Hi Everyone!
Mr Sft got paid today so we can deduct another £522 from our remaining mortgage bringing it down to:
£9059
We are so pleased. The £59 would be great to find but we will have to see how the month turns out.
Our Mortgage Projections now look like this:
June-Pay off £1264 leaves 7795
July-Pay off £1264 leaves 6531
August-Pay off £1264 leaves£5267
September-Pay off £1264 leaves £4003
October-Pay off £1264 leaves 2739
November-Pay off 1264 leaves 1475
December-Pay off £1475=Mortgage Freedom!
£50 Cash on the Side
It does make sense to put this money towards the mortgage but Japan just seems more fun!
Am I being irresponsible here :)
Mr Sft was paid another £15 for IT work today so that makes £30 so far.
Our ebay status hasn't changed, except I've lost a watcher on one item :(
Has anyone else made a bit on the side today?
Eating from the Freezer/Storecupboard
Nothing needed from freezer today as Mr Sft is off to have dinner with his parents.
Todays Food:
Breakfast: Porridge-forgot to put raisins in it! Will try tomorrow to get another 1 of my 5 a day! TeaSnacks: 3 biscuits (1 too many), banana, orange and raisins
Free School Lunch: Vegetarian Mince and Dumplings, mashed potatoes and cabbage. Satsuma for dessert.
Supper: Boiled Egg 1 slice of homemade toast, butter on half, homemade mixed fruit jelly on other
5 a day-Banana/Orange/Cabbage/Satsuma/Raisins
Sft x
Thank you for your lovely comments about yesterday's post:
A Blessed Life: It would be lovely if you could join the bit on the side challenge! Hope you find some treasures to put on Ebay at the weekend.
Kitchenbunny: I have to say eating 5 of a day means making a conscious effort on my part. Today was not easy! Eating fruit snacks certainly helps.
It's great that you have a fruit bowl at work! We only have biscuits in the staff room which is a shame, still the wonderful lunches more than makes up for it.
Jane and Chris: Thanks for getting the recipe.
Gotthisfar: You are so organised with your 5 a day!
I used to start each morning with water and lemon. Might return to that. Thanks.
Definitely going to put raisins in our porridge tomorrow.
It's great that you get a fruit bowl at work-definitely an incentive to get in earlier.
I would love to hear more about your savings and budget intentions. I find blog support invaluable!
I've signed up to yours by the way.
BeckyBee: Glad you've joined up to the Cash on the Side challenge. Good Luck!
PiecebyPiece: Wow! $35 is an amazing start to the challenge.Orange juice is a great idea for a 5 a day. Thanks.
What a lovely neighbour you have-Rhubard crumble is lovely.
Sandra: Did struggle a bit with my 5 a day today-I think having salad for lunch helps get 3 in.
I don't think Mr Sft would give up processed meat for good. But I will definitely limit him next month. Would rather he ate smaller portions.
Looking forward to seeing your side bar.
Sue: Not sure if it's possible to eat too much veg! I think 9 portions is amazing.
Thanks for joining the Cash on the Side challenge.
Also good luck with eating from freezer and cupboards-we are pretty good at only buying what we need too.
Cheapchick: Mr Sft sounds like a brother of your hubby. He eats anything too!
Wean: Looking forward to reading your stand alone page.
Jo: Yes, definitely going to get some orange juice, such an easy one of my 5 a day. Your family sounds very healthy eating theirs every day. I do worry about Mr Sft not getting enough.
MabelandMaisy: Looking forward to seeing your progress bar up and running.
The Smiths: You must get the prize for your 10 a day eating. It always looks so delicious and your body must love you for it! Freegans have my full support. I couldn't get a hoot whether they have money or not, I just applaud them for not wasting precious food when there are people starving in the world. Good on them.
I actually really struggle seeing people throw food away, it really makes my blood boil. I will always accept food parcels from relations rather than see waste.
Theanne: Thanks for the link! He sounds great!
Did I say count me in for both challenges? I am having senior moments more regularly now! You are doing so well - keep it up and I'll update at the weekend xx
ReplyDeleteCould you not just squuuueeezzzeee £60 and then you would be under £9,000. I will be there drinking champers when you make the final payment on your mortgage.
ReplyDeleteI know what ever challenges you face in the future you will come through.......I wish I had been so focused when we had a mortgage....
Well done on the mortgage! I'm sure you'll find the £59 if you set your mind to it.
ReplyDeleteAnd in response to your 5 a day question yesterday, I achieved it by giving up meat, therefore every meal I make contains plenty veg. I'm not vegetarian (I eat meat if someone else serves it to me)but its amazing how much more creative your cooking becomes when veg becomes the basis of every meal.
