📨 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!

Sweetdaisy's aim to be mortgage-free

1272830323373

Comments

  • sweetdaisy
    sweetdaisy Posts: 1,249 Forumite
    Tenth Anniversary 1,000 Posts Combo Breaker
    Poor DS1 - I bet that was sore _pale_ Hopefully he soon forgot the pain/discomfort x x

    Tilly x

    The splinters were quite big and I know that some come out on their own, but I didn't want to take the risk of them going deeper. He was very good about it and perked up when I gave him a little mini egg for being so good. I am sure that there will be many more to come!
  • sweetdaisy
    sweetdaisy Posts: 1,249 Forumite
    Tenth Anniversary 1,000 Posts Combo Breaker
    edited 14 June 2014 at 10:41PM
    DH's car had an MOT yesterday, so that set us back by £127. This was funded from my Car Repairs/Replacement Savings 'pot' so I need to build this up again.

    Moved some money around between accounts and added to Savings. Total Mortgage Overpayments made so far this month: £320. I have also redeemed and received £34 from survey/cashback sites.

    Some good news on DH's job - he is working 12 hours overtime tomorrow and as of Tuesday he will be working in a local Plant (as they needed 5 people to move location). He is still employed by an Agency but there is the possibility of him being taken on by the company itself. He won't know what shift pattern he is working until tomorrow but as the Plant is local he will be travelling 76 miles less a day! Which is going to save a lot of fuel and travelling time. He will also be able to see more of the boys during the week :).

    DS2 has a medical appointment this week where he will be assessed for compression stockings, bandages and lymphatic massage. It has been a long process as he is almost 20 months old but at least he is now been assessed for treatment.

    I've not been feeling well this past week - still feeling run down and ended up in bed this afternoon as I was aching and feeling cold. Now that DH will be working closer to home I hope that I can start my weekday evening walks again (when I feel up to it) as I have really missed going.
  • megela
    megela Posts: 755 Forumite
    Ninth Anniversary
    :TMore good news on DHs job, and just in time for lovely light evenings for your walks. I miss walking in the evening - feel silly doing it without the dog!
    Re-mortgaged 20/04/12 MTiT-T3 No.7
    Start balance £89611.10 + £22500 = £112111.10/Current balance £85436.53
    Original Mortgage Free Date April 2032
    Target Mortgage Free Date July 2022/Currently August 2029 (based on no offset)
    Total overpayments from 20/04/12: £8152.95
  • Hi SD, sorry to hear you are under the weather. Hopefully you will be feeling better this morning.

    Excellent news re your husband. That's a huge reduction in travelling time and this fuel. It will be great when they offer him a permanent role - fingers crossed.

    Best wishes Tilly x
    2004 £387k 29 years - MF March 2033:eek:
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15 :j
  • QB_Wolf
    QB_Wolf Posts: 722 Forumite
    edited 15 June 2014 at 1:31AM
    sweetdaisy wrote: »
    DH's car had an MOT yesterday, so that set us back by £127. This was funded from my Car Repairs/Replacement Savings 'pot' so I need to build this up again.

    Moved some money around between accounts and added to Savings. Total Mortgage Overpayments made so far this month: £320. I have also redeemed and received £34 from survey/cashback sites.

    Some good news on DH's job - he is working 12 hours overtime tomorrow and as of Tuesday he will be working in a local Plant (as they needed 5 people to move location). He is still employed by an Agency but there is the possibility of him being taken on by the company itself. He won't know what shift pattern he is working until tomorrow but as the Plant is local he will be travelling 76 miles less a day! Which is going to save a lot of fuel and travelling time. He will also be able to see more of the boys during the week :).



    I've not been feeling well this past week - still feeling run down and ended up in bed this afternoon as I was aching and feeling cold. Now that DH will be working closer to home I hope that I can start my weekday evening walks again (when I feel up to it) as I have really missed going.

    Hope you feel better soon, good news about your husband and I hope your son's appointment goes well.
    Start Date 16/09/2015
    Original amount outstanding = 225,000 Current amount outstanding =199,812
    Original LTV = 64% Current LTV = 49%
    Original Pay Off Date = Sep' 36 New Pay Off date = Sep' 36
    Original Dly Int = 17.17 New Dly Int = 17.17 Total OP = £1319.31
  • Hello,

    You are doing incredibly well. £8000 in a year is a real achievement, and it would have been very easy for you, with a busy life and a young family, to just spend that and not even notice the benefit but you have seen further and saved it whilst still having a great family life. Very very well done!

    Squirrel
    Paid off mortgage nine years early in 2013. Now picking and choosing our work to fit in with the rest of our lives!
    Still thrifty though, after all these years:D
  • sweetdaisy
    sweetdaisy Posts: 1,249 Forumite
    Tenth Anniversary 1,000 Posts Combo Breaker
    Hello,

    You are doing incredibly well. £8000 in a year is a real achievement, and it would have been very easy for you, with a busy life and a young family, to just spend that and not even notice the benefit but you have seen further and saved it whilst still having a great family life. Very very well done!

    Squirrel

    Thanks all for all the comments :). I just wish (like most people) that I had started this journey a few years earlier.

    It would be amazing if I manage to pay £8,000 off the mortgage by the end of the year. I suppose that we could spend the money that I overpay, but as I keep money aside for doing fun things as a family so that the children don't miss out on anything, it may as well go to good use.

    DH is being transferred to the local Plant tomorrow and will have another week of training/induction. He will still be employed as an Agency worker, but at least there is a better chance of him being taken on by the Company now that he has changed location.

    If I feel better, I will resume my evening walks tomorrow as I've really missed going as it not only keeps me fit but lets me de-stress and clear my mind.
  • sweetdaisy
    sweetdaisy Posts: 1,249 Forumite
    Tenth Anniversary 1,000 Posts Combo Breaker
    edited 14 June 2014 at 10:43PM
    DS2 had a medical appointment today and it went well icon_biggrin.gif.

    He is too young at the moment to have compression stockings as his lymphatic system is still developing so he will have to wait until the Autumn or next year when he is 3 years old. He needs to increase the movement in his feet and ankles first as once he has compression stockings these need to be worn everyday for life. However, he is now wearing Kinesiology tape on the tops of his feet daily to help reduce the swelling and I have been shown how to do simple daily manual lymphatic drainage massage/techniques at home on his feet and ankles.

    The Specialist said that she is confident that his swelling will start to reduce in the next couple of days using the tape. The swelling and condition is never going to go, but we now have a lifetime service in place for DS2 and a great team of staff to help and support us to manage his condition. We will be going back to the clinic for our next appointment in 10 weeks time.
    MFW side of things:-
    [FONT=Verdana, Arial, Tahoma, Calibri, Geneva, sans-serif]Redeemed money from completing a survey, so £3.00 mortgage overpayment made. It's a small amount but it all helps.[/FONT]
  • Must be such a relief things are going better now, fingers crossed for the future.

    Cheeky little OP, yay!
    Mortgage at Highest- £126.995 Aug 2006
    Mortgage- (Lightbulb moment, Sep 12) £95,571. (Jul13) £92,616 (Oct14) £88,224
    OP Since Sep 12- £11,401.13, currently £8,416
    Original Finish Date- Aug 2032
    Target Date Aug 2020 :D
  • Hi SD, glad the appointment went well and knowing you have the right support behind you must be a huge relief.

    Sending a hug over.

    Tilly x
    2004 £387k 29 years - MF March 2033:eek:
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15 :j
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
  • 351.3K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.2K Work, Benefits & Business
  • 599.4K Mortgages, Homes & Bills
  • 177.1K Life & Family
  • 257.7K 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.