Mortgage Free in Three Yrs

Trying_to_be_good

I'm celebrating my £75 quidco cashback (from my car insurance last August!) finally becoming payable, which means it should arrive in my account in early June.

And it's half-term, so I have the week off work and spending time with my two step-sons (an hour in Clarks today for new school shoes - arghhhh!). We're just watching Springwatch and enjoying the wildlife stuff.

Looking forward to the next payday, and updating the sig - keep it up, everyone!

Desperate_Housewife_2-2

I'm still here too!

I have been 'in between' jobs, doing bits and bobs to scrape up money so no massive overpayments but I got offered a new job on Friday and I negotiated child friendly hours so I am chuffed to bits! Just waiting for the papers to come through with the salary scale.

I rang the tax office up today and have been overcharged so they are going to send me £124 back too whoohoo!

I feel quite positive at the mo, planning on paying £500 off at the end of the month making the balance £8k. I have been looking into finishing off my diploma through the OU which is £695 for the course I want to do but it means I will have my diploma so I have registered for that, it starts in October.

Things are going well, hope everyone else is ok and keeping on target!

Desperate_Housewife_2-2

Just popped by to update my sig as I got paid, not much but paid off £500 so now I owe £8k!

Looking forward to starting my new job and getting some regular money in so I can plan better.

Food seems to have gone up loads, I sat down with the family last night and we had a discussion about food shopping, I asked everyone what their fave meals were (they eat everything I put in front of them so thats good) and we looked at cheap options. I notice that meat sometimes seems more expensive than veg options! eg buy a chicken for £3 lasts a couple of days plus soups but say a halloumi cheese costs £2.35 and is gone in no time even though I make a meal of it for us now with courgettes and bulgar wheat and yoghurt.

My veg patch is doing well and I am hoping that willl cut the cost of shopping over the summer, I have planted some kale for the winter which always helps too.

Hope you are all doing ok too

TallGirl

Well done Desperate Housewife and good luck with the new job. Sounds like your family is really on board which is nice. I agree fruit and veg has gone up and I too have a veg patch. I have started to make Caesar Salad with left over chicken, home made croûtons (stale bread otherwise thrown out) homegrown salad (free from garden) cucumber, bits of bacon and whatever else I can find. Risotto is great for using up bits of chicken too and cheap.

I am down to £6500 mortgage thanks to my mum but DH business is doing worse than ever so soon he will have to let 1 person go which means an end to holidays for the time being. Well at least it is still up and running and we shall be mortgage free by Christmas.

Trying_to_be_good

Woohoo - have accepted an offer on my house, so now need to definitely decide where we want to buy. We found a forever house, but it's a LOT of money and not totally ideally located, so are looking at other things and seeing what compromises we could make (or find something even better). Found a lovely house that's not been updated for a good few years so needs re-wiring, new boiler (and poss new central heating), new kitchen and bathrooms and I'd quite like to take down a couple of walls. Fortunately my BIL is an architect. Unfortunately, the asking price is already flippin' high, so not sure what spare cash there'd be to do all the work. It could be spread over the next few years, though. I'm thinking 'few' could be ten...

Trying_to_be_good

In getting ready to take on a HUGE mortgage, I've been de-cluttering and have listed 24 items on ebay. It's taken ages, and it's all listed for 99p to get the free listings. I can live without it all, so if it goes for pennies that's OK (so long as it's not raining when I have to lug it all down to the Post Office...). Or maybe this gorgeous sun will last all summer!

Just updated my sig for 1 Jun - I think I'll end up logging my final mortgage amount for this challenge for the day before I take out the mortgage. Still waiting on my BIL to give us some ballpark figures for the immediate work we'd like to do on the potential house, and want to put an offer in tomorrow. Nail biting stuff (well, it is for me!).

Happy sunny evening, everyone.

UPDATE - now 99p offers on 4 of the 24 ebay items, and one has mulitple bids, finishing next Sun (7 Jun)

TallGirl

Sounds like you are well on track to find your forever house Trying to be good. Also good luck with the ebaying it is so nice when you see those bods come in. I really must list some stuff to as you say it is free now so just to time wasted if they don't sell.

I feel we are so close to being MF I can almost taste it. I keep looking at the best ISA's etc in anticipation of being able to save instead of paying off the mortgage. Things are still tough for my DH's business as he is having to lay off his internal sales guy. That means he cannot really leave the office so week long holidays will become a thing of the past after this Summer but if it keeps them afloat I can live with it.

setmefree2

Good Luck with your plans Ttbg

benbenandme

My remortgage has gone through today, knocking my mortgage down to £46,000 :beer: and the term has officially been reduced to 15 years

Trying_to_be_good

Well done, benbenandme! So good to be able to see the impact of your overpaying.

My update - have accepted offer on my house, have had offer accepted on dream house, have agreement in principle for HUGE mortgage. So exciting and scary, all at once. And I have an interview for an internal job I want on Monday.

Awaiting the stuff through the post from the solicitor and lender, ready to fill in all the forms and search for all the information they want. I had a HIP, so I'm assuming some of it was in there, though I never looked at it myself...

Ebay: 24 items listed, 99p offers on 4 items, >99p on another 4 items (ends Sun 7 Jun)