The Mortgage Free in Three - Take 3 challenge (MFiT-T3)

hoobydoobydoo

Eeek - just remembered that I hadn't updated for this chart so I've just done it.

Lots of changes in my life - new job, new computer, new car but much happier (even though I've taken almost a £10k drop in salary). Hoping to still be able to overpay at the current rate and meet our target but I'll have to see how it goes.

Thank you to FB for keeping everything updated and I will try harder to be on time for the December update.

Hooby
x

mortgagenomore_2

Hi FB,
Really sorry for late update but been on hols.

Last update was incorrect but my balance as of today is £17,300

Thank

FreedomGirl

Hi,

Just thought I'd bump this thread up.

Currently wrestling with challenge of whether to buy a second version of the same dress from a web site using a 15% discount code, and then return the full price one to the shop.

That would be a MSE thing to do, but sort of feels wrong. It would net £26 (it's an expensive dress). I looked at all the dress rental options etc and had a good search through all the sale and outlet sites and, for what we are looking at, it has a lot of bamg for buck and is weight change resistant (i.e. won't look bad if I am a bit thinner or fatter)...needed for a corporate do, and I am not getting new shoes or handbag or make up or anything else...

I know this is not strictly a MSE MFiT3 type topic but I am trying to change my behaviour to make sure I watch over the pounds. Next thing on the list is to change my week day lunch habits whilst in London.

FG

Calfuray

FreedomGirl wrote: »

Hi,

Just thought I'd bump this thread up.

Currently wrestling with challenge of whether to buy a second version of the same dress from a web site using a 15% discount code, and then return the full price one to the shop.

That would be a MSE thing to do, but sort of feels wrong. It would net £26 (it's an expensive dress). I looked at all the dress rental options etc and had a good search through all the sale and outlet sites and, for what we are looking at, it has a lot of bamg for buck and is weight change resistant (i.e. won't look bad if I am a bit thinner or fatter)...needed for a corporate do, and I am not getting new shoes or handbag or make up or anything else...

I know this is not strictly a MSE MFiT3 type topic but I am trying to change my behaviour to make sure I watch over the pounds. Next thing on the list is to change my week day lunch habits whilst in London.

FG

I would say go for it. The company wouldn't have made discount codes available if they couldn't afford it. Sounds like a good dress too!

financialbliss

Very quick post then I'm turning in.

I've just added our very latest member to this challenge. Say hello to tootoo at number 157:

157. tootoo. Build up my savings from £0 to £3,000.

About to send a PM.

FB.

FreedomGirl

(see previous post, a couple of posts higher up in the list)

I went back and ordered another version of the same dress, added in some extra tops which were on sale, and then hit the buy button. It was only at the point at which I saw the confirmation email I realised I had not entered the discount code.

I am really not very good at this

Fortunately, it was free postage and I can return to store (I think).

FG

black_taxi_2

thread on 6th page ttt

reduced mortgage £905 oct

next month I should hit milestone,single figure mortgage

JoeyGrey

Not sure if you receive my updates via the link FB, so just covering myself with an update on here.

Balance as of 12th Sept was £6484.

Hoping to have hit my goal by the March 2014 update :j and will then change it to a saving goal. Very excited

Kwaker_Knacker

Well folks, been to my local Nationwide branch this morning (ended up a rush as we forgot to take a letter with our account details on it. They could have probably retrieved them without it, but wanted to seem organised :rotfl:), and handed them 2 cheques totalling £21770 to fully clear our mortgage :j:j:j

Thanks to a 5 year share scheme maturing, we had £18k on one cheque, and knowing that scheme was coming in, I sold some other shares 4 weeks ago (I'd set myself a minimum price on them as they were heading downwards. They hit my min, and as soon as I sold them, they went back up :rotfl:) and that money made up the difference.

It's been quite a slog to get to this day. We initially had a company share scheme set up 7 years ago, but after 2 years the price had fell a lot and we were advised to cancel it and start again (got all our money back). So really, for 7 years we have gone without quite a bit. No holidays abroad until May this year, no hols at all until 4 years ago, had a few nights out, but you could count on 1 hand per year how many we did have, my car is ancient, tho it runs like a dream mind so I don't want or need to get a newer one, same with my motorbike, it's old but reliable (but I would really love a newer one ), so while our friends were having nights out, lots of holidays etc we'd be in wondering if it was all worth it. Well let me tell you, as of today YOU BET YOUR !!!! IT WAS!!!!! :rotfl:

I wasn't really that savvy with paying off the mortgage when we first started the scheme, I just knew that if I made a profit I'd put it in the mortgage account. However, with the help of this forum, in the last couple of years I became a lot more aware of what I could be doing, so started regular overpayments of £200 a month.

As the mortgage came down, I started to work out how much the shares would have to get to for us to clear the full amount. The golden price was £1.72. Around this time last year, that seemed a long way off with them around 85p, but they've risen steadily especially from about April onwards, and they eventually got as high as £1.87 but have since fell back a bit. Anyway, I ended up selling and got a little extra over what was needed, so might just take the family out this afternoon for a celebratory outing :T:beer:

So, (I realise I'm waffling) I just want to say hang in there guys, keep to your goals and I'll keep checking in to look at the charts.

Good luck to everyone.

K_K

icontinuetodream

:j:j:jCongratulations Kwaker_Knacker!!!!:j:j:j