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  • FIRST POST
    • Betterthanever
    • By Betterthanever 1st Sep 17, 1:17 PM
    • 280Posts
    • 1,103Thanks
    Betterthanever
    New but not new!
    • #1
    • 1st Sep 17, 1:17 PM
    New but not new! 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.....
Page 11
    • beanielou
    • By beanielou 5th Oct 17, 10:11 PM
    • 47,744 Posts
    • 173,255 Thanks
    beanielou
    Great results on surveys.
    I got 300 on You Gov today.
    Had to lie in a darkened room in shock
    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, 10:15 PM
    • 280 Posts
    • 1,103 Thanks
    Betterthanever
    That's superb! I've not had anything from them for a few days, so hopefully am due a couple soon! I did get a couple of prolific ones today so I'm happy with that and a little flurry from swagbucks but nothing too exciting.
    Former DFW Nerd 230. Determined to be MF.
    Current balance £116,149.98. Offset £1,236. £114,913.98 needed to be mortgage neutral!
    End date - 03/29 but aiming for 10/22

    Bring it on!
    • beanielou
    • By beanielou 5th Oct 17, 10:19 PM
    • 47,744 Posts
    • 173,255 Thanks
    beanielou
    That was for one!
    Linked to my DS's university funnily enough!
    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 6th Oct 17, 8:07 AM
    • 280 Posts
    • 1,103 Thanks
    Betterthanever
    Happy Friday everyone. I've just requested another £5 from s'bucks so I'm happy with that. Have a good day!
    Former DFW Nerd 230. Determined to be MF.
    Current balance £116,149.98. Offset £1,236. £114,913.98 needed to be mortgage neutral!
    End date - 03/29 but aiming for 10/22

    Bring it on!
    • Karmacat
    • By Karmacat 6th Oct 17, 10:46 AM
    • 27,854 Posts
    • 152,649 Thanks
    Karmacat
    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!!.
    Originally posted by Betterthanever
    Oh yeah

    Happy Friday everyone. I've just requested another £5 from s'bucks so I'm happy with that. Have a good day!
    Originally posted by Betterthanever
    You're doing *amazingly* with sb!

    Happy Friday yourself
    Retired August 2016
    • Betterthanever
    • By Betterthanever 6th Oct 17, 1:18 PM
    • 280 Posts
    • 1,103 Thanks
    Betterthanever
    Thanks KC. I've also received £20 from shopalong today so that's happily been transferred to the money for nothing account, which is building up nicely. Happy days!
    Former DFW Nerd 230. Determined to be MF.
    Current balance £116,149.98. Offset £1,236. £114,913.98 needed to be mortgage neutral!
    End date - 03/29 but aiming for 10/22

    Bring it on!
    • beanielou
    • By beanielou 6th Oct 17, 6:05 PM
    • 47,744 Posts
    • 173,255 Thanks
    beanielou
    Blimey happy days indeed
    Happy Friday to you too.
    Have a lovely weekend
    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***
    • benbenandme
    • By benbenandme 7th Oct 17, 2:03 PM
    • 10,167 Posts
    • 26,131 Thanks
    benbenandme
    I've just done the heart bigno offer and it didn't credit - I've put in a ticket, how long did it take for them to credit it for you please?
    Mortgage Total: £75,000 £73,527 Mortgage End Date: May 2040
    Brother's loan: £3460 / £25,000
    Holiday Fund: £452 / £1800
    • Betterthanever
    • By Betterthanever 7th Oct 17, 3:34 PM
    • 280 Posts
    • 1,103 Thanks
    Betterthanever
    I had to chase it a couple of times but probably only a couple of days. Remember that there is the time difference as they are in the us, and the weekends are not manned that much. Perseverance will pay off!
    Former DFW Nerd 230. Determined to be MF.
    Current balance £116,149.98. Offset £1,236. £114,913.98 needed to be mortgage neutral!
    End date - 03/29 but aiming for 10/22

    Bring it on!
    • Betterthanever
    • By Betterthanever 7th Oct 17, 3:37 PM
    • 280 Posts
    • 1,103 Thanks
    Betterthanever
    So....I took out £200 from my money for nothing account and bought some premium bonds. It will stop me dipping into it for frivolous things and hopefully will steadily build up over the 5 year period from "free" money.

    It's there for emergencies if needed but hopefully will either go towards our forever home or will pay for more adventures.

    Today, though, I'm focusing on a hangover......this having a life thing that I've embraced can be tough sometimes!!!
    Former DFW Nerd 230. Determined to be MF.
    Current balance £116,149.98. Offset £1,236. £114,913.98 needed to be mortgage neutral!
    End date - 03/29 but aiming for 10/22

    Bring it on!
    • Karmacat
    • By Karmacat 8th Oct 17, 10:01 AM
    • 27,854 Posts
    • 152,649 Thanks
    Karmacat
    The premium bonds are very impressive! The hangover, not so much I really hope its gone by now.

    for your eyes
    Retired August 2016
    • Betterthanever
    • By Betterthanever 8th Oct 17, 11:43 AM
    • 280 Posts
    • 1,103 Thanks
    Betterthanever
    Were having a lazy weekend. We've got a busy social October in general so downtime is needed!!

    I wasn't sure what to do with the money for nothing money, to be honest, but I think this is a reasonable move. Time will tell, but I really want it to build into a decent sized pot over the 5 years, without undue risk.
    Former DFW Nerd 230. Determined to be MF.
    Current balance £116,149.98. Offset £1,236. £114,913.98 needed to be mortgage neutral!
    End date - 03/29 but aiming for 10/22

    Bring it on!
    • beanielou
    • By beanielou 8th Oct 17, 7:04 PM
    • 47,744 Posts
    • 173,255 Thanks
    beanielou
    Premium bonds sound good to me.
    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 9th Oct 17, 8:17 PM
    • 280 Posts
    • 1,103 Thanks
    Betterthanever
    Thanks beanie.

    Another week starts and another week closer to being MF one way or another! Another £5 withdrawn from swagbucks today and £1.59 from qmee fell into PayPal too. I've got £11.10 on the way from ziffit which should arrive soon, so I'm doing ok!

    A couple of other surveys done and a yummy corned beef hash with fried eggs for dinner. My only spends today we're for my bus fare home....I got a lift in this morning so that saving went into savings too. It all helps!

    Tantalisingly close to my remortgage date.....gah!!!
    Former DFW Nerd 230. Determined to be MF.
    Current balance £116,149.98. Offset £1,236. £114,913.98 needed to be mortgage neutral!
    End date - 03/29 but aiming for 10/22

    Bring it on!
    • beanielou
    • By beanielou 9th Oct 17, 8:18 PM
    • 47,744 Posts
    • 173,255 Thanks
    beanielou
    Tea sounds lush.
    How many days now?
    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 9th Oct 17, 10:48 PM
    • 280 Posts
    • 1,103 Thanks
    Betterthanever
    21.....I can almost touch it!
    Former DFW Nerd 230. Determined to be MF.
    Current balance £116,149.98. Offset £1,236. £114,913.98 needed to be mortgage neutral!
    End date - 03/29 but aiming for 10/22

    Bring it on!
    • Karmacat
    • By Karmacat 10th Oct 17, 12:23 PM
    • 27,854 Posts
    • 152,649 Thanks
    Karmacat
    Yay to countdowns 20 days now.
    Retired August 2016
    • Betterthanever
    • By Betterthanever 11th Oct 17, 8:08 AM
    • 280 Posts
    • 1,103 Thanks
    Betterthanever
    So, a good day yesterday - I left my crutches at home and managed a day at work without them. Even went for a walk with DH after dinner last night (I held onto him for dear life at times, but that's allowed!). So very definitely steps in the right direction. Literally!


    Today I am tired, though. Probably because I am not used to walking so much right now. Coffee will be the order of the day (although why that would be surprising, I don't know!).


    Another £5 from swagbucks hit my account last night and another should be requested today. I love that site! Shameless plug for referrals now - if anyone wants to join up, feel free to use my referral:


    http://www.swagbucks.com/refer/Betterthanever


    and don't forget to pm me so I know who you are on there and can give you some ideas of how to increase your own points! I get my earnings paid directly to paypal each time they hit £5 but there are other ways that actually work out even better value if you like vouchers for Amazon or mastercard etc.


    Whilst on the subject of referrals, thank you to everyone who used my shopmium referral code - I hope you are all getting some use out of the items available on there!


    Right....back to that coffee. And some porridge before the phones start ringing. Happy humpday everyone!
    Former DFW Nerd 230. Determined to be MF.
    Current balance £116,149.98. Offset £1,236. £114,913.98 needed to be mortgage neutral!
    End date - 03/29 but aiming for 10/22

    Bring it on!
    • Betterthanever
    • By Betterthanever 11th Oct 17, 2:46 PM
    • 280 Posts
    • 1,103 Thanks
    Betterthanever
    So....a relatively productive lunchbreak - nipped to Tesco to get some cat food, got a couple of good till spits from there that, provided I actually remember to use them, are off things I do regularly buy. Receipts uploaded and a couple of surveys done while eating leftovers for lunch. Not big payers but all adds up in the longer term.


    I am determined to get this 5 year plan off to a good start!
    Former DFW Nerd 230. Determined to be MF.
    Current balance £116,149.98. Offset £1,236. £114,913.98 needed to be mortgage neutral!
    End date - 03/29 but aiming for 10/22

    Bring it on!
    • pinkypig
    • By pinkypig 11th Oct 17, 9:08 PM
    • 644 Posts
    • 5,962 Thanks
    pinkypig
    Congrats on your crutches free day - big achievement. You'll be running that next marathon before you know it! Xx
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