Polkadot Dress and her (long) journey to mortgage freedom.....

Lois_E

Polkadot_Dress wrote: »

Most annoyingly I have also lost a cheque for £100 :eek: that I am really frustrated about. Today will be a massive search for the missing funds as I am sure you know where they will be heading. What is the etiquette here, I am thinking I can't ask for another one can I if it is a gift? So embarrassing

Polkadot_Dress wrote: »

Missing £100 cheque was found this afternoon by Mr PD :T .....in the toaster of all places :rotfl:

So glad you found it. But if you hadn't, then I'd say definitely 'fess up and say you were so very grateful for it, but you were terribly sorry you'd put it in such a safe place that you couldn't remember where. I know if I lost a cheque I'd find it very hard to ask for a replacement, but OTOH, if I gave somebody a cheque for £100, it would be because I wanted them to have the money, and I'd absolutely want them to tell me if it got lost. Until it's paid in, it's just a piece of paper, isn't it?

Anyway, just dropping by to say Hi and welcome. :wave:

How long do you expect to take to pay off your mortgage? By the sounds of it you could be a long-hauler like me. (My mortgage isn't so huge, but I'm on a comparatively low income, so I only make slow progress with it.) I'm friends with all sorts on here, but sometimes it's nice to hang out with others who are also on a loooong journey. If you're interested, then take a look at my diary. It's here. Other long-haulers you might like to read are QB Wolf, Peonie, and Mortgage free by 50.

There used to be a thread for people with more than £100k to pay off. Nobody's posted on it for ages, but if you're interested then it's here, just to show you're in good company.

Anyway, best of luck on the challenge.... and with house training the puppy. I am jealous - I'd love a puppy but can't have one right now.

*Jellie*

A cheque in the toaster AND ten pounds in the washing machine- you've given me the giggles with that

It sounds like we are living in similar areas and are paying off similar amounts. Good luck getting the loan paid off and with the MFW journey. Baby steps will get us there

Polly_Wolly_Doodle

I'm with Jellie, a cheque in the toaster and a washing machine giving out £10, excellent! Thank goodness your DH found the cheque:j.

moneycurious

The toaster... and the washing machine - thats tickled me..... i think i mite go and rummage in ine , but i am fearful that i will only find bread crumbs and dirty kecks!!
How many bits you putting on flebay??? i have loads and for some reason they have stopped me putting +10 things on.... something to do with an old man that complained i had sent him the wrong thing but hey ho! xx

Polkadot_Dress

Thanks all - no further yielding of cash from my kitchen appliances today :rotfl:

Lois_E how long I'll take is a very good question. I would like a nice round 10 years, but to commit to that goal I'll need to overpay by £2000 per month on top of my £772 interest payment. At present at a stretch (and it is a real stretch) I can manage £1250 overpayment. However I like a challenge so I am going to stick to 10 years and hope that future payrises and windfalls etc will close the gap. So there we have it - my goal is to be mortgage free by December 2022 :j

moneycurious I've added only 8 things to ebay today, but no messages about restrictions so hope I can continue to load some more this evening. I've already sold one item (I like to list using Buy it Now as it appeals to the impulse purchasers and satisfies my need to shift things quickly ) for £10 so that has been added to the pot.

We have had three lots of visitors here today and I am very tired and back in a housework pickle

*Jellie*

Have you been over to the flylady thread?- I find it a great help on keeping housework under control.

Polkadot_Dress

Thanks Jellie - I have lurked on the flylady thread, although my real secret is I have a very tidy other half. Thank goodness :T He loves sorting my chaos (well probably exageerating there) and most of the time manages to keep me in check. Bless him.

Polkadot_Dress

I have started New Year with a bug and am due back to work tomorrow. I do need to make it in as have some important prep I need to do that I can't delay.

So nursing my cold and cough with a glass of mulled wine.

We have had some unexpected good fortune over xmas and with a bit of shuffling of funds I am already up to £2500 of my £6000 target that I need by end of March to pay off the loan :T This has been tucked away in my ISA until I need it.

In other MFW news:-

• I have followed Tilly's example and bulk ordered some loo roll and kitchen roll from Amazon. I used some gift certificate payment for this that I got for trading in some old games/DVD's. So total cost only £17 to me.
• I patched my littlest one's favourite pair of jeans with some denim. Quite relaxing and felt very smug and domesticated.
• Sold 8 things on ebay, and have used the funds to replace my daughters brownie uniform on ebay and bought some chewy dog treats in bulk from the garden centre.

Also in case this is news to anyone. If you have a paypal account you can request a paypal access card which is a debit card linked to your paypal account. I've had mine for about a year now and it is fabulous. Sell something on ebay and no waiting for funds to transfer to your account, you can access the funds immediately using your card. This is how I was able to spend some of the funds in the garden centre. It also keeps everything nice and separate. I know in MFW land I should perhaps be directing all of that straight into overpayments, but it can be a fun challenge to try and earn enough to use your paypal card for the weekly shop etc.

Will give some thoughts to more specific goals for 2013 when I feel better

Polkadot Dress xx

moneycurious

Happy new year!!

Thansk for the tip - i will be looking at that now!!!!xx

pixnmix_2

Hi Polkadot Dress. Just found your diary and had lots of smiles and tips reading it. Good luck on your MF mission.
**subscribed**
Pix