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smallholdingsister's strivings
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And Puppylove rolled in badger poo.0
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smallholdingsister wrote: »I think I know the answer but...is there any advantage to paying money off the mortgage rather than putting it in the offset account?
There is for me! Seeing the amount decrease was (and still is) so important for me, even if 'all' I did was Tilly Tidies. When we reached mortgage neutral, I was a little lost for a while, but after discussion and decision re investing, dh has taken a lump of the offset to 'play with'. So we'll now have to pay interest again :rotfl:. I have my target back in my sights...
Decide what you want to do. Are you longing to get the total starting with a 2? (I can imagine you all moving in with Ponyplops to make space for all the airbnb-ers who descend on you.)NST March lion #8; NSD ; MFW9/3/23 Whoop Whoop!!!0 -
smallholdingsister wrote: »I think I know the answer but...is there any advantage to paying money off the mortgage rather than putting it in the offset account?
Only the 'mental' advantage if you need it of the actual balance decreasing. Otherwise, no. (I'm one who needed to see it decrease:o)I am the master of my fate; I am the captain of my soulRepaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NILNet sales 2024: £200 -
Its just that therecis security in putting it in an emergency fund.
Whats the going rate for grass keep? Ponies.0 -
smallholdingsister wrote: »Whats the going rate for grass keep? Ponies.
What does grass keep mean?2023: the year I get to buy a car0 -
Grazing for hosses. Rather brilliantly we might have THREE (albeit temporary) liveries lined up.0
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Origin broadband...can only offer us 0.1 mb upload...after we sign the contract.0
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Brillant re the grass liveries.
About £20 to £25 around here..... have you thought about offering a retirment livery or two? Those are really popular in this area...basically you do all the work but the bonus being you get a (probably) much loved and nice elderly or two or three to potter about, keep the grass down and keep yours company ..without the human. I always feel the humans at livery are more of a problem than the equines
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 !!0 -
You are so right. With retirement I would worry more that the human would decide to stop paying as the neddy isn't worth anything.0
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yes that might be a concern. Good contract? And a hard heart?smallholdingsister wrote: »You are so right. With retirement I would worry more that the human would decide to stop paying as the neddy isn't worth anything.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 !!0
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