Lois_E begins a long MFW journey

Thistlewhistle

Well done Lois. That's brilliant. You should be really proud.
Tx

Thistlewhistle

Lois,
Could I prevail upon you for some help please,
You've been recommended!
Could you look at my thread "Thistlewhistle makes a dash for mortgage freedom", Post #110 and advise please?

Thank you
Tx

pixnmix_2

Well done Lois

skint_spice

Well done on being sub 80K - another milestone achieved:T

QB_Wolf

Nice work Lois, how long you forecasting to get it under 70?

Alchemilla

Excellent news.

Hope you are having a fab Easter weekend?

Thistlewhistle

Thistlewhistle wrote: »

Lois,
Could I prevail upon you for some help please,
You've been recommended!
Could you look at my thread "Thistlewhistle makes a dash for mortgage freedom", Post #110 and advise please?

Thank you
Tx

Advice received and duly noted.
Thanks Lois, you're one in a million!!!:T

Lois_E

gallygirl wrote: »

Well done Lois :T Did your spreadsheet change colour

Thanks GG. No, nothing changed colour, but the graph went across a thick line.

Thistlewhistle wrote: »

Lois,
Could I prevail upon you for some help please,
You've been recommended!
Could you look at my thread "Thistlewhistle makes a dash for mortgage freedom", Post #110 and advise please?

I'm flattered to be recommended. I've posted on your thread. *Hopes slightly anxiously that she's got it right now expectations have been raised*
[X-posted with Thistle]

QB_Wolf wrote: »

Nice work Lois, how long you forecasting to get it under 70?

Ages, I'm afraid, QBW. Most of this year's improvement has happened since last summer, when I told the builder I'd have to take a break for a bit to earn some more money. Now I'm going to get started on doing stuff again, I won't be adding to the EF at all, I shouldn't think. The question is, if I start by using all the money in "savings and bills", while trying to be as frugal as I can, then perhaps I can only take out of the EF to the tune of £200 or so a month, which is what the regular mortgage payment takes the mortgage down by, so that owed-ISA-EF can stay below £80k. It depends quite a lot on how quickly the builder does his stuff - which is probably not very. Because I've got lots of small jobs, I've agreed he can do them in bits and pieces on odd days. The alternative would be to wait months and months before he would have a chance to book me in for a big block of time, so I've decided I'm happy with the gradual approach.

Alchemilla wrote: »

Hope you are having a fab Easter weekend?

Yes thanks, Alchemilla. DD has just been baking an excessively large number of cookies. Bet they still don't last long in this house, though. Hope you're having an equally fab Easter weekend yourself.

Thank you to Calfuray, Peonie, Tilly, GG, Thistle, pix, skinty, QBW and Alchemilla for posting. :wave:
Thanks also to Alchemilla, Calfuray, elantan, GG, pink poppy, pix, Radish & skinty for thanking - always nice to feel somebody's reading. :wave:

elantan

i'm slowly working my way through your diary Lois ... very good reading

i'm trying to decide whether to add santander to my ever growing current account list thanks to you

would you recommend them?

Lois_E

elantan wrote: »

i'm slowly working my way through your diary Lois ... very good reading

i'm trying to decide whether to add santander to my ever growing current account list thanks to you

would you recommend them?

Thanks for the compliment! Enjoy the rest of it.

Santandr seem all right so far. I wouldn't use them as my main current account - I don't like their online banking interface. (Natwst/RB$ is my favourite one of those, but Halifx is OK.) Faster payments don't seem to qo quite as fast as they do from NatWst/RB$ or Halifx either.

However, for a secondary account for collecting cashback and earning interest, thy seem all right so far. So far I've opened the account and transferred some money into it and out of it again, and it's all been fine. I've also rung up the telephone banking thingy to ask what branch address I should put on my council tax DD form, and the bloke I spoke to was helpful and polite (and cheerful as a bonus). I haven't had it long enough to see what happens when I actually start paying things by DD and earning cashback etc.

HTH

PS Why is it customary on here to misspell names of banks, supermarkets, etc? Are we trying to stop people finding what we say when they google for stuff? Or is there some other reason? I've been going along with it for ages because it's what everyone seems to do, but I've never understood why.