Mortgage Free in Three Yrs

sachsaini

Hello DD,

I agree with the fact that a Indian takeaway is full of stuff that the meat swims around in but I can tell you that it is anything but ghee. Most of the time it is oil they use.
And the fact you imply Indian food is unhealthy I dispute too it is some of the most healthy food you can create. The fact that restaurants create food for the mass markets means it will not taste good and is created so that people can but loads of chilly in the food and show of to there mates on how hot they can have it. This is not Indian food most likely it was the creation of some Bangladeshi cook.
Thanks

gallygirl

Crikey, nearly a year already :eek: . However, am pleased as I only need another £20 or so to have reached my target for the year :T .

Have had a lot of extra expenditure so especially pleased. However, had planned on hammering it next 2 yrs buut have just changed to job I'll really enjoy, but around £200 net less each month :mad: .

Nil desperandum . I'll carry on as I have been doing - pigsback (2000 points for each Holiday Inn Express booking, will be hitting them big time with work), quidco (had an 18 month old query added last month :T , £55!!!!!), lunch into work, don't waste food, ebaying etc.

I don't see it as money saving any more, just a way of life :A .

Well done everyone :j :j :j :j

farhad1965

sachsaini wrote: »

Hello DD,

I agree with the fact that a Indian takeaway is full of stuff that the meat swims around in but I can tell you that it is anything but ghee. Most of the time it is oil they use.
And the fact you imply Indian food is unhealthy I dispute too it is some of the most healthy food you can create. The fact that restaurants create food for the mass markets means it will not taste good and is created so that people can but loads of chilly in the food and show of to there mates on how hot they can have it. This is not Indian food most likely it was the creation of some Bangladeshi cook.
Thanks

Although I had a bellyful at (late) lunch time... your talk of an Indian meal is making me hungry!!! You are right, in all the hundreds of restaurants in 20 mile radius of me, I can say only 4 are quality Indians and I have seen actual Indians eating in those. Unfortunately I just cant handle the heat and end up as a big ball of sweat!!!

Dithering_Dad

sachsaini wrote: »

Hello DD,

I agree with the fact that a Indian takeaway is full of stuff that the meat swims around in but I can tell you that it is anything but ghee. Most of the time it is oil they use.
And the fact you imply Indian food is unhealthy I dispute too it is some of the most healthy food you can create. The fact that restaurants create food for the mass markets means it will not taste good and is created so that people can but loads of chilly in the food and show of to there mates on how hot they can have it. This is not Indian food most likely it was the creation of some Bangladeshi cook.
Thanks

Hi sachsaini, sorry you thought I was implying that indian (or chinese, as I mentioned these too) food is unhealthy - I know it's not and that most of the restaurant food is tailored to western taste and bears no resemblance to what you'd have as a home cooked meal.

I worked in Saudi for a year and there is a huge indian/pakistani community there, so we were lucky to sample proper Indian food cooked for us by our friends and it was lovely (much like Mrs Dither's - I dare say she stole some recipes). Actually to be fair to Indian restaurants, we have a great one we go to in Oldham, yum.

lol, I can't seem to stop offending people on MSE these days . Hopefully I've cleared this one up at least .

setmefree2

Desperate_Housewife wrote: »

Just a quick update as I haven't posted for a while. I'm trying to keep within my housekeeping budget but its hard and I have recognised a habit of mine of bulk buying when things are cheap, good in some ways but I think I've been overbuying and hoarding so I'm in the process of trying to use up what I've got before I buy more storecupboard ingredients.

I think that controlling the housekeeping is the key thing for me paying off this mortgage as its the one thing I can cut down on.

Hi

I recognise myself in this. The SMFs use to spend a couple of hours in Tesco every weekend buying all "the bargains" - bulk or otherwise. Now my kids are older I find it easier and cheaper to shop everyday locally (Sainsburys and Tesco's local) and I have shaved at least £100 a month of my shopping bill. I now waste no food at all and whilst I probably spend a little more per item overall it saves me money....;) and my family are so grateful that we don't have to spend half of our weekend in a supermarket so now we have just the best weekends...

Good Luck:D

setmefree2

ali007 wrote: »

Crikey, nearly a year already :eek: . However, am pleased as I only need another £20 or so to have reached my target for the year :T .

Well Done:T:T:T:T:T:T

Kaz2904

Look at my sig- I've paid off the windows- FINALLY!
I'm dead chuffed. It's been 4 years and we sold the flat a year after we had them fitted so we've been paying for these things with no benefit from them for so so long now!
Go us, Yay!

angelavdavis

Well done Kaz, what a great achievement!:T :T

Kicked myself today, took my eye off the ball, and have gone £50 overdrawn on my current account by mis-timing account clearing times! I will only be overdrawn until tomorrow, but its frustrating as heck! My fault for stripping the account of excess funds to pay into the offset!

Ah well, looks like some of the quidco money will have to pay the bank charge!

Trying_to_be_good

I'm thinking of simplifying my financial life, and am grateful for any views.

Currently, my mortgage is part repayment/part interest only (£40,000). I have an endowment forecasting £45,000 (original target £60,000) to cover the interest only element, but am looking at surrendering it/making it paid up/selling it and using the £150 per month contribution (it was only a 20-year endowment, hence the higher monthly contribution) to increase my monthly mortgage payment. I would plan to use the money from the endowment (if I sell or surrender it) to reduce the mortgage.

I also have S&S ISA in the technology sector - a lot of this dates back to 2001, but briefly it's worth £6,000 having cost £9,000 over the last 6 years. Is it time to cut my losses with this? I have been hoping it will at least recover to its cost.

Any thoughts?

OverlandLandy

OK - Here is my Latest Update....and my updated signature.

Following me flogging stuff on eBay, selling one of my cars, getting cheaper house and car insurance + Quidco cash-back + compensation from Fly Maybe for flight delays, for not going on holiday in 3 years, running my Land Rover on Veg oil, downgrading my company car for a smaller one.. etc........and for following my 'Chocolate fountain' money management system I have shaved a fair whack of my mortgage - £17.5k or there abouts. :j

Its not going to be repeatable as there were a fair few - one offs in the mix, however I'm saving via my share save option at work and this should provide me with some shares to sell in the next few years (all the proceeds will go towards paying off the Mortgage):cool:

Last month all but £66 of my monthly mortgage payment went into paying back the capital (a real advantage of the offset account- it shows when you reduce the outstanding balance but keep the repayments the same).

Like Dithering Dad - I'm about to sit my motorbike test (again!) and I keep being drawn to-wards a new BMW R1200GS or an F850GS....help....please someone stop me......


PS T in the park is just a couple of miles up the road from me - and I agree with the previous comments - its so 'last year'...Rockness is apparently the music lovers thing up here now!:dance: