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I wanna be mortgage free!

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  • twinklie
    twinklie Posts: 5,176 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    edited 14 August 2009 at 2:19PM
    Just so I don't have to keep flicking back....
      General
      [*]Finish sorting through my cupboards in the bedroom and dig out anything else that is for the charity shop.
      [*]Clean the office OH is doing his half first
      [*]List things on ebay...just waiting for a free listings day.
      [*]File all bits and pieces.
      [*]Take tv stand to b & sil's house. Text them to see if they want this - still waiting to here back.
      [*]Take old toilet to the tip.
      [*]Cancel Love movies subscription. Emailed again 14/08 still no joy
      [*]Write and post cheque to friend to pay for her hen doo.
      [*]Look through terms and conditions of MPPI cover and see if it still fits our needs.
      [*]Work out how much I will owe DH every month.

      UNI
      [*][STRIKE]Read articles for 3rd essay. Only 2 more articles left to read[/STRIKE]
      [*][STRIKE]Reread and rewrite the 2nd essay.[/STRIKE]
      [*][STRIKE]Write 3rd essay. 785 / 800 - still needs work though.[/STRIKE]
      [*]Do portfolio On with this one now...figured out my layout and everything! Woo hoo
      [*]Print of assignments ready to hand in
      [*]Find out how to submit assignment.

      DIY
      [*][STRIKE]Clear space for b&Q delivery.[/STRIKE] Although some of the doors aren't coming so will have to have ANOTHER delivery!
      [*][STRIKE]Rip off tiles off back wall in bathroom.[/STRIKE]
      [*]Prepare the wall for retiling.
      [*]Pull out existing toilet.
      [*][STRIKE]Get new soil pipe.[/STRIKE] [STRIKE]Ordered and will be here on Thursday...£90.60 though!! :eek:[/STRIKE]
      [*]Retile.
      [*][STRIKE]Dig out and remove old soil pipe.[/STRIKE]
      [*]Install new soil pipe.
      [*]Install new toilet.
      [*]Install new bath
      [*]Have a bath to celebrate!!
      Reduction in daily mortgage interest since October 23 (new mortgage) - £2.36 July 25
      % of house owned/% of mortgage paid off. July 25 - 38.82%/31.66%
      MFiT-T7 #21
      MFW 2025 #2
      MF Date: Oct 37 Feb 37
    • Queen-Bee_2
      Queen-Bee_2 Posts: 828 Forumite
      Mortgage-free Glee!
      twinklie wrote: »
      A couple of extra things to add to todays to do list. Main one is to create and update the MS ledger (thanks to ukmonkey for that).

      Hi Twinklie - just wanted to say that I am enjoying your thread. I've only recently started my MFW diary and am cruising other peoples' diaries for tips (hope no one minds me pinching their ideas!!).

      One thing I've already decided, is to use more lists! However, I'm curious - what is the MS ledger?? :confused: It sounds like it's a tool to record expenditure?
      Queen-Bee
    • twinklie
      twinklie Posts: 5,176 Forumite
      Part of the Furniture 1,000 Posts Photogenic Name Dropper
      It is...I stole it for UKmonkey. Its a tool to keep a track of all you mystery shops so you can have an idea what you owe the taxman. Its helped me no end! I would be lost without it. I think the link is on the first page of the MS X thread.

      In terms of general household expenditure I use a cash flow chart that I got off here that I update daily. That includes all income and all expenditure from bills to diy to charity etc.

      Glad some of my babble is useful to someone! Incidentally....pinch away and good luck - it gets very addictive!
      Reduction in daily mortgage interest since October 23 (new mortgage) - £2.36 July 25
      % of house owned/% of mortgage paid off. July 25 - 38.82%/31.66%
      MFiT-T7 #21
      MFW 2025 #2
      MF Date: Oct 37 Feb 37
    • twinklie
      twinklie Posts: 5,176 Forumite
      Part of the Furniture 1,000 Posts Photogenic Name Dropper
      edited 12 August 2009 at 1:49PM
      Not having much luck when it comes to this assignment work due to builders across the road. I have no clue what on earth they are doing....digging through to china by the sound of it. But concentration levels are low!!!

      I'm determined to get it finished today though so it's just the portfolio to be done then. Right going to empty the dishwasher and reheat left overs from my MS then I'll get on with it....hopefully the builders will be on lunch then!

