Mortgage Free in Three Yrs

setmefree2

Ahhhhh!

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CONGRATULATIONS

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Kaz2904

Congratulations shazzany. What a lovely name Evie Rose is.

I was having a little reassessment of our figures the night before last because DH wanted to know where everything was and how much we had in savings. He wanted to check that his inheritance hadn't been frittered away.
When I finally got through adding up all the little pots of money we have scattered around and subtracted the significant amount we will be paying off our balance transfer on Monday I was very pleased to see that we only owe his savings £3412.
Now while this is still a lot of money (and more than we owed when I first worked it out) I'm very pleased because in the last year we've bought a new car £1550, a laptop £350, new furniture £408, a wii £280, part decorated the front room £200 so far, garden stuff £100 and so it continues.
We've managed to only overspend by £500 ish and still have all of this stuff. The garden stuff was essential and is working well because we now have our own little kitchen garden. It is minimal at the moment but once I get going on it properly I should be able to produce food for us all year round.
We have still maintained our mortgage overpayments whilst we have bought all of this stuff too so It feels good that we have that cushion.
Having seen how much we managed to clear without trying has encouraged DH and made him think about buckling down so that we can clear the rest of it.
We went camping at the weekend which cost a fortune as it was our first trip. We have been offered a newer bigger tent for £50 and after lengthy discussion have decided to go for it as it was miserable in the evenings being cold sitting outside while the kids were in bed.
That will be us nearly done then, just need to pick up a couple of little things as and when we see them and it will be almost free camping for us all summer long!
We have lots near us that's cheap and local so we don't have to drive too far to do it either.

comping_cat

CONGRATULATIONS SHAZZANY ON THE BIRTH OF EVIE ROSE

hughmungas1986

Congratulations on your new addition to the family :T

firesidemaid

i too would like to send my congrats on the birth of your daughter - lovely to hear that you are both doing well x


on a MFi3 note, i was worried that i wasn't keeping up with my target and was finding 'extra' money difficult to come by - but, i have got my finger out with ebay (rediscovered how much easier turbolister makes life) and also had some good news on the credit card front.

it seems that everyone wants to throw large sums of cash at me at the mo. i can have a 0% interest and bt rate for 5 months from one card for 8k, which will bring in approx. £165 after tax) - plus 10k from another. the second has a 3% bt rate, but as it is for 13 months i have calculated it still will bring in another £200. all this is a bit long term, but i am also making £300+ a year from my current account o/d too.

what i would really like is a lovely offset mortgage, just hope there are some ok rates around by the end of the year.

are others being offered lots of 0% deals? looking forward to seeing how we are all doing at the next check-in.

yours, no 75 x

cupid_s

CONGRATULATIONS SHAZZANY!!!!!!!!!!!!!!!!!!!!
Glad both mommy and baby are doing well.

We got back from our holiday in Sweden tuesday morning (1 o clock) and I was in work that day because I though we got back a day earlier so didn't book enough time off. D'oh.

DH did a 300km non-stop cycle around lake Vattern there - took him 19 hours 50 mins but he raised over £200 for charity so we feel very good.

The holiday ended up costing more than we thought, but when we arrived back we found a nice letter from the tax credits people saying they were giving us over £900 in back dated payments from when DH was working and I wasn't earlier this year. DH thinks we should treat ourselves - I have other plans (can you guess?)

My thesis is now completely done to 1st draft. All 227 pages of it. It needs to be submitted by next friday and my supervisor still has only returned corrections for 2 out of my 6 chapters. I booked the day off work today to get the rest of my corrections done (thinking that supervisor would have got things back to me by now) but now I have almost nothing to do - hence me being here and not writing furiously.

Hope everyone is well and making lots of overpayments.

angelavdavis

Great news congratulations Shazzany!!!

Is this our first MFiT baby?

gallygirl

CONGRATULATIONS SHAZZANY!!!!!!

Piccies please

Managed to make OP of £585 today (I say managed as website down yesterday) :j . Hasn't brought forward MFD though :mad: . Still, payday next Thurs so hopefully can knock a month off then

Move_To_Portugal

Congratulations Shazzany:T

ailuro2

Congratulations Shazzany,on your wonderful addition, I hope everyone is well.:D