I really really want to be........mortgage free!

zcrat41

Hi OCC,
How time consuming do you find home start? I'm quite keen to give it a go!

ourcornercottage

zcrat41 wrote: »

Hi OCC,
How time consuming do you find home start? I'm quite keen to give it a go!

I did a 10 week course, half days. Once you are assigned a family it is 2-3 hours a week for 12 months. I go for 2 hours every Wednesday morning. It really isn't much time at all once the training is done and it makes a lot of difference.

ourcornercottage

Another diary gave me an interesting thought. I would like to be rid of mortgage by end of 2024. 10 years after starting this diary. From today this is 3041 days.

At current rates/interest/repayment that would require I pay approx £45 per day or about £1350 per month. Obviously this is back of the fag packet calculations and also as the capital drops interest goes down reducing this over time, and ip if rates go ip obviously!

It does mean that I will need to up my capital reductions per month to achieve this date and my target of £1333 isn't far out for now.

It will be interesting to see what my target will need to be for 2017 I should imagine a similar amount as I have not hit the £1333 pm capital reduction many times in 2016 so far.

I am though, saving loads more than I previously had and some of it is earmarked for OPing at the end of the regular saver so will be a bonus OP of £2400 at the end of the year which will put us on track if I actually OP it as saving is a bit addictive too

AlexLK

ourcornercottage wrote: »

Thanks x 3!

£1000 capital reduction per month used to be my dream pre MSE now it's the norm most months.

Sometimes we all need a little reminder of just how far we've come, even on the worse months

£1000 capital reduction is brilliant. IIRC this is about £500 in overpayment per month for you which is a fantastic amount.

ourcornercottage wrote: »

I did a 10 week course, half days. Once you are assigned a family it is 2-3 hours a week for 12 months. I go for 2 hours every Wednesday morning. It really isn't much time at all once the training is done and it makes a lot of difference.

I looked at the website and IIRC you're helping families to prep their children for school? Is it teaching children basic counting / phonics type things or is there a bit more to it?

ourcornercottage

AlexLK wrote: »

£1000 capital reduction is brilliant. IIRC this is about £500 in overpayment per month for you which is a fantastic amount.



I looked at the website and IIRC you're helping families to prep their children for school? Is it teaching children basic counting / phonics type things or is there a bit more to it?

It may involve a bit of this together with play but for most it's much more basic stuff. Eating and toilet, socialisation, uniforms, getting them in school!

Many families have issues, many parents have issues. They need a hand to get on top of things.

Think more befriender/mentor/helper than teacher

AlexLK

Sounds like you're doing a good job, OCC. I hope the families appreciate your work.

ourcornercottage

AlexLK wrote: »

Sounds like you're doing a good job, OCC. I hope the families appreciate your work.

Thanks Alex, I am sure that they do

I have been thinking, Although I have given up on the surveys etc I still do the Amazon Reviews. I want to improve my review style a little, I generally only review things I really want and need, I also only review stuff that looks good quality in the first place. I generally test for 1-2 weeks depending upon what it is then write the review.

A lot of the things I struggle to write very much as I don't really like waffle in reviews I tend more to go for facts on what its like then value for money.

I don't get loads of helpful votes but i dont know if its because I dont often review books or tech that tend to get them or because I always put a disclaimer on my reviews as I only think that is fair. Helpful votes get you up the rankings and some people seem to write lazy reviews with very little info and get votes (I do wonder if they have multiple accounts and vote for themselves!)

If anyone has 5 minutes could I get any constructive feedback to improve my style, this is my profile.

https://www.amazon.co.uk/gp/profile/ACLRVEGBVS7F1?ie=UTF8&ref_=sv_ys_3

Thanks all

newgirly

Reviews look clear and helpful to me

bunty109

OCC - the only thing I'd say is perhaps there's too much in your titles: I'd not need to click to read the rest of the review as you've summarised things so well. Maybe that could hinder helpful votes? :huh:

Otherwise they're great - love the bullet points. Very clear.

ourcornercottage

bunty109 wrote: »

OCC - the only thing I'd say is perhaps there's too much in your titles: I'd not need to click to read the rest of the review as you've summarised things so well. Maybe that could hinder helpful votes? :huh:

Otherwise they're great - love the bullet points. Very clear.

Oh thanks thats a good tip I will try that on the next review I write later tonight.