Mortgage free and finally in a forever home

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  • Crikey, just spotted my signature on my last post.  Talk about out of date!  Verrrry happy to report I actually got to MF by the planned date of 01/08/2018, sold that place after a while, got moved and then planning to move again soon #eek
    MFW Start Date 1.4.08. Updated 23.1.18. MFW date 1.8.18
    Original Mortgage o/s £187,643 / £71,904 (-115,739)
    Repay o/s £92,661 / now £55,900 (-36,761)
    Int Only o/s £94,982, now £16,004 (-78,978)
    Total daily interest £1 [a) £0.77 b)£0.23
    Total OP's:2018 target £TBC YTD £1,995
  • TallGirl
    TallGirl Posts: 5,463
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    Hiya abouttimetoo thanks for stopping by and congrats on being mortgage free we need a proper update please. I’m all good thanks and still MF been here 3 years now. 
    Save £12k in 24 No 50
    PB Win 21 £225, 22 £275, 23 £900, Balance Feb 24 £41,650 (Wins, Jan £200 Feb £150) 
    Plan to move to Denmark for FIRE by 2028 “May your decisions reflect your hopes not your fears”
    New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest

  • TallGirl
    TallGirl Posts: 5,463
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    Morning sorry it's been 2 weeks that's not good need to update more frequently.  

    Gym and exercise still going well golf less great but still playing when weather permits. Bought some winter golf boots they were half price at £50 so quite happy with that. Also paid for the Christmas flights they were £300 which is £100 more than normal but saving £40 to fly easyJet at rubbish times just wasn't worth it.  I can get the train and dg can drive so we have the car coming back. We have cat sitters so no cost there. Not bought a single Christmas present but should be fine to get it all done. Got my nieces list and there should be other wishes soon. We usually buy what people would like not just for the sake of it. 


    Also bought two zip up hoodies and one for dg as she's not really got any money.  They were £20 each nice and thick so can leave the heating off for a bit just got it on a few hours a day. As soon as the sun is on the triple glazing does it's bit. 

    After work I'm travelling over to what dg works she's staying over two nights and I'll work out of their offices tomorrow then come back Thursday morning. Should be a nice little break just hope weather stays sunny would be preferable. 

    Diet ok but not losing anything but not putting on either. A bit depressing but fitting into more clothes which is good and money saving lol. 

    Get paid tomorrow my savings are a bit depleted but it's that time of year. Also booked bootcamp for next august got 20% off which is very good. Now just need to keep fit. 

    Work is fine quiet actually but all good. Need to do some work now before a meeting this afternoon so best get up. 
    Save £12k in 24 No 50
    PB Win 21 £225, 22 £275, 23 £900, Balance Feb 24 £41,650 (Wins, Jan £200 Feb £150) 
    Plan to move to Denmark for FIRE by 2028 “May your decisions reflect your hopes not your fears”
    New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest

  • TallGirl
    TallGirl Posts: 5,463
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    edited 22 November 2022 at 3:34PM
    My meeting was cancelled so decided to leave a bit early as it’s a 2.5 hour journey by public transport. I can still check emails etc so should be fine. 

    Stupidly booked train for the wrong dates so ended up paying £10 to cancel bet I could have changed it. Lesson learnt usually work pays for my ticket but I’m an idiot yes. 

    In other news 0-0 for my team in the football sad start but they are there and that’s something for a small county. 

    Got quite a bit of wait time on this journey I’ll try not to spend too much. 
    Save £12k in 24 No 50
    PB Win 21 £225, 22 £275, 23 £900, Balance Feb 24 £41,650 (Wins, Jan £200 Feb £150) 
    Plan to move to Denmark for FIRE by 2028 “May your decisions reflect your hopes not your fears”
    New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest

  • TallGirl
    TallGirl Posts: 5,463
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    Had a fab trip away with dg got work done and had some nice time socialising  and eating out. Not good for diet or money but sometimes you have to. Saved on groceries that week at least. Then Saturday we headed up to see DGs friends stayed there so no hotel but food out again and they are both on benefits so best we paid. More naughty food too which was not good. Was nice to see them and we had fun. 

    This week I'm not too busy with work well I have stuff to do but no actual doing any of it. Meeting later which will be good just feel unmotivated. 

    Christmas shopping slowly but hard as I need to coordinate with family to buy the heavier stuff. We have got my nephews birthday present and my nieces Christmas present too. Know what to get my sister no idea on my mum or dad but bil an an idea but not where to get it from annoyingly. 

    Set up my regular saver with First Direct as it's now paying 7% so I'll still keep £500 for premium bonds then £200 in instant savings so with the £300 it makes it £1000. I'll need to pay our Gambia holiday when the bill comes in as I put it on credit card to get points. Also need to book parking at Gatwick over Christmas plus it's £90 to investigate what's wrong with the Apple Car play in the car. Not handy for December really. 

