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Getting a mortgage and then becoming mortgage-free!

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  • CathT
    CathT Posts: 7,133 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Happy birthday!

    Great result on bitcoin too, great you have recouped your original investment. We don't really bother with christmas presents for each other and would rather spend the money on an experience or meal out etc. We're going away in Feb so that is our present to each other.
    June 2025 - part 1 - £19,145 part 2 - £21,973 Total - £41,118 29 months to go!
  • Thanks for the birthday wishes- I had a lovely day with the gf and we did a bit of Christmas shopping, present wrapping and tidying up ready for her nephew to come and stay a few nights :)

    Had a lovely family meal out yesterday with her parents & her brothers family to celebrate Christmas early together- they gave me a huge rainbow cake at the end of the meal which was lovely. We did a secret Santa amongst the family which worked really well- saves the difficult present buying for everyone but still makes it special. We have got the two nephews football shirts to open from me, gf, mum & Dad for actual Christmas Day too :D

    My secret Santa was a lovely pink nail varnish and some ace fluffy slipper socks :heartpuls

    Our ‘bitcoin’ (well lite coin and ethirium) is doing well- was sat at £410 last night (we initially invested £210 which is sat in a linked account awaiting withdrawal so is included in the £410 figure) so we are up £200 in a few weeks- not too shabby!

    Gf and I have sorted our presents to each other now- I’m getting her a new thermal lunch bag and she’s getting me some of the fancy pants shampoo and conditioner that I like (TIGI- £13 for the two hugggge bottles online) :) small but practical and we both like :)
    First home- Oct’16 until June’21: £170.995- Overpayments made £13,784 (25% extra!).
    New forever home- Sep’21 £309,449 @ 2.05%. Plan to clear it before 30 years!!!!!!
  • Kittenkirst
    Kittenkirst Posts: 2,468 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    edited 18 December 2017 at 10:27AM
    Oh and an eBay sale and the Prolific money all cleared so another £20.36 OP at the weekend :D plus a tilly tidy yesterday of £1.37 and 75p this morning so still pushing past that target :)
    First home- Oct’16 until June’21: £170.995- Overpayments made £13,784 (25% extra!).
    New forever home- Sep’21 £309,449 @ 2.05%. Plan to clear it before 30 years!!!!!!
  • Happy birthday for the other day, glad you had a lovely time and congratulations on the fab OPs and investment. You're doing amazingly :)
    Mortgage: Mar 2018 -£300,000 / Jul 2021 -£255,000 / Oct 2024 -£172,835 (1.27% Interest until Feb 2027)
    Joint Savings: Aim £13.5k. Dec 2016 £1,700 / Jul 2021 £36,600 / Oct 2024 £106,450 (£100k in PBs. £5,850 at 4% interest. £600 Regular Saver at 7% Interst)
    Car Loan: Oct 2024 -£45,000 (0% APR Interest)
  • themadvix
    themadvix Posts: 8,810 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    Belated Happy Birthday Kitten - it sounds like you had a lovely day.

    DH has some money in Bitcoin and I've suggested he follows your lead and removes the original investment (£50 or something!) and just plays with the rest. He was wondering about ethirium and lite (he has some bitcoin cash too I think).... I don't really understand it but there are great returns to be had at the moment!
    Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days

    'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway


  • Yes TheMadVix it seems ethirium is the money maker at the moment. I have to admit to not knowing much about it and in honesty I probably wouldn’t have invested as I’m quite risk averse with savings etc but the gf took a punt so I went in halves with her.

    On that note I’ve also signed up to profit accumulator, created a separate email address and opened another current account to try my hand at matched betting- I’ve been contemplating it for almost two years so thought it time to have a small go. As I said I’m pretty risk averse so have a budget of £50 stake money and that’s it.

    Had £3 credit email for PineCone today so have requested a withdrawal, and am checking Paypal and the bank daily for the YouGov funds...ever hopeful for a credit in 2017 :)
    First home- Oct’16 until June’21: £170.995- Overpayments made £13,784 (25% extra!).
    New forever home- Sep’21 £309,449 @ 2.05%. Plan to clear it before 30 years!!!!!!
  • themadvix
    themadvix Posts: 8,810 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    Good luck with the MB - that's another one I've left to DH (and he gave that up after a while) - while I get the basics, I think I'd lose the plot fairly quickly!

    Fingers crossed for YouGov - I would hope it would come through this year.
    Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days

    'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway


  • Another MBer! I started with £100 from a gas and electric switch refund. I took that back out after 3-4 weeks, and am now over £5k profit in 17 months. Try and stick with it for at least 6 months. It took me 5 months to get to £1k, but the next 8 months i made a further £2.5k
    MFW: Was: £136,000.......Now: £47,736.58......
  • Thanks for crossing those fingers TheMadVix- the YouGov money has cleared today so I’ve just excitedly overpaid that nice shiny £50 :D

    Making OP’s for December- £287.99 which I’m very happy with :D that will probably be it now for 2017 except for a few small Tilly tidies.

    Unexpected expense of repairs to my car in the past few days-£130 worth, and I’ve been naughty and spent £57 on semi precious beads and cabochons from India.... :o

    Also one of my fillings has fallen out :o so I’m booked in for the dentists on Friday to see about getting it replaced- fingers crossed for minimal expense & minimal pain.

    New current acct card arrived today so I can start playing with the matched betting sites on Friday when it’s quieter :) wish me luck that I do it right!!
    First home- Oct’16 until June’21: £170.995- Overpayments made £13,784 (25% extra!).
    New forever home- Sep’21 £309,449 @ 2.05%. Plan to clear it before 30 years!!!!!!
  • Ohhhh SJimmy- good to know, from watching the vid it seems like there’s a lot of steps to take but once you’ve got used to it, it doesn’t seem to be as complex (clicking between screens etc). I’m keen to give it a go- even a £200 profit would be ace for us at the moment.

    I’m planning that any profit is split three ways: 1) overpayment 2) savings 3) holiday fund for Oz in September
    First home- Oct’16 until June’21: £170.995- Overpayments made £13,784 (25% extra!).
    New forever home- Sep’21 £309,449 @ 2.05%. Plan to clear it before 30 years!!!!!!
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