Mortgage Free in Three Yrs

Kaz2904

Hope you're ok wisewoman. Take it easy with the recuperation. The reading may take some catching up though, I went away for 2 weeks and couldn't believe it when I got back!

TallGirl

I am off to day on my weeks holiday so will see you all when I get back. We need start thinking about the next chart so it can be up and running for early October. I have been doing a few of the casino offers with GreasyPalm they are OK if you dont get greedy and cash out as soon as you win. However it is tempting to carry on playing and you end up loosing the lot.

I have paid another £1000 off this month so hoping to get sub £30 by the time the next chart goes up. Can't wait. Take care all.

Dithering_Dad

Hi wisewoman! It's great to have you back in the fold, I was missing your cheerleading! I hope everything went well with the op.

It's been really interesting reading the various posts about credit card stooging - I considered it at the start of the challenge but then decide that as I am so disorganised, I'd end up missing all of the repayment deadlines and it'd cost me a fortune :rotfl: Good luck with this if you decide to do it, it looks a great way of getting that mortgage down.

Mini update from me. I've just about paid off our family holiday and so I'm gearing up for another fight with the mortgage. I feel like I've stalled a bit recently because I paid to have the garden landscaped and then paid for the holiday and then I lost a week's billing when I actually went on the holiday!! It's been worth it though because we had a lovely time on our hols and the kids love playing in our new garden (we had drainage fitted and so it's not a swamp after a rainstorm anymore).

I've just done my tax self-assessment for last year and now need to salt some money away so that I can pay my tax when it comes due in Dec/Jan - I'll be putting a bit away in my offset for this so that I can at least benefit from the money before it's handed over to the revenue

I'll therefore put a few quid away into the offset and then go right back to wiping out the mortgage debt in my Interest Only account.

freebird65

...........

AnW'sMum

Hey DD you can't give up on MSE or more to the point MFiT (rhymes!) There are some jealous people out there, those that perhaps have not got themselves organised financially to either eliminating debt or accruing savings. Maybe they feel threatened (not that they should) by the success of you and others who have got plans in place and are moving in the right direction. Best advice is ignore (I know easier said than done) and move on. Every single person on this thread is successful because they are trying to improve their own financial security and a lot of it is down to you for starting the thread and being a large part of it by motivating others.

We will not let you go without a fight glad you had a good holiday and are pleased with the garden, you know as well as anyone else that it is all about balancing between living now and securing a mortgage free future.

C'mon guys give it up for Dithering Dad :T:T:T

Kaz2904

DD I had noticed you getting a bit of grief in a few posts before I went away. The thing is that none of us know each other and I think some people get really offended when they look at the figures represented in our totals.
What people don't realise is that it takes time and energy to continue to be motivated- very often for a long haul in a challenge such as this.
You and only you know how much better it will make your life once the monkey is off your back.
Please try not to let the sour grapes of others cloud your views and spoil your goal.

Bluelad_2

Arrrrggggggghhhhh!!

Had an excellent month with the mortgage but got taken clean off my motorbike this morning on the way to work :mad:

I know they say bikes can be replaced but this was a minter and perfect for my commuting to work. I know it doesn't affect my mortgage but it feels a right bummer. I'm off to the pub!!

Dithering_Dad

Sorry to hear about your bike, but it's good that you're OK physically. I came off my bike and kit the kerb, which in turn forced my collar bone out through the skin and poked a hole in my jacket. I loved that jacket too.

Apart from the hole in the jacket, I had to throw away my helmet and my pants were all torn to bits around the pocket zip. Oh and the bike was a right off. Major expensive accident. I managed to salvage my jacket and pants with a bit of home sewing - Mrs Dither (who was a "Miss" at the time) was suitably impressed with my darning skills and married me forthwith.

Have a beer and chill - it's good to be alive!!

minimoocow

Hello All!!!

I'm back having finished all my exams last week (if anyone remembers my post back in June!!!) just a nervous 4 weeks until the result now - just managed to catch up with the the thread.

I need to get motivated with this challenge again - is anyone else finding it all a bit difficult a couple of months in? We are still having problems with our tenants and so are having to pay that mortgage rather that our mortgage but I guess it's still better than spending it and I am hopeful of getting money out of them eventually . . . what this space.

On the positive side megamoos has a new job and is much happier. It works out about £50 a month better off so that'll be going towards the mortgage too!!!

And DD - I have seen some of your posts and think sometimes you need to not respond to them as it does fuel things. Please don't take this the wrong way - I'm not saying it's your fault but if people are being rude then I tend to ignore them rather than arguing back. I have had PM's from people who have taken offence to my posts - I just reply saying I don't want to offend anyone but I'm just expressing my views - if their's are different then fine but I won't be forced to agree!!!

MMC

Dithering_Dad

minimoocow wrote: »

And DD - I have seen some of your posts and think sometimes you need to not respond to them as it does fuel things. Please don't take this the wrong way - I'm not saying it's your fault but if people are being rude then I tend to ignore them rather than arguing back. I have had PM's from people who have taken offence to my posts - I just reply saying I don't want to offend anyone but I'm just expressing my views - if their's are different then fine but I won't be forced to agree!!!

MMC

Hi MMC, I'll take your advice and not rise to them. I guess I always feel that because I'm a reasonable person and I associate with reasonable people (like my MFiT chums on here) that everyone else is reasonable too (hmnn, over use of the word "reasonable" in this sentence) and so when they start an argument I always feel that I can talk them around. As we can see, my logic is clearly flawed because they're only interested in winding people up and will say anything to try and get you into another argument. They seem to be hanging around MFW a lot though, which is a pity.

p.s. you should see some of the PM's I get :rolleyes:. Do they kiss their mothers with those mouths?