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  • FIRST POST
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 5th Nov 11, 9:12 PM
    • 7,756Posts
    • 86,549Thanks
    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 508
    • brizzledfw
    • By brizzledfw 14th May 17, 8:12 PM
    • 7,159 Posts
    • 34,773 Thanks
    brizzledfw
    Definitely worth thinking about an Aldi alternative!!!

    Have a great week Tilly x
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    Winter 17/18 Savings Rate Goal: 25% [October 30%]
    Declutter 200 items before 31.01.18 xx/200 ** LSDs Target 10 for Winter 0x/10 **AFDs xx/15 ** Sales Target '17 £750 £225 so far
    **NSDs Target 10 for Winter xx/10 Trying to be a Frugalista
    • Secret Saving Squirrel
    • By Secret Saving Squirrel 14th May 17, 9:19 PM
    • 3,938 Posts
    • 36,309 Thanks
    Secret Saving Squirrel
    Absolutely no contest!
    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
    • chumpy45
    • By chumpy45 16th May 17, 5:37 PM
    • 315 Posts
    • 1,366 Thanks
    chumpy45
    Just catching up with your diary. Wow, lots of exciting stuff occurring with you. Glad you are all settled in your new home, sounds fab. Brilliant Aldi bargains too. Just need some more sunshine now to try them out (she says watching the rain come down again )
    Starting Mortgage 01.08.08 £171,209.24. Mortgage as at 01.09.15 - £54,780.04; 01.11.15 £49,577.04;01.03.16 £45,799.32; 01.08.16 £42,418.93; 01.10.16 £40,119.5 01.02.17 £36,584.00; 01.04.17 £34,694.71 09.06.17 £32,828.89 MFW Target date Sept 2017;
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 18th May 17, 8:06 AM
    • 7,756 Posts
    • 86,549 Thanks
    Tilly MFW in 6 YRS
    Thanks for dropping by chums - yep saving £4.3k was a bit of a no brainer but the original solution would have been so elegant. Anyhoo decision taken. I just have to go to every Aldi in the area to ensure I can buy three brollies - no pressure

    Island units are here now waiting for final confirmation on fitting date. Guaranteed to be before Sunday night . Marvellous but we were planning on a very long walk on Saturday. Island wins though and our plans will have to switch if necessary.

    Worksurface chap will come over and measure up and use his gadgets to map out the corners - all sounds technical to me - he then needs a few days to cut, deliver and fix. Fingers crossed I have a working island in two weeks. We are having two tops made for trolley type items we have. Just need to paint the bases then he can fix those too.

    Off to have a cuppa now.

    Best wishes Tilly xx
    2004 £387k 29 years - MF March 2033
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 21st May 17, 3:15 PM
    • 7,756 Posts
    • 86,549 Thanks
    Tilly MFW in 6 YRS
    'Guaranteed to be before Sunday night'

    Remind me always to check which Sunday
    2004 £387k 29 years - MF March 2033
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 22nd May 17, 8:19 PM
    • 7,756 Posts
    • 86,549 Thanks
    Tilly MFW in 6 YRS
    Island update - may be fitted tomorrow- won't hold my breath but fingers crossed.

    Work surface will be another week or so but until I unusual and is done I can't organise the guy to come over.

    £230 Of eBay sales in the bag

    Important news I weighed myself this morning - I have lost 1 stone over the last 6 months. Ok I still have another 2 to go but heading in the right direction.

    Happy days, Tilly xx
    2004 £387k 29 years - MF March 2033
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 23rd May 17, 7:45 AM
    • 7,756 Posts
    • 86,549 Thanks
    Tilly MFW in 6 YRS
    What sadness to wake up to.

    With Trump pontificating in the ME right now

    We have home grown terrorists. With the education and opportunities available to all in the U.K. this is the thanks the country and its people receive.

    RIP and condolences to anyone personally impacted by last night.

    Tilly
    2004 £387k 29 years - MF March 2033
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15
    • Karmacat
    • By Karmacat 23rd May 17, 9:21 AM
    • 28,185 Posts
    • 155,291 Thanks
    Karmacat
    So true, Tilly, I woke up to it too, didn't know last night. Utterly, utterly horrible.
    Retired August 2016
    • chumpy45
    • By chumpy45 23rd May 17, 3:48 PM
    • 315 Posts
    • 1,366 Thanks
    chumpy45
    I so agree, truly shocking news, just can't believe it.
    Starting Mortgage 01.08.08 £171,209.24. Mortgage as at 01.09.15 - £54,780.04; 01.11.15 £49,577.04;01.03.16 £45,799.32; 01.08.16 £42,418.93; 01.10.16 £40,119.5 01.02.17 £36,584.00; 01.04.17 £34,694.71 09.06.17 £32,828.89 MFW Target date Sept 2017;
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 27th May 17, 11:03 PM
    • 7,756 Posts
    • 86,549 Thanks
    Tilly MFW in 6 YRS
    Evening, quick update - I have most of an island but no work surface yet. I am reliably informed it will be fitted on Tuesday but I am not holding my breath. We have filled it though which means all my cupboards are sorted - happy days.

