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Making chicken feed of my mortgage

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Comments

  • Thanks everyone - it was such a relief given my family history :)

    MWCx
    Mortgage at highest (April 2008): ~£195,000
    Mortgage-free: January 2021
    Retired: June 2022 (186 months early!)
  • muddywhitechicken
    muddywhitechicken Posts: 3,940 Forumite
    Tenth Anniversary 1,000 Posts Combo Breaker
    edited 1 January 2016 at 2:24PM
    Personal
    * enjoy life
    * get to and maintain goal weight
    * be nicer to my dad/stop being annoyed with him for no reason other than he's with that woman

    Money
    * seek financial advice so that I can retire at 55 if I want to
    * make a will
    * reduce the mortgage to the current value of the S&S ISA taken out to repay it
    * review and increase our regular charity donations and/or donate to new charities - Mr MWC spent a lot of time at The Royal Hospital for Sick Children in Edinburgh and is keen to make a regular donation to SKFF

    Work
    * be more engaged (I coasted in 2015 :o)
    * co-author a book chapter
    * do not allow myself to be dragged down by negative colleagues

    Home
    * shine my sink
    * use our cookbooks - cook 52 new recipes in 2016
    * make cheese (never got round to it in 2015)
    * no new furniture/home furnishings/kitchen to be bought until we are mortgage-free (I didn't give in to the temptations of the Next home directory!)
    * use CP vouchers/TCB to buy paint and freshen up a few rooms
    Mortgage at highest (April 2008): ~£195,000
    Mortgage-free: January 2021
    Retired: June 2022 (186 months early!)
  • Healthy habits formed in 2015 (albeit sporadic in December): drinking 1L+ water on workdays, body brushing, washing face before bed, walking, smaller portions

    Need to try harder in 2016: drinking 1L+ water on non-workdays, looking after my hands (rubber gloves/using hand cream)

    New for 2016: earlier to bed, brain training, ???
    Mortgage at highest (April 2008): ~£195,000
    Mortgage-free: January 2021
    Retired: June 2022 (186 months early!)
  • Lovely Mr MWC is busy batch cooking so I don't starve whilst he's away for 10 days in January :kisses3:

    I've done a post-Christmas wine stock-take:

    Red = 19
    White = 6
    Rose = 1
    Dessert = 3
    Port = 1
    Fizz = 6

    Total = 36 bottles (I think that is -10 bottles since the pre-Christmas stock-take)

    Plans for the rest of the day:

    - go for a walk
    - pop to the supermarket for a few bits & pieces
    - write thank you notes
    - potter round the house decluttering as I go

    Eggs IN 6
    Eggs OUT 0
    Mortgage at highest (April 2008): ~£195,000
    Mortgage-free: January 2021
    Retired: June 2022 (186 months early!)
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Those are some great goals, MWC! I actually made cheese once, when the local shop had an offer on 4 pints of milk :) but its almost cows milk thats available, and it doesn't agree with me.

    Lots of bottles there, that could be very jolly :)
    2023: the year I get to buy a car
  • Skinnylatte
    Skinnylatte Posts: 1,244 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Home Insurance Hacker!
    What a fab diary, new subscriber :D
    Pay off Car Loan £17,047 £10580 by Christmas 2022

    Mortgage 1 @ 23/03/2019 [STRIKE]£101297[/STRIKE]
    £84457 16.6% DI [STRIKE]£6.95[/STRIKE] £6.15
    Mortgage 2 @ 12/04/2015 [STRIKE]£136121[/STRIKE]
    £100,546 26.1
    % DI [STRIKE]£9.13[/STRIKE] £6.07
    1st LBM 02/06/2013 £[STRIKE]21595[/STRIKE] Debt Free Day 27/03/2015

  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    :rotfl: BUT that was €12.90 of your own money, therefore, we win!!!
    You do indeed :rotfl:.

    Glad you got the all clear :T.

    Happy New Year to you both :kisses3:.

    Great goals there :T.
    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"
  • Fantastic news on being given the all clear MWC. :T

    Happy New Year!

    MGx
    :jMortgage free 08.08.19 :j
    2018: £19410.25 / £9,300 2017: £7646.64 / £11,000 2016: 4557.98 / £11,000 2015: £10,230.37 / £11,000 2014 =£6703.26 / £11,000 2013 = £4288.51 / £8000 2012 = £1600/£5000 2011 = £2579/£3000
    MF date was Nov 2041 - mortgage neutral 23.07.18

  • We visited my great aunt today :)

    She was on good form, pleased with all her presents (particularly the bottle of lambrini :rotfl:) and is settling into the nursing home well :T We popped along to her bungalow to pick up some clothes/personal belongings and it was very depressing to see how little she has :(

    Any tips on where to buy XS/size 8 petite clothes for a soon-to-be 103 year old please?

    HM 10-bean & vegetable chilli, brown rice, 1 tbsp sour cream and 1/2 avocado for dinner - it was delicious, I hope my guts agree!

    Eggs IN 3 (before we left at 09:15, I've not been out since we got home at 17:45)
    Eggs OUT 4 (egg mayo & watercress sandwiches for lunch)
    Mortgage at highest (April 2008): ~£195,000
    Mortgage-free: January 2021
    Retired: June 2022 (186 months early!)
  • greent
    greent Posts: 10,806 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad to hear great aunt is settling in well :) Is there anything suitable in M&S for her? - they go down to a 6. I know my mum bought her late m-I-l things from there last year (she was in her 90s and weighed 6 1/2 stone, so she must've been a tiny size)
    x
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NIL
    Net sales 2024: £20
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