl weekend savers too katsoocam and stock up with anything we use. It really helps with the budget. I could do with washing tablets and teabags being on offer again soon.
    Is muesli for us next weekend.
    Originally posted by Busy Mee1
    Quite like that bacon, we have run out of cereal though so may get muesli too.
    • Busy Mee1
    • By Busy Mee1 13th Aug 18, 3:35 PM
    • 675 Posts
    • 3,028 Thanks
    Busy Mee1
    Monday
    A quick check in following a lovely weekend away.

    We finished work slightly early on Friday afternoon so that we could drive to some friends and arrive Friday night and then have the whole day Saturday and most of Sunday away. We had an Indian on Friday night and then a glorious day on the beach and a BBQ on Saturday. The weather was perfect despite rain being forecast.

    It felt like we were away ages and it was a really good break. Consequently I feel like I have bags of energy today and have got loads done.

    We are into the second week of a two week shop and so I need to be creative this week. I have hard boiled eggs for sandwich fillings this week and also been blackberry picking to make compote for my overnight oats as we have run out of soft fruit.....it doesn't get more MSE than that .

    Unfortunately I have three loads of washing on the line and the heavens have just opened and it is bucketing down. I will not been using the tumble drier through, the last time I used it was April and I am determined not to put it on again until at least October

    I am starting to clear out DS's old bedroom to turn it into a guest bedroom, but I need him to come and sort out all the flotsam that he didn't take when he left home. I think there will be lots of stuff off to the charity shop.
    • themadvix
    • By themadvix 13th Aug 18, 5:05 PM
    • 1,858 Posts
    • 10,725 Thanks
    themadvix
    Sounds like a lovely break and just what you needed!

    Loving the blackberry compote - I must get out and get picking!
    OPs 2018 = 2090
    Moving savings = 2557
    OPs 2017 = 3103
    Starting balance 2012: 132000; balance Jul 2018: 91,552
    MFW2018 no. 38
    • beanielou
    • By beanielou 13th Aug 18, 6:18 PM
    • 56,269 Posts
    • 227,662 Thanks
    beanielou
    Glad that you had a lovely break
    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. MFW 2018. No 144
    • pinkypig
    • By pinkypig 18th Aug 18, 7:18 AM
    • 1,331 Posts
    • 10,599 Thanks
    pinkypig
    Glad you had a good break Busy, you'll have been ready for it!

    Good luck with your creative cooking week - it's very satisfying to make something out of nothing, not to mention clearing out the cupboards and the freezer! Saves a fortune as well
    MFW 2018 #157 Target 15,000

    13,099.94/15,000
    • Busy Mee1
    • By Busy Mee1 20th Aug 18, 8:20 AM
    • 675 Posts
    • 3,028 Thanks
    Busy Mee1
    Monday again
    Gosh these weekends go quickly !

    I have had a very productive few days, in fact I have barely stopped but feel like I have made progress in a few areas.

    We have had some rather alarming cracks appear in the wall of our house, that have caused me to worry a lot ( I have gold medals in worrying and this was keeping me awake at night).I had rather hoped Mr Mee would sort this out but unfortunately he is not life's problem solvers and I decided on Friday that I needed to get a grip and sort it out. I rang our builder, who happened to be between jobs.....he came within an hour, looked at it and said there was nothing to worry about. Just caused by the extremely dry weather and he got his "lad" to repoint it..........just like that . I was expecting him to charge me a couple of hundred quid but he wouldn't take any money and just said to get him a crate of beer Hopefully that will sort it out and I am feeling very relieved.

    I was up and out early on Saturday morning with DD, and called to Lidl to pick up their weekend deals (washing tablets, grated cheese and kitchen roll ) It was perfect timing as we were on our last box of washing tablets. We then called to @sda to buy wine (6 bottles 25% off). We have been running down our stock of wine for ages now ( Mr Mee used to be in a wine club and bought more than we could drink) and we finally got to the end of it ( it has been tough people ) Anyway I opened our last bottle of red on Friday so time to stock up again. I will charge this to our entertainment budget I think, rather than to groceries.

    I then went shopping with DD and ended up being 25.00 better off ( a dress she returned that I had paid for on my card).

    We were back home for 10.45 and I cleaned all the bathrooms before visiting the outlaws.

    We did end up ordering a Chinese takeaway on Saturday night (13.00) but we find the portions too large and I froze the leftovers for another night.

    It was grocery shopping yesterday and I was really pleased that our spend was well within budget despite not shopping for two weeks. Once again I found that the second week of a two week shop was quite illuminating. I realised that vegetarian sandwich filling (eggs and salad) are cheaper than cooked meat.

    The blackberry compote was luvvery on the overnight oats, so need to get picking some more...free fruit what is not to like.

    I also used up some half price meat balls, made a tomato sauce and used 20p value spaghetti. This was delicious and reminded me that spaghetti is a much cheaper than shaped pasta.

    Yesterday afternoon I started to tackle DS's room and now have 5 bin bags of stuff to take to the charity shop and one bag full of rubbish. I now need to get him to come and pick up what is left.

    I discovered the base of his bed is broken (I am not going to ask ), so after a bit of research I have ordered another from JL. A bargain 70 for a white metal bedframe which has great reviews, so hopefully it will be good for the money. I also bought two birthday gifts from JL and used my free 10 ICE voucher

    I think that is all...I am working from home today so better go and get myself logged on
    Last edited by Busy Mee1; Today at 9:13 AM.
    • Christina F
    • By Christina F 20th Aug 18, 9:49 PM
    • 398 Posts
    • 625 Thanks
    Christina F
    Please can I ask for the recipe for the blackberry compote ?

    Thanks
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