We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

I STILL want to be mortgage free - 2011!

17071737576104

Comments

  • twinklie
    twinklie Posts: 5,184 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Thanks honeypie.

    Yeah as for the Wii fit, the bit I need to do is all the cardio. I'm very slight of build and naturally pretty toned anyway, so don't need to worry about that. It's exercising my lungs thats the issue - so the step aerobics thing on there is perfect as are a few other bits. I was contemplating getting Zumba for the Wii, but not sure I can afford it tbh.

    Right, sums are all done. I've more than doubled whats in my ISA since April which I'm pleased with. Want to get it to 5K at least before I turn down the payments and start OPing mortgage even more. It's my safetynet!! We spent a lot out of it at the start of the year - paying off existing debts etc rather than just transferring them. So it needs building back up.

    Nothing exciting happening but it's all pretty positive I guess. I am enjoying planning my Psychology stuff for next year though. So excited about it. I can't even tell you - it's just silly!
    Reduction in daily mortgage interest since October 23 (new mortgage) - £2.36 July 25
    % of house owned/% of mortgage paid off. July 25 - 38.82%/31.66%
    MFiT-T7 #21
    MFW 2025 #2
    MF Date: Oct 37 Feb 37
  • Sepa74
    Sepa74 Posts: 962 Forumite
    Hi Twinklie, glad to hear you're feeling better.

    Swimming is absolutely the best thing for exercising lungs but it has to be proper swimming - Australian crawl, head in water type swimming. It's excellent for asthmatics - many champion Australian swimmers are asthmatics!! they started swimming as children to control the asthma and just kept going... and going... and going!

    Yoga is also good - it won't get you breathless, but will help you regulate your breathing and teach you how to use all your lungs, not just a little bit.

    Both have expenses attached, I know :( the only free thing that I can think of is running!
    Borrowed £150,000 in an offset tracker mortgage in May 2007 - MFD May 2041 (67)

    Jan 2012 - £125,620.02 / 2,913.87 / Nov 2032 (58) :beer:
    Apr 2012 - £122,901.88 / 3,170.91 / Jul 2032 (58)
    Jul 2012 - £122, 589.02 / 3,507.99 / Sept 2032 (58)
    Oct 2012 - £120,476.31 / 3,889.42 / July 2032 (58)
  • twinklie
    twinklie Posts: 5,184 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Right, just been looking for car insurance quotes. It turns out for the 3rd year in a row - our current insurers (Admiral) are STILL the cheapest. Even though it's gone up a bit...damn living in the STUPID postcode that we do. :(
    Reduction in daily mortgage interest since October 23 (new mortgage) - £2.36 July 25
    % of house owned/% of mortgage paid off. July 25 - 38.82%/31.66%
    MFiT-T7 #21
    MFW 2025 #2
    MF Date: Oct 37 Feb 37
  • twinklie
    twinklie Posts: 5,184 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    School is out for summer. I'm not excited though. I have no idea why...how ungrateful is that. I'm guessing that it's because it means I can't put off that massive amount of work I have to get done any longer. Boo.
    Reduction in daily mortgage interest since October 23 (new mortgage) - £2.36 July 25
    % of house owned/% of mortgage paid off. July 25 - 38.82%/31.66%
    MFiT-T7 #21
    MFW 2025 #2
    MF Date: Oct 37 Feb 37
  • museumworker
    museumworker Posts: 2,240 Forumite
    Part of the Furniture Combo Breaker
    Can I be excited on your behalf?

    :j:j:j:j!

    What have you got on your (scary sounding) to do list for the summer?
    Mortgage [STRIKE]16/03/2011: £190K 01/01/2017: £107,729.65 [/STRIKE] 01/07/2017: £95,979.89
    OPs 2011-2016 = £45K 2017 OPs = £9250.20
  • twinklie
    twinklie Posts: 5,184 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    I need to write my dissertation (yawn), plan 5 schemes of work for Psychology and then one for KS3 science. Then I need to plan my KS4 work as well (that's the lesser of all the evils because I'm not going from scratch from that one). :D
    Reduction in daily mortgage interest since October 23 (new mortgage) - £2.36 July 25
    % of house owned/% of mortgage paid off. July 25 - 38.82%/31.66%
    MFiT-T7 #21
    MFW 2025 #2
    MF Date: Oct 37 Feb 37
  • twinklie
    twinklie Posts: 5,184 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Oh and my DH is having an operation on the 15th August that means he'll be stuck under my feet and needing me to do everything for him.

    Oh and by the way - feel excited for me if you want! :D
    Reduction in daily mortgage interest since October 23 (new mortgage) - £2.36 July 25
    % of house owned/% of mortgage paid off. July 25 - 38.82%/31.66%
    MFiT-T7 #21
    MFW 2025 #2
    MF Date: Oct 37 Feb 37
  • twinklie
    twinklie Posts: 5,184 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Right cars been in for a service today £129 (plus free vac and wash). Had my hair done and got caught up in a real life version of The Bill - very exciting.

    Made a lovely new spreadsheet so that we can organise ourselves for getting the house sorted and planning towards the big move. Unfortunately we've got a £830 car ins bill coming, home ins is due Sept time and the MOT for the car is due 1st Sept. There are also some warnings that flashed up on the car service this morning which is another £650 we know we have coming out - gutted! :(

    What sorts of things do I have to save up for with regard to a house move? I've got a while to save up - but want to start setting money aside (or planning to set money aside) now! :D
    Reduction in daily mortgage interest since October 23 (new mortgage) - £2.36 July 25
    % of house owned/% of mortgage paid off. July 25 - 38.82%/31.66%
    MFiT-T7 #21
    MFW 2025 #2
    MF Date: Oct 37 Feb 37
  • cha97michelle
    cha97michelle Posts: 5,818 Forumite
    Part of the Furniture
    I hope it is a healthier summer for you than last year. Make sure there is some fun on that list too then. xx
  • twinklie
    twinklie Posts: 5,184 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Thanks honey, me too! Last summer was awful. Still this weekend is all about work. I won't see DH because he's away for the weekend. So figured I could get some work stuff done whilst he's not here. :-)

    I'm a saddo I know.
    Reduction in daily mortgage interest since October 23 (new mortgage) - £2.36 July 25
    % of house owned/% of mortgage paid off. July 25 - 38.82%/31.66%
    MFiT-T7 #21
    MFW 2025 #2
    MF Date: Oct 37 Feb 37
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.1K Banking & Borrowing
  • 253.5K Reduce Debt & Boost Income
  • 454.2K Spending & Discounts
  • 245.1K Work, Benefits & Business
  • 600.7K Mortgages, Homes & Bills
  • 177.4K Life & Family
  • 258.9K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.