    Glorious couple of days until today. We managed to eat breakfast outside but shortly afterwards it poured

    Had a Rupert Bear adventure day and loved it. Also walked down the road and bought six coloured eggs and six duck eggs for £2 - from a neighbour 😊

    Night Tilly xx
    2004 £387k 29 years - MF March 2033
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15
    • atypicalblonde
    • By atypicalblonde 28th May 17, 6:40 AM
    • 2,556 Posts
    • 16,419 Thanks
    atypicalblonde
    Really pleased the island is almost sorted

    Eggs bought from neighbours gates are, in our experience, the best ever - very bright yolks and often double yolks too!

    Have a marvellous day xx
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 17.11.17 - £119,999.04
    Aiming to be MF 1.10.2020
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 31st May 17, 9:09 AM
    • 7,756 Posts
    • 86,549 Thanks
    Tilly MFW in 6 YRS
    Morning

    OK I know we have general election fever, Trump's World Tour etc but in more important news - I HAVE A FULLY FUNCTIONING ISLAND YAY

    I may also have a hedge between us and our neighbours tonight

    ATypicalBlonde - Hope all is well with you and yours xx


    Best wishes Tilly xx
    2004 £387k 29 years - MF March 2033
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15
    • greent
    • By greent 31st May 17, 9:26 AM
    • 6,515 Posts
    • 65,746 Thanks
    greent
    - I HAVE A FULLY FUNCTIONING ISLAND YAY
    Originally posted by Tilly MFW in 6 YRS
    Finally!

    Hope everything else is well in Tilly-world
    xx
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 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
    Next: BTL Mtge 12/16 £69786. 2017 OPs (#18) £5278/£3286
    Net sales 2017 £1445.57/£500 PAYDOX17 £12239/£10k Decluttered 1870/2017 items
    • Fortune Smiles
    • By Fortune Smiles 31st May 17, 10:49 AM
    • 2,599 Posts
    • 21,426 Thanks
    Fortune Smiles
    Yay! New island

    Fortune x
    Mortgage: 2.4% paid House Deposit Contribution: 88% Emergency Fund: 57%

    All we have to decide is what to do with the time that is given to us - J R R Tolkein
    • apple muncher
    • By apple muncher 31st May 17, 8:09 PM
    • 6,654 Posts
    • 48,779 Thanks
    apple muncher
    Maybe Trump could come and visit your island...!
    NST DDD#1; NSD 9/15; Ex 4/12; craft 11/30 (267); remove 6/31 (601)
    2017 MFW#63 Pay off: £3708/£4050; 2
    017 sell 351

    Mortgage £23,486 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 31st May 17, 8:40 PM
    • 7,756 Posts
    • 86,549 Thanks
    Tilly MFW in 6 YRS
    Maybe Trump could come and visit your island...!
    Originally posted by apple muncher
    Noooooooooooooo

    I may have nightmares now
    2004 £387k 29 years - MF March 2033
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15
    • gallygirl
    • By gallygirl 31st May 17, 10:17 PM
    • 16,460 Posts
    • 107,867 Thanks
    gallygirl
    Happy New Island Day .
    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"
    • edinburgher
    • By edinburgher 1st Jun 17, 8:22 AM
    • 10,764 Posts
    • 56,365 Thanks
    edinburgher
    Tilly is the 0.001% - bragging about owning an island
    • brizzledfw
    • By brizzledfw 1st Jun 17, 9:21 PM
    • 7,159 Posts
    • 34,773 Thanks
    brizzledfw
    Yep I'd like the island but you can keep Trump

    PS. Up to p.109
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    Winter 17/18 Savings Rate Goal: 25% [October 30%]
    Declutter 200 items before 31.01.18 xx/200 ** LSDs Target 10 for Winter 0x/10 **AFDs xx/15 ** Sales Target '17 £750 £225 so far
    **NSDs Target 10 for Winter xx/10 Trying to be a Frugalista
    • littlefred169
    • By littlefred169 4th Jun 17, 3:43 AM
    • 200 Posts
    • 1,829 Thanks
    littlefred169
    Ive been MIA for a few years and I've been catching up on diaries I read before!

    Many congratulations on becoming mortgage free and I hope everything is going well with the downsize move and that the continental move will goes as smoothly. I hide DD is still enjoying uni and that DS is getting along well in the forces.

    LF x
    Original MF Date = July 2034
    Current MF Date = January 2029 but I'd like it to be April 2025
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