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Mouche’s adventures with her first mortgage (while coping with her first baby)
Hello everyone. I expect I am jumping the gun a bit by starting my diary already but I have been aching to join the MFWs for ages! I’m more of a lurker than a commenter but your diaries have inspired me over the years and I hope that in time I might be able to help someone myself. At any rate, I’m joining in and I hope…
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Mortgage free wannabe by age of 46!!
We currently have a fixed mortgage with Nationwide which is coming to an end soon. We pay £467 a month at 5.18% and this was fixed for 5 years with 14 years 3 months to go. The balance is now around £50K. I have about £8k to put against this mortgage and still have an emergency fund of £9K, which should keep me going for 6…
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Mortgage Free in 10 Years - My MFW Diary
My Aim is to completely pay off my mortgage in 10 years. We bought the house in May 2010 and have lived there 1 year already, so we have 9 years left to go! The first year in our house was spent repairing, renovating and decorating and doing some overpaying. The remaining 10 years will be spent doing all three but with…
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Mortgage Free in 10 Years - My MFW Diary
My aim is to completely pay off my mortgage in 10 years. We bought the house in May 2010 and have lived there 1 year already, so we have 9 years left to go! The first year in our house was spent repairing, renovating and decorating and doing some overpaying. The remaining 10 years will be spent doing all three but with…
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What productive/money saving things can you do within an hour???
Hello all, I posted this in the Moneysavers arms and it didn't get received the way I had planned. I hoped it would give us some inspiration of actual productive things you could get done in an hour. Also just to say originally I posted about saving time on a lunch break, I know not everyone gets an hour lunch break so…
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Hello all
Though i'd stick my head in the door. Recently departed the DF lounge with a smile and arrived in the MF department. Tis my first house and I see me moving at least twice. Current mortgage is £59734 £43K of that is 0.5% over base £17 is 1% over base. A great rate, just need to start ploughing into it now.
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Time to manage the resources better
I have wanted to start a diary on here and now we are just remortgaging seemed like an ideal time to focus myself better. A bit of history first. We moved from Surrey down to Devon as we wanted a different life just under 5 years ago and wanted space. My partner made £190k from his old house which gave us a great start…
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not happy with Sky
Hi I changed from Virgin to Sky because we were informed it would be cheaper than having Virgin. For the first month it was and now we have received a letter saying that now we have Sky Anytime Plus it will now cost us £82 a month!!!! When we were sold Sky they told us it would be £50.50 per month and that would include…
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Lisa Lou wants to be MF!
Hi everyone Well i posted on here a while back and set up a £50 OP each month on the mortgage which was lower than i wouldve liked but its something and weve had to pay out for lots of work on the house. Things have completely turned on their head now - me and OH have split up and i am taking over the mortgage on the…
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Interest rates versus arrears arrangements
So, we're in the slightly unusual situation of a high income with a high mortgage on average, but a three-year gap where income was about average, or for at least a year, zero! We had over a year where we had more or less nothing to pay to mortgage but managed to convince company that it was better to wait until I…
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can you help?
Can you help me with this please? https://forums.moneysavingexpert.com/discussion/3484037 I dont know who is right - Nationwide or myself I didnt start the thread - please read from post 12 If you want to reply it might be easier to do over on the thread already started, plus it might help for people who want to know this…
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Tenancy deposit scheme
Hi can my letting agency take my tenancy deposit money if I'm behind with rent payments
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mortgage or loan or what
having moved in with my now wife and having rent my house after 3 years halifax want £599 to change my mortgage to a buy to let. I only owe £23000 and want to pay it off in 5 to 6 years what are the best options for me.:j
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restoring focus..
How does everyone keep their focus on the end goal?? I had a good first 6 months of the year, we met our overpayment targets for 2011 but then rather than push onwards We seem to of eased off, spends are up, my income down and i can't see us ending 2011 in the black unless focus is restored and quickly.. all tricks…
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Fraud/debt collection agency
Hi everyone, I need a bit of help and advice, my fiancee is the victim of i.d. theft and fraund, basically a neighbour stole her bank details and some bills( from a communal letterbox) and used them to set up a talk talk account and go shopping online. I spoke to talk talks' fraud dept who told me not to worry they would…
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Trying to be Mortgage free in 5yrs(ish)
It's thanks to MSE that I am a Mortgage-Free-Wannabe and have been ever since I happened upon the site last year. However I feel that after a year of reading other people's journeys and goals that I should contribute and add my own story to the pot. So here is my MF 5 year plan: At 21 I finished Uni and was lucky enough to…
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Iscas's MFW Adventures
Hi, I have finally decided to jump in and start a diary to record my adventures as a mortgage free wannabe! Hubby and I have a £158,000 mortgage on our home. We want to overpay as much as possible but as I am about to return to work part time after my materniy leave, and hubby is likely to be made redundant by the end of…
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I'm a new Mortgage-Free Wannabe...
This is the first forum i've ever taken part in and not really that sure what i'm doing! I've read loads of your comments and could do with some help on where to find the spreadsheet I hear some of you talking about and where do I put my start mortgage etc, the date I want to be mortgage free and how much my mortgage is…
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how best to use money
Hello I need some help as my head is spinning with the maths My now wife and I have recently come into a little bit of money after our wedding about £4500. We currently owe about £60,000 left on our mortgage and I would obviously like to use this money to pay off some of this. We currently have a repayment fixed rate…
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Should I overpay on my partners mortgage ... Yay or Nay??
I've been with my partner 11 years, not married and have been living together for 9. I want to help him become mortgage free asap and want to start overpaying his mortgage every month. I'm not on the deeds and it's HIS mortgage. Do you think this is a wise move? I'm only asking as I feel that sometimes his heart isn't in…
