MFW newbie....

[Deleted User]

thanks guys
mooc
how on earth do you manage it?? I guess slowly but surely is the way to go...
museumworker
very good idea (especially when tipsy!!) now doesnt seem a good time to sell and it will pay off more of the mortgage etc..... I will sit down and work out the figures properly I think...!

Radish72

Deleted_User wrote: »

smlsave
am off to draw a house with 129.5 bricks (to represent each thousand I need to pay off) as per someone elses thread!! oh I am so sad and obviously waaaaaaaay too much time on my hands!:rotfl:

I've drawn a 100 piece jigsaw using a clipart from Word (not bored at work one day -honest), as decided it was easier to calculate, currently I have 47 pieces filled in, goal by the end of the year is to have 50 filled in so I can say I own half of my house.

Did think about printing it out on acetate and puting a picture of my house behind it so it slowly disappears the more I pay off

Also I found a mortgage OP calculator on this site that you could use, and now I can't find it again

Found it - scroll down the page, right hand side, orange boarder called free tools, mortgage calculator, fill in your mortgage amount, interest rate, number of years left and it will calculate the monthly payment, then paly around with the OP box and it shows the difference

mummyofonechild

mooc
how on earth do you manage it?? I guess slowly but surely is the way to go... this is the first time since I was 15 (or 13 if you count babysitting and paper rounds!) that I have ever not had a job/income and it is hitting really hard .... but am trying to use the time creatively and do what I can rather than focus on what I cant

Yes, it is slowly but surely with a few treats along the way (a little 47 inch tv) amongst other things. We don't drink a lot, if anything or smoke at all which probably helps. I used the 6 weeks I was unemployed to clear out the loft

southend

hi everyone, wonder if any could tell me why my bank will only allow me to physically walk into a branch and pay money on my capital on my mortgage? Are they pullying the wool over my eyes as they will not allow me to do a d/d, any advise, perhaps reasons!!! know i can only pay just over £3000 without penalties.
Thanks, new to this

Radish72

southend wrote: »

hi everyone, wonder if any could tell me why my bank will only allow me to physically walk into a branch and pay money on my capital on my mortgage? Are they pullying the wool over my eyes as they will not allow me to do a d/d, any advise, perhaps reasons!!! know i can only pay just over £3000 without penalties.
Thanks, new to this

Are you with Halifax, I am and I have have to either go into the back with my OP or OP over the phone if I phone the number on the mortgage statement

I keep complaing to them about why I can't OP on-line as well, but apparently you can't do this from a Halifax acount

laurasavon

I've got a Halifax mortgage - you can pay online, just not from a Halifax account

[Deleted User]

hi southend
not sure which mortgage company you are with? some you need to overpay as a bank transfer or take the money directly into the branch...if you wanted to start your own thread Im sure lots of people will pop in with some ideas and suggestions!

plans for this week:
1)re-do SOA and make sure I am getting the best deals on everything (think I am but you never know)
2)pay money made from amazon sales (£34) into mortgage as an OP ...not much, but psychologically think it will do me good to feel I have done something to OPing the mortgage!
3) waiting for a cheque for £10 - pay as OP when this is recieved
4)cut down on food shop spends and use batch cooking and meal planning- am doing ok on this, £26ish spent this week including toileteries so not just food! am aiming for under £200 per month food shops (for 2 of us should be doable)..so far this week have made 2 cakes, one in the freezer, frozen half a loaf of bread rather than chucking it because we dont eat it and it goes mouldy! and meal planning for what we are eating this week!

mummyofonechild

What a long post

Is there anything you can claim whilst you are not working, i.e JSA or ESA (sorry dont know your personal circumstances) Other half is along for the journey but I am the one in complete control of the household finances. I control the bank accounts, mortgage, insurance, savings etc although he can and does have cards to access the accounts. Although this journey is mine and I choose to do it, there are no objections from him and we will both reap the benefits later I am sure.

[Deleted User]

mooc
thanks for the reply - yes I do tend to get carried away with myself and write essays at times!!
I dont qualify for any benefits unfortunately at the moment, so having to manage on what we can!

Radish72

"feeling a bit like I am doing this all on my own now...mrDeleted_User seems pretty uninterested in the whole MF idea ..despite initially showing an interest and making some musings that he "should try and OP his mortgage" ...... he is more interested at this stage in life in "stuff" he wants- which is fine....I have never really been into "stuff" so to speak (the newest things, big tvs/computers, expensive clothes)"

My BF wasn't interested when I started my diary in 2009, he just seemed to think whats the point, but now all the house is finished and on the market he has started to OP his mortgage, think in the last 6 months he has knocked off nearly £5K (which is all his overtime money)

But I still have to question his shopping habits (which to be fair is not that wild). Saturday he was looking at new TV's as he decided that I needed a bigger one for my bedroom, We didn't get one as I told him that we would have 6 TV's when we moved in together and that was a stupid amount

He will come round eventually but maybe not as much as you, you are looking at this so you can change you job in the future, so you are less stressed, which would benefit both of you