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Countdown to Freedom

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Comments

  • Weronika
    Weronika Posts: 260 Forumite
    How about posting an ad on local gumtree site? When I advertised for admin assistant I had 150 replies within 2 days!
    Debt: [STRIKE]-£77.299 74,209[/STRIKE]-£72,860 Projected MF date(age):[STRIKE]2044(63)[/STRIKE] 2029(48)
    Credit Card 0%: -£1,800 Reg Saver: £4000/£6000 ISA: £0/£2500

    From March 2012: Mortgage OP: £160 pcm
    (saving 29k):D
    Apr 2013 Goal: reduce balance to £72,000 to get 60%LTV & better deal
  • Sepa74
    Sepa74 Posts: 962 Forumite
    Hi Tilly, I think the rate depends on where you are based. I have an independent cleaner and she charges £9ph in South London.

    The cleaning companies were charging around £10, but keeping £3ph for themselves. Would MUCH rather the extra money went to the cleaner, tbh.

    However she only does 3 hrs a fortnight :eek: so with as many hours as you are requesting, the rate may be lower.

    If you are in South London, I could put you in touch with my cleaner. I know she is after extra work.
    Borrowed £150,000 in an offset tracker mortgage in May 2007 - MFD May 2041 (67)

    Jan 2012 - £125,620.02 / 2,913.87 / Nov 2032 (58) :beer:
    Apr 2012 - £122,901.88 / 3,170.91 / Jul 2032 (58)
    Jul 2012 - £122, 589.02 / 3,507.99 / Sept 2032 (58)
    Oct 2012 - £120,476.31 / 3,889.42 / July 2032 (58)
  • 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 1 April 2012 at 3:43PM
    Afternoon Dawn, Weronika and Sepa

    Yep up extremely early and then off to visit relatives as well so it's been a busy but rewarding day. Back home now and need a mint tea - too much food. Having lost weight my appetite and ability to eat has changed.

    I will definitely look at gum tree, never thought of that at all.

    Sadly Sepa, further north that that otherwise I would PM you. Would really prefer a cleaner which can be recommended so I am going to ask a friend whether she knows anyone.

    Weather is glorious now but when we left we had to de ice the car - weird day.

    Off to sit in the garden now and enjoy the sun before it disappears.

    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
  • Lois_E
    Lois_E Posts: 2,227 Forumite
    Ninth Anniversary Combo Breaker
    Another vote in favour of cleaners from me! I know I only work part-time, but I'm a single parent, and I got to the point where I wasn't coping with the housework and it was really getting me down. As I saw it, the only two options were to get a cleaner or to reduce my hours at work to free up more time to clean the house myself. Since (a) I don't enjoy cleaning and (b) I get paid at a higher rate than I would need to pay a cleaner, the choice between those two options was a no-brainer. I managed to find a friend who had a cleaner who was looking for extra hours, and she's great. Good luck finding one to suit you. :)
    Starting again 13/4/19
    Home loan 1: £21,102.50 Home loan 2: £7,698.99
    Total owed: £28,801.49
  • katsu
    katsu Posts: 5,029 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    Thanks to everyone who posted cleaner prices. Sadly no-one seems close enough for a personal recommendation but the price info definitely helps me feel more confident in looking for someone and knowing going rates.
    Debt at highest: £8k. Debt Free 31/12/2009. Original MFD May 2036, MF Dec 2018.
  • 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 1 April 2012 at 7:43PM
    Evening, I have been on gumtree and found a couple - have mailed them and given them DH mobile number. That phone is rarely used so didn't mind using it.

    Have everything crossed. When I look at what I do for a living etc yet i am still trying to do everything. DH is great and does lots of things, but I tend to do the planning, which anyone who has read my diary won't be surprised to hear:) All in all something has to give and yep, when I look at my salary, it makes more sense to pay someone and let me get on with clearing the mortgage.

    I have left a message for a friend who knows everyone so she may be able to help as well.

    We have not bothered with dinner as too much lunch - kids have had a great bike ride but today I have failed on the dog walky/run. I will be off early in the morning to catchup though :o

    We have all had a fab weekend with much laughter. DH and I feel quite blessed with our kids. Apart from DH and the state of his bedroom, which drives me mad, they are extremely good fun and capable young people. There was a moment today when I caught a glimpse of them in the future and it was beautiful to see. Who knows which path they will take in life, but they have good solid foundations of right, wrong and fun. To be confident and determined at that age is lovely. I feel quite emotional typing this and no, it's not the wine!

    Have a great week. Hard to believe it is Monday tomorrow and April already - I started this diary around Bonfire Night last year -where is the time going?

    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, have had a little money switching taking place this morning :T. We are now half way through our 8% FD regular saver. we opened it as soon as my salary started going into FD, which was well before the mortgage switched. Although we will have to pay tax on the savings it will be a help come September.

    Just about to get ready for a dog walky/run and start a new day. It is very rare that I ever think I don't want to go to work but as the children are off today I would love to be at home with them. No good dwelling on that I have to crack on. I guess when they leave home having a career which keeps me flat out, will stop me missing them :)

    I am thinking, slowly, about doing some additional training. I have a wee dream which may allow me to leave work earlier, well when MF. Not right after they leave home but within a couple of years. I am a very giving person which is quite tricky with my current career - I believe there is something in me which needs nurturing so will be leaving this ticking away in the background and see what happens for now. Possibly more to follow.

    For now I need to jump up, grab my kit and get outside.

    Have a good week, Tilly x
    2004 £387k 29 years - MF March 2033:eek:
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15 :j
  • Have a good day and good luck with the cleaner quest!
    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
  • Lois_E
    Lois_E Posts: 2,227 Forumite
    Ninth Anniversary Combo Breaker
    I am thinking, slowly, about doing some additional training. I have a wee dream which may allow me to leave work earlier, well when MF. Not right after they leave home but within a couple of years. I am a very giving person which is quite tricky with my current career - I believe there is something in me which needs nurturing so will be leaving this ticking away in the background and see what happens for now. Possibly more to follow.

    Sounds exciting! Do keep us posted as things become clearer for you.
    Starting again 13/4/19
    Home loan 1: £21,102.50 Home loan 2: £7,698.99
    Total owed: £28,801.49
  • No responses to gum tree mails but I guess the holidays could have got in the way.

    Hi Lois, yep as my thoughts come together I may well pop sme ideas up for discussion.

    No spend day and although I was late home,kids have had a great day.

    Night, 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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