Je Regrette....

setmefree2

By and large most MFWs are Positive Peeps:D. However, I wondered if anyone regrets anything that would have brought there MF date closer:-

I Regret
1) Overpaying for insurance for years:eek:
2) Maybe staying in our last property too long:o
3) Spending too much on food for years:p
4) Not selling Friends Provident shares at floatation

and I might still live to regret not getting rid of the NU endowment

What about you

andysdad_2

Even worse buying more FP shares at flotation

Di-Dough

I regret not overpaying on our first house (six years) when the mortgage was smaller.

Di

FreedomGirl

Setmefree,

It's the food for me - we have spent soooooo much more than we needed to over the years :mad:

Oh, and not starting a spending diary back in 2001

FG

Trying_to_be_good

Taking a fixed rate for the first five years (back in the 90s) that allowed NO overpayments (until I made them realise they'd broken the contract!).

We live and learn...

phizzimum

I regret renting for so many years - when we got married in 1992 lots of people seemed to be in negative equity which scared me. we didn't buy a house until 1999, by which time prices had soared. also DH inherited some money from his grandfather not long after we were married which he blew on a car.

Still, I think I've learned from our mistakes, and hopefully we will be mortgage free before many of our friends who bought earlier.

~daisy~_2

i regret

• not realising we could have been over paying for ten years and feeling smug at our super low mortgage payments
• spending too much on sale items and cheap clothes that have never been worn
• spending to much in tescos
• missing the ''window of opportunity'' to move up the property ladder - then feeling the gap was to big to bridge

trying to make up for it now tho.......

Jonesy_Bonesy

Like most I regret wasting money for years. Whilst not in debt apart from mortgage, we spent what we earned each month on "nothing".

Regret not stretching ourselves more when we bought 7 years ago. Got a 3 bed semi with a comfortable mortgage, but with 2nd kid now on way really need a 4 bed minimum, which would have been achievable 7 years ago.

Regret getting caught up in BTL bug and buying overvalued new build apartment.

Regret not discovering this site 5 years ago. Will be one year anniversary for me in April :beer:

Kaz2904

I regret not buying earlier than we did.
If we had bought before I went to uni (4 years earlier) then we could have got the same mortgage as we got while I was at uni.
In that time we went from being able to buy a large 3 bed house- big garden to just scraping into a 2 bed flat needing loads of work.
Other than that I just regret the amount of money we wasted over the years. If we'd not wasted so much money then DH could have been a stay at home dad (not that he wanted to!).
Never mind- once the mortgage has gone I can get out of this job and go into one with no unsocial hours!

setmefree2

Thought of 2 more:rolleyes:

1) Saving for our kids when they were small and then leaving the money languishing in a woolwich kids account that paid rubbish interest:eek:

2) Leaving our ISA with smile too long when they dropped the interest:eek:

angelavdavis

I regret believing my teacher who said I was rubbish at maths and as a result having fear of numbers and decimal points for so long (including money and bills).

Other things:

• Buying my ex out of an endowment when we divorced for £10k - only to see the endowment crash to 10% of its value (less than 2k) within 6 months:o I should have cashed it in at the time.
• Staying in my last perm job for too long - I should have walked when they asked me to complete the 3rd set of forms for my job grade evaluation (I waited two years, trusted my manager, completed another 6 sets of forms, then gave up when I realised I could barely afford to continue paying the credit card bills for the £18k of debt I generated paying for my MBA)