📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Making chicken feed of my mortgage

1…418419421423424…626

Comments

  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Going down *so* fast :j:j:j bring on the FI :)
    2023: the year I get to buy a car
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    What a great feeling - bet you're dancing on the ceiling :D
    smiley-dance018.gifsmiley-dance018.gifsmiley-dance018.gifsmiley-dance018.gifsmiley-dance018.gif
    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"
  • muddywhitechicken
    muddywhitechicken Posts: 3,940 Forumite
    Tenth Anniversary 1,000 Posts Combo Breaker
    My head's certainly spinning today...

    ... unfortunately that is because I work in an office with a glass roof, no windows and the air conditioning wasn't working today :(

    I was to ill to eat the delicious dinner Mr MWC had prepared - local lamb chops, courgettes & asparagus cooked on the BBQ, baby turnips and HG broad beans with feta, mint & lemon *gutted*

    Eggs IN 5
    Eggs OUT 1 (Miss LRH's)
    Mortgage at highest (April 2008): ~£195,000
    Mortgage-free: January 2021
    Retired: June 2022 (186 months early!)
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Oh dear and it sounded delicious :(
    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"
  • Tilly_MFW_in_6_YRS
    Tilly_MFW_in_6_YRS Posts: 7,854 Forumite
    Part of the Furniture 1,000 Posts Photogenic Combo Breaker
    you must have been boiling. Take it easy x x
    2004 £387k 29 years - MF March 2033:eek:
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15 :j
  • CathT
    CathT Posts: 7,133 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Hope work is cooler today, must have been so hot to have made you ill. That meal sounds truly delicious!
    June 2025 - part 1 - £19,145 part 2 - £21,973 Total - £41,118 29 months to go!
  • muddywhitechicken
    muddywhitechicken Posts: 3,940 Forumite
    Tenth Anniversary 1,000 Posts Combo Breaker
    edited 2 July 2015 at 7:54AM
    I'm visiting a Supplier's temperature controlled facility today so hopefully I won't overheat :)

    It also means I had a lie-in, I can have a leisurely breakfast in the garden and I'll be home mid-afternoon :D

    The annual statement for our L&G S&S ISA (taken out to pay off the IO N/wide mortgage) arrived in the post yesterday. We've paid in £22,852 over the past 13 years and (at the end of May) it was worth £33,841. I'm reasonably happy with that. I'm sure I could have made more money elsewhere but for something that just ticks along and doesn't require any effort on my part, I can't grumble!

    I don't know what to do with it going forward though. Do I:

    - continue until outstanding mortgage = S&S ISA and pay off mortgage? Probably not as we're only paying 2.5% on the mortgage.

    - transfer it to a better S&S ISA? I looked at this a couple of years ago and the transfer fees seemed enormous :eek:

    - just withdraw the money and open up a new S&S ISA? I probably should have thought about this before the end of the financial year...

    - do nothing?!

    - ???
    Mortgage at highest (April 2008): ~£195,000
    Mortgage-free: January 2021
    Retired: June 2022 (186 months early!)
  • apple_muncher
    apple_muncher Posts: 15,241 Forumite
    Part of the Furniture 10,000 Posts Mortgage-free Glee! Name Dropper
    Good luck with your financial decision-making.

    I loitered around the chilled section of my local aldee yesterday... Bliss.
    NST March lion #8; NSD ; MFW9/3/23 Whoop Whoop!!!
  • muddywhitechicken
    muddywhitechicken Posts: 3,940 Forumite
    Tenth Anniversary 1,000 Posts Combo Breaker
    Eggs IN 5
    Eggs OUT 17 (1 box sold for £1.50, 1 box given to friend, 4 used for huevos rancheros, Miss LRH's in the bin)

    £8.97 claimed from TCB

    JL have cancelled my free facial on Saturday :(
    At least I won't be tempted to buy lots of new lotions & potions :T

    Work continues to be a nightmare... another one of my projects has been earmarked for acceleration :eek:

    Friday tomorrow :j
    Mortgage at highest (April 2008): ~£195,000
    Mortgage-free: January 2021
    Retired: June 2022 (186 months early!)
  • Watty1
    Watty1 Posts: 6,872 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    No idea on the financials but glad Miss LRH is better now :)
    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.3K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.2K Work, Benefits & Business
  • 599.4K Mortgages, Homes & Bills
  • 177.1K Life & Family
  • 257.7K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture