MFi3 & before I am 40 + my MB journey

TallGirl

Thanks for the kind words again the house still feels empty but I have some news:

1. Got my redemption statement and paid £995.78 and I shall now be mortgage free when the payment clears.

2. Saw the IFA who was really good and is looking into payment cover instead of lifeinsurance so is getting us some qoutes. He was also really helpful with the pension advice so we are going to get all the info and he will work out what we should have to life on at retirement. At the moment if I wanted to retire at 60 I would have about £4000 a year, rubbish isn't it.

3. Went to see a breeder of Maine Coones and put a deposit down for a kitten that will be ready in April/May. £650 but should be well worth it. Cannot wait.

I think that is enough for now will update properly later.

setmefree2

TallGirl wrote: »

1. Got my redemption statement and paid £995.78 and I shall now be mortgage free when the payment clears.

Fantastic news

taka

:j Congratulations! :T :beer:

How long till the payment clears?

TallGirl

Mortgage payment should have cleared by now but it does not show online until the next working day so I will wait until tomorrow to say I am officially mortgage free.

Has been such a strange week loosing Eric, paying the mortgage off and ordering a new kitten. I guess a lot of people think it is soon and we are just trying to replace him but I miss having a cat around and we will have time to get over him before the new one comes. The breeder gave us a feeding plan for them and they need such posh food. Raw mince and cooked meets as well as dry stuff. The kitten pouches cost £8 per 12 double of what the standard stuff cost. We shall see - its not for long they are kittens and I don't want to upset his tummy if that is what he is used to. Anyway still got 18 weeks or so to wait.

Back to more mortgage related stuff as I mention the IFA was really good. He is going to write off to DH pensions to find out how much he has got as we really don't know. He suggested I change my fund from the ethical one it is in but I could do it online. Just registered and they are sending me a pin code. Fantastic if you can look it all up online. On the website there is also a calculator you can put your net worth into. Might have to have a play with that. I am certain I shall want to increase my pension payments as I would want to retire at 60. Will wait for the statement and see what the IFA comes back with.

We have had to change our joint account payments as DH still looks close to going into the red. He does pay for most of the supermarkets shopping so it is only fair. We will now pay £600 instead of £750 and save £120 a month into a specific holiday fund. That should do for now but will review it when we know how much the payment cover will be that the IFA recommended.

Off to Oxford today should be a nice 2 hour drive and I quite look forward to getting out and about. Been stuck in the office too much lately.

Weight now 86.7 so going in the right direction even if I am drinking rose again. Had a bit of a hangover this morning and only had 2 glasses. Tells me I should cut down which I will.

SmlSave

Hi TG, have a good day in Oxford

vandanfc

Hi Tall Girl

Firstly congratulations on clearing the mortgage !!!

Secondly sorry about Eric, I took have already lost one to kidney failure and am treating another.

Thirdly your comment of a couple of days ago has really be getting to me - mainly concerned that you are being overcharged. Please pm me if you want to discuss further.

Vanda

vandanfc

Are you sure you don't want one like this though ???

http://www.pbase.com/vandanfc/image/43221991/medium

TallGirl

Vandanfc they are lovely fantastic cats and fantastic photos. Cannot wait to get mine even if it is expensive and I have to wait for it. They do say good things comes to those who wait so hopefully it will be a fab kitten.

Logged into online banking and no sign of the mortgage accounts so it must be a big fat


£0

Thats it we have done it 10 years early and can now start being savers. :money::beer::money::j:T:j

Daft_Pegasus

Congratulations it must be a wonderful feeling :beer:

Hope you continue with the diary

TallGirl

Thanks Daft Pegasus that is some inpressive overpayments you have made last year good luck for your MF journey it is well worth it. I think I shall continue with the diary at least until I get the kitten and its the official end of MFi3.