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A long slow journey to mortgage freedom

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Comments

  • greent
    greent Posts: 10,853 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Great news re getting below £240k! :D And well done on recent ebaying! :)


    x
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NIL
    Net sales 2024: £20
  • Firegirl
    Firegirl Posts: 1,007 Forumite
    Tenth Anniversary 500 Posts Name Dropper
    Thanks greent:0)
    Mortgage balance Feb 2015 start of MFW Journey-£245316.06/Aim to be mortgage neutral 2022 — Target for May 2024 14 Year Target Balance MF50 = £89,535 — Mortgage Balance £106, 000—Target for May 2024! £89,535

    Retirement Planning
    Starting Position (Jan 2024) : Pension 1-£165,000/Pension 2-£50,000/Pension 3-£9,500/ISA-£87,000/Total-£311,500
  • Firegirl
    Firegirl Posts: 1,007 Forumite
    Tenth Anniversary 500 Posts Name Dropper
    So were pitching a tent in the garden and my hubby and kids are camping tonight. The expert husband was having trouble with the tent and I was clearly the expert. My 7 year old says to me, how do you know so much about camping, I said well there were so many of us we couldn't afford hotels so we camped everywhere, and we had so much fun.

    Starting to regret my enthusiasm for camping today as I think there are gonna be a lot of cheap camping holidays this summer!!:rotfl: Up side is it'll be great family time and you really appreciate what you've got when you come back.......trying to convince myself!!!
    Mortgage balance Feb 2015 start of MFW Journey-£245316.06/Aim to be mortgage neutral 2022 — Target for May 2024 14 Year Target Balance MF50 = £89,535 — Mortgage Balance £106, 000—Target for May 2024! £89,535

    Retirement Planning
    Starting Position (Jan 2024) : Pension 1-£165,000/Pension 2-£50,000/Pension 3-£9,500/ISA-£87,000/Total-£311,500
  • Luckyinlife
    Luckyinlife Posts: 1,613 Forumite
    I love fishing i always stay out at the lake when i can for the night love it :]

    Maby you could do caravan holidays they are fun :] enjoy its wet and rainy here today :[
    Mortgage--- [STRIKE]£67700 March 15[/STRIKE] [STRIKE]£65221 April 15[/STRIKE] [STRIKE]£64983 July 15[/STRIKE] [STRIKE]£64780 sept 15[/STRIKE] Remortgage [STRIKE]£67295 oct 15[/STRIKE] [STRIKE]£66599 Nov 15[/STRIKE] [STRIKE]£65878.73 Dec 15[/STRIKE][STRIKE] £64834 1st Jan 16[/STRIKE] [STRIKE]Feb 16 £64,511.89[/STRIKE][STRIKE] March 16 £64,056.40[/STRIKE] [STRIKE]April 16 £62550[/STRIKE] [STRIKE]May 16 £62,396.20[/STRIKE] Feb 17 £60.800
    Emergency fund 23k
  • Firegirl
    Firegirl Posts: 1,007 Forumite
    Tenth Anniversary 500 Posts Name Dropper
    So went for a trip today. Made it a sort of MSE day by bringing a picnic.

    Unfortunately my kids are now at the stage of wanting something when I get even a take away coffee, so I got stung for 2 hot chocs.

    Also got stung for a toy each in gift shop. Another £4 down but it's the daft wee things they buy remind them of the fun day I think.

    Day out still cheaper than putting them to holiday club and me going to work and you really can't put a price on a fun day out with your kids. They grow so fast!!!
    Mortgage balance Feb 2015 start of MFW Journey-£245316.06/Aim to be mortgage neutral 2022 — Target for May 2024 14 Year Target Balance MF50 = £89,535 — Mortgage Balance £106, 000—Target for May 2024! £89,535

    Retirement Planning
    Starting Position (Jan 2024) : Pension 1-£165,000/Pension 2-£50,000/Pension 3-£9,500/ISA-£87,000/Total-£311,500
  • cookie9
    cookie9 Posts: 764 Forumite
    Part of the Furniture 500 Posts Combo Breaker
    Sounds good fun. Have you thought about taking a flask and some juice for you and the kids when you are out? This is what I am trying at the moment. If all else fails weatherwise we can always have a picnic in the car!
    MFW 91 op 2014 £410/1000
    MFW 91 op 2015 £4051/4000
    MFW 91 op 2016 £4040/4000
    MFW 91 op 2017 £812/4500
  • Firegirl
    Firegirl Posts: 1,007 Forumite
    Tenth Anniversary 500 Posts Name Dropper
    Thanks for popping by cookie9.

    Yes I maybe need to invest in a wee flask. Would save me £6 odd a day trip at this rate!!!

    So today I used my Cash back card to pay for a work lunch.... So now the aim is to not spend cash in my wallet!!!! Need to pay a cash bill later in week that I would have had to take the money out of my account. Probably a bit much effort for 1% cash back!!! Which reminds me I should look for a card with a better cash back rate.
    Mortgage balance Feb 2015 start of MFW Journey-£245316.06/Aim to be mortgage neutral 2022 — Target for May 2024 14 Year Target Balance MF50 = £89,535 — Mortgage Balance £106, 000—Target for May 2024! £89,535

    Retirement Planning
    Starting Position (Jan 2024) : Pension 1-£165,000/Pension 2-£50,000/Pension 3-£9,500/ISA-£87,000/Total-£311,500
  • Alchemilla
    Alchemilla Posts: 6,276 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Never take a packed lunch, always take a picnic!
  • Firegirl
    Firegirl Posts: 1,007 Forumite
    Tenth Anniversary 500 Posts Name Dropper
    Picnics are so much more fun than packed lunches!!!!!

    So checked my mortgage balance today and it has updated!!!!!! I'm actually so excited!!!
    Mortgage balance Feb 2015 start of MFW Journey-£245316.06/Aim to be mortgage neutral 2022 — Target for May 2024 14 Year Target Balance MF50 = £89,535 — Mortgage Balance £106, 000—Target for May 2024! £89,535

    Retirement Planning
    Starting Position (Jan 2024) : Pension 1-£165,000/Pension 2-£50,000/Pension 3-£9,500/ISA-£87,000/Total-£311,500
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Firegirl wrote: »

    So checked my mortgage balance today and it has updated!!!!!! I'm actually so excited!!!
    :rotfl: I'd say you need to get out more, but that costs money so just stay where you are and admire your shrinking balance :T.
    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"
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