We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Cosy blanket
Comments
-
Congratulations on starting your new role, it should get easier over time.
I've read some mortgage free diaries where they OP the equivalent interest, it seems to work for them. Totally agree with having the security of owing less on the mortgage, or even clearing it. Having 'free' accommodation reduces stress levels and pressure of staying in a role paying enough to cover that and everything else.
Mortgage started 2020, aiming to clear 31/12/2029.1 -
I have just finished reading d1v1dend investing for beginners which is a bit heavy in places but might be worth a read. The other thing you might find interesting is the frugal cottage on you t3be. The woman is trying to build a monthly income through dividend income. Some funds pay a kickback/dividend) for holding an investment others are more focused on capital growth.
Lots of people have that opinion in regards to safety of money as in the stock market prices go up and down... Its a long term thing. In comparison people should be aware of the reduction of money in real terms due to inflation when it's held in an account. That is not to say that you shouldn't have accessable funds... The first thing any adviser will tell you is get an EF.
I will have a look at free share offers I have and message you xMortgage Aug 2019 161,000 :eek::eek::eek:Nov 2019 156,500:T Jan 2020 153,122:T, Apr 2020 149,500, Apr2021 139, 675, Oct 2021 136,823, Dec 2021 136,120🙂EF 0/12,000 (0%)😕 (5062.44 was ERC), Jan 2023 128,650. Our Mortgage is never going to be as high as it is today. :jOnwards and downwards to a better life for our family. :jJust keep swimming1 -
It's go go go here as with everyone else. We have had one nativity today which was extremely cute. We are going to get our tree after the school run today. I do love a real tree (I know an artificial one would be more money saving) and have had one since we have had the children. I have however this year thought in advance and budgeted for it, have some vouchers from TCB that I get when they do an offer and got a 20% off voucher.
I don't feel that great so currently cuddled under my cosy blanket and hoping I will be able to have an early night as I am working tomorrow. I can't wait to finish work for Christmas.
I think Christmas shopping is done and I have a feeling I have some cards somewhere so need to locate those. I have done quite a bit of wrapping but do have some more to do which I will hopefully get sorted today.
14 days til payday.Mortgage Aug 2019 161,000 :eek::eek::eek:Nov 2019 156,500:T Jan 2020 153,122:T, Apr 2020 149,500, Apr2021 139, 675, Oct 2021 136,823, Dec 2021 136,120🙂EF 0/12,000 (0%)😕 (5062.44 was ERC), Jan 2023 128,650. Our Mortgage is never going to be as high as it is today. :jOnwards and downwards to a better life for our family. :jJust keep swimming2 -
Forgot to say my target for the 3 yr mortgage thread was to be at 130k by Jan 2022, I think if I push it I may be able to do this if I don't include the big fees we had to pay for remortgage.
Time to start thinking about what we want to achieve next year money wise.Mortgage Aug 2019 161,000 :eek::eek::eek:Nov 2019 156,500:T Jan 2020 153,122:T, Apr 2020 149,500, Apr2021 139, 675, Oct 2021 136,823, Dec 2021 136,120🙂EF 0/12,000 (0%)😕 (5062.44 was ERC), Jan 2023 128,650. Our Mortgage is never going to be as high as it is today. :jOnwards and downwards to a better life for our family. :jJust keep swimming2 -
Gosh that is a big payment. Well done you.Aiming for a minimal spend 20222
-
It's the smell of a real tree which makes Christmas feel like Christmas.
Hopefully we'll start to get back to normal at some point and be able to properly recharge.
That's a huge potential payment, dig round the sofa, bags, coats and find everything you can!Mortgage started 2020, aiming to clear 31/12/2029.2 -
I need to OP by about 700, I have some money coming in from waxing study, bonus and OT but I need to see what bits I can sell and do surveys etc to up itMortgage Aug 2019 161,000 :eek::eek::eek:Nov 2019 156,500:T Jan 2020 153,122:T, Apr 2020 149,500, Apr2021 139, 675, Oct 2021 136,823, Dec 2021 136,120🙂EF 0/12,000 (0%)😕 (5062.44 was ERC), Jan 2023 128,650. Our Mortgage is never going to be as high as it is today. :jOnwards and downwards to a better life for our family. :jJust keep swimming2
-
Hope you are feeling ok Lw2go. We are all counting down the days until Christmas holidays now. Hope you manage to get enough to make your overpayment0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
House sale OCT 2022 = NOW MORTGAGE FREE 🤗
House purchase completed FEB 2023 🥳🍾 Left work. 🤗
Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).
Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1
Living off savings diary
https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p12 -
Thank you SYA I am now off work as not well and think my body just needs rest.
My OH has been offered some OT so I am hoping this will get us towardsthe target, need to make sure he is happy to use the money this way.Mortgage Aug 2019 161,000 :eek::eek::eek:Nov 2019 156,500:T Jan 2020 153,122:T, Apr 2020 149,500, Apr2021 139, 675, Oct 2021 136,823, Dec 2021 136,120🙂EF 0/12,000 (0%)😕 (5062.44 was ERC), Jan 2023 128,650. Our Mortgage is never going to be as high as it is today. :jOnwards and downwards to a better life for our family. :jJust keep swimming2 -
Hope you feel better soon.
Even if OH splits it, so you both get half, it's a step in the right direction.Mortgage started 2020, aiming to clear 31/12/2029.2
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 351.2K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.7K Spending & Discounts
- 244.2K Work, Benefits & Business
- 599.3K Mortgages, Homes & Bills
- 177.1K Life & Family
- 257.7K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards