Countdown to Freedom

Tilly_MFW_in_6_YRS

Hi Natty, lovely to see you, I've quite missed you - diaries cover us for any type of posting in my mind, so come back :T:T:T

Tilly x x

nattypants

I'll do a search for my diary and revive my drivel soon, I promise and thank you for missing me:kisses3:

elantan

Well done on the amount over payed ... That really is a great achievement, I second thistle ... It's about the balance, it can't be all debt payments and no fun

Go ... Have fun ... And I'm sure you will hammer it down before and when you get back xxx

Radish72

Come on Tilly what's 2 months between a MF date and a fab holiday

Plus one of the months is Feb and that is a tiny month, although it will have an extra day in 2016

[Deleted User]

^^^^^ what they said
Life of working so hard and being frugal and putting all this effort into moneysaving would be very tough indeed with no treats!! I like fortunes saying of bread and lillies (think that's it!! halving money between lifes essentials (bread) and treats (flowers) .

I do sometimes feel a bit guilty about spending money on holidays etc.. as they can feel frivolous , but honestly if I didn't have times in the year where I got away from it all and enjoyed myself and thoroughly switched off , Id struggle to carry on doing the moneysaving I try to do the rest of the time!! so it all balances out ....

ps natty good to *see* you - well done on your economy boosting efforts :rotfl: but come back soon we miss you (hope lady gym is going ok!)

gallygirl

Deleted_User wrote: »

I like fortunes saying of bread and lillies (think that's it!! halving money between lifes essentials (bread) and treats (flowers) .

To be fair, it's a flaming big bunch of lilies though :rotfl:.

Tilly, just think of the position you will be in compared to what you could have been in. In Feb 16 you'll have paid off the mortgage and have had a fab holiday, whereas if you hadn't started OPing you'd have had a fab holiday and still a massive millstone round your neck :T.

(Plus Feb 16 gives me a chance to try to beat you :rotfl:)

Thistlewhistle

And I imagine the interest you're saving now you've whacked £100k off the mortgage would "pay" for the holiday anyway!!

Tilly_MFW_in_6_YRS

Thanks all - Thistle you are right, we are saving a significant amount in interest now which is FAB.

GG, I have no other inventive money saving thoughts,so unless our bonuses are huge (which we already know they won't be) then our MF date will definitely slip.

Morning TYO, you're right about the balance as is Fortune. My desire to be MF is pushing me hard (as well as the rest of the Tilly clan), as we have another new chapter to live through then :j

Love to all

Tilly x

CathT

Don't put too much pressure on yourself Tilly, look at how much you have already achieved, it's incredible! I'd be MF in a year if I could do what you do.

Thank you for the gardening tips, will get started on them today.

Gr33ng1ng3r

Hi Tilly, lurking on your site again! Please don't beat yourself up about extending the life of your mortgage to have a holiday - particularly as I understand it will be the last holiday before your DD leaves for university. We had a special holiday when DD1 went to uni. Glad we did - when she came home 6 weeks into term I had completely lost my little girl ( not that she was ever very little!) and she came home a very competent young woman! Just occasionally I catch glimpses of the girl she once was but very pleased with the woman she has become. We had a ball on our holiday and the memories are priceless - well worth extending the mortgage by a couple of months. Go on enjoy your family while you can. Who knows it might be the last one you have all together for a while.