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  • FIRST POST
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 5th Nov 11, 9:12 PM
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    Tilly MFW in 6 YRS
    Countdown to Freedom
    • #1
    • 5th Nov 11, 9:12 PM
    Countdown to Freedom 5th Nov 11 at 9:12 PM
    A new diary as we enter the last two months of 2011. I have been lurking for almost a year and have found so many of you inspirational, particularly Billy, Michelle, Radish, and Museum Worker.

    A bit of background I am married to a great man, two kids who are growing up too quickly, two cats and a dog! Never a dull moment in our household as you can imagine.

    I had my LB moment 12 months ago and started to work on my husband to bring him round as I thought we both needed to be on board to tackle this project. I have just asked him when he had his LB moment and he said 'when you told me I had' however he swiftly followed this up with 'when I realised we would never reduce the mortgage whilst battling with 'the large Spanish bank'!

    To set the stage for where we are and where we are aiming for:
    Current mortgage £312000 and I wince as I type the number, with the outstanding mortgage due to finish in 10 years. Aim is to clear the mortgage in 6 years. We are fortunate that we are both employed on good salaries however in this day and age who knows how long that will last.
    Onwards and upwards, my next post will be to build a picture of how I/we have put into practice all the things learnt from you great people.

    Thanks for reading and I hope some day I can inspire others the way some of you have inspired me/us.
Page 497
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 20th Jul 16, 5:56 PM
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    Tilly MFW in 6 YRS
    Just blown up iron so can't do any ironing .

    Originally posted by gallygirl
    What is it with you and MuddyWhiteChicken and domestic appliances
    2004 £387k 29 years - MF March 2033 2011 £309k 10 years - MF March 2021.
    Goal: 28/08/15
    House 1:value £630k, outstanding Mort £10
    House 2: value Euro 400k, owned outright
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 20th Jul 16, 6:13 PM
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    Tilly MFW in 6 YRS
    Lovely swim in the sea and salmon, tomatoes and French bread for lunch. I've had a sort out of garden brollies and we need to buy 2. We use them on the beach and garden. As we have people using the house until late October, I need to be better prepared.

    Ironing still being ignored but at least one top needs to be done otherwise I won't be going out for dinner.

    Off on a boat trip tomorrow morning. It visits a few caves and gives you time to have a swim in the sea. Good fun. Out for lunch then to Dutch chums for a BBQ. I know that's going to be a long night and I've offered to drive.

    Some of the conversations about the referendum have been difficult. I voted Remain and can't come up with any explanation for our mainland Europe chums. It does sound as though all of them think Brussels is too powerful and that countries should rally to get major reform. Easier said than done but it's definitely the way forward. Having a PM with the skills to build bridges with these countries, enabling the UK to be an enabler of change would have been perfect.

    Anyway, it's blinking hot and a nap before socialising is required.

    Tilly xxx
    2004 £387k 29 years - MF March 2033 2011 £309k 10 years - MF March 2021.
    Goal: 28/08/15
    House 1:value £630k, outstanding Mort £10
    House 2: value Euro 400k, owned outright
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 22nd Jul 16, 7:17 AM
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    Tilly MFW in 6 YRS
    Morning - haircut booked €15 - for this morning. Tried a delicious blend of rice in a salad last night and am going to hunt it down this morning.

    Off to the beach late afternoon and I'm preparing everything for a pasta dish for dinner, this morning. Want to be ahead otherwise we may be tempted to eat out.

    Feeling very sad as we are off in the next day or so. It is more upsetting each time I have to leave nowadays. I truly appreciate how fortunate we are but I'd love our new life to start now.

    Right off to put towels in to wash.

    Best wishes

    Tilly xx
    2004 £387k 29 years - MF March 2033 2011 £309k 10 years - MF March 2021.
    Goal: 28/08/15
    House 1:value £630k, outstanding Mort £10
    House 2: value Euro 400k, owned outright
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 25th Jul 16, 7:24 AM
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    Tilly MFW in 6 YRS
    Different phase of holiday now and Mr T is making good use of his free hotel nights. We have seen some fantastic sights and last night ate in an American diner with music choice (can't think what it's called) at each table. Truly brilliant and as we ate late and Sunday is a quiet night we were able to sing along with the songs

    Clothes washed in the bath last night and now dry.

    Heading down for breakfast shortly then a free pedicure for DD and me

    Kids are learning more about using money wisely and I've enjoyed listening to them. DD is investigating a Trust for her and her brother. Any property purchased would be owned by the Trust. We had toyed with that years ago but at 20 DD is already starting to see the damage relationships can do, when ending badly.

    Right need to cracking on.

    Tilly xx
    Last edited by Tilly MFW in 6 YRS; 25-07-2016 at 7:28 AM.
    2004 £387k 29 years - MF March 2033 2011 £309k 10 years - MF March 2021.
    Goal: 28/08/15
    House 1:value £630k, outstanding Mort £10
    House 2: value Euro 400k, owned outright
    • greent
    • By greent 27th Jul 16, 9:43 PM
    • 5,009 Posts
    • 49,959 Thanks
    greent
    Just blown up iron so can't do any ironing .

    Originally posted by gallygirl
    That's rather an extreme way of avoiding the ironing, gg!


    Sounds like you had a lovely time in Portugal - how long until you plan on making the move permanent, Tilly?

    xx
    Repaid mortgage early (originally 11/25) Bal 01/09 £124616 01/10 £104927 01/11 £89873 01/12 £76317 01/13 £52546 01/14 £35356 01/15 £12133 07/15 £NIL
    Net sales in 2016 £478.02/£500
    Sept grocery spends ??/ £350 NSDs 5/7
    • ljaneyr
    • By ljaneyr 28th Jul 16, 2:44 PM
    • 1,059 Posts
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    ljaneyr
    It sounds lovely out there Tilly! The weather is rubbish here at the moment - grey, damp and drizzling. I t is inspiring reading your diary and I dream of having our own place in the sun one day but I'm not sure it will happen. Anyway, I can dream!

    JAney x
    Bought our house 2012 Married 2015 Started renovating 2015
    Renovation fund 100% Emergency fund 100% Future fund £2055

    "It is often said that before you die your life passes before your eyes. It is in fact true. It's called living." Terry Pratchett
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 29th Jul 16, 11:23 AM
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    Tilly MFW in 6 YRS
    Hi Greent, will be two years but we are looking to see whether we can accelerate.

    I gather it is raining in our hometown so not looking forward to returning.

    We both feel so integrated over there. Good mix of healthy activities along with many social activities. We love the blend of nationalities but we are both thankful English is spoken by so many .

    Can't wait to be there and start our renovations.

    Best wishes Tilly xxxxx
    2004 £387k 29 years - MF March 2033 2011 £309k 10 years - MF March 2021.
    Goal: 28/08/15
    House 1:value £630k, outstanding Mort £10
    House 2: value Euro 400k, owned outright
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 29th Jul 16, 11:30 AM
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    Tilly MFW in 6 YRS
    Hi ljaneyr


    Placeholder - will update in a short while - whoops that took longer than expected


    Truthfully I don't think it matters whether it's a property or just the funds to travel and have integrating holidays. Having the freedom to do as you choose and spend your money how you like is the ultimate. We will never be in the 'wealthy' bracket but I know that since 2010/11 we have used every penny wisely. Income wise we are in the top 2% (may be 1% would need to check) but I/we balk at the cost of so many things. We went to the cinema over the weekend and it was £54

    Take care and live you life but with 'short arms and deep pockets'

    Tilly xxxx
    Last edited by Tilly MFW in 6 YRS; 01-08-2016 at 12:03 PM.
    2004 £387k 29 years - MF March 2033 2011 £309k 10 years - MF March 2021.
    Goal: 28/08/15
    House 1:value £630k, outstanding Mort £10
    House 2: value Euro 400k, owned outright
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 1st Aug 16, 12:23 PM
    • 7,556 Posts
    • 84,475 Thanks
    Tilly MFW in 6 YRS
    Morning, and what a morning it has been. We have spent 1.5 hours on the phone to the student loan company.

    Interest is chargeable on loans immediately that funds are released - she wasn't aware of that and I only knew because of a helpful man who bought something from me in eb@y.

    Bank account is £26.5k lighter and next year will be self funded. At least no more money wasted in interest.

    Will go and lie down in a darkened room now.