Well done with your mortgage reduction & cash on the side!
ReplyDeleteI'm also impressed by your totally meat free day! How's your evening snacking going?
We can't stand food waste either, we don't throw any food away - it all gets used up or carried over to the next meal...
Kay :)
You absolutely keep on the Japan saving..you are doing so well with the mortgage and are right on track so you can do both..you are going well with the food too..just watch your health,I just cannot get hubby to cut down on meat, the funny thing is if we could then the food bill would be so much less,we are blessed in Australia as all meats are much cheaper than many countries and we have really good meat so whatever is on special id a bonus.
ReplyDeleteI will organise myself on Ebay this weekend,i am going to make myself lol..tell everyone leave me alone for a little while so i can cocentrate lol.
Big pat on the back to each of you - you really are so focused on getting your mortgage paid off - and take my word that it will be one of the best days of your life. I'll be drinking champers along with SilverSewer, and yes I may even be in England then so will give you a wave from Devon!!
ReplyDeleteWhat kind of biscuits do you snack on? How about making your own (of course we call them cookies here - biscuits are more like soft scones with egg, sausage, cheese, bacon etc., a breakfast sandwich item). You could make nice healthy, chewy oatmeal cookies with raisins, nuts, dried cranberries etc., One will really help fill the void until mealtime.
Off now, trying to get much needed cleaning done while hubby is away!
Mary X
Lol the sidebar - all I have done is think about it. Small progress made with the auction listings, I have ironed all the clothes & photographed them, this took much longer than anticipated. Next step list them......soon.
ReplyDeleteWhile we all eat meat, we will usually have 2-3 meat free dinners a week.
Put your money which ever way you wish - after all it's yours to do with as you wish. Sx
I'm sure you'll be able to find/make another £59 this month, well I hope so anyway x
ReplyDeleteThis mortgage pay off is addictive....but fun!
If my count is correct you only have 7 mortgage payments left!! How wonderful is that?! I don't know if I can manage $50 on the side or not but I'll try. My gas bill was $5 lower than what I budgeted but my hot water tank rental went up by $2 so that only gives me a profit of $3 so far. But the month is young so I'll give it a go!
ReplyDeleteI would love to be there for the mortgage burning. You are so committed.
ReplyDeleteWhen my S. Africa money is all saved, I am starting on my car loan to bring it down faster.
I should be doing that now instead of going on a trip, however, at this point in time I am healthy to enjoy the vacation, may not be if I wait for the loan to be paid off.
The rhubarb was lovely, I put some ginger root in it as per Jamie Oliver's recipe, it is so yummy.
Patricia
Definitely not being irresponsible - think how fab it will be coming back from Africa, looking forward to that trip to Japan and already having a nice little pot of money to start you off for it!
ReplyDeleteI do love your attitude to it all. Do you ever go over your spending on holiday or are you pretty frugal there too?
Keep going!
What a fantastic day it's going to be when you make that final payment on your mortgage, you must do something special to celebrate.
ReplyDeleteYou are making amazing progress. I have realised we probably don't have the best type of mortgage as we are only allowed to make two overpayments per year and if we pay up early there's an early redemption penalty - we aren't in a position to make any overpayments but it's just annoying to know these restrictions are there!
ReplyDeleteWell done on the mortgage repayments!
ReplyDeleteYou actually don't eat much (might find your body is in starvation mode and quickly laying down everything you consume as fat). I used to weight 12.5 stone and went on slimming world (highly recommend!) where you eat a lot, but of healthy foods and much less bread, cereal and fat, and now my body sits comfortably around the 9 stone mark.
Check out my fitness blog for tips, free exercise ideas and general fitness chit chat, and if you fancy it, why not join in with us for a run? :-) www.dashing-divas.com
Well done - you are so focused. I'm loving hot lemon & honey at the moment & may drink it even when I don't have a cold !
ReplyDeleteGreat news on the mortgage payments, that's fantastic.
ReplyDeleteI think you shouldn't worry about saving for Japan. It' something to look forward to and motivate you, plus life is about living for today, not always for tomorrow, but i would say that:-)
I think absolutely you are not being irresponsible for saving for Japan. I think it would help to stay motivated for the mortgage by having other things to look forward to. I am finding it very hard to get my frugal groove on since hubs lost his job. While we manage fine on my wages its very difficult to save as we used to. And I find that hard. But I'm not complaining as we have all that we need!
ReplyDeleteIt's getting smaller and smaller. Not long to go now!
ReplyDeleteBTW, I'm in the UK now.