I want to be Debt and Mortgage Free by 35!

lorriedriver1988

I have just been playing around with the MOP calculator on the H@lifax website. If we want to clear the mortgage before I reach my 35th birthday in 2023 we will need to OP £750 a month on top of our monthly payment of £298. I think it is doable once all the debt is cleared. With this in mind, there is a real incentive for us to push ourselves a bit more to pay off the debt before December.

I have also been browsing Spanish properties for sale on rightmove. I really fancy the idea of having a holiday home somewhere sunny. It would be great as the boys are growing up. Its food for thought

I'm looking into possibly getting a NT annual membership, as I really want us to spend more time together as a family. It would be a one off of £111 or £9.25 a month but if we used it every weekend and used it for days out in the holidays it would be worth every penny. Decisions decisions.

Does anyone have an NT pass and do they think its worth the money?

PurpleFairy26

We have NT passes and have had for a number of years. They are well worth your money if you live near a property or properties you can get to easily. If you can't and there's a serious drive to each one, I don't think you would. We use our local one loads and others a bit more of a drive when we fancy a change. When we go on holiday in uk we always use it too, even just to call in and have a picnic en-route. So much more picturesque than motorway services :rotfl: I'd just check out cashback sites before you buy your first year as there is often 20% or so cashback available if you time it right. HTH

PF

lorriedriver1988

PurpleFairy26 wrote: »

We have NT passes and have had for a number of years. They are well worth your money if you live near a property or properties you can get to easily. If you can't and there's a serious drive to each one, I don't think you would. We use our local one loads and others a bit more of a drive when we fancy a change. When we go on holiday in uk we always use it too, even just to call in and have a picnic en-route. So much more picturesque than motorway services :rotfl: I'd just check out cashback sites before you buy your first year as there is often 20% or so cashback available if you time it right. HTH

PF

Thankyou Purple Fairy for your advice. I did a search on the NT website for NT sites in Gloucestershire and surrounding counties. There are quite a few in this area and near where DM lives that I would love to visit. I think it would be a wise investment, I will keep an eye on cashback websites to offset the cost.

lorriedriver1988

Thought I would make a list on here of all the house stuff I would like to buy. These items will need to be bought using vouchers, points or saved up for:

1. Bathroom cabinet (saving up for atm)
2. 2 x blinds for downstairs toilet and hall way- will try and use vouchers
3. Armchair- save up for.
4. New Toaster- use vouchers
5. New Kettle- use vouchers
6. Fence Paint- use vouchers/save up for
7. New Bedding- use vouchers

lorriedriver1988

Evening everyone,

Update time....

* Try my hardest to get Help to Buy savings for April to +£12.28 WAS £322.41/£530.00 NOW £334.69/£530.00
* Get car loan from £2093.93 to £1600 NOW 1918.93
* Save £50 into mortgage overpayment regular savings. +71p WAS £8.24/£50 NOW: £8.95/£50.00
* Increase emergency savings - £90 WAS £202.00/£1000.00 NOW £112.00/£1000.00
* Increase car maintenance fund. +£2 £75.00/£900.00

I had to take money from the emergency fund this last week due to needing an emergency repair on a door by locksmith which cost £90 :mad: I am hoping to replenish plus increase the emergency fund asap. I have sold a few things on bay of e. I have also sold DS3's crib for £51 and a unused cot we were gave for £10. I haven't put this in savings atm as I haven't fully decided how to split it. I received £5 pp from swags a couple of days ago, plus another £3 payment from survey site.

MSE Things for today- 17/04/2016

* Completed all surveys available
* Listed 6 items on the bay of e
* Washing on airers
* TT'd joint account.
* Cashed out on SB
* Cashed out on MS

Night all.