    Tilly
    2004 £387k 29 years - MF March 2033 2011 £309k 10 years - MF March 2021.
    Goal: 28/08/15
    House 1:value £630k, outstanding Mort £10
    House 2: value Euro 400k, owned outright
    • smallholdingsister
    • By smallholdingsister 1st Aug 16, 1:25 PM
    • 2,362 Posts
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    smallholdingsister
    Glad you are having a lovely holiday (and lie down!).
    • gallygirl
    • By gallygirl 2nd Aug 16, 3:25 PM
    • 15,923 Posts
    • 104,384 Thanks
    gallygirl
    Oh dear to the stress, but at least you got a lie down. Silver lining and all that .
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    Mortgage Balance = £0
    "Do what others won't early in life so you can do what others can't later in life"
    • Secret Saving Squirrel
    • By Secret Saving Squirrel 2nd Aug 16, 11:52 PM
    • 3,567 Posts
    • 33,204 Thanks
    Secret Saving Squirrel
    I am always shocked when I see those statistics about how few people, particularly women, are in the higher tax brackets. It does make you realise how fortunate you are - but I always think more about how unfair our society is in terms of education and employment opportunities.
    Paid off mortgage nine years early in 2013. Now picking and choosing our work to fit in with the rest of our lives!
    Still thrifty though, after all these years
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 3rd Aug 16, 9:41 AM
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    Tilly MFW in 6 YRS
    Morning Squirrel, your comments about education and employment opportunities prompted some good discussion this morning.

    The junior Tilly brigade think being qualified for your career is a good thing - tick. However, they think companies should 'give people a go' and see how they fit in, rather than everything being interview based.

    I do think interviews are difficult for people and I know from Mr T, that interviews don't show him in the best light. Give him a client about to jump ship and he'll take the sting out and pour oil where required. Does that mean he is not a capable leader - not at all, simply that interviews aren't for him.

    I love interviews and look on them as a competition really - does that make me the right fit for a company? Not at all, it just shows I find the challenge of an interview fun.

    I was interested to read about KPMG (I think it was them) and the changes to their recruitment process. Grad recruitment will be condensed and performed over a day, rather than days - with outcome available within 2 days. Far better use of time for both candidate and company. However, they will still miss good candidates if interviews are not for them.

    We fail in the UK in helping kids become more confident. I may go off on one now

    When DS was at infant school, each child won a rosette for a race. How are we helping them by doing that? There will always be kids who are leaders, followers etc but the underlying requirement is confidence in one's own abilities. In this complicated society how do we scrap the education system and start again? Many parents need confidence, not just the kids.

    I watched Greg Wallace late last night on his BBC programme about cutting food £. People in their late 30s/early 40s unable to see the benefits of having everyone eating the same thing at the table, or in fact eating together. The benefit of buying whole carrots, or a block of cheese, or whole mushrooms - I truly think the world has gone mad.

    Those times in the evening, when you sit talking about your day are important. Does it always come naturally? Not at all and communicating like this is often learned behaviour. However, I genuinely believe this is how a family is built. How understanding other people and the challenges they face become visible.

    I may have lost my train of thought through my waffle and I may p people off wth my comments but having a job, regardless of level, earning your salary and using that in the best way for your family brings a confidence that is life changing.

    I believe the benefit system needs to change and benefits become what they used to be, a lifeline, not an alternative income - thus forcing companies to increase salaries to a realistic level. The Government are basically subsidising companies by bridging the £ gap and that does not help esteem/confidence etc. Zero hours contracts - this is no different to waiting to see if the 'Gaffa' picks you out of the crowd to work for the day. Surely in 2016 we need to be more sophisticated - I'm thinking back now to some excellent Peter Sellers films. I'm all right Jack springs to mind.

    Fundamentally being able to house and feed your loved ones is paramount and doing it under your own steam is empowering. Various governments are at fault (Tory and Labour) - I'm not a fan of Theresa May but I am hopeful that she may tackle some difficult situations head on. Zero contracts should be banned. As a bare minimum, a company can commit to a number of hours and fund them. This would ensure their resource planning was more effective as they would take the £ hit.

    Right, apologies for my rant and waffle

    Tilly xx
    2004 £387k 29 years - MF March 2033 2011 £309k 10 years - MF March 2021.
    Goal: 28/08/15
    House 1:value £630k, outstanding Mort £10
    House 2: value Euro 400k, owned outright
    • Karmacat
    • By Karmacat 3rd Aug 16, 11:01 AM
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    Karmacat
    Tilly, you're spot on! Didn't expect to find **such** a thoughtful post when I came on, but you're dead right. The lifeline became the alternative lifestyle, absolutely, and all along the south coast of England, are communities of hundreds, sometimes thousands of people, who make a point of using the benefits system for things it was never meant to do. I'm putting it that way on purpose, because its not about people who'd have been recipients under any compassionate system - its about people who fund drug habits and squatting from benefits, and I used to know quite a few of them, from my work

    I haven't got my hopes up for any politician for many years now, but Theresa May, in delaying Hinckley (and hopefully turning it down soon) has me hoping, just a teeny little bit ... we'll see.

