Thanks so much for your update on your holiday and your thoughts on returning. I am so glad you loved it! It inspired a wee island holiday for us which was great, we loved it - thank you for evoking a spirit of adventure in me.
You probably know that for many years I wanted to live on the Scottish island we currently look over too. Until we moved here and I learnt more about Island life - now I am so happy we don't - loads of reasons, but mainly quality of life and opportunities for the children. I can elaborate and give examples if you like but I still live by the beach in beautiful scenery with the islands so close ..for me its the best of both worlds, BUT if its FOR you, its FOR you. Follow your instincts!
15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House:www: Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again :j
Seriously I've got a Norwegian friend and it's the lack of daylight that gets to people. They find it very depressing.
Right now I am finding that island a very appealing prospect
Made it to mortgage free but what a muddle that became In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
Fear not, we're not about to up sticks for Shetland as much as it's an ace dream. We are seriously rethinking the whole city living thing though and looking at moving to the sea. There's a lot we'd need to get in place before then mostly getting ebay up to proper income levels and/or boosting savings for passive income and/or reducing the mortgage, that sort of thing. I guess I could go back into teaching to secure a new mortgage but quite honestly I'd rather stay where we are than ever set foot in a classroom again.
I've registered with FuuundingCirccccle today but am still gearing up to actually make an investment. I'm slightly put off by the number of building firms and property companies on there but that's obviously linked to my experience of living in an area with quite a lot of not especially good landlords.
I've also been spending loads of time reading blogs. New favourites are Budgets Are Sexy and FiFighter. Are there any decent UK based PF blogs that anyone can recommend?
Done about 12 hours tuition this week. It's good to be busy but better to be on a beach watching the man you love explore rockpools with your children. Sigh
"What we're talking about here is money and the freedom it gives you... freedom from worry and freedom from most forms of BS" MMM
Mortgage 1: [STRIKE]£95,000[/STRIKE] £83,848.23 at 3.1%
Mortgage 2 (BTL): £83, 489.15 at 4.8% (I.O.)
Family loan: [STRIKE]£15,000[/STRIKE] £6,000
Long term savings/investments: FundCirc £100 7.1%, Saver account at 5% £500
7 bin bags of clothes out - my stuff to charity and baby stuff passed on. Feeling quite ruthless with all this clutter. Am gonna donate the majority then look to sell a few items.
6 hour walk with the lads today - I'm such a mean mummy DS2 is one of those energetic children and really needs long runs out or he starts destroying the furniture, a bit like my mum's old dog actually!
"What we're talking about here is money and the freedom it gives you... freedom from worry and freedom from most forms of BS" MMM
Mortgage 1: [STRIKE]£95,000[/STRIKE] £83,848.23 at 3.1%
Mortgage 2 (BTL): £83, 489.15 at 4.8% (I.O.)
Family loan: [STRIKE]£15,000[/STRIKE] £6,000
Long term savings/investments: FundCirc £100 7.1%, Saver account at 5% £500
I really wish I had taken more time tomdomthe rock pool things with my children when they were young, but financially it wasn't possible because we were so incompetent with our money. If we had been more sensible we could have achieved it easily as we had enough money. You are more clued up, so go for it!
Paid off mortgage nine years early in 2013. Now picking and choosing our work to fit in with the rest of our lives!
Still thrifty though, after all these years:D
I remember you from days gone by too. Used to love your posts!!
I've reinvented myself a couple of times too. Back with a vengeance now.
Just read your thread from the beginning. Mind if I tag along?
Thistle x
Mortgage at end 05/2007: £90200 Mortgage at end 08/2018: £71646 paid £18354 (20.5%) MFD: :eek:Original:05/2042:eek: Car Finance: £8225 : £6392 (22.2% paid off)
CC Debt (0% until 06/2020): £5640 : £4400 (21.7% paid off)
Age of Money at 31/08/2018 = 23 days
YNAB is changing the way I live my life....and spend my money!!
another old follower who has been updated with your current whereabouts
Lovely to read about your plans and the holiday, exactly what i needed to read today, and has given me a pretty big kick up the backside. look forward to further updates.
Thanks all! Nice to have some old names reappearing too!
Quietish weekend, just 2 hours tuition done but that still puts us up £50. DH has listed lots of personal stuff on eBay too.
