We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Thistlewhistle 2014 - A Fresh Start
Comments
-
Thanks for the encouragement. Norfolkdream. I'm sort of battling on two fronts simultaneously as I'm overpaying on the mortgage and paying of CC debt at the same time.
I must consolidate that CC debt onto an empty card at 0% again. Half of it is at 0% at the moment but this expires on 25th February.
I know I'll be paying 3% (about £120) to do this but it'll be much cheaper in the long run as I can afford to pay off £4k in 3 months!!
That's the price I'm paying for not saving enough for the tax bill!!
On the positive side though, our holiday to Cornwall is not expensive as we're staying in free accommodation (friend's cottage) and OH's work have given him a little bonus which should cover the majority of the expenses.Mortgage at end 05/2007: £90200
Mortgage at end 08/2018: £71646 paid £18354 (20.5%)
MFD: :eek:Original:05/2042:eek:
Car Finance: £8225 : £6392 (22.2% paid off)
CC Debt (0% until 06/2020): £5640 : £4400 (21.7% paid off)
Age of Money at 31/08/2018 = 23 days
YNAB is changing the way I live my life....and spend my money!!0 -
I'm off to do the mortgage calculator thing to see what my new MF date is now I'm overpaying.Mortgage at end 05/2007: £90200
Mortgage at end 08/2018: £71646 paid £18354 (20.5%)
MFD: :eek:Original:05/2042:eek:
Car Finance: £8225 : £6392 (22.2% paid off)
CC Debt (0% until 06/2020): £5640 : £4400 (21.7% paid off)
Age of Money at 31/08/2018 = 23 days
YNAB is changing the way I live my life....and spend my money!!0 -
Woah!
That's just knocked 7 years 10 months off. That MF in July 2034. Still along way to go to beat my target of December 2021 (my 50th). I reckon I'll have to overpay by £700 / month:eek:Mortgage at end 05/2007: £90200
Mortgage at end 08/2018: £71646 paid £18354 (20.5%)
MFD: :eek:Original:05/2042:eek:
Car Finance: £8225 : £6392 (22.2% paid off)
CC Debt (0% until 06/2020): £5640 : £4400 (21.7% paid off)
Age of Money at 31/08/2018 = 23 days
YNAB is changing the way I live my life....and spend my money!!0 -
Evening Thistle, look forward to hearing the date - it's a significant OP each month
:)
Tilly x
ETA - almost 8 years off is truly:):) 2004 £387k 29 years - MF March 2033:eek:
2011 £309k 10 years - MF March 2021.
Achieved Goal: 28/08/15 :j0 -
Great stuff Thistle :T.
As of next month we'll have to pay over 3k a month to knock a month off :eek: so our date won't change much :rotfl:.A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort Mortgage Balance = £0
"Do what others won't early in life so you can do what others can't later in life"0 -
Great stuff Thistle :T.
As of next month we'll have to pay over 3k a month to knock a month off :eek: so our date won't change much :rotfl:.
How come GG?Mortgage at end 05/2007: £90200
Mortgage at end 08/2018: £71646 paid £18354 (20.5%)
MFD: :eek:Original:05/2042:eek:
Car Finance: £8225 : £6392 (22.2% paid off)
CC Debt (0% until 06/2020): £5640 : £4400 (21.7% paid off)
Age of Money at 31/08/2018 = 23 days
YNAB is changing the way I live my life....and spend my money!!0 -
Mortgage payment + rental income and Mr GG will be matching my OP's - so the overall 'normal' monthly payment will be around 3k :eek:.Thistlewhistle wrote: »How come GG?
ETA: !!!! me, that's a lot of money :rotfl:.A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort Mortgage Balance = £0
"Do what others won't early in life so you can do what others can't later in life"0 -
See told you it would be about 7 years, wasnt far off
Well done. MFW 16 No 33
2016 OP Paid/Target 2063/£2063 (100%) COMPLETE
Mortgage Free - Apr 2016 -DONE!:j0 -
Hi Thistle
Nice to see somebody else having a fresh start only a little ahead of mine. Hope it's going well so far. Starting again 13/4/19Home loan 1: £21,102.50 Home loan 2: £7,698.99Total owed: £28,801.49
0 -
Hi Thistle
Nice to see somebody else having a fresh start only a little ahead of mine. Hope it's going well so far.
Thanks Lois - nice to be getting back with the old crowd.:TMortgage at end 05/2007: £90200
Mortgage at end 08/2018: £71646 paid £18354 (20.5%)
MFD: :eek:Original:05/2042:eek:
Car Finance: £8225 : £6392 (22.2% paid off)
CC Debt (0% until 06/2020): £5640 : £4400 (21.7% paid off)
Age of Money at 31/08/2018 = 23 days
YNAB is changing the way I live my life....and spend my money!!0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352K Banking & Borrowing
- 253.5K Reduce Debt & Boost Income
- 454.2K Spending & Discounts
- 245K Work, Benefits & Business
- 600.6K Mortgages, Homes & Bills
- 177.4K Life & Family
- 258.8K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards