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  • FIRST POST
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 5th Nov 11, 9:12 PM
    • 7,603Posts
    • 84,967Thanks
    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 501
    • apple muncher
    • By apple muncher 4th Sep 16, 8:27 PM
    • 5,300 Posts
    • 38,595 Thanks
    apple muncher
    Tilly, your thread has reached 10k posts! Awesome!
    NST Dec #15; NSD 1; 2016 Pay off: £3512/£3980 (88.2%)
    2016 sell 431.75/1000

    Mortgage £33,979 (01/14: £78,201; 01/15: £59,629; 01/16 39,915) MFWDate Dec 2018
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 4th Sep 16, 9:00 PM
    • 7,603 Posts
    • 84,967 Thanks
    Tilly MFW in 6 YRS
    Ooh Apple, I hadn't realised it was at 9999 - was it driving you mad? What a lot of waffle but hopefully lots of good stuff too.


    Brilliant day - thoroughly enjoyed church then after dropping DD, we went off for our adventure.

    Due to be home by 9.30pm then definitely an early night.


    Night Tilly xxx
    2004 £387k 29 years - MF March 2033 2011 £309k 10 years - MF March 2021.
    Goal: 28/08/15
    • apple muncher
    • By apple muncher 4th Sep 16, 9:07 PM
    • 5,300 Posts
    • 38,595 Thanks
    apple muncher
    I didn't want to post and steal your 10000th post thunder!!
    NST Dec #15; NSD 1; 2016 Pay off: £3512/£3980 (88.2%)
    2016 sell 431.75/1000

    Mortgage £33,979 (01/14: £78,201; 01/15: £59,629; 01/16 39,915) MFWDate Dec 2018
    • Karmacat
    • By Karmacat 5th Sep 16, 9:29 AM
    • 26,544 Posts
    • 140,143 Thanks
    Karmacat
    I've been researching photovoltaic panels and how to use them without sending anything back to the grid. What a mine field this is.
    Originally posted by Tilly MFW in 6 YRS
    It sounds like you're having a wonderful time Tilly (though I'm sorry to hear of the prospect of weeping on the floor, even if it is clean ) but getting your own PV panels and keeping the elec for your own needs is very interesting to me too - I'll watch along with interest.

    Tilly, your thread has reached 10k posts! Awesome!
    Originally posted by apple muncher

    Save
    Retired August 2016

    Goal: earnings of £25k from new opportunities from September 2016 to December 2020 when my state pension kicks in.
    Currently: 86.53/25,000
    Save
    • brizzledfw
    • By brizzledfw 24th Sep 16, 11:56 AM
    • 6,301 Posts
    • 30,008 Thanks
    brizzledfw
    Hope alls OK Tilly and you are enjoying September xx
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    New debt: £10,000 0% ;
    Declutter 50 items before 31.12.16 xx/50 ** LSDs Target 10 for December 02/10 **AFDs 03/17
    **NSDs Target 6 for December 01/6
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 25th Sep 16, 3:23 PM
    • 7,603 Posts
    • 84,967 Thanks
    Tilly MFW in 6 YRS
    Hi Brizzle, having a brilliant month. Tons of plans in the making.

    I'm not sure where the month has gone.

    Food shopping this week £15

    For people wanting to grow veg - broad beans and garlic can be planted in October. Definitely sow some salad leaves and basil seeds popped into pots in the house will germinate and grow on a sunny window ledge.

    Just about to roast 1/2 a chicken, with a platter of roast veggies. I'm poaching the other half and using tomorrow night in a pasta bake. Project use up in the pasta/rice cupboard is under way. Noodles on Tuesday - probably in an Asian soup. Lasagne for Wednesday. Sushi rice (making veggie sushi rolls) for Thursday with salad from the garden. By Friday all the 'bits and pieces' will be finished and HM pizza is on the menu for dinner. I'm going on a bread making course

    DD and DS are both happy, settled and Mr T and I are having fun being a couple again. Loving it

    Off on holiday in a while and booked to go to Portugal for Christmas.

    Hope everyone is enjoying their journey- keep the Tilly Tidies going xxxx
    2004 £387k 29 years - MF March 2033 2011 £309k 10 years - MF March 2021.
    Goal: 28/08/15
    • greent
    • By greent 25th Sep 16, 3:57 PM
    • 5,203 Posts
    • 52,382 Thanks
    greent
    Life sounds lovely Glad DD & DS both settled

    xx
    Repaid mortgage early (originally 11/25) Bal 01/09 £124616 01/10 £104927 01/11 £89873 01/12 £76317 01/13 £52546 01/14 £35356 01/15 £12133 07/15 £NIL
    Now repaying BTL Mtge. Opening Bal £69786. Current Bal £68286
    Net sales in 2016 £778.60/£500
    Dec grocery spends £0/ £480 NSDs 4/12
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 28th Sep 16, 8:12 AM
    • 7,603 Posts
    • 84,967 Thanks
    Tilly MFW in 6 YRS
    Hi GreenT, how are you doing? Will pop over to visit your diary and catch up.


