Thistle grasps the nettle! Again....and no sting this time!!

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  • Thistlewhistle
    Thistlewhistle Posts: 1,091 Forumite
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    Just checked the bank and wage isn't showing yet. Hurry up!!
    Mortgage at end 05/2007: £90200
    Mortgage at end 08/2018: £71646 paid £18354 (20.5%)
    MFD: :eek:Original:05/2042:eek:
    Car Finance: £8225 : £6392 (22.2% paid off)
    CC Debt (0% until 06/2020): £5640 : £4400 (21.7% paid off)

     Age of Money at 31/08/2018 = 23 days

    YNAB is changing the way I live my life....and spend my money!!
  • Secret_Saving_Squirrel
    Secret_Saving_Squirrel Posts: 4,138 Forumite
    Mortgage-free Glee!
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    I hope it is there now! Everyone loves a big payday!
    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:D
  • Thistlewhistle
    Thistlewhistle Posts: 1,091 Forumite
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    Morning all,

    Well after 5 months of not posting on here, I'm back. So many things have changed for me in the last few months, not least, I have given up a huge part of my income in favour of getting back more free time in my life. I've been having a bit of counselling to try and discover why I was so unhappy and my lack of any kind of work life balance was just not helping.
    So I took the step to give up my team role and just concentrate on running my SW groups. This is where I am happiest and so, although money is going to be tight for a bit until I can grow my groups, I am now in a much happier place, and have spare time to do things that are important to me.

    So I'll be popping by on here more because I have the time to do it, and I'll be sharing all the things I'm still wanting to achieve money-wise.

    It's good to be back in the land of the money saver!!!

    Tx
    Mortgage at end 05/2007: £90200
    Mortgage at end 08/2018: £71646 paid £18354 (20.5%)
    MFD: :eek:Original:05/2042:eek:
    Car Finance: £8225 : £6392 (22.2% paid off)
    CC Debt (0% until 06/2020): £5640 : £4400 (21.7% paid off)

     Age of Money at 31/08/2018 = 23 days

    YNAB is changing the way I live my life....and spend my money!!
  • Betterthanever
    Betterthanever Posts: 584 Forumite
    Combo Breaker First Post First Anniversary
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    Welcome back!
  • Tilly_MFW_in_6_YRS
    Tilly_MFW_in_6_YRS Posts: 7,833 Forumite
    Mortgage-free Glee!
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    Hi Thistle, good to see you posting and thanks for your PM.

    Take it easy xxxx
    2004 £387k 29 years - MF March 2033:eek:
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15 :j
  • Jessy103
    Jessy103 Posts: 1,824 Forumite
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    Hi thistle! I've subscribed so I can follow and will you on!! x
    Mortgage Balance as of Jan 24 £36,500 Starting Mortgage Balance (June 2019) £72,000. 2024 Overpayment Challenge: Jan £558.40, Feb £588.11, Mar £497.32
  • Thistlewhistle
    Thistlewhistle Posts: 1,091 Forumite
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    Jessy103 wrote: »
    Hi thistle! I've subscribed so I can follow and will you on!! x

    Welcome along Jessy103

    T:p
    Mortgage at end 05/2007: £90200
    Mortgage at end 08/2018: £71646 paid £18354 (20.5%)
    MFD: :eek:Original:05/2042:eek:
    Car Finance: £8225 : £6392 (22.2% paid off)
    CC Debt (0% until 06/2020): £5640 : £4400 (21.7% paid off)

     Age of Money at 31/08/2018 = 23 days

    YNAB is changing the way I live my life....and spend my money!!
  • greent
    greent Posts: 10,671 Forumite
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    Welcome back thistle x
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NIL
    Net sales 2024: £20
  • Thistlewhistle
    Thistlewhistle Posts: 1,091 Forumite
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    greent wrote: »
    Welcome back thistle x

    Many thanks Greent. It's been a long arduous five months in terms of my health but I'm focused again now with a simpler job role which has made me able to take time out to do the things that are important to me.

    Back using YNAB again which really focuses my attention on my finances and keeps me on track.

    Hope you're doing ok too.

    T:p
    Mortgage at end 05/2007: £90200
    Mortgage at end 08/2018: £71646 paid £18354 (20.5%)
    MFD: :eek:Original:05/2042:eek:
    Car Finance: £8225 : £6392 (22.2% paid off)
    CC Debt (0% until 06/2020): £5640 : £4400 (21.7% paid off)

     Age of Money at 31/08/2018 = 23 days

    YNAB is changing the way I live my life....and spend my money!!
  • Thistlewhistle
    Thistlewhistle Posts: 1,091 Forumite
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    Morning all......:wave:

    Really getting organised today moneywise.

    Calling my mortgage company for an up to date balance. I record a £10 per day interest charge in YNAB but I know that's over egging it so I'll need to make an adjustment in my tracking balance for the mortgage. Hope fully it'll be well in my favour.
    I'm currently at £73,780 which is great because with 15 days of September left, there'll only be £150 interest to go on that meaning I'll finish the month sub £74k for the first time. I shred £1000 off my mortgage every 4 months or thereabouts thanks to my over payments.
    Big plan is to remortgage before the rates go up.
    Any recommendations on mortgage lenders? Need to be able to overpay!!

    Need to reconcile my car finance account too, check where I'm up to.
    I bought a new (old) car in May after mine got damaged in a superstore car park by some blind bat for whom a huge red car parked next to theirs was too much to cope with. Big dent in wheel arch. Did half finance and have on a 0% credit card deal til June 2020. This is my forever car now. A lovely white dreamy car whose roof folds up into the boot for me and OH to spend sunny days driving round the Yorkshire Dales. Heaven!!!!
    I pay off the minimum CC plus £50 a month but put away £250 to pay the end bill each month, which YNAB tracks for me. Keeping the money in my current account helps me get the top interest.

    Anyway enough chat.....jobs to do.

    Have a great day y'all!!:beer:

    T:p
    Mortgage at end 05/2007: £90200
    Mortgage at end 08/2018: £71646 paid £18354 (20.5%)
    MFD: :eek:Original:05/2042:eek:
    Car Finance: £8225 : £6392 (22.2% paid off)
    CC Debt (0% until 06/2020): £5640 : £4400 (21.7% paid off)

     Age of Money at 31/08/2018 = 23 days

    YNAB is changing the way I live my life....and spend my money!!
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