Countdown to Freedom

Secret_Saving_Squirrel

I agree Holly. Once the mortgage is gone, it is not the end.... It is a new beginning.

Watty1

I feel poorer now I don't have a mortgage :rotfl:

apple_muncher

Watty1 wrote: »

I feel poorer now I don't have a mortgage :rotfl:

But you do have a jumping little man in your siggie!

greent

Watty1 wrote: »

I feel poorer now I don't have a mortgage :rotfl:

Strangely, I think we seem to skinter on a day to day basis since repaying ours! :eek::D

Watty1

I so get that Greent. In my case it is just because I'm trying to repay the business and get it back on an even keel as a priority as I had totally drained it to repay and so am not paying myself other than a basic minimum wage.

greent

Watty1 wrote: »

I so get that Greent. In my case it is just because I'm trying to repay the business and get it back on an even keel as a priority as I had totally drained it to repay and so am not paying myself other than a basic minimum wage.

Ours is because we're doing the big projects (and some little ones) which we'd been putting off - and I'm paying as much as possible out of cashflow, rather than all from reserves - all those trips to Wickes and B&Q really add up!!:eek::D x

Miss_Moneysaver

New to this mortgage free business. Tilly Tidies? What is that then?

Thistlewhistle

Miss_Moneysaver wrote: »

New to this mortgage free business. Tilly Tidies? What is that then?

It's where you round up your spends to the next whole £ and TillyTidy the difference into savings.

Eg Council Tax £127.45, you'd call it £128 and TT the 55p

Or you can do. deluxe TT and call it £130 and TT the £2.55
This is what I do.

It's amazing how it all adds up.

Tilly_MFW_in_6_YRS

Miss_Moneysaver wrote: »

New to this mortgage free business. Tilly Tidies? What is that then?

Thistlewhistle wrote: »

It's where you round up your spends to the next whole £ and TillyTidy the difference into savings.

Eg Council Tax £127.45, you'd call it £128 and TT the 55p

Or you can do. deluxe TT and call it £130 and TT the £2.55
This is what I do.

It's amazing how it all adds up.

Hi, Thistle is right. I started moving any pennies and sometimes £ to 'tidy' my bank account/s. I move the money to my mortgage or offset savings, now I move them to my Future pot. It has averaged around £45 extra OP each month, without really noticing the loss.

It really helps those weeks where no money comes in, as you still feel you are doing something.

Best wishes Tilly x x

Tilly_MFW_in_6_YRS

Morning, I've sent out menu plans and am up to date. If you are waiting for one, but not sent an email address, please PM a mail address and I'll ping it over.

£30.17 from TCB moved to Future pot.

I'm investigating insulation techniques now - I know how to live

Dinner this evening is chicken and mushroom pie, with a suet pastry crust. It's definitely turned cold now. Heating is on for two hours in the morning and three hours at night. That will have to do for now.

Mum is moving in from Christmas until end February - this will be a trial period to see how we all cope. She has an excellent sense of humour but is aware that she likes the quiet - with the best will in the world, I can't describe this house as quiet.

Finally, I'm looking at a Go Pro camera for Mr T - I do appreciate this is a want not a need but I think he'd really enjoy exploring. Particularly in Portugal on his bike.

Right, suet pastry making awaits - last night I made a great (even though I say so myself ) hot pot. I used the food processor and sliced potatoes, carrots, onion and half a BNS, then layered the veg (I just dug out the different types with my hands) with diced pork shoulder (bargainous buy from Mr L) - I used a chicken stock cube and a mug of chicken gravy, poured it over the top and put it in the top oven on low. Melted in your mouth. I had some broccoli to use up to add some green

I also bought a bargainous chicken from Mr L, roasted it at the same time as the hot pot - side by side. I pulled off all the meat, used the scraps as a treat for the cats and dogs, then the rest will be used in the pie tonight and some shredded then frozen for risotto.

I also made some coconut rice pudding - reduced fat coconut milk, pudding rice, Truvia and long life skimmed milk. Cooked it on the hob, portioned into small bowls, then served with a sprinkling of cinnamon. It took maybe 3 minutes to put together, 15 minutes to simmer and job done.

RM surveys are up to date, another product due from PC to test and a further £3.40 to claim from TCB.

Right, that's it - I'd better crack on. I can hear the ironing calling me as well



Best wishes, Tilly