    We've had a bit of sad news - a house we wanted to buy has been snaffled up by someone else . However, on a happier note we have tracked down the original architect for our house abroad and are meeting him in October. As he managed the build he will know tons about the house already. YAY will make life much easier and he's well known by the local council (in a good way) which will be helpful too.

    Bit of a rocky day yesterday due to the house news but our DS is getting on well and loving his new life. Great to hear him talking about it. DD failed her driving test though (2nd) time. Proud that she is cracking on and taking more lessons and booking another test.

    Project use up is going well, lasagne saved for tonight - huge salad last night. I'm off to see my mum today and we are going to a nearby garden centre. She is doing brilliantly and I hope I'm still as active at her age.

    I've been thinking of dieting for months but I've finally knuckled down. 6lbs off for me and 9lbs for Mr T - only another *** to go

    Sun is shining, dogs are having a cuddle - on the bed It's bed changing day so I don't mind.

    Best wishes Tilly xxx
    2004 £387k 29 years - MF March 2033 2011 £309k 10 years - MF March 2021.
    Goal: 28/08/15
    • Watty1
    • By Watty1 28th Sep 16, 1:55 PM
    • 2,496 Posts
    • 17,628 Thanks
    Watty1
    Your last post was like a sunny day. All sounds so good - although sorry the house got snaffled another better one will turn up
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £68801
    • gallygirl
    • By gallygirl 29th Sep 16, 7:37 AM
    • 16,053 Posts
    • 105,263 Thanks
    gallygirl

    We've had a bit of sad news - a house we wanted to buy has been snaffled up by someone else .
    Originally posted by Tilly MFW in 6 YRS
    Aw rats .

    Good news on architect though .
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    Mortgage Balance = £0
    "Do what others won't early in life so you can do what others can't later in life"
    • brizzledfw
    • By brizzledfw 29th Sep 16, 8:35 AM
    • 6,301 Posts
    • 30,008 Thanks
    brizzledfw
    Me too.. So sorry to hear re the house but glad you're picking yourselves up about it. Sounds fab re the kids, and that you're not suffering in the least from empty nest syndrome!

    £15 on food shopping is awesome...well done too.

    I am indeed keeping up the TTs Captain Tilly....

    Over and out

    Brizz xx
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    New debt: £10,000 0% ;
    Declutter 50 items before 31.12.16 xx/50 ** LSDs Target 10 for December 02/10 **AFDs 03/17
    **NSDs Target 6 for December 01/6
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 29th Sep 16, 10:25 AM
    • 7,603 Posts
    • 84,967 Thanks
    Tilly MFW in 6 YRS
    Morning, project use up is going well. I'm almost at the point of opening my 'carb' cupboard and smiling. In case anyone thinks I'm mad - I fully appreciate that it means we will open more pasta, rice etc but I won't be looking at odds and sods which have been left behind


    I have kept this morning aside for financials I've Tilly Tidied 66p to a new savings pot - architect fees. Truly not sure whether an architect is required for a Reno but because we want to move walls - significantly on one side of the house - we both think he can probably conjure up more storage capacity and make it flow better than if I was drawing on a napkin

    I'm not sure we have a lodger, we never see him. He arrives around midnight, leaves early, stays 3 nights and we get paid £100 per week. What a joy.

    Mr T and I are spending time next week mind mapping what we've got going on. Our heads seem full of noise and we did a high level one a few weeks ago, it's time to take it down to another level of detail. On a happy note, I know what type of hob and extractor I want in the Reno - nothing like being distracted by fripperies

    Best wishes Tilly xx
    2004 £387k 29 years - MF March 2033 2011 £309k 10 years - MF March 2021.
    Goal: 28/08/15
    • apple muncher
    • By apple muncher 29th Sep 16, 4:53 PM
    • 5,300 Posts
    • 38,595 Thanks
    apple muncher
    Mind mapping is scary! I'm definitely a linear, listy sort of person and am in awe of mindmappers.
    NST Dec #15; NSD 1; 2016 Pay off: £3512/£3980 (88.2%)
    2016 sell 431.75/1000

