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Making chicken feed of my mortgage
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Great stuff for Mr MWC butmuddywhitechicken wrote: »He has a third interview tomorrow and he was told to phone the chap he met today on Friday morning - I think they like him!
No chicks
She's still sitting tight but too many days have passed now. How were the grandchicks? for the chicks. Grandchicks were lovely, so funny, such busy little things but not very bright 
. They're allowed free rein in the garden but are desperate to get in the house, especially the blue one. Slightest gap and she's in 
. Wasn't quite so enamoured with them when they thought my brightly painted toe nails were berries and kept trying to eat them :rotfl:. 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"0 -
Grandchicks were lovely, so funny, such busy little things but not very bright. They're allowed free rein in the garden but are desperate to get in the house, especially the blue one. Slightest gap and she's in . Wasn't quite so enamoured with them when they thought my brightly painted toe nails were berries and kept trying to eat them :rotfl:.
:rotfl:
Have they trashed the garden yet?!Mortgage at highest (April 2008): ~£195,000
Mortgage-free: January 2021
Retired: June 2022 (186 months early!)0 -
Wasn't much to trash to be honest and they have the herb garden cordoned off. Though the little white one, who takes off when getting out of their run like she's been watching Chicken Run, could manage it if only she could remember why she wandered over there in the first place :rotfl:.muddywhitechicken wrote: »:rotfl:
Have they trashed the garden yet?!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"0 -
:rotfl:
Yes, white chickens are flighty. The current MWC flock are diggers not jumpers - I'm not sure what's worse...
Funds from sale of shares and S&S ISA have reached my bank account :TMortgage at highest (April 2008): ~£195,000
Mortgage-free: January 2021
Retired: June 2022 (186 months early!)0 -
:wave: I'm back from a lovely weekend in the ghetto (aka the IoW)
We are currently thinking that we will transfer our cash ISAs + my 2016/2017 ISA allowance to a managed investment portfolio, transfer most of our remaining cash savings to a unit trust portfolio to drip feed the ISA in future tax years, increase my pension contribution, continue to save into regular saver accounts (new kitchen fund) and treat our IO mortgage as a 10 year repayment mortgage by paying £500/month. Mr MWC will keep his cofunds S&S ISA.
Well that's what we think we should do... I wonder what the IFA will advise?!Mortgage at highest (April 2008): ~£195,000
Mortgage-free: January 2021
Retired: June 2022 (186 months early!)0 -
Wow...what alot has been going on.
Fabulous news on the financial situation - sounds like you are just where you want to be.
MCIMortgage Free x 1 03.11.2012 - House rented out Feb 2016
Mortgage No 2: £82, 595.61 (31.08.2019)
OP's to Date £8500
Renovation Fund:£511.39;
Nectar Points Balance: approx £30 (31.08.2019)0 -
MWC, very well done on being so on top of your investments and on having been so sensible with past financial decisions! Now it has paid off. Bear in mind that you have done very well so far on your own, and the advice of an IFA is only that, advice. You don't have to take it. It looks to me as if you are doing an amazing job without help.Paid off mortgage nine years early in 2013. Now picking and choosing our work to fit in with the rest of our lives!
Still thrifty though, after all these years:D0 -
Thanks both
We have too much of our nest egg in cash and now's the time to take a chance if we want to retire early. I'm not that confident in my own financial abilities though...Mortgage at highest (April 2008): ~£195,000
Mortgage-free: January 2021
Retired: June 2022 (186 months early!)0 -
muddywhitechicken wrote: »He has a third interview tomorrow and he was told to phone the chap he met today on Friday morning - I think they like him!
Mr MWC has since had a chat with a fourth person and a fifth is scheduled for tomorrow... just waiting for them to make him an offer he can't refuse now :rotfl:
Eggs IN 5
Eggs OUT 0Mortgage at highest (April 2008): ~£195,000
Mortgage-free: January 2021
Retired: June 2022 (186 months early!)0 -
How old is the IFA? And he's still working? Not that good then :rotfl:. Remember that if it is that easy to run a successful fund then why do half perform worse than average. As past performance is no indication etc. you'd be as well sticking to low cost index trackers. I recommend you & Mr MWC read Smarter Investing by Tim Hale before you make any final decisions.
Great position to be in though :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"0
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