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Mortgage free by 2023 (!)

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Comments

  • debtfreeoneday
    debtfreeoneday Posts: 5,013 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    edited 20 March 2021 at 4:16PM
    Focus group didn’t materialise which was a bit frustrating. 

    But in better news, I called our lease car company to check when we had to do the MOT and I mentioned we are well down on mileage due to Covid lockdowns so they are sending out a revised quote for the rest of the contract.  Plus we don’t have to do the service / MOT till June so a bit of a reprieve there. Have booked it in though for an oil change so a little expense coming our way.

    Had a half human online chat with Tax credits last night as our payments are Reducing in April quite a bit and I’ve no idea why. Long story short, they are estimates so I’ll know more early April. 

    Also traded some books with zifit, so have a payment coming my way next week!
     
    Longer time readers here will know our house had been on and off the market like a yo-yo in the last two years, been sold twice and then we haven’t proceeded due to pandemic and just a general ‘not feeling it’. We got a whiff the field we back on is likely to have planning applied for it in a few years. Really gutted about it. At the minute it’s just tattle, but the source I do trust so we are going to probably go back on the market again. It was always going to happen at some point and considering our county is popular right now and that no official applications have been made, we will get the best price we can now. So watch this space I guess. Usual considerations of whether we downsize a little / but wisely so that the mortgage can be paid off need to factor. 

    With that I’m off to the greenhouse for a bit. Need to repot some seeds the cat decided to upend from the kitchen windowsill in the night!
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Oof, all a bit touch and go for you, debtfree - re the focus group, I've only ever done one - when I still worked in London every Friday, I went to one on the banking sector just north of the City.  Sat in a circle blathering, mostly about Martin Lewis  :D and got paid £50 in cash, it was great  :D  Hope another one comes your way soon.
    2023: the year I get to buy a car
  • debtfreeoneday
    debtfreeoneday Posts: 5,013 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Pretty uninspiring looking at Rightmove yesterday. Tricky to know what market we are looking at until we get this valued again. 

    No real plans today, pottering and some weeding and sorting in the garden maybe. 
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • debtfreeoneday
    debtfreeoneday Posts: 5,013 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Had to smile this week about a survey talking about how lack of socialisation during lockdown has affected the dog!!!
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Poor wuff-dog!  Moving house seems to be very hit and miss during the pandemic - couple of nephews have experience of searching in the last year, one abandoned it, the other is still researching.  Are you experimenting with changing parameters?
    2023: the year I get to buy a car
  • debtfreeoneday
    debtfreeoneday Posts: 5,013 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Yes KC, expanded areas and twiddled with different things. I don’t think we are really that fussy but whenever we move here or indeed when we moved to this place we have always struggled to find places we like. Always ending up with a gem at the last minute though so maybe the same will happen here. 
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • debtfreeoneday
    debtfreeoneday Posts: 5,013 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    1poll £25 payment hit the bank so sent mostly to the savings account.  Tipped me over £100 free money this month so that’s good. 
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • Suffolk_lass
    Suffolk_lass Posts: 10,397 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Blimey that's impressive! How much time does it take you?
    Save £12k in 2025 #2 I am at £9586.01 out of £6000 after August (158.45%)
    OS Grocery Challenge in 2025 I am at £2226.88/£3000 or 74.23% of my annual spend so far
    I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
    My new diary is here
  • South_coast
    South_coast Posts: 5,955 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    You are whipping my *rse this month DFOD - I'm only on £55 😮! Great going!
    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
  • debtfreeoneday
    debtfreeoneday Posts: 5,013 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Blimey that's impressive! How much time does it take you?
    I’m aiming for £1500 this year so usually get close to or over £100 each month..
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
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