    Mortgage £33,979 (01/14: £78,201; 01/15: £59,629; 01/16 39,915) MFWDate Dec 2018
    • ajmoney
    • By ajmoney 29th Sep 16, 8:53 PM
    • 4,733 Posts
    • 54,909 Thanks
    ajmoney
    Home for an extended weekend so getting to catch up on diaries. So glad your son is getting on well. I bet he is full of funny stories, making loads of friends and getting some amazing experiences and memories.
    2016 MFW No. 70 £3582.88/£3000
    MFiT-T4 No. 70 £7739.41/£329736
    Mortgage £132484.28 Savings £78272(ish)
    Total left to pay/save £54576.28

    • gallygirl
    • By gallygirl 29th Sep 16, 9:26 PM
    • 16,053 Posts
    • 105,263 Thanks
    gallygirl
    Truly not sure whether an architect is required for a Reno but because we want to move walls - significantly on one side of the house - we both think he can probably conjure up more storage capacity and make it flow better than if I was drawing on a napkin
    Originally posted by Tilly MFW in 6 YRS
    I have newspaper and sellotape if you want any .

    Best to get an architect - I don't want my ceiling falling in on me when I visit .

    Mind mapping is scary! I'm definitely a linear, listy sort of person and am in awe of mindmappers.
    Originally posted by apple muncher
    I used to do both - mind map the topics but do lists beneath the main headings. Not quite the genuine article
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    Mortgage Balance = £0
    "Do what others won't early in life so you can do what others can't later in life"
    • HelenDaveKids
    • By HelenDaveKids 29th Sep 16, 9:54 PM
    • 3,167 Posts
    • 21,101 Thanks
    HelenDaveKids
    Tilly

    Just catching up. Crikey to posts! Although no surprise, your tilly tiddies are now a legend

    xxx
    Morgage till Nov 30 GOAL MFW Sept 2016
    Aug 11 - £100k Aug 2016.... It's GONE!!!!!
    2014 GOAL HIT 5 Stone! 2016 GOAL to be a MF marathon runner.
    "A goal without a plan is just a wish"
    • Karmacat
    • By Karmacat 30th Sep 16, 9:27 AM
    • 26,544 Posts
    • 140,143 Thanks
    Karmacat
    Tilly, things sound wonderful. Are you planting basil seeds *now* to grow in the house over autumn and winter? Sounds good.

    Mind mapping is scary! I'm definitely a linear, listy sort of person and am in awe of mindmappers.
    Originally posted by apple muncher
    I'm linear too - mind maps look beautiful, but they're not useful to me though I like the sound of mind mapping at high levels and then making lists
    Retired August 2016

    Goal: earnings of £25k from new opportunities from September 2016 to December 2020 when my state pension kicks in.
    Currently: 86.53/25,000
    Save
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 2nd Oct 16, 8:02 AM
    • 7,603 Posts
    • 84,967 Thanks
    Tilly MFW in 6 YRS
    What lovely visitors

    We went house hunting yesterday - not terribly successful but we did learn what we definitely don't want, which I guess is good.

    We have met with architects previously but have not had much success - maybe we just chose the wrong ones but very little was forthcoming. Fortunately we were never billed.

    Walking the hounds soon and then off on a bike ride this afternoon.

    I hope everyone stayed dry yesterday - what a lot of rain


    Tilly xx
    2004 £387k 29 years - MF March 2033 2011 £309k 10 years - MF March 2021.
    Goal: 28/08/15
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 17th Oct 16, 4:03 PM
    • 7,603 Posts
    • 84,967 Thanks
    Tilly MFW in 6 YRS
    Afternoon

    Back in the UK and thankfully the sun was out when we landed.

    Good meeting with architect. Came to the house and had some excellent ideas. He also knows loads of people at the local council which will be helpful.

    Progress has already been made and we should have draft plans this week.

    I've done loads of gardening which always makes me happy. Walks on the beach, meals with great friends, all on all productive and therapeutic holiday.

    Hope everyone's plans are going well.

    Best wishes Tilly xx
    2004 £387k 29 years - MF March 2033 2011 £309k 10 years - MF March 2021.
    Goal: 28/08/15
    • brizzledfw
    • By brizzledfw 17th Oct 16, 5:09 PM
    • 6,301 Posts
    • 30,008 Thanks
    brizzledfw
    All sounding good Well done
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    New debt: £10,000 0% ;
    Declutter 50 items before 31.12.16 xx/50 ** LSDs Target 10 for December 02/10 **AFDs 03/17
    **NSDs Target 6 for December 01/6
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