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10 months in and 90 left to go ... the reality is starting to kick in :)

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  • elantan
    elantan Posts: 21,022 Forumite
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    Oh yes most deff ... But they will all be going to the one place now ... It's gonna be easier for me to track lol

    I don't think I could give up my Tilly tidies now tbh as they really do help me stay focussed ...
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    The small payments I meant was £25 to one visa £30 to another etc... This way it's gonna be chunk to that mortgage and Tilly tidies etc to the other ... Will be hitting the higher interest one first obviously , but once I've paid as much as I can to that it will be time to hit the other one ... If that makes sense ?
  • beanielou
    beanielou Posts: 95,974 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    How long to all go through do you think?
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    It should be complete within the month beanie :)
  • Tilly_MFW_in_6_YRS
    Tilly_MFW_in_6_YRS Posts: 7,854 Forumite
    Part of the Furniture 1,000 Posts Photogenic Combo Breaker
    Hi El, good luck with the remortgage. Good to know more of your money can go on debt busting rather than interest :T

    Have a fab weekend. I'm not sure whether you're working this weekend, so keep up with Buttie's 'just say no'. Sending loads if positive vibes via the ether :)

    Night, Tilly x
    2004 £387k 29 years - MF March 2033:eek:
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15 :j
  • taxi73
    taxi73 Posts: 20,815 Forumite
    you sound a lot happier since you made your deciscion.
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Yep I was working last night ... Had another "issue" with work, this time I ha put in to work in my own unit, so arrived on time to a phone call from the boss telling me I ha to go to another unit as they can't get that one covered and they need someone with my experience/ qualification/ pay grade to go, to say I was angry is putting it very mildly

    I think the happiness was more from having a few days off lol ... Although I do think its good that we have now decided once and for all what to do, it does feel like a new chapter is happening for us :)
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    elantan wrote: »
    Although I do think its good that we have now decided once and for all what to do, it does feel like a new chapter is happening for us :)
    Funny how your situation hasn't really changed, but deciding what to do completely alters your mind set. It gives you control over the situation, which is great.

    Have added you to my list of people to help when I win the Euromillions. Don't build this into your future plans though as I don't currently buy a ticket :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"
  • skint_spice
    skint_spice Posts: 13,461 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I hope it's a happy chapter for you both with less stress & worry. You do sound more relaxed now the decision is made.
    Mortgage OP 2025 £6750/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £35,463

    Declutter 12/244

    Money making challenge £58/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • beanielou
    beanielou Posts: 95,974 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    skint_spice wrote: »
    I hope it's a happy chapter for you both with less stress & worry. You do sound more relaxed now the decision is made.

    I hope so too.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
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