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# 6941
Alchemilla
Old 19-04-2014, 10:22 AM
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What is 250 sleeps?
53% LTV M £187, 706 O/P total £39.93
% 3.49 Monthly £1454.65 end 21/9/2027 fix expires 30/9/16
I need to get the end date closer to 2021.
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# 6942
LydiaJ
Old 19-04-2014, 10:25 AM
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Quote:
Originally Posted by Alchemilla View Post
What is 250 sleeps?
Christmas
[LydiaJ] ... seems to have her head screwed on... - wageslave
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# 6943
peaceandfreedom
Old 19-04-2014, 11:14 AM
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Quote:
Originally Posted by LydiaJ View Post
Christmas
Arrggghhhhhh, don't mention the C word, it's not even summer yet.
Hope is not a plan ~ Some is not a number ~ Soon is not a time
Here's the plan: pay off all debts ~ Here's the number: 19009 ~ Here's the time: October 2016
Debts (at end of Feb 2014): 19009 Now: 18285 (3.8% paid off). Current DFD: October 2016
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# 6944
Tilly MFW in 6 YRS
Old 19-04-2014, 11:46 AM
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Originally Posted by peaceandfreedom View Post
Arrggghhhhhh, don't mention the C word, it's not even summer yet.
I've been really restrained in terms of Christmas countdown so far

Tilly x x
2004 £387k 29 years - MF March 2033 2011 £309k 10 years - MF March 2021.
Goal: 28/09/15
House 1:value £525k, Outstanding Mort £173k
House 2: value Euro 400k, owned outright
Weight loss target 12/36 lbs
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# 6945
LydiaJ
Old 19-04-2014, 9:49 PM
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Since I don't have a diary of my own, can I piggyback on yours just to say that it is looking possible that I might be able to pay off my mortgage next month? I won't know until I got to a meeting in the middle of May, but just the possibility still feels exciting!
[LydiaJ] ... seems to have her head screwed on... - wageslave
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# 6946
Tahlullah
Old 20-04-2014, 1:10 AM
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Oh, oh, oh, Lydia!! That is fantastic news! How absolutely fantastic for you.

I will keep my bits crossed for you. Imagine what you can do without the stress and headache of mortgage payments. Plus what will you do with all that disposable income?

Congratulations to you.

Everyone is doing it! My time will come...
2014 MFW 147.
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# 6947
Tilly MFW in 6 YRS
Old 20-04-2014, 8:16 AM
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Quote:
Originally Posted by LydiaJ View Post
Since I don't have a diary of my own, can I piggyback on yours just to say that it is looking possible that I might be able to pay off my mortgage next month? I won't know until I got to a meeting in the middle of May, but just the possibility still feels exciting!


What a lovely message to read on Easter Sunday


Fab news


Tilly x
2004 £387k 29 years - MF March 2033 2011 £309k 10 years - MF March 2021.
Goal: 28/09/15
House 1:value £525k, Outstanding Mort £173k
House 2: value Euro 400k, owned outright
Weight loss target 12/36 lbs
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# 6948
Tilly MFW in 6 YRS
Old 20-04-2014, 9:57 AM
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Happy Easter

Early service at church which was particularly thought provoking.

Back home and a few jobs to do but we have all day and no need to rush.

Have a good Sunday everyone

Best wishes, Tilly x
2004 £387k 29 years - MF March 2033 2011 £309k 10 years - MF March 2021.
Goal: 28/09/15
House 1:value £525k, Outstanding Mort £173k
House 2: value Euro 400k, owned outright
Weight loss target 12/36 lbs
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# 6949
theyoungone
Old 20-04-2014, 11:37 AM
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Happy Easter to the Tilly clan
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# 6950
LydiaJ
Old 20-04-2014, 2:07 PM
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Quote:
Originally Posted by Tilly MFW in 6 YRS View Post


What a lovely message to read on Easter Sunday
Thanks Tilly. You are so welcoming to a gatecrasher!! As I said, it's not definite, but I'm hoping for the best for the meeting next month.

Quote:
Originally Posted by Tilly MFW in 6 YRS View Post
Happy Easter

Early service at church which was particularly thought provoking.
Happy Easter to you too Tilly, and to all the readers of your thread.

