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  • FIRST POST
    • Betterthanever
    • By Betterthanever 1st Sep 17, 1:17 PM
    • 491Posts
    • 2,860Thanks
    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 24
    • Betterthanever
    • By Betterthanever 2nd Jan 18, 9:56 AM
    • 491 Posts
    • 2,860 Thanks
    Betterthanever
    So, here we are - 2018.....which means one major thing - the start of my new 5 year financial diary (in paper form). Gotta love a new diary!!


    It's been a gentle start to the new year - seeing it in with family and friends who we love dearly. Board games and good food, and lots of laughter. The best way, in my opinion.


    Financially, I've updated my snowball (will update signature shortly), and requested another £10 from swagbucks and £1.35 from QMEE. January is a horrid month as car tax and MOT are due - but I am looking forward to the council tax free months that are ahead of us in order to claw that back!!


    Lunch is leftovers, we had corned beef hash last night, dinner tonight is meatballs and pasta. No spends needed today.....it's going ok!

    Current balance £113,959.06. Offset £2,390.46. £111,568.60 needed to be mortgage neutral!
    End date - 03/29 but aiming for 10/22 - 2018 O/pay £100
    Make £2018 in £2018 = £62.22/£2018
    Former DFW Nerd 230. Determined to be MF. Bring it on!
    • Betterthanever
    • By Betterthanever 2nd Jan 18, 2:19 PM
    • 491 Posts
    • 2,860 Thanks
    Betterthanever
    A bit belatedly have totted up December's "extras" - it has not been such a full month as the previous ones, with a combination of Christmas slowing some of the sites down a little, and me being busy trying to do a million and one other things!


    But, even so, I am pleased to report £158.72 - £65 was from SB and £25 from Instagc, so they were my biggest earners.


    That made a total of £828.75 since I started in September 2017. I have joined the "make £2018 in 2018" challenge on the Boost your Income board.....that needs £168.16 a month or £38.80 a week, so based on performance so far, it is doable but still very much a challenge that will need focus.


    That extra £2018 would make a big difference to the new garden, though - so definitely has my focus!!

    Current balance £113,959.06. Offset £2,390.46. £111,568.60 needed to be mortgage neutral!
    End date - 03/29 but aiming for 10/22 - 2018 O/pay £100
    Make £2018 in £2018 = £62.22/£2018
    Former DFW Nerd 230. Determined to be MF. Bring it on!
    • Karmacat
    • By Karmacat 2nd Jan 18, 2:27 PM
    • 28,346 Posts
    • 157,832 Thanks
    Karmacat
    That's brilliant, betterthan, congratulations. Those are serious amounts of wodge, at no risk and no expenditure.

    Happy New Year

    Happy New Garden
    Retired August 2016
    • Betterthanever
    • By Betterthanever 2nd Jan 18, 3:07 PM
    • 491 Posts
    • 2,860 Thanks
    Betterthanever
    I can't wait to have a garden! At the moment we have a patio and a balcony - very easy and low maintenance, but we do miss a "proper" garden and it is quite exciting planning it! Pinterest is getting a good amount of traffic from us, that's for sure!!

    Current balance £113,959.06. Offset £2,390.46. £111,568.60 needed to be mortgage neutral!
    End date - 03/29 but aiming for 10/22 - 2018 O/pay £100
    Make £2018 in £2018 = £62.22/£2018
    Former DFW Nerd 230. Determined to be MF. Bring it on!
    • beanielou
    • By beanielou 2nd Jan 18, 4:38 PM
    • 49,511 Posts
    • 186,251 Thanks
    beanielou
    Awesome totals
    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 2nd Jan 18, 4:56 PM
    • 491 Posts
    • 2,860 Thanks
    Betterthanever
    Thanks Beanie x

    Current balance £113,959.06. Offset £2,390.46. £111,568.60 needed to be mortgage neutral!
    End date - 03/29 but aiming for 10/22 - 2018 O/pay £100
    Make £2018 in £2018 = £62.22/£2018
    Former DFW Nerd 230. Determined to be MF. Bring it on!
    • Betterthanever
    • By Betterthanever 3rd Jan 18, 8:20 AM
    • 491 Posts
    • 2,860 Thanks
    Betterthanever
    I hope you're not all being blown away by Storm Eleanor today - stay safe everyone!


    For those that have been frustrated by the ads on the video apps for swagbucks - they have (temporarily at least) been removed meaning it is much easier to whizz through the apps and get those lovely points racked up. If you've put swagbucks away through frustration over the last few weeks, dig it all out again and have another go!

