That was scary; now to tackle the remaining mortgage

teapot2

Goldiegirl wrote: »

Congratulations on your mortgage free status !




I used to work for the Halifax, and that's exactly what'll happen.


Even though the Deeds aren't the valuable documents they once were, they are still nice to have. When I repaid my mortgage in 2011, they sent deeds by signed for post, so expect a knock on the door in about 3 weeks time!

Thanks GG, that's very reassuring, I was wondering about the deeds as I seem to remember something about having to keep them in a fire proof safe tho I might have made that up :rotfl:

Lois_E

teapot2 wrote: »

Thanks Lois - all bumbled through without the aid of a spread sheet x

Is that even possible????

teapot2

TeeHee it leads to a few surprises but can be done -just as well

Tilly_MFW_in_6_YRS

Congratulations, lovely news to read

Tilly

teapot2

Tilly_MFW_in_6_YRS wrote: »

Congratulations, lovely news to read

Tilly

:hello: thanks Tilly, good to 'see' you

teapot2

OK, a week left of my time off so need to get my bahookie into gear, do a list and actually complete it!! I have a habit of writing lists and not finishing everything off, adding more jobs and getting discouraged and then I tend to 'lose' the first list and start a new one.


Have had a good week including lunch out on Wed and then a visit to a friends on Thurs, we sat by the sea with a flask and some cake and had a good blether and made plans...... Y'day lunch out with OH, we went to a local caf! that's been there for years and the portions were huge so didn't need tea - does that make it MS? Probably not .


Need to write a letter of protest this week to a certain Swedish store. I won't bore you with the details but everything that could go wrong did go wrong so mucho time wasting and inconvenience experienced which I'll regale them with! Started writing it last night and am on page 2 already. Have done a letter cancelling mortgage protection insurance as we don't need it now :cool:


I need to get the fence and the shed painted this week if possible. Already got 2 days out planned for the week so I need to be disciplined [not my strong point]. This morning took cat to get his boosters [£49 :eek:] posted an Amazon sale and got some bread as we've run out - so not a NSD. OH is out at work so enjoying a bit of space at the mo.


So list for week includes;


do a list of annual or infrequent spends so we can budget for them once OH leaves work things such as boiler service, car insurance, my hair cuts [not annual!] and pressie budget..
paint fence & shed
finish letter to Ike@
look at which ISA to open for savings
weed bit at side of house
order some gravel/stones to be delivered as some bits are looking patchy in front garden
put flat pack CofD together and stain it
list more books on Amazon
try and break old fence panels into manageable size bits to take to dump
Cancel mortgage DD & 2 insurance DDs
Bring myself to check out the Fringe programme and book a day out in the big city for me and OH


phew that's just the things I can remember, I know there's more but maybe I'll do the list now I've written it here oh yes just remembered the oven needs cleaned :-(


Off to have some lunch in the garden :cool:

teapot2

Back at work y'day, bit of a shock to the system. Sooo, report back on list below [don't know how to do the crossing out thing that some folk manage on their lists]

teapot2 wrote: »

So list for week includes;


do a list of annual or infrequent spends so we can budget for them once OH leaves work things such as boiler service, car insurance, my hair cuts [not annual!] and pressie budget..
paint fence & shed DONE BUT KEEP REMEMEBRING MORE THINGS
finish letter to Ike@ DONE, VOICEMAIL TO SAY THE LOCAL STORE WILL BE IN TOUCH
look at which ISA to open for savings DONE, DECIDED TO GO FOR SANTANDER 123 BUT WANT TO KEEP EXISITNG ACCOUNTS OPEN SO CAN'T USE SWITCHING SERVICE
weed bit at side of house HALF DONE
order some gravel/stones to be delivered as some bits are looking patchy in front garden
put flat pack CofD together and stain it
list more books on Amazon DONE BUT MORE TO DO
try and break old fence panels into manageable size bits to take to dump CBA
Cancel mortgage DD & 2 insurance DDs DONE
Bring myself to check out the Fringe programme and book a day out in the big city for me and OH DONE

Felt v good not having to move money around to pay mortgage this month. Hali v slow to confirm in writing that its paid back - had to ring and remind them! Managed to forget to transfer money in to pay DDs though so we were about to go into overdraft but as I check everyday online was able to sort that.


Feel a bit weird about continuing diary as am now MF. I know am not a v regular poster but it does keep me focussed. Next step is to save for retirement and keep managing on my self employed money once OH leave work next month. I had a look on the savings board and it doesn't seem to have many diaries so not sure what to do.

gallygirl

Back at work y'day, bit of a shock to the system. Sooo, report back on list below [don't know how to do the crossing out thing that some folk manage on their lists]

When you go to post a reply there are 2 menu lines above the message box, with bold etc. Strikethrough is the far right on the bottom line, looking like this [STRIKE]S[/STRIKE]

GG :j

Newlyboughthouse

teapot2 wrote: »

Back at work y'day, bit of a shock to the system. Sooo, report back on list below [don't know how to do the crossing out thing that some folk manage on their lists]





Felt v good not having to move money around to pay mortgage this month. Hali v slow to confirm in writing that its paid back - had to ring and remind them! Managed to forget to transfer money in to pay DDs though so we were about to go into overdraft but as I check everyday online was able to sort that.


Feel a bit weird about continuing diary as am now MF. I know am not a v regular poster but it does keep me focussed. Next step is to save for retirement and keep managing on my self employed money once OH leave work next month. I had a look on the savings board and it doesn't seem to have many diaries so not sure what to do.

Ah well done I cannot wait to be MF v envious!

Goldiegirl

teapot2 wrote: »

Feel a bit weird about continuing diary as am now MF. I know am not a v regular poster but it does keep me focussed. Next step is to save for retirement and keep managing on my self employed money once OH leave work next month. I had a look on the savings board and it doesn't seem to have many diaries so not sure what to do.

I was hesitant about starting my diary, as I paid my mortgage off a couple of years ago, but there was no where else to do it. The pensions board and the savings board didn't feel quite right, and everybody here had the same mindset as me, so I took the plunge.

It's the best thing I could have done, everybody is so supportive, and I'm inspired by everybody's diaries.

I hope you carry on posting - if you go to your very first post, I think you can rename your diary, so you could call it something more appropriate for your new situation:)