Tuesday, 11 June 2013

Under £100k

I'm still here..slowly chipping away at the mortgage.  Pleased to say we are now sub £100k.  That feels good!

In other news, have started crocheting (mixed results, photos to follow), had a go at stained glass making (wonderful!), made a dress (slightly wonky) and have got my reading mojo back!


Tuesday, 29 January 2013

Another mortgage payment

As we draw ever closer to getting our mortgage under £100k, I made another overpayment today.  Just £1,144 to go until we reach five figures!

I'll have to think about another goal to set myself once I achieve this one!


Monday, 21 January 2013

Well that was 2012

Well, I've started back at work full-time.  It's not too bad and the money is always welcome!

We managed to pay £8,683 off the mortgage and as of the 1st Jan we have £102,000 left outstanding on the mortgage.

I'm dedicating 2013 to two things and two things only.

  1. Paying £10,000 off our mortgage (and finding a great new deal when our fixed rate ends in December)
  2. Finally getting rid of the baby weight and getting myself a BMI that is normal (I've just gone from obese to overweight since Christmas)
I think that is enough to be getting on with.  Just keeping on top of the washing and ironing while working full time and looking after a toddler is exhausting!


Tuesday, 28 August 2012

Student Loan - GONE!

After 11 years of diligently paying my student loan through my salary every month I have finally made the final payment of £500.33!  Feels great to finally be rid of it, although I'm aware that the interest rates are more or less peanuts.  Can focus my efforts on the mortgage now...yipee


Friday, 24 August 2012

Monthly food budget

As part of our new, mortgage busting budget I have set the food budget element at £250 to include food, drink, toiletries, cleaning stuff and pet food (for two cats).  I have been refining the way I tackle the monthly shopping as it is a million times more difficult with a little one to consider.  What is working for us at the moment is this:

  • One large online shop to include all the essentials to last the month.  Using mysupermarket.co.uk the cheapest supermarket for us has been ASDA for the last two months.
  • Weekly (ish) top up shops usually from Morrisons or Lidl depending what we need.
This month the 'big shop' cost £144 and I've done one top up shop at Lidl which was £13.  I'm happy that with three weeks left I've got £93 and fairly full cupboards!  Hopefully I can keep up the good work when I'm back at work (5 weeks left...) as the meal planning can be a little time consuming.


Wednesday, 22 August 2012

Going to try making one of these...

We are going to a christening in a couple of weeks and staying overnight in a small cottage.  I didn't want to lug our large plastic high chair around so I started to investigate the possibility of making a fabric high chair that would attach to any normal chair.

I've seen a few of these around but they cost about £15 upwards so my mind began to whirr and I knew I could make my own from the stash of fabric I already had.

I found this wonderful tutorial on this fabulous website.  Just need to find the time to make it now!


Sunday, 19 August 2012

You give with one hand...

No sooner do I 'free up' about £100 of my pre-tax salary as I'm now paying my student loan direct than I get a reminder from work about paying the new work place parking levy.  It is almost £30 a month to park at work.  I've got no choice but to pay it with dropping off and collecting Little J.