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

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Comments

  • Loving the wardrobe shopping - I'll be doing this in March :T
    Mortgage at highest (April 2008): ~£195,000
    Mortgage-free: January 2021
    Retired: June 2022 (186 months early!)
  • shala_moo
    shala_moo Posts: 3,272 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Hope you have lots of nice "new" clothes in March MWC!

    I love a good bargain :D
    Mortgage amount at 31/12/2011 £166,050 now £0 as at Sept 21 - 15yrs 4 months early.


  • beanielou
    beanielou Posts: 96,058 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Enjoy your new togs :)
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • shala_moo
    shala_moo Posts: 3,272 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Thanks beanie :D I love that word "togs"

    Horrid day at work today.. redundancy of friends, had a few tears, really hoping they can be re-employed in other sections. Morale is very low...

    Although, it makes me that bit more determined to get myself in a position where I don't have to worry if it happens to OH or myself.. I think once I get under £100k on the mortgage i'll be a bit happier.

    Hope everyone's ok xx
    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
    Afternoon :wave:

    Hope everyone is doing great xx

    Wore my "new" togs :D on Friday to the afternoon tea. Really enjoyed it and a great chance to catch up with friends.. it was a bit expensive for tea, sandwiches and cake but you've got to live a bit haven't you. I'll definitely be doing it again at some point, maybe for a birthday treat if OH will go..

    We've not done much else this weekend so I've had a little time to catch up with some admin jobs and get on top of the surveys again.
    • All spreadsheets reconciled and money moved to correct accounts
    • OH had a cheque from PPI claim - after fees he'll get about £250 :T he did it without my input or I would have done it myself using this site and not paid fees! But he's tried and that's the main thing.. he asked what I wanted for my birthday (next month) and I've suggested we get Hive fitted :rotfl: is that a weird birthday present? - he's got enough money for it now!!
    • £10 amazon voucher ordered from Mysurveys - now closing this one as i'm bored of the technical issues. Every time I log in or do a survey it logs me out again, i'm sure some of my points haven't been added on.
    • received the £15 voucher from Surveyhead so I've closed that account too, keep getting screened out - it's annoying!
    • bought some tea infusers from eb*y £2, ones in the shop were £9.50 - OH got given some loose leaf tea from Fortnum and Mason, no less, and we would like to use it up

    We've just been catching up with a bit of TV and watched a couple of episodes of "Eat Well for Less". I'm shocked at how much people spend on food, £355 a week for the one family! That's more than some people earn a week..

    I thought I could cook before I joined MSE and Slimming World but I realised I used a lot of jarred sauces/oven chips/processed meat until I learnt you could make stuff a lot cheaper yourself. Turns out it's a lot healthier too :T

    I really hope the programme helps a few families out!
    Mortgage amount at 31/12/2011 £166,050 now £0 as at Sept 21 - 15yrs 4 months early.


  • Pushkin
    Pushkin Posts: 795 Forumite
    Hi - that is really spooky, I just got the email notification that you had replied to my post as I was reading yours and about to reply with a comment about Hive!

    Yes we had it installed last autumn and I love it. I suppose its partly the geek in me - being able to control the heating from a phone or ipad, but I also think it saves money as we now turn off the heating when going out and then turn it on just before we come home. We were terrible before for just leaving it on its normal programme when we went out so that we didn't come home to a cold house.

    I did see a news article recently and a chap had some device that showed the temperature in each individual room in his house and they could all be controlled separately - maybe a step too far but I might look into that!

    So all in all I would recommend Hive although I have to confess I'm not too sure I'd have been very impressed if DH had bought it for me for my birthday! ;)
  • shala_moo
    shala_moo Posts: 3,272 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Thanks for replying Pushkin :rotfl: maybe I telepathically called to you... :D sounds quite positive!

    We were discussing birthday presents the other day as i'm 40 next year:eek: and OH said matter of factly "the best present I could give to you would be the mortgage statement showing £1000 paid off it" :rotfl: and he's right!!!

    I really do like practical presents, although I know i'm in the minority :D

    I'll definitely look into the Hive thing a bit more, i'm not sure how much it would save us as we don't often go out (we're rock and roll huh ;)) but I hate coming home to a cold house on the days I come home from work early.
    Mortgage amount at 31/12/2011 £166,050 now £0 as at Sept 21 - 15yrs 4 months early.


  • I don't like completely frivolous presents but the year my ex bought me a pair of bedroom curtains as my Christmas present was the year practicality went too far.
    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.
  • shala_moo
    shala_moo Posts: 3,272 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Hmmm i'm not sure how i'd feel about curtains... but if they were really nice ones:think: :rotfl:

    I usually have kitchen gadgets but i can't fit naymore into my kitchen so i've given up on that now :D
    Mortgage amount at 31/12/2011 £166,050 now £0 as at Sept 21 - 15yrs 4 months early.


  • Goldiegirl
    Goldiegirl Posts: 8,806 Forumite
    Part of the Furniture 1,000 Posts Rampant Recycler Hung up my suit!
    Hi, I don't blame you for closing your survey site accounts.

    I've been doing the same. I'm currently only doing One Poll and You Gov. As soon as I get to £40 I'll stop One Poll as well. I'll probably carry on with You Gov as they only send me surveys that I can do, so I don't have the annoyance of being screened out all the time.
    Early retired - 18th December 2014
    If your dreams don't scare you, they're not big enough
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