    Current balance £113,959.06. Offset £2,390.46. £111,568.60 needed to be mortgage neutral!
    End date - 03/29 but aiming for 10/22 - 2018 O/pay £100
    Make £2018 in £2018 = £62.22/£2018
    Former DFW Nerd 230. Determined to be MF. Bring it on!
    • pinkypig
    • By pinkypig 3rd Jan 18, 11:02 AM
    • 872 Posts
    • 7,537 Thanks
    pinkypig
    Your extra earnings are amazing! I'm good on the financial defence and awful on the offence. Think I can spot a 2018 goal emerging

    All the very best for the new year.


    PS. Love a good spin - they are brutal aren't they? Feels good afterwards though!
    • Betterthanever
    • By Betterthanever 3rd Jan 18, 1:24 PM
    • 491 Posts
    • 2,860 Thanks
    Betterthanever
    Sometimes, just being on the defence is good, though - we are in danger of trying to tackle too much head on and then not being able to sustain ANY of it if we are not careful. Now that you have got some things down to a fine art, perhaps you could just add in one new thing at a time so that you don't have MSE Overload (it's a real thing!).


    And yes, spinning is brutal - no standing sprints for me for a while, however, but it was good to get back on the bike!

    Current balance £113,959.06. Offset £2,390.46. £111,568.60 needed to be mortgage neutral!
    End date - 03/29 but aiming for 10/22 - 2018 O/pay £100
    Make £2018 in £2018 = £62.22/£2018
    Former DFW Nerd 230. Determined to be MF. Bring it on!
    • Cicatriz
    • By Cicatriz 3rd Jan 18, 5:02 PM
    • 42 Posts
    • 112 Thanks
    Cicatriz
    Best of luck with everything. Mortgage Free for Early Retirement and the freedom it brings is a very worthy goal.

    You've reminded me that I should make a sig.
    • Betterthanever
    • By Betterthanever 3rd Jan 18, 6:33 PM
    • 491 Posts
    • 2,860 Thanks
    Betterthanever
    It certainly is, Cicatrix....and it's a goal I am looking forward to achieving!!

    Current balance £113,959.06. Offset £2,390.46. £111,568.60 needed to be mortgage neutral!
    End date - 03/29 but aiming for 10/22 - 2018 O/pay £100
    Make £2018 in £2018 = £62.22/£2018
    Former DFW Nerd 230. Determined to be MF. Bring it on!
    • beanielou
    • By beanielou 3rd Jan 18, 7:26 PM
    • 49,511 Posts
    • 186,251 Thanks
    beanielou
    It certainly is, Cicatrix....and it's a goal I am looking forward to achieving!!
    Originally posted by Betterthanever
    & I KNOW that you will
    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 Jan 18, 8:05 PM
    • 491 Posts
    • 2,860 Thanks
    Betterthanever
    Yup, you know it Beanie! I've never been one to shy away from a challenge!

    Current balance £113,959.06. Offset £2,390.46. £111,568.60 needed to be mortgage neutral!
    End date - 03/29 but aiming for 10/22 - 2018 O/pay £100
    Make £2018 in £2018 = £62.22/£2018
    Former DFW Nerd 230. Determined to be MF. Bring it on!
    • Betterthanever
    • By Betterthanever 5th Jan 18, 8:55 AM
    • 491 Posts
    • 2,860 Thanks
    Betterthanever
    Morning all - TGI Friday! For a "short" week, it certainly feels rather long!


    Moneywise, doing ok - certainly could be worse. The car passed it's MOT yesterday so nothing more than the basic cost there. £190 car tax has come out of my account today, though, so although necessary, it feels quite horrid this close to Christmas!


    £10.54 from jobspotter and £1.79 from Quidco hit my Amazon account yesterday. The "new house extras" fund is coming along nicely. I've also requested another £10 from SB and after a couple of decent surveys yesterday on there am reasonably on my way to the next one.


    Clutter wise, I sorted out the airing cupboard last night. There is a bag to be taken to the charity shop over the weekend, and some sheets that have been relegated to carpet/furniture protectors for painting which will come in useful next week when DH tackles the hall! DH also sorted through some of his clothes in the wardrobe and I shall do similar tomorrow - probably resulting in another bag ready to go to the Charity shop! We are getting there!


    We also started planning one of our "bucket list" trips last night - something that will hopefully come to fruition in about 18 months, so that is something to look forward to and to enjoy researching (and saving for!!)


    Happy Friday everyone.....almost the weekend. Hang on in there!

