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Pay off mortgage and start having fun!

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  • Firegirl
    Firegirl Posts: 1,007 Forumite
    Tenth Anniversary 500 Posts Name Dropper
    Well done on your energy savings! That's brilliant!
    Mortgage balance Feb 2015 start of MFW Journey-£245316.06/Aim to be mortgage neutral 2022 — Target for May 2024 14 Year Target Balance MF50 = £89,535 — Mortgage Balance £106, 000—Target for May 2024! £89,535

    Retirement Planning
    Starting Position (Jan 2024) : Pension 1-£165,000/Pension 2-£50,000/Pension 3-£9,500/ISA-£87,000/Total-£311,500
  • CathT
    CathT Posts: 7,133 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Great savings on energy bill direct debit. I am trying so hard to keep heating off now!
    June 2025 - part 1 - £19,145 part 2 - £21,973 Total - £41,118 29 months to go!
  • newgirly
    newgirly Posts: 9,352 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    To be fair it is quite cold at the moment :snow_laug: I think we have just been paying a lot as we didn't have a summer surplus to see is through. Either that or I read the meter wrong :eek: it is a dodgy old one in a dark cupboard , so it always a possibility :rotfl:

    Soooo tired today, work manic, then the usual running around at home in the evening. We have just started watching the Oj Simpson drama which is good on catch up, but am too sleepy to concentrate so am off to bed :D
    MFW 67 - Finally mortgage free! 💙😁
  • Pushkin
    Pushkin Posts: 795 Forumite
    I love that OJ Simpson programme - I know its dramatised but even so can't believe the stuff that went on. If it wasn't based on fact you would never believe it!
  • lulabelle1
    lulabelle1 Posts: 2,704 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    well Jel, I'd love to see Adele.. bet she was fantastic !
  • newgirly
    newgirly Posts: 9,352 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Apparently she was lulabelle, but she should have been for the vast amount my parents paid for 2x tickets on the ticket resale site :eek:

    Nice day yesterday, looked after best friends one year old for 45 mins whilst she went to a school assembly, just 45 mins! I have no idea how I ever coped with 3 kids aged 3 and under :rotfl: after that we went to the shops for a quick mooch, I bought a top for the cruise from next with birthday money.

    Today ds2 is at work with dh, ds1 will do a bit of revision and no doubt lazing around, I am taking mum and dd to see my big fat Greek wedding 2, she watched the first one the other day and enjoyed it (not our usual taste really) I think having a Spanish gran helped, she has some different ways about her sometimes, like licking her hand and touching your face for luck , that sort of thing :D

    New mortgage deal time is on the horizon soon, deal ends end June I think, so will have to ring up soon, I want maximum op's allowed, there is one that allows 50% at 2.04 % for 2 years, so we will more than likely go for that, options are limited as we can't change provider.

    I finally got a message back from Santander credit cards about she the 0% deals ends and its sooner than I thought, this September :eek:so I have (yet again!) changed my mind- to clear both before they are due for the deal to end would mean not paying enough on the mortgage, which I am not prepared to do. So we will apply for new 0% cards and continue to chuck everything at the mortgage (holding back some until the remortgage has gone through due to op limits )

    Off to have breakfast, feeling quite Easter like thanks to the light up Easter egg fairy lights I bought in £1land yesterday :easter_ba:easter::easter_ba I will be making shredded wheat nests later :D
    MFW 67 - Finally mortgage free! 💙😁
  • newgirly
    newgirly Posts: 9,352 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Nearly forgot the most exciting news of the week - in my mr t delivery was a big bar of cadburys puddles in a wrapper saying happy Easter ! :EasterBun dd sorted for cinema snacks now :D
    MFW 67 - Finally mortgage free! 💙😁
  • Muser1
    Muser1 Posts: 795 Forumite
    I've got light up chicks :)
    Mortgage Jan 13 99260.00 87253 April 2017
    Emergency fund 700.00
  • newgirly
    newgirly Posts: 9,352 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Today's plans are:

    Deliver eggs to friends little ones
    Make up Easter gift bags for my lot
    Do washing
    Tidy up and clean
    Rummage around for dinner tonight
    Balance the accounts
    Think about holidays

    I wanted to take the kids away somewhere special as they all break up early after exams so prices are cheaper. The kids have not been too interested really, but I thought I would have another look through what we could do. They have mostly had a holiday each year of some description, mainly salcombe in Devon with my parents amd a fair few caravan breaks, a few centre parks and butlins breaks. We once went to a villa in the Algarve for a week. I have no idea what might entice them , not a lot probably :D

    To be honest, mum has said she will give us some money when she sells grans house (currently going through) and I am under the impression it will be enough for a family holiday. There are of course other places it could be made use of, but I would love it if it went on a family holiday :)

    I am thinking along the lines of:

    A mini cruise on a big ship - they can go off independently in a safe environment

    Hot holiday in a hotel , never done with the kids before, not sure beach holidays are my thing really

    City break

    I don't know, I am probably wasting my time, dh says it's too late now :( I am not giving up just yet though.
    MFW 67 - Finally mortgage free! 💙😁
  • I am doing Easter revision. My letter was with admin ready to go in the first week of March.

    It finally went the day before yesterday.
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