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Mortgage Free - so good they'll do it twice! Wynnvegas aiming for the big house

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  • shows how diverse uk is---they prob dont realise there racist.live in the small circle.

    there daily mail is calling kate(future queen)---a commoner

    obviously council estate isnt in there vocabulary
    £48515 interest £181 (2009)debt/mortgage-MFIT/T2/T3
    debt/mortgage free 28/11/14
    vanguard shares index isa £1000
    credit union £400
    emergency fund£500
    #81 save 2018£4200
  • Thanks for sharing the journey with us - I'm inspired by and entertained by your diary!

    All the best,

    Squirrel x:j
    Paid off mortgage nine years early in 2013. Now picking and choosing our work to fit in with the rest of our lives!
    Still thrifty though, after all these years:D
  • wynnvegas
    wynnvegas Posts: 1,377 Forumite
    Mortgage-free Glee!
    edited 24 November 2010 at 12:04PM
    Thanks BT / Squirrel,

    Glad you're enjoying what has turned out to be a pretty uneventful month in all. Still waiting on drawings back from the design guru and, due to an operation my friend had last week, we're potentially putting off the land viewing for another week. I did finally go and get the iphone I've been promising myself - unfortunately, all Tesco had in the end up was the 32Gb one which is ridiculously massive and cost me an extra £80. I was somewhat underwhelmed until I found the Apps for the casinos in Vegas and, even better, the sky+ apps which let you fiddle about with the iphone to record things on the telly. That's just genius! It was busy charging last night and I'm ridiculously busy at work today to get into it properly but I foresee an itunes odyssey this evening with getting all the songs and such like onto it and then going app happy. Anyone any recommendations?

    Cheers,

    Billy
    Mortgage Free: 28/10/2010
    Time / Interest Saved: 18.5 years / £61,866.50
  • black_taxi wrote: »

    there daily mail is calling kate(future queen)---a commoner

    obviously council estate isnt in there vocabulary

    Yes, commoner with a garden capable of landing a chinook helicopter on !
    RosieTiger - Highest £242,000 Feb 2004 :mad:
    Lightbulb Dec 2008 £146,000 by March 2026:eek:
    MFi3T2 and T3 No 28 - Dec 2009 Start Balance £117,000
    Current Position-Fully off set by savings since March 2013
  • wynnvegas
    wynnvegas Posts: 1,377 Forumite
    Mortgage-free Glee!
    Morning Folks,

    What a week! Got the iphone and it is all the fun of the fair. Quite impressed with it when all is said and done but I've yet to fully explore the Apps Store to see what other goodies are on the go. What I've seen thus far of both this and the Ipad has convinced me to get them both but the Ipad can wait until version 2 comes along next year.

    Had a really busy day last Thursday which was neither here nor there until I made the mad dash back to the sports centre to play 5-a-side football. It turns out that a combination of an hour and a half in a roasting hot car, jumping out into -3, not bothering to warm up as the game was already underway and pushing 30 is a perfect combination of factors for a left quadracep strain - as I found out to my cost and fair degree of pain. I soldiered on through the rest of the game until, with about five minutes to go, I caught a perfect volley and crashed what was an equaliser at the time into the roof of the net - just as well as the right quad went at that point leaving me a hobbling wreck for a few days and it's only eased up to any great degree today! This hasn't helped the weight loss in any way so I need to get back on that horse as there's a number of dinners and do's to be going to over the next month that normally add half a stone!

    Over the weekend we got all the Christmas shopping done. How we've managed to blow the budget in the way that we have, I've no idea but we're about £1,200 over what we'd intended spending, leaving me around that amount short of our first monthly surplus. We know people will enjoy the stuff though and it's been more fully thought out than any other year has been but it's nice to have it over and done with. If it's another snowed in day tomorrow, we're going to wrap presents and put up the tree so Moyra is in hyperdrive at the minute! Christmas regresses her 25 years and she's like a kid who's mainlined some sherbet!

    Cheers,

    Billy
    Mortgage Free: 28/10/2010
    Time / Interest Saved: 18.5 years / £61,866.50
  • LilacPixie
    LilacPixie Posts: 8,052 Forumite
    8 inches forcast for the Angus/Dundee/NE Fife area this evening/night/tomorrow. I have been snowbound since Friday... ::yawn::

    Why do men turn into children when playing 5 a sides??? You were not Dave Narey (at least I hope you arn't, if you are i'll see you on sunday :) the other blokes were not Brazil and it was not the world cup in spain. shhhhssh
    MF aim 10th December 2020 :j:eek:
    MFW 2012 no86 OP 0/2000 :D
  • babyb06
    babyb06 Posts: 369 Forumite
    Sounds like your family will have an amazing Christmas! And whilst going over budget may hinder your targets this month you need to allow yourself to let your hair down after clearing that huge mortgage!

