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Pay off mortgage and start having fun!

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  • newgirly
    newgirly Posts: 9,353 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Disaster! I have been mooching (with a bit of a hangover) on fleabay at cars as usual, and our little mg midget is on there! We loved that car so much :D I am so tempted to do an Alex , stop me please! It would be the worlds best surprise for dh to get his car back with big bow on xmas day. :rotfl:
    MFW 67 - Finally mortgage free! 💙😁
  • AlexLK
    AlexLK Posts: 6,125 Forumite
    Debt-free and Proud!
    I've stated many times on MSE that being well educated is about much more than a career (and often university). Personally, I think it very sad a lot of people seem to see gaining a degree being more about job prospects than about the academic experience. Even if that is the only reason, it's difficult to argue that not having a degree is better than having one.

    Staying with the career argument, whilst NG's daughter may not need a degree for her chosen career at the moment, another opportunity may present itself to her at a later date and the lack of a degree may hold her back. Much easier to change career by doing a shorter post-grad qualification and gaining experience in the new field than having to study for longer as an undergraduate with the 18/19 year olds.

    Ultimately, NG is right that it's her daughter's decision but family attitudes will factor in.
    2018 totals:
    Savings £11,200
    Mortgage Overpayments £5,500
  • AlexLK
    AlexLK Posts: 6,125 Forumite
    Debt-free and Proud!
    newgirly wrote: »
    Disaster! I have been mooching (with a bit of a hangover) on fleabay at cars as usual, and our little mg midget is on there! We loved that car so much :D I am so tempted to do an Alex , stop me please! It would be the worlds best surprise for dh to get his car back with big bow on xmas day. :rotfl:

    :rotfl:

    I like MGs. :) Obviously depends on the ££££s and if you'd be happy to have a bit of fun and then sell on in say, one year? If it's reasonably priced and in good order, there's no reason you can't see it as an investment. :)
    2018 totals:
    Savings £11,200
    Mortgage Overpayments £5,500
  • newgirly
    newgirly Posts: 9,353 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    In an ideal world Alex we would all take a few years to learn stuff we may well end up not needing or using for pleasure. That is not my dd though, she wants to work hard and do well and knows that putting in extra now will help her get ahead, so is focused on what she needs to do to get the job she wants. I should state she has never been pushed by us ever.

    As for family attitudes, she has not been influenced at all, she doesn't know my personal opinion of what she should do or anyone else's. I want to raise kids that think for themselves and make their own choices by the time they reach teenage years. Some of the family went to uni, some didn't so there is no undercurrent of approval or disapproval.

    I agree that obviously that in some careers its essential to have a degree, but I also see the otherside , where sheer hard work and putting yourself out there are admired qualities. In a way I see that as a stand out feature. I will be just as proud if she goes to uni or not as I already know she will do well.

    As for the mg, I would not see it as an investment but more as a family pet.
    MFW 67 - Finally mortgage free! 💙😁
  • AlexLK
    AlexLK Posts: 6,125 Forumite
    Debt-free and Proud!
    Personally, I cannot remember many of my peers that thought much beyond wanting to have a good time. :o We all presumed things would just slot into place after uni. Your daughter does seem a lot more grown up, though. :)
    2018 totals:
    Savings £11,200
    Mortgage Overpayments £5,500
  • Good for your DD NG, she sounds like a real go getter and as someone who did a degree in a bit of a half hearted manner I think that internal drive is the most important thing to have. It keeps you focussed whatever your target.

    PS - don't buy the MG!!!!!! :)
    Current mortgage as at start of diary 14.08.15 - £245,990.00
    Mortgage balance as at 04.01.20 - £123905.51
  • newgirly
    newgirly Posts: 9,353 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Dd is way more responsible than me :rotfl:

    Wtrs, I won't buy the mg (probably ;)) its just because it was ours and we loved it and have had to endure the annoying man who bought it driving past our house in at all the time with the roof down, even in the winter! Oh and there was the time he took it to a local car show and told everyone looking that he renovated it, when we paid a friend to work on it over the time we had it.

    Xmas presents for the kids located and totted up, ducks for cover - have gone over by £70 each :eek: In my defence I never buy them anything ever and there are boring bits like razors deodorant etc. :o did get good deals on stuff and am giving ds1 £100 cash as he may be going to the spa grand prix next year so will have to pay towards it dd and ds2.have no cash just presents.

    2x less presents this year best friends step daughter is now 18 like my dd so we have stopped buying and of course gran :(

    Work do tomorrow only a carvery which dh has stratched to at £10.99 per head, drink they will have to pay towards. Starts after they shut early at about 3 or 4 pm , could end up a lively one as there is a pub crawl afterwards and some of them will have a few beers , one year one of them fell asleep in his dinner :eek: dd finally got her id card through today, 18 in july and only just bothered to sort it. I don't feel.in the mood to drink much as i don't want to waste saturday feeling rough, I must remember this when I am actually out :beer::rotfl:
    MFW 67 - Finally mortgage free! 💙😁
  • newgirly
    newgirly Posts: 9,353 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    newgirly wrote: »
    1).Go on a cruise....:)
    2).Holiday with extended family.........:)
    3).Sew a patchwork blanket......made a photo patchwork one :)
    4).Grow runner beans
    5).Read 40 books
    6).Go to a Xmas carol concert at the Albert hall.......:)
    7).Eat chips on a pier
    8).Go on the dodgems......:)
    9).Write a poem.......:)
    10).Watch a movie outdoors
    11).Join twitter......:)
    12).Go on a bike ride......:)
    13).Make Xmas tree decorations........:)
    14).Build a sandcastle
    15). Make bunting
    16).Watch 40 of imbd's top 250 films of all time
    17).lose 2 Stones
    18).Visit a Xmas market
    19).Sell something on ebay......:)
    20).Have an afternoon tea
    21).Host an afternoon tea.......:)
    22).Make my own wine......:)
    23).Do a puzzle
    24).Go for a walk in the rain........:)
    25).Go to a casino.....:) on the cruise but I'm counting it!
    26).Bake a birthday cake
    27).Play an Xbox game......:)
    28).Go down a waterslide...:)
    29).Go to a prom.......:)
    30).See the oxford street Xmas lights......:)
    31).Visit the IMAX......:)
    32).Visit the national gallery
    33).Take dh on a surprise night away.......:)went after my birthday
    34).Go for a picnic.......:) went yesterday
    35).Learn to play chess......:) had a go!
    36).See Michael buble.......:)
    37).Host a Halloween do.......:)
    38).Rollerskate
    39).Cook a Xmas dinner.........:)
    40).Pay £27,000 off the mortgage
    [/QUOTE][/QUOTE]



    Another 4x ticked off, carols at the albert hall, oxford street lights, host a halloween do and do a family xmas dinner (was last sunday but was still a full xmas dinner :))
    MFW 67 - Finally mortgage free! 💙😁
  • AlexLK
    AlexLK Posts: 6,125 Forumite
    Debt-free and Proud!
    Have a nice day / evening with work.

    You've inspired me to make a list of 40 things to do in 2016. :)
    2018 totals:
    Savings £11,200
    Mortgage Overpayments £5,500
  • newgirly
    newgirly Posts: 9,353 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Yay fantastic :T
    MFW 67 - Finally mortgage free! 💙😁
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