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Ah, people will be saying how "lucky" you are now :cool:
Congratulations, you have worked so hard to be so lucky
I was only discussing the "lucky" comment with my mum the other day. Why do people assume that if you have money you were either born into it or are lucky. Even winning it takes control to keep it, if it is that easy how come most lottery winners spend it all? We live on a lovely estate which to outsiders probably looks like we all have lots of money. We had people one night last week trying car and house doors trying to get in an steal things, they were seen with a large white van so were clearly hoping to get quite a haul. Like anybody would be able to spend easily to replace things. I much prefer the community on here, it doesn't matter how little or much you earn, everyone is so supportive and helpful. It takes people from all walks of life to help you learn to find your way. Anyway sorry to rant...you are all great and we all help each other through. Now it is Tilly's time to impart her knowledge while we all continue to help each other muddle throughMFW 2025 No. 7 £700/£1200
MFiT-T7 No. 6 £2392.98/£30,0000 -
Hello Tilly :wave:
I just had to delurk to say a massive congratulations and do a few of these :j:j:j:j:j for you achieving your MF badge.
I have been lurking on your diary for about six months, and a little while back decided I would pop back to the start of your diary, read the first 10 pages or so just to see how it all started out for you, and well I got really sucked in and today I have caught up with where I started lurking!
So many things you have posted about have resonated with me. It has been a really inspiring read and in so many ways as well, not just the mortgage overpaying, which is in itself an incredible achievement, but also in your organisation, enthusiasm, energy and kindness. Like so many others I hope you'll keep up your diary even though you are now MF as I really want to keep reading along and being inspired by you.
Well done on all the hard work of you and the Tilly family again:T:T:T:T:T0 -
Evening, thanks for your messages. It really has not sunk in yet
I can't believe how cold and wet it is. Mr T has put the heating on for an hour :eek::eek:
We went to see Bad Education late afternoon and, although we watched it with the kids and the language waswe all laughed. Can't beat laugter.
Chicken and chorizo casserole in the SC tomorrow. Wondering how I can hide yet more marrow in it :rotfl:
Washing and ironing finished - toooooo wet today for more gardening
I've remembered to cancel mortgage payment from now on :T. That was fab.
Off to have a very early night - DD and Mr T are going to watch a film and I don't fancy it. Pretty sure the popcorn will be in the MW shortly
Night, Tilly x x2004 £387k 29 years - MF March 2033:eek:
2011 £309k 10 years - MF March 2021.
Achieved Goal: 28/08/15 :j0 -
Great going Tilly always pop my head in here and am amazed how you chip through such large amounts. Well done to you.Original mortgage £158,000 over 25 years, end date 2036 :eek:
Predicted utopia date 2021 15 years early :beer:
Current mortgage £52,928
2016 Over-payments to date: £5000 :j
Total OPs since starting £79,8060 -
Hi Streethack, thanks for stopping by. Fortunately we have both had good salaries for a long time - with a redundancy in between. It's only finding MSE and really understanding about money which made us turn the corner. We would have carried on spending everything if not for the good folk on here.
Had we been sensible for years we would have been MF much earlier.
As GallyGirl says, there's no point dwelling on the past
Best wishes Tilly x x2004 £387k 29 years - MF March 2033:eek:
2011 £309k 10 years - MF March 2021.
Achieved Goal: 28/08/15 :j0 -
Evening, sun and showers today but we managed a long walk with the hounds without getting soaked :T
Chicken and chorizo casserole smells mmmmm. Rice is cooking and there's a rhubarb pie for afterwards if needed.
I'm happy that the menu plan is finished. It's quite frustrating not knowing what we are eating and my enthusiasm for cooking seems to disappear. Slow pulled brisket tomorrow, served with roast tomatoes and garlic, lettuce leaves and pitta breads.
I'm loving investigating when seeds or plants go in, in Portugal. Their season for growing is so much longer than ours.
Laptop investigations are in full swing. Hoping DS decides in the next day or so and I will order one.
What's new in the Tilly household? Well a DD is off to a couple of training weekends, which will increase her monthly income as she can start teaching First Aid. Ever one for watching her pennies, this is good news. DS will be working weekends shortly and he is going to save up for a pair of new trainers. We are trying to decide what to do for Christmas but not making much headway at the moment.
Money - 5p Tilly Tidied to future pot. All vouchers dug out and in my purse ready to use. I will do a Tescoooo shop soon to make sure I use them up.
CP and S&S up to date. I have YG to catch up on. I've been a bit remiss and need to get back to doing them as they arrive.
Night, Tilly x x2004 £387k 29 years - MF March 2033:eek:
2011 £309k 10 years - MF March 2021.
Achieved Goal: 28/08/15 :j0 -
Hi Tilly - bit late to the party here (sorry) but wanted to say huge congrats on clearing the mortgage :T Wish you & the rest of team Tilly well for the next chapter in the adventure
BW x0 -
Your brisket sounds delicious Tilly! I bet cancelling the direct debit to the Bank was a phenomenal feeling
Best wishes, ATB xxMFW
[STRIKE]Mortgage 8.2.15 - [/STRIKE][STRIKE]£171,064.64[/STRIKE] Mortgage 1.5.2018 - £99,980.45Aiming to be MF 1.10.20200 -
Hi Tilly - bit late to the party here (sorry) but wanted to say huge congrats on clearing the mortgage :T Wish you & the rest of team Tilly well for the next chapter in the adventure
BW x
Echoed. Well done all of you. This is amazing. One of the things (altho there are many!) I am most impressed by is how your kids have learnt and are following in your footsteps. That's great
Stay in and make sure we get to hear how you are all 'living the dream' !MFiT-T4 Member No. 96 - 2022 is my MF goal
Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T0 -
Very late to the party but huge huge congratulations. You have inspired so many. I hope you will be here for a long time to comeMade it to mortgage free but what a muddle that became
In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!0
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