Mfi in 100!! - My Oct 2017 challenge

mortgagenomore_2

can anyone tell me how i edit my replies so my details at the bottom of the page without typing everytime!?

THRIFTY_GIRL

mortgagenomore wrote: »

can anyone tell me how i edit my replies so my details at the bottom of the page without typing everytime!?

Do you mean the signature? (the coloured stuff at the bottom on mine). If so, go to 'user cp' at the top of the page and then select edit signature on the LHS

HTH

THRIFTY_GIRL

mortgagenomore wrote: »

Hi Thrifty girl you are the same estimating time as me so i will follow your progress it seems a long way away but only the 7 years ditch!:j

We are challenging ourselves to 100 months, with 93 months remaining....amazing thats only 7.5 years...sounds much better. Good luck with your quest:beer:

chirpchirp

Mortgage 3 in 100 - I thought this was a diary of someone who thought they didn't have a chance of ever clearing their mortgage. I read it as 100 years:rotfl:

I like the idea of 7 years too - but probably 10 would be more realistic for me!

THRIFTY_GIRL

chirpchirp wrote: »

Mortgage 3 in 100 - I thought this was a diary of someone who thought they didn't have a chance of ever clearing their mortgage. I read it as 100 years:rotfl:

Love it!! That's how it feels sometimes....that big direct debit is:eek:

I like the idea of 7 years too - but probably 10 would be more realistic for me!

Our term is about 12 years remaining so we may be nearer 10 too, but I like a challenge:p, and I will be over 40 in 12 so surely that's a no-no....the government says we mustn't retire until 68...or will that be 75 by the time we get there??? this will give us some hope:rotfl::rotfl::rotfl:

THRIFTY_GIRL

Spring is here, time for an update....

I am pleased to say that we have achieved exactly 20% of our MFI-T target today. Still a tough task though if we are to have any hope of paying off in 100 months as I am a SAHM for the moment.

For the rest of the year I shall make all overpayments into a cash ISA and set this against the mortgage balance. We are on a low tracker rate at the moment and £5,100 is a challenging amount for us to find at the moment.

Good news on the cashback front. We have received £110 from Scottish Power.

Car insurance claim has been decided in our favour so we are waiting for the cheque for a refund of the excess we paid:j:j

Well done to all who have completed the first part of the MFI in three T2 challenge.

setmefree2

well done on all your MF progress :T:T:T

THRIFTY_GIRL

Time to update having been away from the diary for a few months.

We are using up all our savings (except for £1,800 in the ISA) on home improvements.:cool: These will improve the value of the house, and I rather hope our gas bills will reduce with the new double glazing.

In order to rebuild the savings pot we have extended the term of our mortgage to 25 years:eek:. Good news is that the ISA rate is 3.20%, whereas the mortgage interest rate is 0.77%:money:. Now, the difficult part...must fund ISA on a monthly basis:D

On the energy front I was impressed to be below the £10 mark for weekly gas and electric. I really do love the sunshine:). Much better than the highs of £40 we had earlier in the year.

Unfortunately I had a blonde moment yesterday and left a leg of lamb outside last night. As expected, it was sabotaged by nature:mad:. A loss of £12 in financial terms:(. There will be a few chickpea salads this week to make up for it I think:rotfl::rotfl::rotfl:You can only get so worked up about a leg of lamb. Thank goodness DH was still in bed when I noticed and the bins are being emptied today.

I think we are still on target for the MFI-T2 challenge, but may be a little behind now on the MFI 100 months but at least we are heading in the right direction.

Time to enjoy the sunshine while it lasts:j

setmefree2

about the leg of lamb - no matter how MSE I think I am, I still make mistakes. Recently I bought £8 worth of stamps for work stuff and forgot to get a recipt so couldn't claim them back - so annoying!