I'm too much of a night owl for early services, but our late morning service was good too. The sermon was linked to the one from Friday, which was excellent too.
[LydiaJ] ... seems to have her head screwed on... - wageslave
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# 6951
Tilly MFW in 6 YRS
Old 20-04-2014, 6:11 PM
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Evening, ok, who stole the sun

We managed to get a couple of hours of work in the garden, had chicken sandwiches for late lunch and then watched a James Bond movie

It has been pouring with rain for the last couple of hours and by that I mean POURING

Lydia, what are you going to do after you're MF? I've got a lot of thoughts going through my head regarding the future and how to plan the finances but all looking positive and I need to bide my time

I'd better get back in the kitchen as the Yorkshire are nearly ready (Mr Ts domain) and I need to serve (my domain)

Best wishes, Tilly x x x
2004 £387k 29 years - MF March 2033 2011 £309k 10 years - MF March 2021.
Goal: 28/09/15
House 1:value £525k, Outstanding Mort £173k
House 2: value Euro 400k, owned outright
Weight loss target 12/36 lbs
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# 6952
ljaneyr
Old 20-04-2014, 6:44 PM
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Quote:
Originally Posted by Tilly MFW in 6 YRS View Post
Evening, ok, who stole the sun

I was going to say 'I don't know, but whoever it was left a lot of water falling from the sky instead', but it seems you have it too!

It has been pouring with rain for the last couple of hours and by that I mean POURING
Pesky weather but hooray for relaxing in front of the TV on a Sunday afternoon
Finally bought a house 30/11/12! Renovation fund £4304/£15,000
Emergency fund £2400/£5000
Holiday fund 62%
Wedding fund £0/£3000
SPC1692 2012:£320
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# 6953
skint_spice
Old 20-04-2014, 9:38 PM
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We have had the sun in Scotland but please don't begrudge us it as that's been about five days now so that's probably our summer
MFW Original Mortgage End Date May 2029/Current April 2027
Mortgage OPs 2014 £1673/£2000
Kitchen Fund £787/£2000

MF Target £35K by 30/6/16 current £39.4K
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# 6954
Tilly MFW in 6 YRS
Old 20-04-2014, 9:55 PM
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Quote:
Originally Posted by skint_spice View Post
We have had the sun in Scotland but please don't begrudge us it as that's been about five days now so that's probably our summer

I'd never begrudge that

Best wishes, Tilly x x
2004 £387k 29 years - MF March 2033 2011 £309k 10 years - MF March 2021.
Goal: 28/09/15
House 1:value £525k, Outstanding Mort £173k
House 2: value Euro 400k, owned outright
Weight loss target 12/36 lbs
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# 6955
LydiaJ
Old 21-04-2014, 1:16 AM
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Quote:
Originally Posted by Tilly MFW in 6 YRS View Post
Lydia, what are you going to do after you're MF? I've got a lot of thoughts going through my head regarding the future and how to plan the finances but all looking positive and I need to bide my time
Hi Tilly

If my payout is what my lawyers say it should be, then there should be some money left over after paying off my "mortgage".

I'm going to start by replacing some things that are on their last legs and really need to go - the divan base of my bed has started to sag, and the mattress has sharp places on the edges where springs are sticking out sideways, for example, and most of my bedlinen has either ink stains or bleach spots on it. (The ink stains are because I do crosswords in bed if I can't sleep, and don't always remember to put the lid back on the pen before falling asleep!)

In a few years if I start to get my energy back, I'd like to have a bit of building work done to change the weird way that the entrance to my house is arranged. Should cost about £20k, and will add value to the house as well as making the entrance more convenient and the conservatory nicer to sit in. I won't do that straight away, though.