    More power to your elbow
    Retired 25 August 2016

    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 5th Aug 16, 7:50 AM
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    Tilly MFW in 6 YRS
    Do not let me near eb@y; do not let me near eb@y; do not .......... You get the drift!


    I may have bought another armchair plus a freezer - plus a smaller freezer is being watched

    Mr T, DD and DS and I may have been in hysterics at 9.45pm - anyway, larger freezer is to replace my 24 year old one. Same make Liebhe"r - off for a drive to south Londonium this morning to collect. Lovely way to spend a Friday.

    As a final catch up on DD, we all decided not to buy a property for her Uni period. She and DS will be buying something together in just over a year - Mr T and I will keep our £ intact.

    DD has booked an intensive driving course - fingers crossed it pays off as my remaining car can move with her

    Mr T is working from home more and more with his new clients - not good. He is having a think about whether to move or push for other clients - I'm keeping out of the way.

    Our in built fridge has a small freezer which has broken. Need to investigate what can be done.

    We have some large trees that need a good haircut this Autumn. Probably more of a cut than normal - more preparation for moving abroad.

    HM pizza this evening and project freezer use up is going well so far. Miminum purchases apart from fruit and milk. Veggies have been from the garden. BTW fruit trees are doing very poorly this year

    Best wishes Tilly xx
    2004 £387k 29 years - MF March 2033 2011 £309k 10 years - MF March 2021.
    Goal: 28/08/15
    House 1:value £630k, outstanding Mort £10
    House 2: value Euro 400k, owned outright
    • Karmacat
    • By Karmacat 5th Aug 16, 8:47 AM
    • 26,272 Posts
    • 137,556 Thanks
    Karmacat
    All those steps are important along the way, aren't they!

    I know what you mean about the fruit trees - there's a wild plum tree on my rec. ground, 3 minutes from my house, and I got 50 small plums from it last year. This year? Two
    Retired 25 August 2016

    • apple muncher
    • By apple muncher 5th Aug 16, 5:05 PM
    • 5,146 Posts
    • 37,335 Thanks
    apple muncher
    Did you buy the armchair so that you could sit in it when watching the 2nd freezer?
    NST Sept #8; 2016 Pay off: £1570/£3980
    NSD 6/14; sell 276.25/1000; craft 2/30; exercise 9

    Mortgage £33,979 (01/14: £78,201; 01/15: £59,629; 01/16 39,915) MFWDate Dec 2018
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 5th Aug 16, 9:11 PM
    • 7,556 Posts
    • 84,475 Thanks
    Tilly MFW in 6 YRS
    Did you buy the armchair so that you could sit in it when watching the 2nd freezer?
    Originally posted by apple muncher
    Have you been spying on me, in my garage


    Ok. We now have two Liebh"rr freezers in the garage plus a small one. 1 will go to Portugal other two will be used in the UK

    Don't you just love eb@y sometimes

    I am off to a darkened room again now.

    Tilly xx
    2004 £387k 29 years - MF March 2033 2011 £309k 10 years - MF March 2021.
    Goal: 28/08/15
    House 1:value £630k, outstanding Mort £10
    House 2: value Euro 400k, owned outright
    • gallygirl
    • By gallygirl 6th Aug 16, 1:10 AM
    • 15,923 Posts
    • 104,384 Thanks
    gallygirl

    I am off to a darkened room again now.
    Originally posted by Tilly MFW in 6 YRS
    Should have bought fridges instead, then you could have opened the doors for some light . Or of course the good old tumble drier with internal light
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    Mortgage Balance = £0
    "Do what others won't early in life so you can do what others can't later in life"
    • greent
    • By greent 8th Aug 16, 12:27 AM
    • 5,009 Posts
    • 49,959 Thanks
    greent
    My fruit trees are fruiting poorly this year too

    I think that the system of charging interest from day 1 on student loans is diabolical - charge it from the day they finish their course/ exams/ graduate - but not from the very start of their studies

    Lovely update, btw

    x
    Repaid mortgage early (originally 11/25) Bal 01/09 £124616 01/10 £104927 01/11 £89873 01/12 £76317 01/13 £52546 01/14 £35356 01/15 £12133 07/15 £NIL
    Net sales in 2016 £478.02/£500
    Sept grocery spends ??/ £350 NSDs 5/7
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