Any single mortgage free wannabes?

michelle2008

heavenfire wrote: »

No Danni I don't have one yet. It just seems like another expense that I don't have the money for right now. Have you?

I keep meaning to do one!! When you think about it it is quite a tidy windfall for whoever if I get hit by a bus tonight!!!

Do those without dependents have life assurance?

rising_from_the_ashes

heavenfire wrote: »

Would be nice to see how you are coping with only one wage coming in and no one else to rely on. It would be good to follow those I can relate to and have something in common with.

michelle2008 wrote: »

I earn a good salary but with no one to share the house cost with my lifestyle is considerably below that of my colleagues.

:wave: Can I join you yet another singleton with a largish mortgage here!

My mortgage has many, many years to run (29!) - I've made one overpayment so far (£300 - which is about a month's payment) - but can't see many more happening soon.

Not had a pay rise for 3 years now & with everything else going up so much there's not really much spare! (and need to change the car - long story for maybe another time)

I so "get" what you're all saying - especially the bit about lifestyle ..... my house (with bills) takes up a lot of my salary and my friends often seem to forget that it all has to come out of one salary when most of them are splitting costs with an OH.

Lets hope we can come up with some ideas if we all stick our thinking caps on!:)

beachie

For those talking about getting a Will done you do know you get one done for free?

http://www.moneysavingexpert.com/family/free-cheap-wills

Have any of you gone to buy something about then put it back in favour for Overpayments instead?

I was in a shop today and was going to buy some cider at £3 then thought in reality this is costing me £8 because if I pay it off the mortgage I will save £5 in interest!

The world is expensive when you think of it like that!:rotfl:

heavenfire

beachie wrote: »

For those talking about getting a Will done you do know you get one done for free?

Have any of you gone to buy something about then put it back in favour for Overpayments instead? The world is expensive when you think of it like that!:rotfl:

Ooo thanks for the link beachie. Will have a look see.

I haven't yet gotten into the mindframe of doing that but I will need to. Went shopping today and had a bit of a splurge. Shouldn't have really as most of it could have waited till pay day :mad:

rising_from_the_ashes wrote: »

I so "get" what you're all saying - especially the bit about lifestyle ..... my house (with bills) takes up a lot of my salary and my friends often seem to forget that it all has to come out of one salary when most of them are splitting costs with an OH.

Lets hope we can come up with some ideas if we all stick our thinking caps on!:)

My so called life currently revolves around going to work, to the gym and visiting my family. I go "out" about once a month if that at the moment which is why I'm probably single :rotfl:

rfta I'm looking forward to the ideas too

beachie

heavenfire wrote: »

My so called life currently revolves around going to work, to the gym and visiting my family. I go "out" about once a month if that at the moment which is why I'm probably single :rotfl:

Maybe there should be a MFWODA - Mortgage Free Wannabe Online Dating Agency. :rotfl:

ultrarunner

I am will-less, and it has been something on the list for a while. I think I get 4* salary life assurance from work, which will not quite cover the outstanding balance.

It can be difficult paying for it all yourself, and none of those economies of scale apply when it's just you. I remember thinking when I bought my first property 5 years ago 'this is what I sacrificed nights out and holidays for'.

heavenfire

beachie wrote: »

Maybe there should be a MFWODA - Mortgage Free Wannabe Online Dating Agency. :rotfl:

Ha from the sounds of it, it would all have to be conducted online as I think everyone would having problems affording to go a date :rotfl:

VoucherMan

Danni-R wrote: »

Does everyone on here have a will yet?

Thanks for reminding me. I do my best to forget about it or put it off.

As I'm the youngest sibling & have no children I really should do something about it. Assuming I outlive the rest of the family the government currently stands to acquire my 'estate'. And I've no intention of letting that happen, especially not over my dead body!

It does amuse me to see the reaction from salesmen trying to flog me life assurance though. When they ask who's going to pay for everything if I pass away. 'I don't give a !!!! I'll be dead' isn't the reply there expecting.

originator

when I got my job sitting on a till in sainsburys I had the option of joining the union.... the only temptation was the free will service which I did sorted(saved me about 150 quid) very MSE;)

rising_from_the_ashes

ultrarunner wrote: »

I am will-less, and it has been something on the list for a while. I think I get 4* salary life assurance from work, which will not quite cover the outstanding balance.

It can be difficult paying for it all yourself, and none of those economies of scale apply when it's just you. I remember thinking when I bought my first property 5 years ago 'this is what I sacrificed nights out and holidays for'.

Will-less too, think about it now & then but never quite get around to it, will have a look at the info on that link tho', thanks beachie. I'm in the fortunate position that I have a 4 x salary life benefit from work, which luckily covers the amount of my mortgage should the worst happen ... but really must try to decide who to leave it too!

Yup, no hols here either ..... one night out so far this year!:o