I'm going to give some to various charities, and the rest will get saved/invested to provide for the future (mine partly, but mainly my kids'). It will be nice to have a bit of capital in reserve, but I'm not expecting any difference to my net income or standard of living. ATM my "mortgage" payment to my dad each month is about the same as the child/working tax credits I have coming in. Once I'm not paying for the "mortgage" any more, I can save the tax credits as long as I carry on getting them, but that won't be for long and I won't qualify for universal credit at all, so the same level of frugality as now will continue to be appropriate. I'll probably divert the tax credits to pay straight into a savings account or something, to make sure I don't get used to having them without the payment to my dad going out.
[LydiaJ] ... seems to have her head screwed on... - wageslave

Last edited by LydiaJ; 21-04-2014 at 1:23 AM.
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# 6956
HelenDaveKids
Old 21-04-2014, 4:24 AM
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Can't wait to be mf, have already mentally prepared my list for Sept 16 onwards..
Savings first to be built back to safe levels
New-to-me car
New mattress (same reason.. mattress springs in my back!)
Driveway.. ran out of money post renovation and so temp job done with old slabs, looks well dodgey and doesn't do the job
Replace giz its and ebay make do items (New lounge furniture that matches)
New crockery, as have virtually nothing now without cracks chips..then New decent pans


Sooooo can't wait.... unfortunately will not be a lifestyle change as I enjoy mfw life to much... last time only managed a few years and bought bigger house......



Oh and help 3 daughters (now 15,13,11) through uni(hopefully)....
Morgage till Nov30 MFW Sept 2017 2016
MFiT-3(38) Aug11 -£100K April 14 £41.5k
New Year New Me 2014. Weight lost so far 2 Stone 4 lb
"A goal without a plan is just a wish"

Last edited by HelenDaveKids; 21-04-2014 at 4:28 AM.
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# 6957
Alchemilla
Old 21-04-2014, 6:52 AM
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Wow those are some lists!
53% LTV M £187, 706 O/P total £39.93
% 3.49 Monthly £1454.65 end 21/9/2027 fix expires 30/9/16
I need to get the end date closer to 2021.
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# 6958
Tilly MFW in 6 YRS
Old 21-04-2014, 7:07 AM
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Morning, it's great to see what plans people have for when they're MF - thanks for sharing. I think a new mattress may be at the top of our list

Ironing is beckoning

It's so foggy this morning I can't see the trees over the road - unbelievable. Hopefully it will clear soon.

Today will be a spendy day but only on plants

Freezer inventory done and I will sit down at some point this week and menu plan. Books of the month Economy Gastronomy (old favourite) and Casa Moro, plus two SW books.

Mr T has decreed there will be a trip to the tip today - I really dislike going on a bank holiday as its normally so busy but I'm in the office all day this week and not able to pop in during the day. Hang on though, I'm sure they open later from April onwards - I'll check I could pop in after work if that's the case.

4 items on the bay of despair. OK, not a lot but after my last baying experience I've been reluctant to put my toe in the water. Like everyone, I enjoy it when people pay but we had a couple of boogers trying it on last time. It put us off for months

Skint, I hope you have better weather than us this morning - it's cold, grey, foggy and the kids will be begging for the heating to go on

Have a good day, Tilly x
2004 £387k 29 years - MF March 2033 2011 £309k 10 years - MF March 2021.
Goal: 28/09/15
House 1:value £525k, Outstanding Mort £173k
House 2: value Euro 400k, owned outright
Weight loss target 12/36 lbs
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# 6959
muddywhitechicken
Old 21-04-2014, 8:13 AM
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Morning Tilly - foggy here too

Do you have specific plants in mind or are you going to wait and see what looks good at the garden centre? I may have bought some more plants online over the weekend... but I'm not fessing up in my diary until they arrive
Mortgage at highest (April 2008): ~£195,000
Agreed redemption date: April 2028
Outstanding balance: ~£113,750
Current total overpayments: £55,340.50
Target MFW date: December 2018
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# 6960
skint_spice
Old 21-04-2014, 8:37 AM
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Sunny at the moment Tilly but dark clouds, I have lots of washing to catch up on so hoping it stays dry for a while. DS planning a day of footie and the beach with friends so he will be furious if it rains

Enjoy your bank holiday everyone.
MFW Original Mortgage End Date May 2029/Current April 2027
Mortgage OPs 2014 £1673/£2000
Kitchen Fund £787/£2000

MF Target £35K by 30/6/16 current £39.4K
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