Mortgage Free in Three Yrs

chickadee

Hi everyone,

I'd just like to add my thoughts to other already on here. I think three months is a good interval to update the chart. More frequently than that and there wouldn't be enough of a change to make it an incentive. Besides that, it is a lot to ask of Tall Girl to update the figures for 120+ mortgages.

Kaz2904

I think three monthly for the chart is good because we all come and post on here with our own mini updates anyway and I think that most of us have our ongoing figures in our sigs.
Far too much work for TG to do it monthly, it must be a mommoth task anyway.

I kind of agree with the property !!!!!! analogy. We've moved from a flat to a house but both have needed major work doing on them. It was the only way for us to be able to get on the ladder and in our area it was expensive to rent in 2001 when we bought.
We were fortunate because we are quite happy to have a go at things and DH has now perfected the art of plastering. I am way behind him and am only able to do the bonding coats but that is helpful. It keeps the costs down and lets us do the majority of work ourselves.

The main problem I found is that when you are younger and just starting out with your first property is about the time (for us at least) when your babies are arriving. With children and jobs and major property work going on it can be really depressing to live in dirt and muck for an eternity. Also with living in a property whilst it is being done just makes everything take a million times longer.

If we hadn't been able to do work on our flat or our house though we wouldn't have made much money on our flat and would never have bought our house.

It would have been ok to stay in the flat if DS had been a girl but we were very concious that they would one day have to have separate bedrooms and we want our own room not to have DS and DH sharing and me and DD.

I sometimes wonder if it would be easier if geographical mobility was less and generations merged into the same houses rather than having 1 or 2 people living in huge sprawling houses. It's a tough one really.
We all want our slice of the pie and it's not always what is best for the collective but we (I) look around and think well who's got my back?

Just a few thoughts anyway and I'm sure many disagree- could be a nice debate. TTFN, Kaz.

angelavdavis

pa2539 wrote: »

I couldn't get into the spreadsheet but presume I am black marked. My mortgage only sends me a summary once every 12 months. Can I just update every 6 months? It seems more of a big jump that way and makes me feel better!
I'll try better in the future

Hi pa, my mortgage is the same, but you can actually phone them up with the mortgage account number and ask them for a current balance.

Karmacat

Just been to Nationwide in between two mystery shops, and paid off another £500 from my mortgage - 5% of the total (I'm thinking in percentages now!). Again, this is money from my mum - means that the money from all the bits of amazon and mystery shops etc are going on paying down the credit card.

Superfast_Gran

My thanks are for the dragons quote in your signature - need lots of bucking up right now as in a real fug and can't seem to find a way out - s'why not posting much :T

Karmacat

Hey there Superfast_Gran - sorry to hear you're feeling bad. Have you been to the doc yet? How are the grandchildren?

I'm glad you liked that quote - it applies to me completely at the moment, thats why its in the sig (I'm tempted to say, of course)... were it not for my fears, I'd be debt-free now, and going away on holidays and weekends away regularly. As it is, I feel very confined, very trapped, and I think about that quote a lot.

How would you feel about sharing more on here? Let us know how you are - but lots of hugs to you right now anyway.

LJD1_2

Hiya
Still little to report. Had a bad couple of months paying of the mortgage as we've had so much to do in the house with things breaking and needing to be replaced. Anyway, think this is the first month when we should have quite a bit of disposable income at the end of the month....famous last words. We won't pay off as much as we hoped in the three years BUT i'm not down about that as we'll still have paid extra off which has got to be good. I'm kind of in a good place now ... not obsessing but keepng an eye on finances. We even had two days away during half term and I didn't feel guilty.

Good luck to everyone and don't forget to enjoy life too! xx

Superfast_Gran

Karmacat wrote: »

Hey there Superfast_Gran - sorry to hear you're feeling bad. Have you been to the doc yet? How are the grandchildren?

I'm glad you liked that quote - it applies to me completely at the moment, thats why its in the sig (I'm tempted to say, of course)... were it not for my fears, I'd be debt-free now, and going away on holidays and weekends away regularly. As it is, I feel very confined, very trapped, and I think about that quote a lot.

How would you feel about sharing more on here? Let us know how you are - but lots of hugs to you right now anyway.

In order - yes, I've been to the doc. Apparently the chest pains are mainly muscular due to all the coughing I'd been doing. My 3 little darlings are all well now although the middle one keeps banging his head close to his left eye. He hit it an absolute cracker in the garden a couple of weeks ago, cut his brow and the lump that came up was almost the size of an egg. It left him with a huge black eye which some folks gave us a funny look for when we were out shopping!

We all have our own fears, don't we, that keep us from doing what needs to be done. Things happen in our lives that we allow to feed those fears and before we know it, we believe we're trapped / confined whatever. I keep trying to focus on it's not what happens to you, rather it's how you deal with it - and that's the case whether it'ss physical, emmotional or financial isn't it? But like I said previously, I'm in a real fug and I can't shake it.

Our foster kids were moved on last week and now the battle commences to prove that we are worthy to continue being foster carers - not that we've done anything wrong with any of the kids, but it's about the "professionals" and how we treat them when we're advocating for the kids - talk about office politics and massaging other people's egos - lol not! Anyway, although we've approached a few people for advice I just can't help feeling really sad about the way this has all been handled and how we've got all the work to do in changing things and to remain working. If I thought I was guilty of being crap at looking after the kids, I'd stick my hands up, say yeah it was me and then walk away, but . . Tearing up now :sad:

OH's new job is still all over the place - I don't think the office staff could organise a wet weekend in a swimming pool (don't like the brewery quote!), but he is working and so we can just about make the bills on his money for a while - fortunately I've bought all the kids Christmas presents - the adults may have to wait :snow_grin !

I really didn't mean to go on so much like this, especially as that's not really what this thread's for, but thanks Karmacat, for asking me to share. It helps a wee bit to write the crapola down, to see it, and hopefully I'll pull myself out of it soon. To those who understand :kisses3:

I thought of apologising to anyone who has lost patience with me over my moan, but instead I'll just say that I hope your life remains on an even keel and never need to vent or have someone send you hugs as others have for me.

:happylove

setmefree2

Hi SFG,

We all need to vent sometime as nobody's life is perfect. There are always people out to frustrate us....we have to pick ourselves up, dust ourselves off....

I hope you start feeling cheerful soon but I understand you must miss your little ones. I'm sure they wouldn't want you too feel to sad though. They have been through alot, havn't they? and so have you. Good Luck

Karmacat

Setmefree is right, we all need to share like that sometimes, SFG - picking ourselves up can really only come after that. I'm glad the pains aren't lifethreatening (tho if you're coughing enough to create that sort of pain, they must *feel* lifethreatening) but the foster children being taken away.......... terrible. No wonder you feel in a fug, thats absolutely terrible, especially when you can tell its because of office politics. I hope you're managing to sleep, and that you'll be able to turnthings around soon.