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Countdown to Freedom

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Comments

  • 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 22 March 2014 at 2:24PM
    Lovely walk with sun shining and hounds running free. Beautiful sight.

    Enjoying a free cuppa in W@itrose and Mr T and DS are meeting friends for breakfast.

    SD, we will make a reasonable OP each month but balance will go into offset savings. The mortgage is 'covered' by an endowment which pays out next year and if I'm made redundant that will clear the rest, based on today's figures.

    Plan is to create an offset pot to fund a refurbishment programme for our other house, in readiness for retiring early :):):). He's younger than I am so whilst we will both retire early, I'd like to go within the next couple of years, he may want to do longer. That's fine by me :T

    We are researching retirement stuff at the moment, to make sure we are ok.

    With the role Mr T has now, there are going to be good opportunities for someone with his skills and experience - he's been fairly canny about where he's applied to, as he's looking towards the future. I feel really proud of him.

    I don't feel inspirational, in fact my diary has definitely gone through a slump in terms of motivation but hopefully that will come back now. We both feel as though we have air under our feet right now :rotfl:

    I'd better drink my tea now and shopping.

    Tilly x x
    2004 £387k 29 years - MF March 2033:eek:
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15 :j
  • Muser1
    Muser1 Posts: 795 Forumite
    I think the 'slump' makes it even more inspirational. You have never once given in or taken your eye off the ball. Tough times just shows you are human.

    Onwards and downwards :beer:

    Muser x
    Mortgage Jan 13 99260.00 87253 April 2017
    Emergency fund 700.00
  • Congratulations to Mr T on his new job - fantastic news :-) I'm sure the Tilly household will now make vast inroads into 'mortgage offsetting'. Well done!
    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
  • Hurdler
    Hurdler Posts: 1,361 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Mortgage-free Glee!
    Mr T has accepted a role and agreed the package

    :T:T:T:T:T:T:T:T

    :j:j:j:j:j:j:j:j:j:j:j


    A new chapter begins :)


    Thank you to everyone who has posted supportive and thoughtful comments, they have REALLY helped to keep us going.



    Tilly x

    This is fantastic news and I am deliriously happy for you and Mr T!
    :beer: :j
    • Mortgage @ March 2008: £194,965 ; Lightbulb Moment: July 2011: £164,926; End Date: March 2033
    • MORTGAGE FREE: September 2015
    • MSE 1p Savings Challenge 2024 #50: Jan, Feb, Mar, Apr, May, Jun, Jul, Aug, Sep, Oct, Nov, Dec = £223.84/£671.61
  • edinburgher
    edinburgher Posts: 14,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Tilly, you made the stress of having an unemployed adult in the family look more enjoyable than some people's everyday lives, kudos :)

    Ps. Sorry that a job as a postie was the best he could find, especially seeing as it's payment in kind and he just gets to keep what he finds re. packages :rotfl:

    Pps. No offence to posties, you do a great job :beer:
  • Hurdler
    Hurdler Posts: 1,361 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Mortgage-free Glee!
    Edinburgher just made me snort coffee all over the place earning a scornful look from my friend's five year old!!!!
    • Mortgage @ March 2008: £194,965 ; Lightbulb Moment: July 2011: £164,926; End Date: March 2033
    • MORTGAGE FREE: September 2015
    • MSE 1p Savings Challenge 2024 #50: Jan, Feb, Mar, Apr, May, Jun, Jul, Aug, Sep, Oct, Nov, Dec = £223.84/£671.61
  • abouttimetoo
    abouttimetoo Posts: 1,860 Forumite
    Part of the Furniture Combo Breaker
    Hi Tilly, brilliant news re Mr T getting a job, go Mr T :j

    Really pleased for you and looking forward to seeing your next chapter of progress unfurl

    Look out mortgage and offset, here she comes, run for your life :rotfl:

    Regards
    ATT x
    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
  • Hi Tilly,

    Just wanted to post a quick congrats on Mr T's new job. Your diary *is* inspirational which is why so many of us read it.

    I'm so pleased for you both. :beer::j
  • Tilly, you made the stress of having an unemployed adult in the family look more enjoyable than some people's everyday lives, kudos :)

    Ps. Sorry that a job as a postie was the best he could find, especially seeing as it's payment in kind and he just gets to keep what he finds re. packages :rotfl:

    Pps. No offence to posties, you do a great job :beer:
    Mt T says he feels like a postie at the moment with his RM survey stuff :rotfl:
    2004 £387k 29 years - MF March 2033:eek:
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15 :j
  • Good afternoon,

    What a morning, hounds walked, peaceful cuppa in WR, C@stco trip (without Mr T :)). L!dl, S&S done, freezer inventory complete and menu plan almost finished.

    I haven't stopped for 5 hours and I'm having a break now :rotfl: Veg planting may have to wait until later today or tomorrow. Washing and ironing can wait - it will get done at some point tomorrow or Monday.

    Sun is shining but it's really cold :eek:

    Mr T is contemplating decorating our bedroom before he starts work - not sure I can face more shifting, sorting, cleaning etc.

    Thanks for your messages, I/we really appreciate them.

    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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