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  • FIRST POST
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 5th Nov 11, 9:12 PM
    • 7,411Posts
    • 82,902Thanks
    Tilly MFW in 6 YRS
    Countdown to Freedom
    • #1
    • 5th Nov 11, 9:12 PM
    Countdown to Freedom 5th Nov 11 at 9:12 PM
    A new diary as we enter the last two months of 2011. I have been lurking for almost a year and have found so many of you inspirational, particularly Billy, Michelle, Radish, and Museum Worker.

    A bit of background I am married to a great man, two kids who are growing up too quickly, two cats and a dog! Never a dull moment in our household as you can imagine.

    I had my LB moment 12 months ago and started to work on my husband to bring him round as I thought we both needed to be on board to tackle this project. I have just asked him when he had his LB moment and he said 'when you told me I had' however he swiftly followed this up with 'when I realised we would never reduce the mortgage whilst battling with 'the large Spanish bank'!

    To set the stage for where we are and where we are aiming for:
    Current mortgage £312000 and I wince as I type the number, with the outstanding mortgage due to finish in 10 years. Aim is to clear the mortgage in 6 years. We are fortunate that we are both employed on good salaries however in this day and age who knows how long that will last.
    Onwards and upwards, my next post will be to build a picture of how I/we have put into practice all the things learnt from you great people.

    Thanks for reading and I hope some day I can inspire others the way some of you have inspired me/us.
Page 488
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 6th Feb 16, 9:36 PM
    • 7,411 Posts
    • 82,902 Thanks
    Tilly MFW in 6 YRS
    Have a lovely trip - is it just you or are any of the family going with you?


    xx
    Originally posted by greent
    Just me

    Air smells gorgeous, clear sky and I've been star spotting. Glass of rose by my side and I've cooked salmon and had a salad.

    Church tomorrow, dinner out tomorrow night. Long walk on the beach Monday morning.

    I'm home

    Tilly x x
    2004 £387k 29 years - MF March 2033 2011 £309k 10 years - MF March 2021.
    Goal: 28/08/15
    House 1:value £630k, outstanding Mort £10
    House 2: value Euro 400k, owned outright
    • Lexi-lu
    • By Lexi-lu 7th Feb 16, 4:30 PM
    • 105 Posts
    • 540 Thanks
    Lexi-lu
    Hello Tilly

    That sounds perfect! Enjoy your trip.

    LL
    Mortgage Balance £75,459
    MFiT-T4 #43
    • Secret Saving Squirrel
    • By Secret Saving Squirrel 7th Feb 16, 4:39 PM
    • 3,423 Posts
    • 31,934 Thanks
    Secret Saving Squirrel
    Sounds heavenly Tilly. Have a lovely break x
    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
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 8th Feb 16, 3:18 PM
    • 7,411 Posts
    • 82,902 Thanks
    Tilly MFW in 6 YRS
    Afternoon, warm but cloudy day. Gas bottle sorted out and being delivered on Thursday.

    Looks like we won't need to knock the house down and rebuild, a renovation and extension will be ok. Underfloor heating, new wood burning stove, three ensuites with one shower room/guest loo, new kitchen.

    I can reuse some of the kitchen cupboards in utility area but they will be painted, currently dark brown - real wood.

    We will end up with three bedrooms/en suites, guest shower/loo, a TV/study/bed settee room, sitting/dining room, kitchen, plus garage/pump room.

    Kitchen will be smaller but as I think it's far too big right now, that's fine.

    Workmen pitched up today not tomorrow and have started work on the roof. There is a problem with solar hot water and timer.

    Guys coming this week to quote for fencing job. It's a four acre plot and already fenced but on one side the cement uprights have come adrift a little and we have a slight 'leaning tower of Pisa' thing going on. I'm getting two quotes and the work will be 'famous last words' complete by end of March. As they will need to bring a digger, the whole lot will be fixed in the same day.

    New water softener is fitted

    Kitchen will have windows on two sides and u shaped, with space for a small table. Sitting room will be pushed out to incorporate the hall. The fireplace is offset at the moment and increasing the size will mean we will have room for a big dining table from the UK, and the fireplace will be a feature in the sitting end of the room. No TV - that will be in the study type room.

    All internal walls will be changing apart from the main load bearing one. The bedrooms all have built in wardrobes which are ridiculously huge - they are coming out. As the bedrooms are all fairly large, reducing them will help to make them cozy, give room for shower rooms, and mean they will all face the garden.

    Patio area will be extended with a pergola as well as the current over hang. New patio to be built with better/thicker slabs.

    Bread/pizza oven to be built with a work surface and BBQ. Current BBQ/shower/loo area will become a storage room for the veggie garden.

    I'm meeting an architect to discuss the internal changes and he will handle the approvals.

    We can't move until I'm 55 and take my pension but we can get all the plans complete and approval process started in the meantime. If things go according to plan, I may be project managing it.

    I'm thinking hard about the kitchen and shower rooms - easy access to fix things when they break, rather than rip tiles off for example. Plus we don't want fancy suites - if something fails we want to be able to pop down to the DIY shop and buy a 'bit' to fix it, not call in plumbers.

    Right, that's all for now. I need to make coffee for the boys on the roof.

    Tilly x x
    Last edited by Tilly MFW in 6 YRS; 08-02-2016 at 3:21 PM.
    2004 £387k 29 years - MF March 2033 2011 £309k 10 years - MF March 2021.
    Goal: 28/08/15
    House 1:value £630k, outstanding Mort £10
    House 2: value Euro 400k, owned outright
    • brizzledfw
    • By brizzledfw 8th Feb 16, 3:37 PM
    • 5,668 Posts
    • 26,688 Thanks
    brizzledfw
    Wow Tilly - all sounds great.

    And love the idea of a summer kitchen/oven thingy

    Xx
    MFiT-T4 Member No. 96 - 2021 is my MF goal
    Save £12k in 2016 Member No.12 £5190.93/12k
    Declutter 50 items before 30.04.16 71/50 **
    NSDs 6/April** Sales Target 30.04.16 £xx/£50
    Livin' the dream
    • Watty1
    • By Watty1 8th Feb 16, 4:53 PM
    • 2,136 Posts
    • 15,440 Thanks
    Watty1
    Loving the sound of the plans
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0

    Jan 2016 Started saving to clear next mortgage, Target: £50,000 Total saved so far: £5555
    • Polly Wolly Doodle
    • By Polly Wolly Doodle 8th Feb 16, 5:41 PM
    • 990 Posts
    • 3,684 Thanks
    Polly Wolly Doodle
    Sounds wonderful Tilly, what about a maid's room, you'll need one for all the cleaning!! I'm just jealous xxx
    Mortgage £209,352.54 + £295 redemption admin charge.
    OPs this month: nil
    Car Fund £3,712.35
    • Karmacat
    • By Karmacat 8th Feb 16, 6:35 PM
    • 25,289 Posts
    • 128,419 Thanks
    Karmacat
    It sounds so wonderful, Tilly! All that space (and those oranges ) and the idea of being able to fix minor things yourselves is brilliant. Definitely agree with an outside processing area - thats what my relatives in Zimbabwe did, and my smallholder friend in eastern England.
    Retiring 26.8.2016

    • muddywhitechicken
    • By muddywhitechicken 8th Feb 16, 7:23 PM
    • 3,330 Posts
    • 30,706 Thanks
    muddywhitechicken
    Wow - it is going to be glorious Tilly

    MWCx
    Mortgage at highest (April 2008): ~£195,000
    Agreed redemption date: April 2028
    Outstanding balance: <£60,000
    Current total overpayments: >£98,250
    Target MFW date: December 2018
    • apple muncher
    • By apple muncher 8th Feb 16, 8:55 PM
    • 4,718 Posts
    • 34,358 Thanks
    apple muncher
    If you do incorporate a maid's room, I'd like to apply for the job . (Though my portuguese is a little rusty...)
    NST April #4; 2016 stretch 931.12 (423.36)
    NSD 18/20; food £125/£220; travel £36/£100; ex 17/20; remove 65/50; sell 118.5/1000; lost 6

    Mortgage £37,870 (01/14: £78,201; 01/15: £59,629; 01/16 39,915) MFWDate Dec 2018
    • Thistlewhistle
    • By Thistlewhistle 8th Feb 16, 11:50 PM
    • 982 Posts
    • 7,086 Thanks
    Thistlewhistle
    Sounds idyllic. Relaxation! Now I could do with some of that!!

    Tx
    Mortgage at end 05/2007: £90,202
    Mortgage at end 01/2016: £80,101 paid £10,101 (11.12%)
    Daily interest: £9.96
    MFD: 09/2031 saving 11yr 4 mth

    Credit Card Debt (0% until 03/2017): £3,900 : £2,650 paid off (67%)
    Emergency Fund Challenge #42: £2,500/£5,000 (50%)

    Age of Money at 29/02/2016 = 56 days

    YNAB is changing the way I live my life....and spend my money!!
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 9th Feb 16, 12:03 AM
    • 7,411 Posts
    • 82,902 Thanks
    Tilly MFW in 6 YRS
    This MFW lark really does bring choice and I am extremely grateful to have found it when I did.

    Just back in from dinner with friends. German friends yesterday, South African tonight, English Wednesday. I am feeling quite cosmopolitan My German is rusty but I found it improved after a few glasses of grape juice.

    Oooh a maid's room - nope, definitely can't have one of those, Mr T would put me in it

    I'm off to check out cars on Monday. Not to buy one but Mr T has asked me to do some price checking and the dealerships are handily, all in one road. That should keep me busy for a while.

    Tomorrow night I'm staying in. I'll be lighting the fire, making butternut squash soup and I have a girlfriend coming over to watch a film.

    I'm going to have a glass of port, catch up on NCIS, then off to bed.

    Night Tilly x x
    2004 £387k 29 years - MF March 2033 2011 £309k 10 years - MF March 2021.
    Goal: 28/08/15
    House 1:value £630k, outstanding Mort £10
    House 2: value Euro 400k, owned outright
    • CathT
    • By CathT 9th Feb 16, 7:32 AM
    • 4,448 Posts
    • 30,672 Thanks
    CathT
    You could write a book Tilly based on your journey, renovations and eventual move to the sun.
    [CENTER]June 2010 £121,287
    April 2016 £88,659
    WIOTW Apr £97,306
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 9th Feb 16, 1:47 PM
    • 7,411 Posts
    • 82,902 Thanks
    Tilly MFW in 6 YRS
    IT'S POURING

    My washing won't dry on the line today - fire lit instead

    BNS soup made, two sticks rubbed together to start a fire ok, I used matches instead.

    Tilly x x
    2004 £387k 29 years - MF March 2033 2011 £309k 10 years - MF March 2021.
    Goal: 28/08/15
    House 1:value £630k, outstanding Mort £10
    House 2: value Euro 400k, owned outright
    • Teacher2
    • By Teacher2 10th Feb 16, 10:58 AM
    • 328 Posts
    • 1,713 Thanks
    Teacher2
    Having seen your many posts on Secret Saving Squirrel's site I had a 'quick' look at your 'journey' to mortgage freedom. I say quick, but have spent an hour browsing to get from day one in 2011 up until the present time - and skipped a fair few pages except for the last year's.

    What an achievement. I have noticed a coincidence of character and resilience in the Mortgage Free Wannabe posters. Also, generally, partners seem to be on board with the paying-off project as I suppose it wouldn't work otherwise. There is a wealth of really good financial advice from others and endless support and encouragement from the online viewers and posters.

    I thought your posts about the poor dog which was run over were very vivid and the mouse episode likewise (though somewhat more lighthearted).

    Good luck with the house project which sounds like very hard work. My DH isn't a natural handyman!
    • misscousinitt
    • By misscousinitt 10th Feb 16, 1:41 PM
    • 3,009 Posts
    • 17,078 Thanks
    misscousinitt
    The plans sound absolutely fantastic Tilly!

    Be you can't wait to get cracking!

    MCI x
    Mortgage Free x 1 03.11.2012
    Mortgage No 2: £103,049.51
    Renovation Fund:£1072.75; Kitchen Fund (including re-wiring): £9320.75; Roof Fund £5000.00
    Nectar Points Balance: £24.63
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 11th Feb 16, 7:58 AM
    • 7,411 Posts
    • 82,902 Thanks
    Tilly MFW in 6 YRS
    Morning, more men coming this morning. Gas man and electricians. I need to go and open the gate as I have no clue what time they'll start to pitch up.

    My Fitbit has been replaced and I need to get back into the habit of wearing it.

    The well is extremely full at the moment. It is about two feet from the top Do I need to worry that it may overflow? The forecast is not great until Sunday when it should dry up. At least it means there will be sufficient water for the summer. I always worry and we will go onto mains water when the house is renovated. However right now, our water is free. We need to figure out how we can 'turn on' the mains water, only when the well is very low. I'll leave that to the professionals.

    Mr T sent me photographs overnight of Jupiter and four moons. He apparently set the camera up and was having a photo shoot at 1am

    Right, I had better get ready as the gate won't open itself - it will post renovations

    Tilly x x
    2004 £387k 29 years - MF March 2033 2011 £309k 10 years - MF March 2021.
    Goal: 28/08/15
    House 1:value £630k, outstanding Mort £10
    House 2: value Euro 400k, owned outright
    • Karmacat
    • By Karmacat 11th Feb 16, 9:07 AM
    • 25,289 Posts
    • 128,419 Thanks
    Karmacat
    Hope all the works go well, Tilly.

    Your OH saw the convergence! Excellent I'd given up, but there's still another week to go before they fall noticeably out of alignment
    Retiring 26.8.2016

    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 11th Feb 16, 7:15 PM
    • 7,411 Posts
    • 82,902 Thanks
    Tilly MFW in 6 YRS
    Mr T also sent a great tracking pic of the ISS crossing over in the UK.

    Karmacat, I'll mail both to you when I'm home. I can't access my mail from my phone at the moment.

    Anyway, I'd better get cracking, I'm off out to a jam session. I'm really hoping it's the music variety

    Tilly x x
    2004 £387k 29 years - MF March 2033 2011 £309k 10 years - MF March 2021.
    Goal: 28/08/15
    House 1:value £630k, outstanding Mort £10
    House 2: value Euro 400k, owned outright
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 12th Feb 16, 8:35 AM
    • 7,411 Posts
    • 82,902 Thanks
    Tilly MFW in 6 YRS
    Morning, in bed by 2am this morning, off to west coast which has spectacular scenery this morning, meeting a friend over there for lunch, then back home to freshen up then out to a party. I am definitely having a lie in tomorrow

    Need to grab some breakfast and I've Tilly Tidied 99p to Future pot.

    Tilly x x
    2004 £387k 29 years - MF March 2033 2011 £309k 10 years - MF March 2021.
    Goal: 28/08/15
    House 1:value £630k, outstanding Mort £10
    House 2: value Euro 400k, owned outright
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