    I am with Moyra - I LOVE CHRISTMAS!
    Mort at highest - June 2008 - £171,000 - Daily Int 5.9% = £27.64:eek:
    Offset Mort - Nov 2010 £150,299- Daily Int 3.75% = Nov £15.44
    Mortgage Jan 2012 - £136,000 - Daily Int 3.75% - £3.10
  • wynnvegas
    wynnvegas Posts: 1,377 Forumite
    Mortgage-free Glee!
    Morning LP / babyb,

    If I had half the talent of a young Dave Narey, I'd be laughing. I've learned my lesson good and proper though! It's a serious business that is mainly intended as a bit of a fitness boost for all us old, fat men in the office. There are a couple of decent players (aka too quick to even kick out of the game) who make the rest of us look stupid but I take my football like my snooker - one good moment a session is the standard I aim for!

    Moyra is, as I type, sitting with Christmas socks, a Christmas hair bobble thingy, fluffy penguin jammies and a bounce that is apparently demonstrating a lack of patience with getting the Christmas tree up immediately. I've got some work to get done this morning but there's no way I'll get past midday without getting up the loft.

    On a bad MSE note, the snow has done for the whirlygig clothes dryer out the back. It looks like it's been uprooted which sounds like a job for someone else at some point!!

    Cheers,

    Billy
    Mortgage Free: 28/10/2010
    Time / Interest Saved: 18.5 years / £61,866.50
  • wynnvegas
    wynnvegas Posts: 1,377 Forumite
    Mortgage-free Glee!
    Morning Everyone,

    Been a bit of a week and a half with all the snow. The net effect for me is that, with the exception of a couple of walks down the street and a half day escape last Sunday before it all hit again, I've been on a working from home extravaganza. In the time we've had in the house, we've managed to clear the sky planner, watch all three seasons of The Big Bang Theory and all seven seasons of The West Wing, upload all the songs we wanted to i-tunes (need to remember to back it up this time!) and, most importantly, on the first (following a trudge down through the snow on the 30th to get more tinsel), the tree went up. We've also managed to get all the presents wrapped and stuck under the tree (http://i826.photobucket.com/albums/zz190/wynnvegas/DSCN4334.jpg) which gives us our spare room back, get the new Tesco credit cards through and activated, open the new Santander bank account, get the iphone loaded and working well (so well, unfortunately, that Moyra has decided she has to have one now as well) and, having completely forgotten about the offer from a few months ago, I took receipt of my £40 of M&S vouchers for switching the life insurances about in the summer. In short, the snow and ice is just about the best moneysaving tool I've been able to find as we've spent the sum total of about £50 in the last fortnight. That being said, Moyra is now gearing herself up for the January sales so the nice feeling of having some money in the bank will be short lived!

    Hope everyone else is little affected by the weather! We're about two miles from the M8 car park and it hasn't looked like much fun at all this week!! My trudge down the street today is unfortunately to visit the dentist. I have what I feel is a completely rational fear of dentists but I had some rubbish toothache a couple of weeks back so it's time to brave the chair!

    Cheers,

    Billy
    Mortgage Free: 28/10/2010
    Time / Interest Saved: 18.5 years / £61,866.50
  • Froggy-G
    Froggy-G Posts: 2,145 Forumite
    wynnvegas wrote: »
    Morning Everyone,

    Been a bit of a week and a half with all the snow. The net effect for me is that, with the exception of a couple of walks down the street and a half day escape last Sunday before it all hit again, I've been on a working from home extravaganza. In the time we've had in the house, we've managed to clear the sky planner, watch all three seasons of The Big Bang Theory and all seven seasons of The West Wing, upload all the songs we wanted to i-tunes (need to remember to back it up this time!) and, most importantly, on the first (following a trudge down through the snow on the 30th to get more tinsel), the tree went up. We've also managed to get all the presents wrapped and stuck under the tree (http://i826.photobucket.com/albums/zz190/wynnvegas/DSCN4334.jpg) which gives us our spare room back, get the new Tesco credit cards through and activated, open the new Santander bank account, get the iphone loaded and working well (so well, unfortunately, that Moyra has decided she has to have one now as well) and, having completely forgotten about the offer from a few months ago, I took receipt of my £40 of M&S vouchers for switching the life insurances about in the summer. In short, the snow and ice is just about the best moneysaving tool I've been able to find as we've spent the sum total of about £50 in the last fortnight. That being said, Moyra is now gearing herself up for the January sales so the nice feeling of having some money in the bank will be short lived!

    Hope everyone else is little affected by the weather! We're about two miles from the M8 car park and it hasn't looked like much fun at all this week!! My trudge down the street today is unfortunately to visit the dentist. I have what I feel is a completely rational fear of dentists but I had some rubbish toothache a couple of weeks back so it's time to brave the chair!

    Cheers,

    Billy

    Hi Billy! :j

    I am with you on the dentist front!! The further away I can keep from them, the better!!:eek:
    I think I could see my xmas present under your tree, with the tag "Merry Xmas Froggy"!! How generous Billy!!:p

    Glad all is ok Oop North.. Was thinking about ou while watching the news in Scotland...
    Think OH is on the same mission as Moyra.. My Tesco CC will take a serious battering in the Januray sales... And I still have to buy the new bathroom yet!!

    Cheers
    Froggy :D
    Froggy's New Lillypad Fund
    Total so far: £ 10,009.77
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