And now the fuse is lit...

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  • ZTD
    ZTD Posts: 24,327 Forumite
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    beanielou wrote: »
    So we need more information~ how much, how long.........

    And what exactly are we talking about here..?

    :eek::eek::eek:
    "Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
    "We were born and raised in a summer haze." Adele 'Someone like you.'
    "Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky."     OMD 'Julia's Song'
  • beanielou
    beanielou Posts: 90,334 Ambassador
    Academoney Grad I'm a Volunteer Ambassador Mortgage-free Glee! Name Dropper
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    Your mortgage of course :rotfl:
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • ZTD
    ZTD Posts: 24,327 Forumite
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    beanielou wrote: »
    Your mortgage of course :rotfl:

    Well it was £76,000 - but fees took that up to £76,999. Then interest on top of that... :eek:

    Twenty five years nominally, but I wouldn't be here if I was happy with that.
    "Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
    "We were born and raised in a summer haze." Adele 'Someone like you.'
    "Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky."     OMD 'Julia's Song'
  • beanielou
    beanielou Posts: 90,334 Ambassador
    Academoney Grad I'm a Volunteer Ambassador Mortgage-free Glee! Name Dropper
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    So the plan is..........
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • ZTD
    ZTD Posts: 24,327 Forumite
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    beanielou wrote: »
    So the plan is..........

    Initially to stooze my ISAs into the offset using the fact they're flexible to cut down my interest charge. Though it's not much, it's better in my pocket, and my mortgage charges more than my ISAs give.

    Hammer my FD regular saver every year as it's 5%. Hammer my Leeds RS as although it's only 2.3%, it's open ended to a maximum of £6,000.

    I now have the space to bulk buy which should cut down on regular expenses. I also have the space to batch cook.

    Live like a hermit, just not as shellfish...


    Is that planny enough for you? ;)
    "Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
    "We were born and raised in a summer haze." Adele 'Someone like you.'
    "Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky."     OMD 'Julia's Song'
  • beanielou
    beanielou Posts: 90,334 Ambassador
    Academoney Grad I'm a Volunteer Ambassador Mortgage-free Glee! Name Dropper
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    Maybe :rotfl:
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Butti
    Butti Posts: 5,014 Forumite
    First Anniversary First Post
    edited 23 October 2017 at 11:18PM
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    beanielou wrote: »
    So we need more information~ how much, how long.........

    That's a bit personal!

    Blimey I started on £92k and thats towards a 2 bed house.
    Debt LBM (08/09) £11,641. DEBT FREE APRIL 2021.
    Diary 'Butti's journey : A matter of loaf or death'.
    Diary 2 'The whimsical tale of the Waterbed of Debt'         48% off mortgage
    'one day I will be rich and famous…for now I'll just have to settle for being poor and incredibly sexy'. Vimrod Member of MIKE'S :cool: MOB
  • Karmacat
    Karmacat Posts: 39,460 Forumite
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    What about your utility bills, Z, how are you doing, do you need more insulation (in the walls!)?

    Are you plotting to do bits and bobs like use your mobile for surveys and games, and get an extra £100 a month or so?
    2023: the year I get to buy a car
  • ZTD
    ZTD Posts: 24,327 Forumite
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    Butti wrote: »
    That's a bit personal!

    That's beanie... ;)
    Butti wrote: »
    Blimey I started on £92k and thats towards a 2 bed house.

    I have a big one (deposit etc). Besides, this is the grim & blighted/blasted/barren (*delete as applicable) North East, so houses are cheaper here.

    PM me if you want a Rightmove linky.
    Karmacat wrote: »
    What about your utility bills, Z,

    I've gone with a 18 month fix for electricity, but should buy some oil soon once I figure out how much I actually use. Nope...never had oil before - before anyone asks.
    Karmacat wrote: »
    how are you doing, do you need more insulation (in the walls!)?

    Probably need to get get insulation for the flat roof part of the property. I'll probably get that done when I get the flat roof refelted - it won't last forever. I may also get a thermosolar collector at the same time to make the oil stretch further. Photoelectric cells are much further off into the future at least after I get my mortgage netted off, and possibly never if the sums don't add up.

    This intrigues me... https://www.youtube.com/watch?v=ka0MfipmdBw - yes I do know how it works, but no, I'm not qualified. The supply is a third of the cost but I believe the round-trip efficiency will be 80-90%.
    Karmacat wrote: »
    Are you plotting to do bits and bobs like use your mobile for surveys and games, and get an extra £100 a month or so?

    Because of various reasons, I'm very time poor, and things like that aren't high value to me. I find a small investment in time on Mysupermarket and hotukdeals, and bulk buying/batch cooking can net a £100 pcm saving over several months. I must get back into that properly.
    "Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
    "We were born and raised in a summer haze." Adele 'Someone like you.'
    "Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky."     OMD 'Julia's Song'
  • Karmacat
    Karmacat Posts: 39,460 Forumite
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    ZTD wrote: »
    I have a big one (deposit etc). Besides, this is the grim & blighted/blasted/barren (*delete as applicable) North East, so houses are cheaper here.

    PM me if you want a Rightmove linky.
    Thats a good idea, to get a bigger house than the very basic, for your own space, as potential income, for solidity of construction, all sorts. And I'd love a rightmove linky, if that would be okay :beer:
    Probably need to get get insulation for the flat roof part of the property. I'll probably get that done when I get the flat roof refelted - it won't last forever. I may also get a thermosolar collector at the same time to make the oil stretch further. Photoelectric cells are much further off into the future at least after I get my mortgage
    netted off, and possibly never if the sums don't add up.
    I have a few little solar bits and gadgets, but no big system, which is ridiculous of me :o and I'd not even heard the term "thermosolar collector" :o When these next building works are done, but before the replastering, I'll find out :)
    This intrigues me... https://www.youtube.com/watch?v=ka0MfipmdBw - yes I do know how it works, but no, I'm not qualified. The supply is a third of the cost but I believe the round-trip efficiency will be 80-90%.
    He's wonderful! I love that guy :) The UK is full of ingenious people like this. I'll definitely be giving some thought to this, I have backup for cooking in the event of a powercut (camping stoves!) but not much else.
    Because of various reasons, I'm very time poor, and things like that aren't high value to me. I find a small investment in time on Mysupermarket and hotukdeals, and bulk buying/batch cooking can net a £100 pcm saving over several months. I must get back into that properly.
    Yep, we can only do so much. OTOH, I'd have expected you to invent a machine that could stretch a minute to become an hour, so that you could do what you needed to do :D
    Save
    2023: the year I get to buy a car
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