Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • Betterthanever
    • By Betterthanever 1st Sep 17, 1:17 PM
    • 407Posts
    • 2,200Thanks
    Betterthanever
    New but not new - Year 1 of 5!
    • #1
    • 1st Sep 17, 1:17 PM
    New but not new - Year 1 of 5! 1st Sep 17 at 1:17 PM
    Hi! I'm a re-joining member of old.....and whilst I'm reluctant to give up my previous 10,000 post count, I also don't fancy ex husband following my every move as I go into this next exciting chapter of life! I was a DFW stalwart for years, but am pleased to announce am on the MFW journey....with vigour

    I've not been on the boards for a while but it's lovely to see some familiar names and it's comforting having made the decision to come back!

    I'm mid 40s, kids are grown up and more or less independent (one just moved out and one still creating mess at home). I'm lucky enough to have met a fabulous man who was mad enough to marry me a couple of years ago, and life is just the best.

    The house is mine as I bought ex-h out in the divorce, which means the mortgage is also mine. We have plans and desires to start reducing our working stresses in 5 years time and oh can start drawing his lump sum and his pension then if he wishes. As we both lost out dads at 55, we are mindful of the fact we are not here forever. On the other hand we are fit and healthy so would hope to have a good few years to enjoy life ahead of us.

    We love to spend time together and travel and want to do more of this without being tied into 5 weeks annual leave allowance!

    So....all this starts with the fact my fixed rate comes to an end soon. I can switch on 31st October. The remaining term should be 11 years but I've done my calculations and reckon if I take a 5 year fixed rate, I can finish it off when that comes to an end....taking me to 52 and OH to 56 so still plenty of years ahead of us for living!

    My starting point is a current mortgage figure of £116,879.11. It's no small challenge but I'm no stranger to that and I'm going to enjoy this one an awful lot

    I feel like I've come home.....
    Last edited by Betterthanever; 03-11-2017 at 8:45 AM.
Page 10
    • beanielou
    • By beanielou 3rd Oct 17, 12:58 PM
    • 49,069 Posts
    • 182,263 Thanks
    beanielou
    How do you find Asda online Karmcat?
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • Betterthanever
    • By Betterthanever 3rd Oct 17, 2:12 PM
    • 407 Posts
    • 2,200 Thanks
    Betterthanever
    Yes, they really do all add up. I'm quite excited to see then build up, rather than to immediately have to sweep them into the current account to just get by!

    Current balance £114,744.64. Offset £2,151.73. £112,592.91 needed to be mortgage neutral!
    End date - 03/29 but aiming for 10/22

    Former DFW Nerd 230. Determined to be MF. Bring it on!
    • benbenandme
    • By benbenandme 3rd Oct 17, 8:18 PM
    • 10,288 Posts
    • 26,423 Thanks
    benbenandme
    Can I ask which bingo signup you did? I remember the days when we were signing up to everything under the sun I quite like a bit of bingo
    Mortgage Total: £75,000 £73,315 Mortgage End Date: May 2040
    Brother's loan: £4500 / £25,000
    Holiday Fund: £787 / £1800
    • Betterthanever
    • By Betterthanever 3rd Oct 17, 9:28 PM
    • 407 Posts
    • 2,200 Thanks
    Betterthanever
    It was heart....did it through sb for the sign up points but had to ticket it as they didn't pay up. Thankfully I got lucky so wouldn't have lost out anyway.

    I remember the free bingo days....paid for a whole load of skiing.... although it rather took over my life at the time!! That list of bingo sites was huge wasn't it!!

    Current balance £114,744.64. Offset £2,151.73. £112,592.91 needed to be mortgage neutral!
    End date - 03/29 but aiming for 10/22

    Former DFW Nerd 230. Determined to be MF. Bring it on!
    • Karmacat
    • By Karmacat 4th Oct 17, 11:18 AM
    • 28,189 Posts
    • 155,313 Thanks
    Karmacat
    Oh my word, the bingo! That was a flood of free money coming at us. Maybe matched betting can still be that way.

    Beanie - Asda are pretty good onlne, they turn up when they say they're going to, the guys are good about placing the stack of goods where I ask them to, they email me in advance if there's a price change or something's not in stock, their systems are pretty good.
    Retired August 2016
    • beanielou
    • By beanielou 4th Oct 17, 3:45 PM
    • 49,069 Posts
    • 182,263 Thanks
    beanielou
    Oh my word, the bingo! That was a flood of free money coming at us. Maybe matched betting can still be that way.

    Beanie - Asda are pretty good onlne, they turn up when they say they're going to, the guys are good about placing the stack of goods where I ask them to, they email me in advance if there's a price change or something's not in stock, their systems are pretty good.
    Originally posted by Karmacat
    Thanks Karmcat
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • beanielou
    • By beanielou 4th Oct 17, 3:46 PM
    • 49,069 Posts
    • 182,263 Thanks
    beanielou
    Can you please tell me which snowball calculator you use please?
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • Betterthanever
    • By Betterthanever 4th Oct 17, 4:15 PM
    • 407 Posts
    • 2,200 Thanks
    Betterthanever
    I use the old one www.whatsthecost.com

    Current balance £114,744.64. Offset £2,151.73. £112,592.91 needed to be mortgage neutral!
    End date - 03/29 but aiming for 10/22

    Former DFW Nerd 230. Determined to be MF. Bring it on!
    • beanielou
    • By beanielou 4th Oct 17, 4:27 PM
    • 49,069 Posts
    • 182,263 Thanks
    beanielou
    I use the old one www.whatsthecost.com
    Originally posted by Betterthanever
    Ta. For the life of me I could not find it.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • Betterthanever
    • By Betterthanever 4th Oct 17, 5:05 PM
    • 407 Posts
    • 2,200 Thanks
    Betterthanever
    It has been a constant over the last 12 years or so! I'd feel lost without it!!

    In other news, another £10 requested from SB, a ziffit box ready to drop off on my way to the buzz and a bit to come back from shopmium. If only every day were so productive!!

    27 days til I can remortgage.....

    Current balance £114,744.64. Offset £2,151.73. £112,592.91 needed to be mortgage neutral!
    End date - 03/29 but aiming for 10/22

    Former DFW Nerd 230. Determined to be MF. Bring it on!
    • beanielou
    • By beanielou 4th Oct 17, 5:13 PM
    • 49,069 Posts
    • 182,263 Thanks
    beanielou
    27 days! Not that you are counting
    You should just sneak in before the rates are predicted to rise
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • Betterthanever
    • By Betterthanever 4th Oct 17, 6:36 PM
    • 407 Posts
    • 2,200 Thanks
    Betterthanever
    I really hope so, beanie!

    It's been a relatively good survey day today. A few more pennies pending to top up the pot in due course.

    Current balance £114,744.64. Offset £2,151.73. £112,592.91 needed to be mortgage neutral!
    End date - 03/29 but aiming for 10/22

    Former DFW Nerd 230. Determined to be MF. Bring it on!
    • pinkypig
    • By pinkypig 4th Oct 17, 7:43 PM
    • 753 Posts
    • 6,496 Thanks
    pinkypig
    Race ya, pinkypig!!
    Originally posted by Betterthanever
    Omg don't say that, my focused (read obsessive) personality is both a blessing and a curse! This mfw malarkey has got the potential to turn me into a right loon

    On second thoughts - you're on
    • Betterthanever
    • By Betterthanever 4th Oct 17, 9:44 PM
    • 407 Posts
    • 2,200 Thanks
    Betterthanever
    Then we are definitely like minded! Bring it on!!

    Current balance £114,744.64. Offset £2,151.73. £112,592.91 needed to be mortgage neutral!
    End date - 03/29 but aiming for 10/22

    Former DFW Nerd 230. Determined to be MF. Bring it on!
    • beanielou
    • By beanielou 4th Oct 17, 9:51 PM
    • 49,069 Posts
    • 182,263 Thanks
    beanielou
    Betterthanever just loves a challange
    Ready, steady go
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • Karmacat
    • By Karmacat 5th Oct 17, 9:44 AM
    • 28,189 Posts
    • 155,313 Thanks
    Karmacat
    Okay, in 27 days, I will take up a challenge. I don't know whether it will be matched betting, or *finally* sitting down to write regularly, but definitely, 27 days. Whats the actual date, betterthan?
    Retired August 2016
    • beanielou
    • By beanielou 5th Oct 17, 10:15 AM
    • 49,069 Posts
    • 182,263 Thanks
    beanielou
    Matched betting Ambles off!
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • Betterthanever
    • By Betterthanever 5th Oct 17, 12:05 PM
    • 407 Posts
    • 2,200 Thanks
    Betterthanever
    1st November KC. Plenty of time for us to formulate plans....of sorts!!

    Current balance £114,744.64. Offset £2,151.73. £112,592.91 needed to be mortgage neutral!
    End date - 03/29 but aiming for 10/22

    Former DFW Nerd 230. Determined to be MF. Bring it on!
    • pinkypig
    • By pinkypig 5th Oct 17, 8:48 PM
    • 753 Posts
    • 6,496 Thanks
    pinkypig
    Then we are definitely like minded! Bring it on!!
    Originally posted by Betterthanever
    Betterthanever just loves a challange
    Ready, steady go
    Originally posted by beanielou
    I'll play as long as you promise to tell me if I begin to show (more) lunatic tendencies
    • Betterthanever
    • By Betterthanever 5th Oct 17, 10:06 PM
    • 407 Posts
    • 2,200 Thanks
    Betterthanever
    Problem is, I probably wouldn't recognise them....what with me having the same issues!!! I do tend to get the bit between my teeth somewhat as beanie and KC can confirm!!

    Surveys done, another £10 from swagbucks in the bank and £1.25 from quidco. It'll do for today.

    Current balance £114,744.64. Offset £2,151.73. £112,592.91 needed to be mortgage neutral!
    End date - 03/29 but aiming for 10/22

    Former DFW Nerd 230. Determined to be MF. Bring it on!
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

2,524Posts Today

6,540Users online

Martin's Twitter