Natty's Kicking her Mortgage in the Pants Diary

nattypants

Calfuray wrote: »

What can I say, it's true Same goes for you though, no more disappearing acts, we expect a minimum of bi-weekly updates

Good luck with assignments, I'll give you a friendly kick up the backside if you return the favour, lots of work to be getting on with

x

I did of course mean to say to Lois that we find it difficult to function without her;)

Yep Cal, mutual kick up the backside it is!

Lois_E

nattypants wrote: »

Lois - what can I say? Please, please don't disappear again as me and Cal find it difficult to function with you.

Calfuray wrote: »

What can I say, it's true

I *hope* you both meant that you find it difficult to function without me, otherwise I shall go out in the garden and eat worms - not literally, but that's how my family used to describe sulking when I was little.

Srsly, though, that's a lovely thing to say, so thanks.

nattypants

Please refer to post #2372;)

Although I do like to think you're actually my dog secretly posting Lois:D

Calfuray

nattypants wrote: »

I did of course mean to say to Lois that we find it difficult to function without her;)

Yep Cal, mutual kick up the backside it is!

Lois_E wrote: »

I *hope* you both meant that you find it difficult to function without me, otherwise I shall go out in the garden and eat worms - not literally, but that's how my family used to describe sulking when I was little.

Srsly, though, that's a lovely thing to say, so thanks.

We clearly need to go to bed, that's two stupid mistakes I've made tonight!

nattypants

I'm just filling my HWB now Cal:D

Calfuray

Fricking baltic, eh Natty? Seen the weather warnings?

Lois_E

nattypants wrote: »

Please refer to post #2372;)

Although I do like to think you're actually my dog secretly posting Lois:D

Ah, cross-posted. Hadn't seen that.

PS Woof!

LydiaJ

nattypants wrote: »

Lydia - please don't lurk, I like company otherwise it's just me and HDK talking crap

Well, with an invitation like that....

I have been lurking on MFW for a while (my usual MSE "home" is the debate board) in a sort of "I would join if I had a normal mortgage" sort of way. Recently, though, I've been realising that I could contribute to the general chit chat even if I don't have a diary here myself, and anyway, I do *want* to be free of my "mortgage", even if I'm not in a position to do much about it ATM, so that makes me a sort of MFW, doesn't it?

Calfuray

LydiaJ wrote: »

Well, with an invitation like that....

I have been lurking on MFW for a while (my usual MSE "home" is the debate board) in a sort of "I would join if I had a normal mortgage" sort of way. Recently, though, I've been realising that I could contribute to the general chit chat even if I don't have a diary here myself, and anyway, I do *want* to be free of my "mortgage", even if I'm not in a position to do much about it ATM, so that makes me a sort of MFW, doesn't it?

Not a 'normal' mortgage? You're gonna have to explain now, sounds interesting

I would say to chit chat 100%. It's all about the mentality, I skulk about the DFW boards and the OldStyle MoneySaving board too to pick up on hints etc.

You're a MFW definitely, Mortgage-Free Wannabe - it's in the title, you want to be free! So you can be all spongey now, soak up the knowledge and apply it when you are in a better position, perfect

Welcome to the madhouse!

LydiaJ

Calfuray wrote: »

Not a 'normal' mortgage? You're gonna have to explain now, sounds interesting

I would say to chit chat 100%. It's all about the mentality, I skulk about the DFW boards and the OldStyle MoneySaving board too to pick up on hints etc.

You're a MFW definitely, Mortgage-Free Wannabe - it's in the title, you want to be free! So you can be all spongey now, soak up the knowledge and apply it when you are in a better position, perfect

Welcome to the madhouse!

Thanks Calfuray.

It's not a normal mortgage because it wasn't lent to me by a bank but by my dad. If I scratch a few quid together to overpay him, then that's bad news for him because I'm paying him more interest than he could earn in a savings account (although probably less than I'd have to pay on a commercial mortgage), and he's getting useless interest rates on the rest of his money. So if I have spare cash I put it in one of those numbered accounts with the Spanish bank instead of paying him off - at least I can get 3% (ie 2.4% net) there, which is only just less than I'm paying him, and anyway, he can't get 3% from the Spanish bank because he's not the kind of person to bother with swapping money round between accounts every month and moving DDs to a different bank etc, and the amount he's lent me is more than the £20k limit.

My LTV is quite small - I bought the house with my late husband's life insurance payout topped up with the "mortgage" from my dad - and although I'm gradually paying it off, I don't have to worry about how long it's going to take because I expect to get enough to pay off the rest of it when I get my compensation for the accident that killed my husband. Not sure when that's going to be, but when I eventually get to post on the MF roll of honour, my "pearl of wisdom" is going to be about putting lump sums or windfalls towards a house rather than blowing them on something frivolous.

Not your normal MFW, see? But then I've never been the kind of person who fits into the conventional tick boxes. I'm not even a conventional widow - he cheated, he left, he filed for divorce, and THEN he died when the divorce was nearly complete, but not quite. (The compensation calculation's based on how much maintenance he would have paid for our kids until they grow up, etc, so I'm not being unfair claiming it.)