DS3's birthday tomorrow - 2 already! As the youngest brother of 3 he needs absolutely nothing, not even clothes, so I'm making him some stick people. Basically just some sticks that I gathered on a walk in the woods with them this morning which I'll turn into characters using bits of wool and fabric and some glued on eyes. I'll wrap up obviously and we can have a puppet show with them! DH is baking a chocolate cake for him, house smells gorgeous!
"What we're talking about here is money and the freedom it gives you... freedom from worry and freedom from most forms of BS" MMM
Mortgage 1: [STRIKE]£95,000[/STRIKE] £83,848.23 at 3.1%
Mortgage 2 (BTL): £83, 489.15 at 4.8% (I.O.)
Family loan: [STRIKE]£15,000[/STRIKE] £6,000
Long term savings/investments: FundCirc £100 7.1%, Saver account at 5% £500
Replies
Thanks so much for your update on your holiday and your thoughts on returning. I am so glad you loved it! It inspired a wee island holiday for us which was great, we loved it - thank you for evoking a spirit of adventure in me.
You probably know that for many years I wanted to live on the Scottish island we currently look over too. Until we moved here and I learnt more about Island life - now I am so happy we don't - loads of reasons, but mainly quality of life and opportunities for the children. I can elaborate and give examples if you like but I still live by the beach in beautiful scenery with the islands so close ..for me its the best of both worlds, BUT if its FOR you, its FOR you. Follow your instincts!
Progress not Perfection
Right now I am finding that island a very appealing prospect
In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
Hmm, no chance of my inlaws dropping in unexpectedly , whats the agents number? :rotfl:
I've registered with FuuundingCirccccle today but am still gearing up to actually make an investment. I'm slightly put off by the number of building firms and property companies on there but that's obviously linked to my experience of living in an area with quite a lot of not especially good landlords.
I've also been spending loads of time reading blogs. New favourites are Budgets Are Sexy and FiFighter. Are there any decent UK based PF blogs that anyone can recommend?
Done about 12 hours tuition this week. It's good to be busy but better to be on a beach watching the man you love explore rockpools with your children. Sigh
Mortgage 1: [STRIKE]£95,000[/STRIKE] £83,848.23 at 3.1%
Mortgage 2 (BTL): £83, 489.15 at 4.8% (I.O.)
Family loan: [STRIKE]£15,000[/STRIKE] £6,000
Long term savings/investments: FundCirc £100 7.1%, Saver account at 5% £500
6 hour walk with the lads today - I'm such a mean mummy
Mortgage 1: [STRIKE]£95,000[/STRIKE] £83,848.23 at 3.1%
Mortgage 2 (BTL): £83, 489.15 at 4.8% (I.O.)
Family loan: [STRIKE]£15,000[/STRIKE] £6,000
Long term savings/investments: FundCirc £100 7.1%, Saver account at 5% £500
OH and I feel the same about taking more time to enjoy the boys and where we live, our families, the world... No one is going to do it for us!
Progress not Perfection
Still thrifty though, after all these years:D
I remember you from days gone by too. Used to love your posts!!
I've reinvented myself a couple of times too. Back with a vengeance now.
Just read your thread from the beginning. Mind if I tag along?
Thistle x
Mortgage at end 08/2018: £71646 paid £18354 (20.5%)
MFD: :eek:Original:05/2042:eek:
Car Finance: £8225 : £6392 (22.2% paid off)
CC Debt (0% until 06/2020): £5640 : £4400 (21.7% paid off)
Age of Money at 31/08/2018 = 23 days
YNAB is changing the way I live my life....and spend my money!!
Lovely to read about your plans and the holiday, exactly what i needed to read today, and has given me a pretty big kick up the backside. look forward to further updates.
Quietish weekend, just 2 hours tuition done but that still puts us up £50. DH has listed lots of personal stuff on eBay too.
DS3's birthday tomorrow - 2 already! As the youngest brother of 3 he needs absolutely nothing, not even clothes, so I'm making him some stick people. Basically just some sticks that I gathered on a walk in the woods with them this morning which I'll turn into characters using bits of wool and fabric and some glued on eyes. I'll wrap up obviously and we can have a puppet show with them! DH is baking a chocolate cake for him, house smells gorgeous!
Mortgage 1: [STRIKE]£95,000[/STRIKE] £83,848.23 at 3.1%
Mortgage 2 (BTL): £83, 489.15 at 4.8% (I.O.)
Family loan: [STRIKE]£15,000[/STRIKE] £6,000
Long term savings/investments: FundCirc £100 7.1%, Saver account at 5% £500