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  • FIRST POST
    • Betterthanever
    • By Betterthanever 1st Sep 17, 1:17 PM
    • 177Posts
    • 616Thanks
    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 6
    • Karmacat
    • By Karmacat 14th Sep 17, 10:50 AM
    • 27,715 Posts
    • 151,429 Thanks
    Karmacat
    The tech really has changed, hasn't it ... erm, I have a smartphone, I even have a small data allowance on my tiny contract, but I never, ever use it. Even though its a smartphone, it might as well be one of those thick as a brick dinosaurs. I may have to celebrate the beginning of my 2nd year of retirement by getting a new phone, oops. Been wondering about it anyway.

    Loving building up a matched betting pot from literally nothing, good for you
    Retired August 2016
    • Betterthanever
    • By Betterthanever 14th Sep 17, 11:50 AM
    • 177 Posts
    • 616 Thanks
    Betterthanever
    I do still rely heavily on my notebook and diary system....lists etc are so much better on paper!
    Former DFW Need 230. Determined to be MF.
    Current balance £116,878.11. Offset £1034.
    end date - 03/29 aiming for 10/22

    Bring it on!
    • Betterthanever
    • By Betterthanever 14th Sep 17, 9:08 PM
    • 177 Posts
    • 616 Thanks
    Betterthanever
    Survey money hit the bank today so has been moved into the *money for nothing" pot. More surveys done..

    Spends this week so far are within budget but we have a ball to go to tomorrow night so expecting to spend a bit there. Have managed to lift share though so that will save £50 on taxis!!
    Former DFW Need 230. Determined to be MF.
    Current balance £116,878.11. Offset £1034.
    end date - 03/29 aiming for 10/22

    Bring it on!
    • michelle09
    • By michelle09 15th Sep 17, 3:01 PM
    • 264 Posts
    • 750 Thanks
    michelle09
    Lists are so much better on paper! Much more satisfying to cross things off them when you're done.

    Sometimes you have to enjoy yourself too, have fun at the ball.
    • beanielou
    • By beanielou 15th Sep 17, 7:55 PM
    • 47,211 Posts
    • 169,589 Thanks
    beanielou
    Enjoy
    You look fantastic
    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 16th Sep 17, 2:09 AM
    • 177 Posts
    • 616 Thanks
    Betterthanever
    Fab night, bit drunk....DH bid on the charity auction and we're off to Abu Dhabi for the Grand Prix on a few weeks. Holy moly!!!

    In other news, I got another £5 payout on swagbucks
    Former DFW Need 230. Determined to be MF.
    Current balance £116,878.11. Offset £1034.
    end date - 03/29 aiming for 10/22

    Bring it on!
    • Karmacat
    • By Karmacat 16th Sep 17, 10:38 AM
    • 27,715 Posts
    • 151,429 Thanks
    Karmacat
    great mix of news in that there post

    Hope this weekend is enjoyable and re-energising too
    Retired August 2016
    • Betterthanever
    • By Betterthanever 16th Sep 17, 11:15 AM
    • 177 Posts
    • 616 Thanks
    Betterthanever
    Thanks KC...it's all a bit surreal....things like that just don't happen to me!!

    Today is haircut and colour.....which will be either fab or painful depending on how much my hangover has receded!! Then some family stuff which will be nice.

    Must resist shopping for Abu Dhabi
    Former DFW Need 230. Determined to be MF.
    Current balance £116,878.11. Offset £1034.
    end date - 03/29 aiming for 10/22

