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    • rose_tinted
    • By rose_tinted 18th Aug 10, 10:01 AM
    • 65Posts
    • 363Thanks
    Rose's mortgage-free journey!!!
    • #1
    • 18th Aug 10, 10:01 AM
    Rose's mortgage-free journey!!! 18th Aug 10 at 10:01 AM
    I have been lurking for a while and have decided to do my very own diary. The reason being we have bought a bigger house therefore a much bigger mortgage.
    I am quite frightened really as we are used to having a tiny mortgage. My plan is to do ebay and sell all my clutter (not that we have much as me and DH are not big spenders). Need some other ideas too please folks.
    My mortgage is 120,000, there I have written it down. Arghhhhh!!!
    Have been in touch with mortgage company to do internet banking,waiting for my passwords.
    Thats it for now. Please be gentle with me
    M xx
Page 2
    • Merchandiser2367
    • By Merchandiser2367 13th Mar 18, 7:38 PM
    • 158 Posts
    • 1,021 Thanks
    Love this diary! You're still determined 8 years down the line! Amazing stuff

    Proves that it is an up and down journey to be MF but determination is key.......especially as it is a long old slog!!
    Mortgage When Started Over Pay 01/11/2017- £146500
    Current Total - 13/03/2018 - £134, 174
    5 year fix - Aiming to overpay £1900 at least a month
    MFW by July 2021
    £10,000 / £10,000 Savings by 1/11/17
    • selloptape
    • By selloptape 13th Mar 18, 8:34 PM
    • 431 Posts
    • 1,688 Thanks
    The random numbers replace apostrophes on some devices hope they fix it soon.

    Welcome back!
    GC March £184.40£350
    £2 Savers Club #59 £56
    MFW 2018 #49 £300/£3,000
    MFiT T4 #21 - reduce mortgage by £20k over 3 years
    • enthusiasticsaver
    • By enthusiasticsaver 13th Mar 18, 10:09 PM
    • 5,982 Posts
    • 11,891 Thanks
    Does anyone know how to correct the random numbers in my post above?
    Originally posted by rose_tinted
    This is a problem with apple devices.

    Go to settings
    Then Keyboards
    Then turn smart keyboard off.

    That will sort out the problem with apostrophes and no more random numbers.
    Debt free and mortgage free and early retiree. Living the dream

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to
    • rose_tinted
    • By rose_tinted 19th Mar 18, 1:29 PM
    • 65 Posts
    • 363 Thanks
    Thanks Enthusiastic saver, all sorted now.

    Well life is pretty good at the min, I can't believe the difference in a month. I can't wait for pay day to put some savings away. This is a huge change for me and hubby.

    I've been so careful. The trips to the co-op, or lack of them, have made such a difference.
    Paperwork sort today. I feel a lot more in control of everything. At the minute the table is full of paperwork. I'm having a break for lunch.

    Thanks to everyone that is reading, I'd love your input.

    The sun is shining too.....fabulous x
    • greent
    • By greent 19th Mar 18, 7:32 PM
    • 6,777 Posts
    • 69,650 Thanks
    Welcome back!
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/10 £104927 01/11 £89873 01/12 £76317 01/13 £52546 01/14 £35356 01/15 £12133 07/15 £NIL
    BTL Mtge 12/16 £69786. 2018 OPs (#18) £287.70/£4000
    Net sales 2018 £80.07/£1000 PAYDOX18 (#15) £2260.38/£18694.38 Decluttered 362/2018 items
    • rose_tinted
    • By rose_tinted 19th Mar 18, 9:47 PM
    • 65 Posts
    • 363 Thanks
    Thanks Greent. I'm going to have a look at your diary. Can't believe your mortgage is completely gone.Any of your best tips would be appreciated.
    Had leftovers for tea. DH and 3 DD's were impressed thankfully.

    Spent 4 hours sorting paperwork.
    DH was a star and shredded it for me,
    I'm feeling much more in control.
    Need to find Lego at a bargain price. Any ideas?
    • Kittenkirst
    • By Kittenkirst 20th Mar 18, 6:21 AM
    • 1,823 Posts
    • 9,795 Thanks
    Hey Rose, welcome back

    My biggest tip is to do what's called 'tilly tidying' (named after a clever person posting on these boards): essentially you round things down for your overpayments.

    So for us, we regularly check our joint acct and if we have a balance I'd say £302.50 we overpay the 50p or the £2.50(dependent on what we know is still to come out of the account).

    Other people do it so that their mortgage balance always ends in 0. So if it's £123,456.35 they would OP the £6.35.

    It's only small incremental payments but they all do add up! I also do survey sites to earn a bit more but can be lazy on them- it does take a bit of effort.

    Well done on staying out of the coop for your top-up shops! I nipped to Tesco for milk yesterday and left with a bag full having spent £10.65....and almost forgot to get the actual milk so it's not just you!
    2018 MFW #20 - OP £884.76/ £3000 29% Jan: £417.42 Feb: £260.14 Mar: £207.20

    Emergency fund £4K/ £6k
    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    Overpayments 2016 £255.50 2017 £2600.40
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