Mortgage free by 2023 (!)

shangaijimmy

debtfreeoneday wrote: »

I agree SJ, but in reverse, I think us [STRIKE]MFW's [/STRIKE]obsessive freaks also provide a reality check the other way as you say to reign in spending and think about what is purchased.

I see what you mean, and i suppose it works both ways, I know i have to time it right to speak to and show Mrs SJ our account and spreadsheets otherwise i just get called a load of names!!!!

shangaijimmy

Ali - mine isn't pretty! But allows me to colour in, then type a date on the spreadsheet, and then reprint/replace every year or after DS2 takes it down to draw on!!

Ali-OK

It's better than mine, which had a flat roof :rotfl: Now converted yours to my figures and dates - thank you!

amycool

Good decision on the camping trip and excellent progress on the credit card!

I sometimes wonder where my husband would be financially if he'd never met me. I can totally imagine he'd still be renting with no savings. :rotfl: He's not extravagant, he just spends whatever money is in his pocket.

debtfreeoneday

shangaijimmy wrote: »

I see what you mean, and i suppose it works both ways, I know i have to time it right to speak to and show Mrs SJ our account and spreadsheets otherwise i just get called a load of names!!!!

:rotfl:

Ali-OK wrote: »

It's better than mine, which had a flat roof :rotfl: Now converted yours to my figures and dates - thank you!

I've drawn one based on yours SJ so I can actually colour it in each month and it's now pinned to the fridge - we own the chimney and roof!

debtfreeoneday

Anyone got the Sant@nder 1-2-3 account - really tempted to change..

shangaijimmy

I've considered it, and probably will shift as it does make sense. At the minute i'm just consolidating from our major banking upheaval in the New Year, and making sure my heads fully sure about having 6 current accounts!

debtfreeoneday

Ali-OK wrote: »

Enjoying your diary and willing you on to CC freedom . It's hard work balancing paying more off mortgage and the CCs - you are doing really well. I was in that place last year.

Will continue to follow your journey if I may, similar amount of mortgage to get rid of and am trying to increase the mortgage free years to increase retirement savings.

Going to nose at SJ's bricks too...I've got an excel sheet made into a very square house that I colour (or fill), something prettier would be nice

I've just noticed my response to this didn't post! Thank you for reading and you are more than welcome to follow me, I will go and find you as well!

debtfreeoneday

shangaijimmy wrote: »

I've considered it, and probably will shift as it does make sense. At the minute i'm just consolidating from our major banking upheaval in the New Year, and making sure my heads fully sure about having 6 current accounts!

I started doing the application yesterday and stopped. You get £35 cashback for doing it from t0pcashback, but I wasn't sure if benefits automatically transferred and I just worry it will be a major headache even though they say not. I'll see if I can find the answer and if it automatically does that, I will transfer. as you say SJ, it does make sense

debtfreeoneday

Well it's shaping up to be a wet soggy Thursday, off out again before our relatives leave later on today, though not sure what to do.. swimming first though!

Holiday refund has come through, but I'm not going to update my CC2 figure until the end of August in respect of that.