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  • FIRST POST
    • misscousinitt
    • By misscousinitt 1st Mar 11, 1:49 PM
    • 3,522Posts
    • 20,320Thanks
    misscousinitt
    misscousinitt's MF Diary
    • #1
    • 1st Mar 11, 1:49 PM
    misscousinitt's MF Diary 1st Mar 11 at 1:49 PM
    Hi all

    I have posted on here before about becoming MF, but not alot was done as we had the wedding last year and that seemed to take up most of our time.

    We are debt-free, have savings and have a tiny mortgage compared to most (approx £19k) - but on a fixed rate of 6.29% until June 2012 - so not a huge scope for overpaying, but we want to make a start.

    Mortgage and house has now been transferred into both our names so I thought that it was now the best time for us to start overpaying.

    DH is on board, but as I deal with all the day to day money then it will fall to me to decide how much each OP will be and down to me to actually go and make them.

    I've only set a small target for this year - just £750; but we will see how it goes as we could overpay up to approx £1800 under the terms of the mortgage.

    Overall goal is get the mortgage down so when we do move we get into less debt. The ultimate goal will be MF by the time I'm 50 (11 years and 1 week!) but that will all depend on how big our next mortgage is and how circumstances change.

    First over-payment made yesterday of £70.
    Mortgage Free x 1 03.11.2012 - House rented out Feb 2016
    Mortgage No 2: £94730.06 (06.07.2017)
    OP's to Date £4000

    Renovation Fund:£944.75;
    Nectar Points Balance: £35.49
Page 125
    • misscousinitt
    • By misscousinitt 13th Jul 17, 1:33 PM
    • 3,522 Posts
    • 20,320 Thanks
    misscousinitt
    Thanks MWC! I'll take all the luck I can get

    School Fair has been cancelled Was really looking forward to it

    It's good for me in a way because of baking, but it is one fundraiser that me and the girls really love.

    So onward with baking tonight and tomorrow night - will be relieved when I don't have to do all this on an evening.

    Meal from freezer tonight - Pulled Pork - but not sure whether to do baguettes or a fried rice - will ask DH when I get home.

    MCI
    Mortgage Free x 1 03.11.2012 - House rented out Feb 2016
    Mortgage No 2: £94730.06 (06.07.2017)
    OP's to Date £4000

    Renovation Fund:£944.75;
    Nectar Points Balance: £35.49
    • shangaijimmy
    • By shangaijimmy 13th Jul 17, 7:01 PM
    • 2,000 Posts
    • 8,502 Thanks
    shangaijimmy
    Ooh, pulled pork baguettes. Lucky Mr Cousinitt!
    MFW: Turning June 2036 into March 2023...
    28//120 Payments Challenge, Diary Reduction £29,621.76
    Aug 2009: £163,051 // Current: £106,378.27 // Avg Daily Interest £4.78
    MFiT-T4 #8 - 42.45% of £41,000
    • EatingTheElephant
    • By EatingTheElephant 13th Jul 17, 7:29 PM
    • 1,041 Posts
    • 5,462 Thanks
    EatingTheElephant
    Your last day is coming around quick, hope they give you a good send off. Fantastic that you might get some opportunities from existing contacts too!
    • misscousinitt
    • By misscousinitt 14th Jul 17, 1:23 PM
    • 3,522 Posts
    • 20,320 Thanks
    misscousinitt
    One week to go - I can not quite believe it.

    Glad to be going away for a few days to clear my head.

    DH has been having a stressful week and I think with everything going on with me it's just made it worse. We had a chat this morning and all is well.

    I have reassured him that I have checked the figures over and over again! And we will be fine and it shouldn't impact on his money at all (unless something drastic happens). So all good there. I think he just wants it all to start so we can establish our new routine - not long to go now - it will be here before we both know it!

    HM Pizza using flatbreads tonight - you can tell it's market week as most of our evening meals are not so healthy - that will change when I can bake during the day.

    Hope everyone has a great weekend.

    MCI
    Last edited by misscousinitt; 14-07-2017 at 1:29 PM.
    Mortgage Free x 1 03.11.2012 - House rented out Feb 2016
    Mortgage No 2: £94730.06 (06.07.2017)
    OP's to Date £4000

    Renovation Fund:£944.75;
    Nectar Points Balance: £35.49
    • misscousinitt
    • By misscousinitt 14th Jul 17, 1:28 PM
    • 3,522 Posts
    • 20,320 Thanks
    misscousinitt
    Ooh, pulled pork baguettes. Lucky Mr Cousinitt!
    Originally posted by shangaijimmy
    They were delicious - a lot more so than anticipated - just hit the spot!

    Your last day is coming around quick, hope they give you a good send off. Fantastic that you might get some opportunities from existing contacts too!
    Originally posted by EatingTheElephant
    We are going out on Tuesday and I know they have got me at least one present (as they asked me what I wanted). Sad, exciting and scary all at the same time.

    Had a chat with another supplier yesterday who is enthusiastic about what I am doing and is going to make sure that he comes to see me. I am amazed and humbled by peoples responses to me leaving engineering. (I think a few of them feel the same as me to be fair - but it isn't always a choice you can make).

    MCI
    Mortgage Free x 1 03.11.2012 - House rented out Feb 2016
    Mortgage No 2: £94730.06 (06.07.2017)
    OP's to Date £4000

    Renovation Fund:£944.75;
    Nectar Points Balance: £35.49
    • misscousinitt
    • By misscousinitt 19th Jul 17, 2:18 PM
    • 3,522 Posts
    • 20,320 Thanks
    misscousinitt
    2 more sleeps...

    MCI
    Mortgage Free x 1 03.11.2012 - House rented out Feb 2016
    Mortgage No 2: £94730.06 (06.07.2017)
    OP's to Date £4000

    Renovation Fund:£944.75;
    Nectar Points Balance: £35.49
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