Thistlewhistle makes a dash for Mortgage Freedom!

Lois_E

Hi Thistlewhistle and welcome to MFW :wave:

You sound like you have a plan. Well done on getting your OH on board.

My advice is post frequently, read some other people's diaries (mine is here BTW) but not all of them (or you'll have no time to earn any money to OP) and track all possible mortgage-related numbers with spreadsheets and graphs to maintain motivation (but only if spreadsheets are your thing, of course).

Good luck for the journey ahead.

Thistlewhistle

Hi Lois,

Thanks for that. Ill search you out!!
Spreadsheets are definitely my thing. I totally love them. I'm so sad but hey if it helps!!!

Thanks for dropping by.

Custard Cream with your tea?

Thistlewhistle

When I said April 2013 I meant it, but just remembered the credit card debt I have. That'll have to go first. It's currently £3,449 but I've got some money to throw at that now, and some of it is our holiday to Rome, which I've paid for the tickets and hotel for the whole party so I'm owed their share back now. That's currently about £500

Ill get them sorted and then the mortgage attack will begin.

I'm lucky with my mortgage as I can overpay without penalty and borrow back if times get tough. Ideal!!!

Thistlewhistle

The mortgage outstanding stated at £88,466 is 12 months out of date so ill need to update when I get a current balance.

Does anyone know if you can log in to NRAM to keep an eye on things?

Lois_E

Thistlewhistle wrote: »

Hi Lois,

Thanks for that. Ill search you out!!
Spreadsheets are definitely my thing. I totally love them. I'm so sad but hey if it helps!!!

Thanks for dropping by.

Custard Cream with your tea?

Cool! You'll fit right in here. There are plenty of us spreadsheetaholics in MFW. Well done on making yourself a shiny new sig with lots of numbers in it.

Custard cream sounds lovely thanks. Help yourself to a jammy dodger and a cuppa when you visit my thread.

Secret_Saving_Squirrel

Hello,

You sound very focused and well done for getting on track whilst still relatively young. I agree, there is nothing like realising how much the banks are making out of us to give a wake up call.

Very good wishes,

Squirrel

Thistlewhistle

Secret_Saving_Squirrel wrote: »

Hello,

You sound very focused and well done for getting on track whilst still relatively young. I agree, there is nothing like realising how much the banks are making out of us to give a wake up call.

Very good wishes,

Squirrel

Thanks Squirrel....especially for the "YOUNG" bit:rotfl::rotfl::rotfl:

gallygirl

What's all this fuss about spreadsheets? What's wrong with a pen and piece of paper :cool:. (Joke )

Welcome and good luck :T

Thistlewhistle

gallygirl wrote: »

What's all this fuss about spreadsheets? What's wrong with a pen and piece of paper :cool:. (Joke )

Welcome and good luck :T

I'm less likely to lose a spreadsheet!!! But I take your point, gallygirl!:rotfl:

elantan

Thistlewhistle wrote: »

No! Do tell!!

Well ... Tilly tidies are so named after their creator Tilly ( fantastic diary if your looking for a read ... So is GG's,Natty's ,froggy's, Skints ... In fact there are so many I could fill a few posts just with recommendations )

It is the way of tidying up your accounts by rounding down to the nearest pound, say you have a direct debit coming out of your account for £56.45 you would Tilly tidy 55p making it up to £57 having all of your accounts nice and neat, I use my cards to pay for things, so if I'm spending £18.99 on something I Tilly tidy 1p over to my mortgage, it's a brilliant way of keeping you focussed without the added pressure of trying to find extra money which you might not have, it has made a great difference to me, not only financially but also psychologically.