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Mortgage freedom..Shala_moo's attempt at a diary..

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  • shala_moo
    shala_moo Posts: 3,272 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Unfortunately my trip to Lid1 didn't pay off MWC, they've got rid of most of their Christmas stuff, never mind.. just some nuts and marzipan chocolate left.. I may have picked up some more marzipan choc :whistle: the pesky mice in this house seem to have eaten the last lot I bought! :rotfl:

    On my travels into town today I've
    • picked up a free box of coco pops.. need to think of a Christmassy rice crispy cake to make with them
    • banked both of my dental plan cheques - £98 - rounded to £100 and stuck into savings pot (plus £4.01 tt)
    • spent £14 at Icel*nd on buffet food for Xmas eve, cheap pizzas and my sister insisted on some nasty prawns! they'll all be piddled so they won't notice the quality of the food :rotfl:
    • spent £11 in Lid1, previously mentioned marzipan choc and some prizes for the work quiz on Weds
    • 90p for the car park
    Also before I went to town
    • ordered some stocking fillers from Amaz0n, £20 in vouchers and spent £12 extra
    • paid off Credit card, only £80 this time
    • finished all my lists, then came home and ticked most of them off :T
    Now need to (at some point this week)
    • order some PJ's for my sister - last xmas present I think
    • start wrapping presents
    • wrap the prize for the xmas work quiz
    • sort out all the hampers - make sure I've got everything
    • still need to make whiskey marmalade (OH drunk all the whiskey so I have to buy more!)
    • try another spicy nut recipe as the one I found was vile!
    • find some straw/shredded tissue for the hampers :o I forgot!
    Mortgage amount at 31/12/2011 £166,050 now £0 as at Sept 21 - 15yrs 4 months early.


  • That's a shame :( Maybe they'll have another delivery... it's a bit early to be running out of Christmas stuff!
    Mortgage at highest (April 2008): ~£195,000
    Mortgage-free: January 2021
    Retired: June 2022 (186 months early!)
  • BlueMoo
    BlueMoo Posts: 424 Forumite
    Right, been off for a while due to sickness, but just thought I'd let you know shala that I only have 1 and a half presents to get! :xmassmile 1/2

    Also, ended up having to purchase a few more presseis as had accidentally left people off my list.
    M3 Dec2015 #160 Target £150,000 (BU £155000)
  • shala_moo
    shala_moo Posts: 3,272 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    That's a shame :( Maybe they'll have another delivery... it's a bit early to be running out of Christmas stuff!

    They did it last year as well MWC, it's like they have a certain amount delivered and once it's gone it's gone :( at least I didn't miss the gingerbread this year :j
    BlueMoo wrote: »
    Right, been off for a while due to sickness, but just thought I'd let you know shala that I only have 1 and a half presents to get! :xmassmile 1/2

    Also, ended up having to purchase a few more presseis as had accidentally left people off my list.

    :rotfl:well done BlueMoo - I can stop panicking for you now!!
    Mortgage amount at 31/12/2011 £166,050 now £0 as at Sept 21 - 15yrs 4 months early.


  • shala_moo
    shala_moo Posts: 3,272 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Just a quick update from me tonight as I have a couple of cakes to make..

    :j£88 received from selling my concert tickets - never thought i'd see this so very pleased - moved to savings
    :( replaced both headlights on the car - £30
    :Tfree buffet lunch at work (and probably the rest of the week)
    :( may need to buy new trousers to fit me after the buffet :rotfl:
    :T borrowed (instead of bought) my dad's oil radiator to try and clear up the cold/damp problem in the kitchen - need to work out how much it costs to run :eek: i'm scared to find out!
    :( Np*wer have sent a letter saying they are upping their costs, even though i'm on a fixed tariff, will be checking out switching to cheaper supplier
    :T OH has sold his guitar on *bay for lots of money
    :( OH will be buying a new guitar after xmas

    and to end on a positive

    :T it's only 2 weeks till Christmas :rudolf::santa2::xmassmile
    Mortgage amount at 31/12/2011 £166,050 now £0 as at Sept 21 - 15yrs 4 months early.


  • shala_moo
    shala_moo Posts: 3,272 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    edited 14 December 2013 at 4:02PM
    Just had my last delivery of Xmas presents - using free trial of Amaz0n prime :j of course!

    Now the arduous task of wrapping!! Luckily I think most things are of normal shape :rotfl:so no weird wrapping to do this year :T:T

    Have been reading loads of diaries today, and I'm not sure if it's the Christmas spirit or my hormones, but I'm so inspired by everyone trying to change their future/possibilities that it's bringing a tear to my eye!

    Well done everyone...

    e.t.a. just remembered that the MFIT chart has come out - happy to say I'm in the green - ahead of my target by £3k :T

    I've had some time to kill today and because I like a good graph, I've plotted my mortgage downfall below :j hoping to get that blue down to at least 2026!

    graph_zps36f2505e.png
    Mortgage amount at 31/12/2011 £166,050 now £0 as at Sept 21 - 15yrs 4 months early.


  • Peonie
    Peonie Posts: 1,471 Forumite
    £3k ahead of your target is brilliant. I'm envious. Well done S.
    Pots: House £6966/£7100, Rainy day Complete, [STRIKE]Sunny day £0/£700[/STRIKE], IVF £2523/£2523, Car up-keep £135/£135, New car £5000/£5000, Holiday £1000/£1000, MFW #16 £2077/£3120
    MFiT3 #86: Reduce mortgage from £146,800 to £125,000
    Mortgage Sept 2014: £135,500, MF Oct 2035 Peak July 2011: £154,000, MF July 2036
  • shala_moo
    shala_moo Posts: 3,272 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Thanks Peonie, I figured out that it's my overtime payment through out the year that I've stuck into savings.. so i'll stop moaning so much about having to work extra hours now I think!!:rotfl:
    Mortgage amount at 31/12/2011 £166,050 now £0 as at Sept 21 - 15yrs 4 months early.


  • Hi shala_moo! :D

    Glad I found your diary! I've subscribed! You're inspirational and I'm learning a few tricks through reading your diary, and I'm not even half way through yet!

    I'll definitely keep reading!
    Good luck with everything you're doing! :beer:

    SJ X
    97 months until I qualify!:dance:
  • BlueMoo
    BlueMoo Posts: 424 Forumite
    OOOO... graphs and charts!

    We are being spoiled today! :grin:


    Well well done :T:T:T
    M3 Dec2015 #160 Target £150,000 (BU £155000)
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