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LJ's Mortgage free road to early retirement

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  • LouiseJ
    LouiseJ Posts: 11,156 Forumite
    Lovely to see you Beanie, see our main Man has been making a prat of himself these last few weeks.:mad:

    I am not speaking to him until he sorts himself out and gives his head a shake:rotfl:
    But these things take time, I know that I'm, the most inept that ever stepped.
  • beanielou
    beanielou Posts: 95,620 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Have to agree on the man!
    The stick I got after his rant in our local paper was scarey :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.
  • LouiseJ
    LouiseJ Posts: 11,156 Forumite
    OK mortgage statement is in and the current balance is £36263 with a remaining term of 12 years.

    I have updated signature to reflect this and am now off to do some sums to work out how quickly I can get this down again.
    But these things take time, I know that I'm, the most inept that ever stepped.
  • LouiseJ
    LouiseJ Posts: 11,156 Forumite
    Credit card statement has arrived at scary total of £2091:eek:

    To tackle this I have applied for a PO 0% credit card via quidco for £35 cashback fee which will almost offset the £49 balance transfer fee. I plan to get rid of this balance in 10 months while tackling the mortgage at same time.
    But these things take time, I know that I'm, the most inept that ever stepped.
  • beanielou
    beanielou Posts: 95,620 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    You can do it hun :j
    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.
  • LouiseJ
    LouiseJ Posts: 11,156 Forumite
    beanielou wrote: »
    You can do it hun :j

    Thanks Beanie love:A
    But these things take time, I know that I'm, the most inept that ever stepped.
  • skint_spice
    skint_spice Posts: 13,420 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Those credit cards are terrible things eh? At least 0% will help - just don't get complacent like me!
    Mortgage OP 2025 £6250/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,210


    Money making challenge £38/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • LouiseJ
    LouiseJ Posts: 11,156 Forumite
    skint_spice wrote: »
    Those credit cards are terrible things eh? At least 0% will help - just don't get complacent like me!


    I think I have been through the complacency stage and have came out of the other side of stupidity :o Never mind am doing something about it now:)
    But these things take time, I know that I'm, the most inept that ever stepped.
  • LouiseJ
    LouiseJ Posts: 11,156 Forumite
    Current Mortgage balance stands at £35888.76
    Credit cards balance = £1913.33

    Onwards and downwards. I should be able to pay a bit more off the mortgage at the end of the month.
    But these things take time, I know that I'm, the most inept that ever stepped.
  • Buffythedebtslayer
    Buffythedebtslayer Posts: 18,924 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hello, didn't know you posting here again, good to see you xxxx

    and lots of luck with the cc and mortgage xx
    Nevertheless she persisted.
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