    Current balance £113,959.06. Offset £2,390.46. £111,568.60 needed to be mortgage neutral!
    End date - 03/29 but aiming for 10/22 - 2018 O/pay £100
    Make £2018 in £2018 = £62.22/£2018
    Former DFW Nerd 230. Determined to be MF. Bring it on!
    • blocpartyfan
    • By blocpartyfan 5th Jan 18, 9:21 AM
    • 19 Posts
    • 128 Thanks
    blocpartyfan

    We also started planning one of our "bucket list" trips last night - something that will hopefully come to fruition in about 18 months, so that is something to look forward to and to enjoy researching (and saving for!!)


    Happy Friday everyone.....almost the weekend. Hang on in there!
    Originally posted by Betterthanever
    what a great idea - a positive thing to focus on which will be so easy to do because of all the hard work in slaying the mortgage best! Much better than my daydream conversation with DH of how we will spend the lottery money we might one day win
    Mortgage when started: £200,999
    Current mortgage (2nd Jan 2018): £135,000
    Mortgage free day planned for: 25th June 2025 (day before my 40th birthday!)
    • Betterthanever
    • By Betterthanever 5th Jan 18, 9:37 AM
    • 491 Posts
    • 2,860 Thanks
    Betterthanever
    Oh believe me, we have those conversations too! You've still got to dream!


    However, one thing life and it's curveballs has taught us is that we do not want to be one of those couples that say "we nearly did that" or "we thought about that but didn't get round to it".....life is just too short, but we also don't want to get (back) into debt in order to achieve it all, so we have to find ways of doing some amazing things in the most effective way....and that makes it all the more fun!


    Life is good!

    Current balance £113,959.06. Offset £2,390.46. £111,568.60 needed to be mortgage neutral!
    End date - 03/29 but aiming for 10/22 - 2018 O/pay £100
    Make £2018 in £2018 = £62.22/£2018
    Former DFW Nerd 230. Determined to be MF. Bring it on!
    • Karmacat
    • By Karmacat 5th Jan 18, 11:18 AM
    • 28,346 Posts
    • 157,832 Thanks
    Karmacat
    However, one thing life and it's curveballs has taught us is that we do not want to be one of those couples that say "we nearly did that" or "we thought about that but didn't get round to it".....life is just too short, but we also don't want to get (back) into debt in order to achieve it all, so we have to find ways of doing some amazing things in the most effective way....and that makes it all the more fun!

    Life is good!
    Originally posted by Betterthanever
    Absolutely! I have a poem by Andrew Marvell in the back of my head when I think about this stuff (only an English graduate, I know, sorry!)
    Retired August 2016
    • Betterthanever
    • By Betterthanever 5th Jan 18, 12:29 PM
    • 491 Posts
    • 2,860 Thanks
    Betterthanever
    It's just a case of trying to keep things real along the way - allowing for saving, overpaying, general costs of living, as well as doing the fun stuff. There is only so much money to go around so we have to make the most of what we have, spend it wisely, make a bit more where we can, and prioritise what is right for each of us. No rights, no wrongs - previously my priority was (as you know) skiing for the kids and many thought that was daft/irresponsible etc, but it didn't stop me tackling my other responsibilities - bills were always paid, the car was always taxed, etc. There are ways to achieve what we each want to achieve - we just have to work out what they are and what we are prepared to do - and not to do - in order to get there!


    Anyway - I had earmarked a little more money in case the car failed it's MOT and because it wasn't needed, I have made an overpayment of £100 to the mortgage today. See....I can be sensible!

    Current balance £113,959.06. Offset £2,390.46. £111,568.60 needed to be mortgage neutral!
    End date - 03/29 but aiming for 10/22 - 2018 O/pay £100
    Make £2018 in £2018 = £62.22/£2018
    Former DFW Nerd 230. Determined to be MF. Bring it on!
    • beanielou
    • By beanielou 5th Jan 18, 6:09 PM
    • 49,511 Posts
    • 186,251 Thanks
    beanielou
    Have a happy 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***
    • Betterthanever
    • By Betterthanever 5th Jan 18, 8:05 PM
    • 491 Posts
    • 2,860 Thanks
    Betterthanever
    Thank you, beanie....and you too!

    My latest SB £10 reward has arrived....budgets have been worked on for the next few months, and all is well with the world! I'm thinking I might try my hand at eBay again tomorrow....another thing I've not been on for many years!

    Current balance £113,959.06. Offset £2,390.46. £111,568.60 needed to be mortgage neutral!
    End date - 03/29 but aiming for 10/22 - 2018 O/pay £100
    Make £2018 in £2018 = £62.22/£2018
    Former DFW Nerd 230. Determined to be MF. Bring it on!
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