LBM in 2003.. What have I been doing since??!

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  • brizzledfw
    brizzledfw Posts: 7,302
    Debt-free and Proud!
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    Didn't last long but good whilst it lasted hey ladies! Piq..are your boys back? Is it this weekend or next?

    Loving the longer days..makes such a difference being a week into BST
    MFiT-T4 Member No. 96 - 2022 is my MF goal :D
    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::T
  • Mortgage free in 8 years! Great goal to work towards.
    Diary: Conquering Debts Once and For All
    CC1 Jan 2012 $875.32 / CLEARED
    CC2 Jan 2012 $5,883.33 / June 2014 CLEARED
    Mortgage Jan 2012 $382,997.08 / Sept 2014 $367,775.37
    Business Loans Feb 2012 $48,407.52 / Sept 2014 $5,289.09

    Ex mortgage - 89.07% debt paid
  • brizzledfw
    brizzledfw Posts: 7,302
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    Thanks BoF.. yes it is, I figure that if I could pay off a gigantuan £1k off my mortgage every month it would be less than 8 years..on the other hand I need to build up emergency pots so 8 years seems prudent. April 2022 it is!

    Having said that we may be about to take a jump that would mean a much more lumpy cashflow (as Caz would put it! ;)) so who knows..but nothing ventured nothing gained.... and sometimes you have to follow your heart and your instinct :D

    So today:

    - been on phone to bank..deep joy but think we know where we are going now
    - TTs
    - planning a LSD and making a fish pie for tea using LO mash and fish from freezer
    - gift of £100 from MIL bless her so moved to O&S pot and sig updated
    - seeing another potential tenant this eve..so steady trickle of enquiries
    - no chance of pegging out as raining heavily so will be drowning in washing today on racks and banisters and doors:rotfl:
    - kids on first day of hols..so entertainment may be needed..maybe tidying up and cleaning before potential tenant comes round..they will LOVE that:rotfl::p
    MFiT-T4 Member No. 96 - 2022 is my MF goal :D
    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::T
  • jwil
    jwil Posts: 18,722
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    Wow to being mortgage free in 8 years :T

    Yay to new ventures too :)
    "If you can dream it, you can do it". Walt Disney
  • Piquant_2
    Piquant_2 Posts: 5,769
    PPI Party Pooper Mortgage-free Glee! Debt-free and Proud!
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    brizzledfw wrote: »
    Didn't last long but good whilst it lasted hey ladies! Piq..are your boys back? Is it this weekend or next?

    Loving the longer days..makes such a difference being a week into BST

    The boys are not back yet. Easter week is when they're returning home, exciting times!
    Total debt at October 2008: £67,213.30
    Total debt today: £0
    - debt and mortgage free 29th November 2013 :T
    Sealed Pot Challenge member 14
    Save £12K in 2014 - £6,521.90/£6K member 138



  • kerri_dfw
    kerri_dfw Posts: 4,556
    Combo Breaker First Post Debt-free and Proud!
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    Just catching up, mortgage free in 8 years is a fab goal. I'm still waiting to hear back from our second Broker, they're not quick. Houses are only on rightmove for a few days then they're gone.

    Hope you're having a lovely day x
    Diary: Getting back on track for 2013 and beyond
    DEBT FREE 13-10-13 :dance::dance::dance::dance::dance:
    Beautiful daughter born 11.1.14
    Mortgage: [STRIKE]£399,435.91[/STRIKE] £377218.83
    Deposit loan from Dad: £9000[STRIKE]£10000[/STRIKE]
  • beanielou
    beanielou Posts: 89,642
    Academoney Grad I'm a Volunteer Ambassador Mortgage-free Glee! Name Dropper
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    Exciting times :)
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing [email protected]. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • lucielle
    lucielle Posts: 10,651
    First Post Name Dropper Photogenic First Anniversary
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    Thankyou Brizzle, parcel received. It looks very healthy and I'll get it planted.
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
  • brizzledfw
    brizzledfw Posts: 7,302
    Debt-free and Proud!
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    edited 8 April 2014 at 1:06PM
    kerri..sorry to hear that, can you chivvy them along?

    Piq..bet you cant wait!! Beanie..it is indeed..even the small things like TTs into a savings pot before I have enough so I move them into the mortgage OP pot seem very precious and special

    L..very pleased..plenty more if you want it! :)

    So far today (just catching up with a late lunch! :))

    - TTs
    - working hard and working at home so another day and another dollar
    - a lovely friend has very unexpectedly taken my kids out.. she just popped round and dragged them away from the TV :)
    - W2itrose have refunded me £10 after a MOV didn't work..pretty good customer service
    - last night I went out with OH for a chat and a drink in the pub..£10 spent but well worth it :) Luckily kids of an age when they are OK, lodger was in and we were just down the road..I do like not paying for babysitters :D

    Will pop back later
    MFiT-T4 Member No. 96 - 2022 is my MF goal :D
    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::T
  • brizzledfw
    brizzledfw Posts: 7,302
    Debt-free and Proud!
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    edited 8 April 2014 at 7:33PM
    Hi folks!

    Busy day but SO pleased that my friend took my kids out..zoo (free as we are members) and then DVDs at her house.. They were gone for hours :) they had a great time helping her with her toddler ( altho oldest one said she was worn out running after him and it had made her less sure about having kids which I was pleased about...best form of contraceptive there is ;)) so everyone a winner.

    LO fish pie for tea together with lots of veg and then have stuffed myself with AF Green& Blacks Almond chocolate. DELLLLLEEEESSSCIOUS..:D The AF delivery looks very promising. Huge heavy box for £35 odd. OH very impressed by the value, so maybe this is something to do again sometime.

    Nice sunny day here so £3.37 :T on the panels. Free money :T

    Thinking again about being MF in 2022.. Quite a thought :) especially as it's hardly a small amount we owe. Just need to focus on not letting up now and pushing all that money that was going into debt as equally hard into the OP pot. Quite a relief we can pay off the mortgage as much as we like, when we like.

    I am also planning a college fund for the kids so all go on the Brizzle spreadsheets :rotfl:

    No sign of a lodger yet..but oh well a few weeks to go and it needs to be the right guy/gal

    Laters folks..
    MFiT-T4 Member No. 96 - 2022 is my MF goal :D
    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::T
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