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  • FIRST POST
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 5th Nov 11, 9:12 PM
    • 7,755Posts
    • 86,521Thanks
    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 512
    • Secret Saving Squirrel
    • By Secret Saving Squirrel 22nd Aug 17, 11:06 PM
    • 3,929 Posts
    • 36,200 Thanks
    Secret Saving Squirrel
    Sorry to hear that you have been unwell, Tilly. Fingers crossed for a speedy recovery. Also glad to hear that they younger Tillies are doing well. Good luck with the move to self employment or consultancy. I am finding that Full time retirement is still a bit too much for me in my fifties - so this is a route that I am considering too.
    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 3rd Sep 17, 9:48 PM
    • 7,755 Posts
    • 86,521 Thanks
    Tilly MFW in 6 YRS
    Evening, quick catch up as September is here. This year has flown by.

    Health back to normal.

    Fossa savings going well. £121 on eb@y sales this weekend and all bar one have been collected and paid. £90 in S&S which I'll convert to vouchers then transfer funds to savings pot.

    Lovely to see that Tilly Tidies are being so widely used and long may it continue. Those pennies really do mount up

    Weight loss is at 19lbs

    September is going to be a frugal month and freezer, fridge and larder will be bare by the end. I'm getting ready to batch cook for autumn thus having a clear out. Shopping budget is £15 for this week

    We lit a fire tonight

    Night, Tilly xxxx
    2004 £387k 29 years - MF March 2033
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15
    • apple muncher
    • By apple muncher 4th Sep 17, 7:02 PM
    • 6,521 Posts
    • 47,723 Thanks
    apple muncher
    So glad to read 'health is back to normal'. Long may it continue x
    NST November #; NSD ?/17; Ex ?/12; craft 18/30 (247); remove 601
    2017 MFW#63 Pay off: £3484/£4050; 2
    017 sell 174

    Mortgage £23,486 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • MoneyMission
    • By MoneyMission 5th Sep 17, 7:27 AM
    • 601 Posts
    • 2,980 Thanks
    MoneyMission

    We lit a fire tonight
    Originally posted by Tilly MFW in 6 YRS
    I'm tempted to light a fire this evening if only to help dry some washing. It's too darned damp and wet laundry is hanging around everywhere.

    Glad your health is back to normal. xxx
    MFW 2017 challenge (No.39) £4,212.00 / £3,450.00 (122.09%)
    MFW 2016 challenge (No. 39) £3,791.00 / £3,300.00 (114.88%)
    • brizzledfw
    • By brizzledfw 8th Sep 17, 3:43 PM
    • 7,156 Posts
    • 34,729 Thanks
    brizzledfw
    Glad you're feeling better - well done
    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
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 28th Sep 17, 1:56 PM
    • 7,755 Posts
    • 86,521 Thanks
    Tilly MFW in 6 YRS
    A little taking stock.....

    I gave myself a target of focussing on weight in a similar fashion to the mortgage. It is working. Down 27lbs . Slow and steady but each week is either staying the same or going down

    I am enjoying a delicious day alone. The last few months have been frantic with family, social commitments, exploring and walking our new area and supporting my mum. It is a real delight and I'm listening to Benedict Cumberbatch in Radio 4s Rumpole of the Bailey

    Chores are done, financials are up to date, just need to make HM burgers. Burgers, salad and a few sweet potato wedges this evening.

    Lovely feeling of peace.

    Best wishes Tilly xx
    2004 £387k 29 years - MF March 2033
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15
    • Watty1
    • By Watty1 28th Sep 17, 3:33 PM
    • 2,863 Posts
    • 19,892 Thanks
    Watty1
    Sounds perfect Tilly
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £27152
    • greent
    • By greent 28th Sep 17, 3:41 PM
    • 6,416 Posts
    • 64,772 Thanks
    greent
    Sounds lovely, Tilly - and well done on the fab weight loss
    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) £5034/£3286
    Net sales 2017 £1214.99/£500 PAYDOX17 £11937/£10k Decluttered 1730/2017 items
    • indianabones
    • By indianabones 16th Oct 17, 9:46 PM
    • 193 Posts
    • 198 Thanks
    indianabones
    105k mortgage taken almost a year ago. Paid off 2300 so far, interest charged so far is 1906.


    These bankers will be going to hell for sure. Interest is one of the great evils of this world. The rich getting richer.


    I'm hoping to get a new job soon and hopefully I can start eating away at my mortgage with overpayments. But it's difficult with the constant costs in day to day life.
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 8th Nov 17, 4:28 PM
    • 7,755 Posts
    • 86,521 Thanks
    Tilly MFW in 6 YRS
    I’d better get the duster and polish out and clean my diary

    Loving our life and the amount of time we spend walking and visiting new places. Really makes for a fun life.

    We had a good time with Mr and Mrs MuddyWhiteChicken recently although I may need to buy her dinner when I see her next. The 7 course tasting menu perhaps required fish and chips afterwards

    Our artisan bread course has been cancelled by the local college. A bit frustrating but not to worry. I will definitely book elsewhere but in spring next year; as we aren’t eating bread at the moment, it won’t be missed.

    Weight loss is going well and I’ve lost 36 lbs now. No moments of hunger or irritation just low carb and it works.

    I’m starting the Christmas planning. Odd to think that years ago I would have had everything purchased and wrapped by now. It is lovely to have the real luxury of time.

    Woodwick candles have been on offer in a local garden centre and I’ve stocked up. I have a Sainsbobs voucher to use up £9/£60 spend so definitely worth having. Will check what cleaning products are on offer. Love having a cleaner and the difference up here to down south -she turns up regularly and works hard .

    Edited to add - I’m training as a CAP money coach. Really happy to be able to give back x

    I hope everyone is in good health and living every day to the full.

    Very best wishes Tilly ��
    Last edited by Tilly MFW in 6 YRS; 08-11-2017 at 5:32 PM.
    2004 £387k 29 years - MF March 2033
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15
    • apple muncher
    • By apple muncher 8th Nov 17, 7:53 PM
    • 6,521 Posts
    • 47,723 Thanks
    apple muncher
    Yay! Tilly is going to be a CAP money coach! Go girl!
    NST November #; NSD ?/17; Ex ?/12; craft 18/30 (247); remove 601
    2017 MFW#63 Pay off: £3484/£4050; 2
    017 sell 174

    Mortgage £23,486 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • muddywhitechicken
    • By muddywhitechicken 8th Nov 17, 8:43 PM
    • 3,792 Posts
    • 34,598 Thanks
    muddywhitechicken
    We had a good time with Mr and Mrs MuddyWhiteChicken recently although I may need to buy her dinner when I see her next. The 7 course tasting menu perhaps required fish and chips afterwards
    Originally posted by Tilly MFW in 6 YRS
    Tasty food and fabulous company but a piece of bread is not a course
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: ~£41,500
    Current total overpayments: ~£116,750
    • Secret Saving Squirrel
    • By Secret Saving Squirrel 9th Nov 17, 8:56 PM
    • 3,929 Posts
    • 36,200 Thanks
    Secret Saving Squirrel
    Well done on the weight loss. Brilliant result!
    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 9th Nov 17, 9:26 PM
    • 7,755 Posts
    • 86,521 Thanks
    Tilly MFW in 6 YRS
    OMG Mr T is test driving a Bentley tomorrow. Sexy sporty one but what a mid life crisis. How do I tell him he can only have a Golf
    2004 £387k 29 years - MF March 2033
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15
    • brizzledfw
    • By brizzledfw 10th Nov 17, 7:45 AM
    • 7,156 Posts
    • 34,729 Thanks
    brizzledfw


    Tell him a Bentley is an old mans car???!

    Glad you’re having a good Autumn..much love Mrs T xx
    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
    • gallygirl
    • By gallygirl 10th Nov 17, 9:07 AM
    • 16,455 Posts
    • 107,804 Thanks
    gallygirl
    Tell him he'll have to carry on working to pay for it, that should work .

    By coincidence we are probably getting wheels for Mr GG tomorrow, but the opposite end of the spectrum .
    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"
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 10th Nov 17, 1:30 PM
    • 7,755 Posts
    • 86,521 Thanks
    Tilly MFW in 6 YRS
    Tell him he'll have to carry on working to pay for it, that should work .

    By coincidence we are probably getting wheels for Mr GG tomorrow, but the opposite end of the spectrum .
    Originally posted by gallygirl
    That will make life easier 😉

    Mr T has made me laugh. He's got no chance
    2004 £387k 29 years - MF March 2033
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15
    • muddywhitechicken
    • By muddywhitechicken 10th Nov 17, 9:31 PM
    • 3,792 Posts
    • 34,598 Thanks
    muddywhitechicken

    By coincidence we are probably getting wheels for Mr GG tomorrow, but the opposite end of the spectrum .
    Originally posted by gallygirl
    Has he still got his eye on the white van?!
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: ~£41,500
    Current total overpayments: ~£116,750
    • apple muncher
    • By apple muncher 10th Nov 17, 9:44 PM
    • 6,521 Posts
    • 47,723 Thanks
    apple muncher
    I thought it meant that Mr GG is getting a bicycle...
    NST November #; NSD ?/17; Ex ?/12; craft 18/30 (247); remove 601
    2017 MFW#63 Pay off: £3484/£4050; 2
    017 sell 174

    Mortgage £23,486 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • greent
    • By greent 11th Nov 17, 3:53 PM
    • 6,416 Posts
    • 64,772 Thanks
    greent
    We drove past (in my Golf ) a white sporty Bentley today - OH informed me it costs c £240K. DS2 (11) was most unimpressed when I told him that you could buy a small 4 bed house outright for that - or that it would pay fully for 4 x university educations - he can't believe someone would pay such money for a car (not saying Mr T is looking at that one )

    Hopefully Mr T will settle for a suitable (and sensible) set of wheels instead!
    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) £5034/£3286
    Net sales 2017 £1214.99/£500 PAYDOX17 £11937/£10k Decluttered 1730/2017 items
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