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Countdown to Freedom

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Comments

  • MRN, round peg/square hole sounds familiar, but I am hopeful that it will be ok.

    Hi HDK, you are doing so well with your plans. It is a frustrating old journey.

    Best wishes Tilly
    2004 £387k 29 years - MF March 2033:eek:
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15 :j
  • MRN, round peg/square hole sounds familiar, but I am hopeful that it will be ok.

    As long as the diameter of the round peg is smaller than the side of the square peg, it will be fine :D
    Mortgage: @ Feb. 2007: £133,200; Apr. 2011: £24,373; May 2011: £175,999; Jun 2013: ~£97K; Mar. 2014 £392,212.73; Dec. 2015: £327,051.77; Mar. 2016: ~£480K; Mar. 2017 £444,445.74
  • As long as the diameter of the round peg is smaller than the side of the square peg, it will be fine :D

    If we assume that the peg is the endowment policy and the hole is the mortgage... then Tilly ideally needs the peg to be larger than the hole so that the left-over money can go into savings and she can give up work sooner and keep MrT happy too!:rotfl:
    MFW: Nov 2008 £156k, Jun 2015 £129k, Jun 2017 £114k.
  • Hi US and MRN, given the ludicrous and extremely frustrating day I have had, your comments made me laugh out loud.

    Thank you both, Tilly x
    2004 £387k 29 years - MF March 2033:eek:
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15 :j
  • Radish72
    Radish72 Posts: 2,075 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Nutters the lot of you :rotfl:
    Mortgage Aug 12 £165K, Aug 19 £0
    ISA challenge start 2019 £3000/£1500 (50%)
  • Lol Tilly, I've just replied to the marrow fest on MRN's thread and popped across here and the first post on this thread is about marrows :rotfl:
    Oh no, what if us girlies are all too busy gossiping about our Mortgage Free efforts while the silent men are actually getting on with it?

    :D Yes, there does seem to be more women on here then men though maybe that is just what it feels like, we do have FB, Froggy and LincolnPotter to name but a few. I know I have seen a few men they can't get their wife to stick to a budget/plan meals etc etc so I'm not sure if gender plays a part or whether we think it does? I think what is true is that we all have different motivators and - and again I'm going to generalise here - it seems that men get interested when they can see the results e.g. we've saved £X/years already' than in getting involved in the planning stages etc
    I feel like I should play a fanfare.............

    I am only keeping my spending diary and the equivalent of my SOA going on the spreadsheet front. Everything else is stopping :eek::eek::eek: I had reduced sme of my tracking, ie small OPs previously but this is a radical change. Best wishes Tilly x

    I don't know who you are and what you have done with our Tilly but we want her back :rotfl:
    MFW Start Date 1.4.08. Updated 23.1.18. MFW date 1.8.18
    Original Mortgage o/s £187,643 / £71,904 (-115,739)
    Repay o/s £92,661 / now £55,900 (-36,761)
    Int Only o/s £94,982, now £16,004 (-78,978)
    Total daily interest £1 [a) £0.77 b)£0.23
    Total OP's:2018 target £TBC YTD £1,995
  • Lately, I heard someone talk about preponing a meeting.

    US, you can't leave me hanging like that, what on earth is preponing supposed to mean, I can't even guess :p
    Hi ATT, you have triggered a memory, one USism on a call on Friday afternoon. I can't recall the word but it will come to me. It certainly does not exist in the Oxford English :rotfl: I was in the office at the time and laughed out loud. [Tilly]

    Have you remembered the word Tilly ;)
    Your heating bills must be sky high but given my age, I am permanently boiling, much to the frustration of my kids. They sit with a throw over their laps, and I am sitting in a t shirt :)[Tilly]

    I think if I had a normal home life they would be sky high but as I'm away a lot it's not too bad, for many now I don't think I've had an electricty bill higher than £10 per month at most. My gas averages c. £40 per month and it's not something I'm prepared to skimp on and I hate having too many layers on as it makes me feel all uncomfortable.

    Lol re your age, I remember when much younger working in a office full of ladies who all described it as having tropical moments, even in the depths of winter they had to have the windows open, air-con on and fans going, was a nightmare for me :snow_laug

    Good to hear from you and get your in box emptied :beer: Tilly x x [Tilly]

    Yes, plenty of space now though some still to reply to!!!!!!!!!!!!!!
    MFW Start Date 1.4.08. Updated 23.1.18. MFW date 1.8.18
    Original Mortgage o/s £187,643 / £71,904 (-115,739)
    Repay o/s £92,661 / now £55,900 (-36,761)
    Int Only o/s £94,982, now £16,004 (-78,978)
    Total daily interest £1 [a) £0.77 b)£0.23
    Total OP's:2018 target £TBC YTD £1,995
  • Thanks for all of the tips and advice! I have taken the plunge and started my diary, under the heading "Challenge of a Lifetime"

    Tilly - you have been my inspiration in starting my Challenge of a Lifetime - by the time I complete my mortgage free dream, you will have been mortgage free for two and a half years!

    Good luck to everyone.

    CA
    November 2007 £570k 25 years - MF March 2033
    September 2012 £405k 20 years - MF January 2032.
    January 2015 £301k 16 years - MF January 2030
    January 2020 £231k 10 years - MF January 2030
    Mortgage Free Goal: In progress!
    June 2020: Outstanding mortgage £75,211 (£222,414 mortgage offset by £147,203 cashpool)
    August 2020: Outstanding mortgage £59,262 (£134,598 mortgage offset by £75,280 cashpool)
    Sept 2020: Outstanding mortgage £56,682 (£131,760 mortgage offset by £75,022 cashpoool)
    April 2021: Outstanding mortgage £17,278 (£64,646 mortgage offset by £47,313 cashpool)
  • Hi CA, what a lovely thing to say, thank you so much.

    I will follow your journey with interest

    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
  • Morning ATT, the USism word has not popped back into my mind - no doubt the guy will use it again :)

    I put my electric blanket on last night :snow_laug. DH couldn't believe I was cold. However I still had the bedroom window open.

    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
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