    Trying to keep heating to a minimum and there will be no more eating out unless planned such and Golf club ladies dinner on Thursday but was only £20 so very cheap. Might sneak in some vodka to keep cost down. 

    Well I best get back to work 
    Save £12k in 24 No 50
    PB Win 21 £225, 22 £275, 23 £900, Balance Feb 24 £41,650 (Wins, Jan £200 Feb £150) 
    Plan to move to Denmark for FIRE by 2028 “May your decisions reflect your hopes not your fears”
    New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest

  • TallGirl
    TallGirl Posts: 5,463
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    Diet not going well but at least keeping it to eating at home no takeaways and no going out apart from the meal with the golf club which was good. Bought a few Christmas presents so do not feel too stressed about it. Still on top of work but having those two trips to plan but not too bad now and quite look forward to seeing people. 

    My First Direct regular saver is set up not sure if I need to set up a transfer each month or if that's automatic the first payment went in automatically. Nice to be getting some interest again. 

    Golf yesterday was hard work and cold but also nice to get out. 

    Spending all over the place and as dg has no real income the present will be down to me but they are for my family anyway. 

    Need to get up dg has been at her desk since 6.30 so quite lazy I am. 

    Picture of the cats just because you need cuteness on a Monday morning. 


    Save £12k in 24 No 50
    PB Win 21 £225, 22 £275, 23 £900, Balance Feb 24 £41,650 (Wins, Jan £200 Feb £150) 
    Plan to move to Denmark for FIRE by 2028 “May your decisions reflect your hopes not your fears”
    New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest

  • Very nice to see the cats :joy:
    Mortgage restart June 2018 £119950Re mortgage August 19 £110470, … Mortgage November 22 £85600 final 0% CC 3300Home renovations - £65000, mid 2018 - mid 2022
  • daisy_1571
    daisy_1571 Posts: 1,121
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    Fab photos of cat cuteness   :) 
    2022: 3🏅 4⭐ 2023: 5🎖🏅🏅 🎖🏅6 ⭐⭐ ⭐ ⭐ ⭐ ⭐ Never save something for a special occasion. Every day in your life is a special occasion. Take hold of every moment - anon I'm a clutterbug butterfly 🦋 The difference between what you were yesterday and what you will be tomorrow is what you do today Well organised clutter is still clutter - Joshua Becker If you aren't already using something in your home, you won't start using it more by shoving it in a cupboard- AJ Money
  • TallGirl
    TallGirl Posts: 5,463
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    I've got a dilemma I would really like some perspective on. My mum is 80 3rd March next year she's going to pay for us all to go on a cruise but not on her birthday. She never celebrates on her actual birthday as it's always cold and can be snowing. Booked a holiday to Gambia so we could get back in time in case she celebrated but then a second opportunity came up for a golf trip to Spain with the golf club ladies. When I booked it I said to my mum you're not thinking of having a party as we won't be able to come. She said no I'm very sure of this back in August. 


    Fast forward two week ago she's now having a lunch time thing at her golf club on the 4th and we fly to Spain 5th in the morning from UK. She said she would like be there and will pay something towards my ticket. She said she knows dg works so is not expecting here to be there plus it's all in Danish. 

    I said I couldn't because of the Spanish trip I'm not sure if her reaction but I know she was disappointed. I can't fly to Spain from Denmark and it's pointless going back Saturday and miss the party. 

    My dg strongly thinks I should cancel my trip to Spain and is happy not to go to Spain as my mum is more important and what if something happens. I do agree with her but also torn.  Paid £100 deposit and easyJet flights booked and paid for. Not sure we could rebook flights and use them for Denmark or if they are lost. 

    Not discussed this with dg but someone from the club wanted to go but didn't want to pay single room supplement so she could take my place and share with dg. Dg does not know this yet. Trip to Spain is only 5 nights so can't really join a day late plus taking clubs to Denmark. Any suggestions and thoughts very welcome. Thanks. 
    Save £12k in 24 No 50
    PB Win 21 £225, 22 £275, 23 £900, Balance Feb 24 £41,650 (Wins, Jan £200 Feb £150) 
    Plan to move to Denmark for FIRE by 2028 “May your decisions reflect your hopes not your fears”
    New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest

  • SuzieSue
    SuzieSue Posts: 4,095
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    What a dilemma.  I think it depends how guilty you would feel about not seeing your Mum if something happened and also when you last saw her and when you are due to see her again.

    I don't feel guilty about decisions I make but I know some people do and I know someone whose mother was abroad and she still feels very guilty years later about not going to see her before she died.

    If you don't feel guilty about decisions then you should do what you would rather do as you did ask our Mum before you booked your trip.

    I think the fact that you are even thinking about it means that you would rather go to Spain.  If you really wanted to go to Denmark then you wouldn't have to think about it.



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