    Bring it on!
    • beanielou
    • By beanielou 16th Sep 17, 2:03 PM
    • 47,211 Posts
    • 169,589 Thanks
    beanielou
    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***
    • pinkypig
    • By pinkypig 16th Sep 17, 9:48 PM
    • 583 Posts
    • 5,807 Thanks
    pinkypig
    How exciting, you'll have to let him have a few sherbets more often
    • beanielou
    • By beanielou 16th Sep 17, 9:50 PM
    • 47,211 Posts
    • 169,589 Thanks
    beanielou
    How exciting, you'll have to let him have a few sherbets more often
    Originally posted by pinkypig
    Or maybe not
    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 17th Sep 17, 12:10 PM
    • 177 Posts
    • 616 Thanks
    Betterthanever
    At that point of the evening he hadn't had that much to drink.... but it is a good job that the auction wasn't any later in the evening Otherwise I'd hate to think what he would have bid for!! It is exciting, in any event and I am very lucky to have him
    Former DFW Need 230. Determined to be MF.
    Current balance £116,878.11. Offset £1034.
    end date - 03/29 aiming for 10/22

    Bring it on!
    • Betterthanever
    • By Betterthanever 17th Sep 17, 12:13 PM
    • 177 Posts
    • 616 Thanks
    Betterthanever
    So, anyway, back to my very real mfw challenge.... grocery shopping yesterday included a £5 off voucher, cashback for using my Halifax card, and a claim to shopmium for £3.22 so not bad. Got some nice ys buts too which will help the budget for the week go a bit further.

    Surveys and clicks are doing ok. I'm certainly on target to reach my self imposed challenge totals.

    And still no shoes bought.....
    Former DFW Need 230. Determined to be MF.
    Current balance £116,878.11. Offset £1034.
    end date - 03/29 aiming for 10/22

    Bring it on!
    • beanielou
    • By beanielou 17th Sep 17, 7:58 PM
    • 47,211 Posts
    • 169,589 Thanks
    beanielou
    Whispers.
    I bought boots yesterday.
    Bargain price & much needed.
    Not very exciting.
    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 17th Sep 17, 8:47 PM
    • 177 Posts
    • 616 Thanks
    Betterthanever
    Those words......"boots" and "bargain".....how can that *not* be exciting, beanie?!?!
    Former DFW Need 230. Determined to be MF.
    Current balance £116,878.11. Offset £1034.
    end date - 03/29 aiming for 10/22

    Bring it on!
    • beanielou
    • By beanielou 17th Sep 17, 8:54 PM
    • 47,211 Posts
    • 169,589 Thanks
    beanielou
    Wide fit is boring believe 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 17th Sep 17, 9:00 PM
    • 177 Posts
    • 616 Thanks
    Betterthanever
    Nah....won't hear such a thing. I have wide for too....and I can still get excited about bargain boots
    Former DFW Need 230. Determined to be MF.
    Current balance £116,878.11. Offset £1034.
    end date - 03/29 aiming for 10/22

    Bring it on!
    • Betterthanever
    • By Betterthanever 18th Sep 17, 2:09 PM
    • 177 Posts
    • 616 Thanks
    Betterthanever
    Another SB payout requested this morning and enough in PA to allow me to withdraw although I shall see if I can wait a while to keep PayPal fees as low as I can. It's all going ok in my "money for nothing" challenge!

    Leftover chicken and chick pea thing for lunch....yum!!
    Former DFW Need 230. Determined to be MF.
    Current balance £116,878.11. Offset £1034.
    end date - 03/29 aiming for 10/22

    Bring it on!
    • Karmacat
    • By Karmacat 18th Sep 17, 4:30 PM
    • 27,715 Posts
    • 151,429 Thanks
    Karmacat
    Excellent! I may have to look at a yougov survey before I stop ...
    Retired August 2016
    • Betterthanever
    • By Betterthanever 18th Sep 17, 6:55 PM
    • 177 Posts
    • 616 Thanks
    Betterthanever
    I did one on the bus on the way home from work...it takes a bit of patience as the rural mobile network is somewhat hit and miss!

    Still it was completed and I'm on target!
    Former DFW Need 230. Determined to be MF.
    Current balance £116,878.11. Offset £1034.
    end date - 03/29 aiming for 10/22

    Bring it on!
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