📨 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!

Countdown to Freedom

14904914934954961037

Comments

  • Lois_E
    Lois_E Posts: 2,227 Forumite
    Ninth Anniversary Combo Breaker
    The rain has arrived :eek::eek::eek:

    Glad I didn't water the veg this evening, it's pouring ;)

    ETA thunder has arrived, just waiting for the lightening

    Tilly x

    I was driving (on a motorway) when it arrived here. At some points there was lots of surface water - quite scary - but no accidents. :)

    Then when I got home I found I had left the velux window in the bathroom wide open, the floor was awash and the place was beginning to smell of soaked bathmat. :eek:

    Hope Mr Tilly is keeping positive and that a great job will come along soon. :)
    Starting again 13/4/19
    Home loan 1: £21,102.50 Home loan 2: £7,698.99
    Total owed: £28,801.49
  • Chicken and onion pie metamorphosed into chicken pasta - thank you Mr T :T

    Busy day at work and after being ill recently I am feeling pretty bushed. Will be aiming for a fairly early night.

    I feel as though my fight is temporarily on hold as I am definitely unable to make large OPs. We don't however, have to change the standard mortgage payment. I can continue that on my salary, along with the bills etc.

    I will need to change my signature to show the mortgage finishing in around 2024, although being practical a) Mr T will definitely land a job in the next year and b) god forbid he didn't get a job, once we have cleared a further £100k we could simply sell up and retire. Clearing that won't be done overnight though, so the frugality will continue.

    My mind is whirling this evening and I am unable to switch it off - I am feeling a type of grief/loss for our previous journey, which is frankly ridiculous. However, like the grieving process, I need to come to terms with this in order to move on.

    Apologies for waffling on, but I need to let this out so that it doesn't consume me.

    Night, Tilly x
    2004 £387k 29 years - MF March 2033:eek:
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15 :j
  • nattypants
    nattypants Posts: 2,577 Forumite
    Perhaps Tilly, if not too intrusive, it might be a good idea to share on your diary the type of work that Mr T is seeking?

    Someone may very well know someone, who knows someone. You have helped, advised and supported a whole host of people out in MSE World and I am more than confident that if someone can help, they will, without hesitation.

    Networking can work wonders, and perhaps it's time for one of us to 'pay it forward'.

    Same goes for Froggy and Mr Greent :)

    NPX
    February13 - £74990 (or thereabouts)
    MND - Let's go for 2020 'cos it's got a nice ring to it:D
    C'mon nattypants:cool:
  • sweetdaisy
    sweetdaisy Posts: 1,249 Forumite
    Tenth Anniversary 1,000 Posts Combo Breaker
    I feel as though my fight is temporarily on hold as I am definitely unable to make large OPs. We don't however, have to change the standard mortgage payment. I can continue that on my salary, along with the bills etc.

    I put my overpayments on hold when DH was made redundant, however the advantage of having an Offset mortgage is that you will still be reducing the amount of interest you are paying based on your earnings and whatever you have in the offset savings accounts.
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    I think your totally right Tilly, you have to mourn the old plan so that you can move forward with the new, the new maybe a more indirect route but you will get there, but its wise to recognise where you've came from and how well you have done

    Stick with it

    Ps did you get my text and phone message ?
  • lulabelle1
    lulabelle1 Posts: 2,704 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Hi Tilly.....

    I'm going to say the opposite (cos that's that I tend to do) - I wouldn't alter your plan at all and I would keep the signature exactly as it was.... In my mind, making the amends is almost like accepting what has been thrown at you.

    Keep with your original plan and stay focused on what needs to be done in order to reach the goals that you are seeking - and, it will happen. I'm a strong believe in positive thinking and I know you are too, so don't let this stand in your way. Mr T will have a fantastic new job sooner than later and you will have the spare Redundancy money to throw at the mortgage - so infact, you will reach your goal even sooner.

    I agree with Natty - might be worth sharing some details as to what Mr T does and is looking for, networking can be amazing.....

    Lula xxxxx
  • nattypants
    nattypants Posts: 2,577 Forumite
    I am backing Lula all the way with this Tilly.

    Your destiny is to pay off the mortgage within your original timescales.

    The plan is that Mr T's redundancy payment combined with new salary will put you in a stronger position than ever before. End off.

    Now, Lula and myself might one across as a bit daft at times, but secretly we talk a lot of sense :kisses3:

    The Universe will not let you down Tills X
    February13 - £74990 (or thereabouts)
    MND - Let's go for 2020 'cos it's got a nice ring to it:D
    C'mon nattypants:cool:
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    nattypants wrote: »

    Now, Lula and myself might one across as a bit daft at times, but secretly we talk a lot of sense :kisses3:
    Had to happen eventually Natty :D.

    Tilly is a bit shy about Mr T's talents. He's actually in a very specialised field so it's unlikely any of you can help. However, he is one of THESE, don't want to give too much away though :p.

    I'm with the others. Your plans are not changing. End of. We have wine to drink, sunsets to watch and pilgrimages to walk woman :T. Not forgetting the M&S knicker run to Gib :rotfl:.
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
  • nattypants
    nattypants Posts: 2,577 Forumite
    gallygirl wrote: »

    Tilly is a bit shy about Mr T's talents. He's actually in a very specialised field so it's unlikely any of you can help. However, he is one of THESE, don't want to give too much away though :p.

    Would love to be a Fortune Cookie writer. Depending on my mood (aka time of the month) I would have a field day :T
    February13 - £74990 (or thereabouts)
    MND - Let's go for 2020 'cos it's got a nice ring to it:D
    C'mon nattypants:cool:
  • Tilly_MFW_in_6_YRS
    Tilly_MFW_in_6_YRS Posts: 7,854 Forumite
    Part of the Furniture 1,000 Posts Photogenic Combo Breaker
    edited 30 July 2013 at 9:39PM
    Crikey you lot have brought a tear to my eye :o

    GG, I'd be laughing if Mr T were one of those :rotfl:

    Will think about the comment and post later in the week, you've given me a lot to think about.

    El, I've left my phone upstairs as I had a meeting with an IFA tonight, so haven't checked it yet.

    I'm drinking an iced coffee and eating a chocolate :T

    Night Tilly x x x
    2004 £387k 29 years - MF March 2033:eek:
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15 :j
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
  • 351.6K Banking & Borrowing
  • 253.3K Reduce Debt & Boost Income
  • 453.9K Spending & Discounts
  • 244.6K Work, Benefits & Business
  • 600K Mortgages, Homes & Bills
  • 177.2K Life & Family
  • 258.2K 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.