Pay off mortgage and start having fun!

greent

themadvix wrote: »

You know you don't need to leave if you've paid it off - it seems some people never leave!

I don't know what you mean...... :whistle:;):D

MFW board is one of *the* most friendliest places on MSE

newgirly

I don't think I will ever leave the mfw board, mortgage free or not

AlexLK

Far too many old cars spend their lives sat rotting in garages, themadvix.

newgirly

Weigh in day last night, after feeling like I really hadn't lost anything it showed a loss of 5&1/2 pounds :j so happy with that 24 left to lose.

Still no quote from the first builder that has come over, I have another one in mind to book in a visit too, best friend's parents have just had something similar built so I'll pop round to see theirs first.

Firegirl

5 and a half pounds!!!!!! Well done!!!!

newgirly

Thanks firegirl!

I've set a new budget based on us spending £60k on the extension, we may have a problem as we need to build over a main drain in the garden, if we are allowed we will have to get pp as it will take us over the 3m permitted, if not the extension will be about 2m so I'm not sure it's worth it, although the change of use would make a big difference allowing is to have a downstairs loo and a nice big family room/kitchen. Just wish they would hurry up with the quote!

Official end date is April 2022 so if we empty the offset and add to it for a few more months the new mortgage outstanding balance will be £105, 750 :eek: still a heck of a lot less than moving and we won't have a lot left to do in the house except cosmetic stuff and windows.

I can't bear the fact we won't have an end date near the boys 18th's anymore so thought I'd set a standard direct debit to finish 9months early July 2021 which will be their 21st's I've also allowed a much bigger budget to live on until then £1000 pm, this is to allow for extra expenses with uni and driving lessons as and when, Any surplus will go to ops or premium bonds, I'm also putting a little surplus left pm and the child benefit into bonds (that will stop next year so I don't want to use it in the budget anymore.) As well as the top budget of £60k I've allowed some for perhaps a short break with the kids I feel I can get them to go! They have a few days off in June that other schools and colleges don't so I'm hoping to find a last minute cheap deal somewhere.

Hopefully we can still slim the term down a bit more along the way, it will be doing it a bit in reverse really, instead of setting a tight budget and trying not to go over it , we will have a lot more flexibility and will op whatever we don't spend

Weightwatchers going ok, already used my weekly points and went over again last night drinking a bottle of champagne with dd whilst watching dr.who that I won in a raffle at the charity night Tuesday, a bit decadent but very enjoyable, I've been very good today though and will come in under my allowance :A

greent

Well done on the weight loss, ng x

newgirly

Cheers greent, it's not easy at the moment, I'm now in bed as I can't trust that I won't eat some toast :rotfl::rotfl:

Posted off an eBay parcel today :A bought a couple of "chip" beauty and he beast mugs the other day for £5 each (limit of 2 sadly) gave Dd one and sold the other for £19 plus postage :T spent the money already on a couple of pairs of shorts for the boys.

Doing WW is not cheap as I am eating a lot of salad, berries and apples. Since when did decent apples cost so much? I usually just buy whatever is on offer, most usually get chucked to be honest, now I'm buying get posh stuff they are not though

newgirly

Wish I had not put the tv on today to see the news before work It's terrifying that nowhere is safe, my heart goes out to those poor families.

AlexLK

I wouldn't classify salad, berries and apples as expensive food. Well, I suppose if you're buying berries from the supermarket they are somewhat expensive for what they are. However, you're doing really well with the weight loss.

I'd like to think I eat a well balanced diet and do not overindulge too often. I do think a lot is your attitude to food. My father has a bit of a strange relationship with food; if he speaks to someone in the afternoon (informal, drawing room type conversation) he will have a slice of cake and a cup of tea, expecting his companions to also indulge. The cup of tea and slice of cake play some social significance to him as he won't partake if the meeting is business related. I do wonder if you need to think as much about your relationship to food as you do about what you're eating?