Deleted

SmlSave

Just checking hun I'm super paranoid about protecting assets ext. Personally I would get it changed over, create a Trust Deed or make sure the Wills mention the maritial home (I work at a solicitors and swear its just made me more paranoid! the things some people do when they think they're owed :eek:)

katsu

Hi mummalove,

You can find the template for an SOA if you go onto the Debt Free Wannabee board - it is in one of the sticky threads. Very interesting exercise to do.

All the best wishes for OPing.

SeriouslySeekingtoSave

I know where SmlSave is coming from, I hate reading the opening part of diaries which say 'I was with so and so and then they ran off and I got left with nothing' I just feel so awful for people! I also don't want to see you go through that twice. If you are sure it's ok and you've been given sound legal advice then ok, but would also probably get it done just because I'd like to have it in writing. God, sorry, it's not very romantic to talk about money like this when you sound like you've found a lovely fella

CathT

Hi mummalove, have seen your posts on other's diaries and am glad you have started your own. My mortgage is with Halifax and I struggled for ages to work out how to send OP's. I did one for £3000 in branch once but couldn't do it online. Anyway, you can't OP from a halifax account. If you have your mortgage on your online banking your sort code and account number are there and you can make OP's from a different bank ie. i use my barclays account. I just rang them to ask them to keep repayments the same so that capital would reduce. I have a mortgage Spreadsheet and it almost matches up with my account update each month.

cha97michelle

First time of noticing your new diary. Welcome and good luck with your challenges.

SeriouslySeekingtoSave

mummalove wrote: »

Thanks Michelle, it's great reading what everyone else is up to too and catching up on money saving ideas etc. I am sure I bore everyone rigid at work with all my MSE small talk! But I know everyone on here knows how every penny counts and what a great feeling we have making even the slightest saving...and planning our financial futures :money:

ooh yes! I keep it a bit under wraps at work at how much energy I am putting into meeting these strong financial goals that I've set myself. I've already been told by a colleague that I wouldn't have taken an awesome holiday deal that my friend went on because I was too cheap to do so! Totally not true either, as I pointed out to him I WOULD have taken the deal because it was so fabulous and such amazing value for money.

rlc22

Hi mummalove,

I thought I'd just swing by and say hello. :wave:

I'm also becoming addicted to surveys. I'm only £1.70 from my first Onepoll payout now and am obsessively refreshing the site all day to see if there's any new ones for me!

Rach x

CathT

I only really discuss my mortgage free activity on this forum and with DH who is quietly interested i think! I don't know many people who are mortgage free in their 40's but it is an achievable goal for me and DH. Am sure colleagues/friends would be more interested by that point!

Rach, I love onepoll too and they payout really quickly once you get to £40. I had a payout just before christmas and am already back up to £7!

rlc22

mummalove wrote: »

Cath, I am on £6.85 for One Poll - I love their surveys as I can sneakily do these quick ones at work when no-one is looking

That's what I do too! :embarasse

Pennypincher2

Hello and welcome.
You are doing really well, I am 42 and my husband is a few years older than me. I have 9.5 years left on my mortgage that is £98000 phew, I cant chop it down by much but would love to be mortgage free for 50. I pay my overpayments by chq and either send or walk it in and I have two mortgages on different rates so aim at the highest interest rate one. I am aiming for £160 per month over pay and had paid off my credit cards end of Dec but have had a shocking January and am up to about £300 again which will need paying off next week!!! I try to find extra money by being really careful with debt (normally) shopping weekly for food and planning meals. Not buying stuff if I can help it, not decorating the house or buying clothes, if it is not needed - miserable it sounds but I have done it for years. Making stuff. We do go out occasionally and we have personal spending money which I spend and save for stuff and we always have a holiday because we feel we work hard and need to get away but in years when we have been very broke we have taken the tent to Dorset and had really cheap hols and really enjoyed it. Now I try to save for a holiday each year. This year I have bought lots of pressies in the sales and i hope to see benefit from this in the coming year and I shall pay for them a second time but at full price into my piggybank to help me save money if that makes sense.

I was at it before I found this site when I had children I really got into scrimping and saving then I found this site and everyone is better than I am at it. The old fashioned money saving bit is fab too.

Welcome again and byeee PP