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New Diary, New Start-mortgage be gone

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Comments

  • tattycath
    tattycath Posts: 7,175 Forumite
    Part of the Furniture 1,000 Posts
    Stressing today. Feeling teary and stuff. Can't seem to shake it off today. :o:(
    Need to be strong.
    Just got to try and throw myself into my work or something.
    GE 36 *MFD may 2043
    MFIT-T5 #60 £136,850.30
    Mortgage overpayments 2019 - £285.96
    2020 Jan-£40-feb-£18.28.march-£25
    Christmas savings card 2020 £20/£100
    Emergency savings £100/£500
    12/3/17 175lb - 06/11/2019 152lb
  • Ohh cath
    Ya try keep busy always helps me

    pay a tilly tiddy off the mortgage will cheer you up a wee bit :]
    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
  • tattycath
    tattycath Posts: 7,175 Forumite
    Part of the Furniture 1,000 Posts
    Ohh cath
    Ya try keep busy always helps me

    pay a tilly tiddy off the mortgage will cheer you up a wee bit :]

    I'm hoping to be able to hit my EF tomorrow! :)
    GE 36 *MFD may 2043
    MFIT-T5 #60 £136,850.30
    Mortgage overpayments 2019 - £285.96
    2020 Jan-£40-feb-£18.28.march-£25
    Christmas savings card 2020 £20/£100
    Emergency savings £100/£500
    12/3/17 175lb - 06/11/2019 152lb
  • tattycath wrote: »
    Hi, that's for stopping by. :) :wave:
    Are you familiar with Tilly tidies? Tilly has a diary on the mortgage free wannabe board and we all stole her idea. Lol if ( for example) you have £437.22 I your current account, you move the oddments into savings. This would mean you've saved an extra 22p and Tilly tidied your current account. If I an afford it, I would move the £7.22 into savings and I call this a Tilly tidy deluxe! :D
    Tilly explains it much better than I do. It's a great way of inching your savings up with little effort. :)
    I checked and I haven't been given the offer for listings. :( never mind, I will get some more up anyway. Thanks for the heads up though, I will keep checking.
    :)


    I have heard of Tilly Tidies but not came across the explanation in Tilly's diary yet. I took it to mean; tidy your bank accounts and o/p your mortgage, and to actually tidy down the mortgage account, say I had 136.648.00 balance on mortgage, then I would "tidy" £149.00 making new balance 136,499 - (I always try to make it £1 less than the £500) this was just my take on it, but you have put me to rights, thanks.:)


    As for the bay offer, they don't seem to email/announce the new offers, its normally just at the bottom of the page where you see your 20 free listings for the month.;)
    Always have 00.00 at the end of your mortgage and one day it will all be 0's :dance:
    MF[STRIKE] March 2030[/STRIKE] Yes that does say 2030 :eek: Mortgage Free 21.12.18 _party_
    Now a Part Timer from 27.10.19
  • tattycath
    tattycath Posts: 7,175 Forumite
    Part of the Furniture 1,000 Posts
    I have heard of Tilly Tidies but not came across the explanation in Tilly's diary yet. I took it to mean; tidy your bank accounts and o/p your mortgage, and to actually tidy down the mortgage account, say I had 136.648.00 balance on mortgage, then I would "tidy" £149.00 making new balance 136,499 - (I always try to make it £1 less than the £500) this was just my take on it, but you have put me to rights, thanks.:)


    As for the bay offer, they don't seem to email/announce the new offers, its normally just at the bottom of the page where you see your 20 free listings for the month.;)

    Yes, Tilly does explain Tilly tidies better than me, but at least you're on the right track now. ;)
    Yes, I keep checking the bay and the bottom of my listing 'entitlements' but still nothing as yet. :(
    GE 36 *MFD may 2043
    MFIT-T5 #60 £136,850.30
    Mortgage overpayments 2019 - £285.96
    2020 Jan-£40-feb-£18.28.march-£25
    Christmas savings card 2020 £20/£100
    Emergency savings £100/£500
    12/3/17 175lb - 06/11/2019 152lb
  • tattycath
    tattycath Posts: 7,175 Forumite
    Part of the Furniture 1,000 Posts
    Well, I've done it! I've broken the 2k barrier! :j :j :j
    So now my next target is 4k. I need to update my signature. :D
    GE 36 *MFD may 2043
    MFIT-T5 #60 £136,850.30
    Mortgage overpayments 2019 - £285.96
    2020 Jan-£40-feb-£18.28.march-£25
    Christmas savings card 2020 £20/£100
    Emergency savings £100/£500
    12/3/17 175lb - 06/11/2019 152lb
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    YAY!! :T:T:T:beer::beer::j:D
    MFiT-T4 Member No. 96 - 2022 is my MF goal :D
    Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
    Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T
  • tattycath wrote: »
    Well, I've done it! I've broken the 2k barrier! :j :j :j
    So now my next target is 4k. I need to update my signature. :D

    Woop woop well done cath :] youll smash that 4k you watch :] :beer:
    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
  • tattycath
    tattycath Posts: 7,175 Forumite
    Part of the Furniture 1,000 Posts
    brizzledfw wrote: »
    YAY!! :T:T:T:beer::beer::j:D
    Woop woop well done cath :] youll smash that 4k you watch :] :beer:

    Thank you both.
    Exciting times! :j :j
    Lots of number crunching to do...unfortunately, lots of expense too. :(
    GE 36 *MFD may 2043
    MFIT-T5 #60 £136,850.30
    Mortgage overpayments 2019 - £285.96
    2020 Jan-£40-feb-£18.28.march-£25
    Christmas savings card 2020 £20/£100
    Emergency savings £100/£500
    12/3/17 175lb - 06/11/2019 152lb
  • tattycath wrote: »
    Yes, Tilly does explain Tilly tidies better than me, but at least you're on the right track now. ;)
    Yes, I keep checking the bay and the bottom of my listing 'entitlements' but still nothing as yet. :(


    Have still to come across in Tilly's Diary but will keep reading....
    Got another free 100 listings today - this time by e-mail:)


    Great news on your ef :j- go for it, you'll soon meet your new target.
    Always have 00.00 at the end of your mortgage and one day it will all be 0's :dance:
    MF[STRIKE] March 2030[/STRIKE] Yes that does say 2030 :eek: Mortgage Free 21.12.18 _party_
    Now a Part Timer from 27.10.19
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