      EDIT: I'm on a roll! Don't know how good these assignments actually are...but then again...do I care!
      Reduction in daily mortgage interest since October 23 (new mortgage) - £2.36 July 25
      % of house owned/% of mortgage paid off. July 25 - 38.82%/31.66%
      MFiT-T7 #21
      MFW 2025 #2
      MF Date: Oct 37 Feb 37
    • earthgirl
      earthgirl Posts: 3,762 Forumite
      Mortgage-free Glee!
      Well done getting all that done, I'm in exactly the same position with my promotion work, just grinning and bearing it, sure I'll start to enjoy it soon :rolleyes:
      15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House:www: Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again :j

      Progress not Perfection
    • twinklie
      twinklie Posts: 5,176 Forumite
      Part of the Furniture 1,000 Posts Photogenic Name Dropper
      edited 13 August 2009 at 12:27PM
      I have a MS to do today so will be going to town but at the minute seem to be struggling with getting DH to get his bum back out of bed. He was up at 8 to get the soil pipe delivery...went back to bed and has not been seen since!! Most annoying.

      I think I might do some work on my portfolio later as well since it's going to be hectic here tomorrow with OH and FIL DIYing.

      Need to get OH to call up the mortgage people now as well because they've only up the dd by £68...Instead of the £120 we'd requested...it says as requested. Argh!!!! Why is nothing ever simple!
      Reduction in daily mortgage interest since October 23 (new mortgage) - £2.36 July 25
      % of house owned/% of mortgage paid off. July 25 - 38.82%/31.66%
      MFiT-T7 #21
      MFW 2025 #2
      MF Date: Oct 37 Feb 37
    • twinklie
      twinklie Posts: 5,176 Forumite
      Part of the Furniture 1,000 Posts Photogenic Name Dropper
      Right OH is 40 in December....any ideas what I can do for him. Not having a party given that most of his friends failed to turn up to the wedding (despite texting him in the morning that they were coming). And his family can be stressful!

      I was thinking of taking him away for the weekend. Ideas would be welcome.
      Reduction in daily mortgage interest since October 23 (new mortgage) - £2.36 July 25
      % of house owned/% of mortgage paid off. July 25 - 38.82%/31.66%
      MFiT-T7 #21
      MFW 2025 #2
      MF Date: Oct 37 Feb 37
    • ShelleyC_2
      ShelleyC_2 Posts: 1,500 Forumite
      twinklie wrote: »
      Right OH is 40 in December....any ideas what I can do for him. Not having a party given that most of his friends failed to turn up to the wedding (despite texting him in the morning that they were coming). And his family can be stressful!

      I was thinking of taking him away for the weekend. Ideas would be welcome.

      Definitely no party then!

      What does he like any particular hobbies / likes that could suggest a location? Or you could do a romantic weekend away and spoil him lots?
      Looking for the perfect home and saving to make becoming a MFW easier
      MFiT3 48103/50000 Saved So Far :j
    • taka
      taka Posts: 3,483 Forumite
      Part of the Furniture 1,000 Posts Photogenic Name Dropper
      edited 13 August 2009 at 5:33PM
      twinklie wrote: »
      Right OH is 40 in December....any ideas what I can do for him. Not having a party given that most of his friends failed to turn up to the wedding (despite texting him in the morning that they were coming). And his family can be stressful!

      I was thinking of taking him away for the weekend. Ideas would be welcome.

      What about a city break somewhere? Is there somewhere he would like to go? Cottage/hotel somewhere meaningful to him or you both? What does he like/dislike? Would he like to go see a west-end show or an exhibition of his favourite XYZ?

      You could hit one of the german Xmas markets or head to italy for a long weekend or you could go somewhere like Morocco! You can get there and back (eg Luton to Marrakech with Ryanair for ~£63 each in December), book a couple of nights in a Riad and enjoy! Atlas blue was another company that flies there (the budget version of Royal Air Maroc) and Easyjet too. It might not be overly warm that time of year and a bit damp but it has to be warmer than here! Food and activities are fairly cheap once there unless you go mad and buy half the goodies in the souk! :o :whistle: I loved it and want to go back! Marrakech and Meknes were both great. (Meknes is a beautiful smallish town that was formerly the capital (near Fez) and it also has lovely roman ruins at Volubilis nearby). I didn't like Fez so much but it was still worth a look in!
      Mortgage free as of 12/08/20!
      MFiT-5 no 45
      You can't fly with one foot on the ground!
    • Annie021063
      Annie021063 Posts: 2,570 Forumite
      Part of the Furniture 1,000 Posts Combo Breaker
      twinklie wrote: »
      Right OH is 40 in December....any ideas what I can do for him. Not having a party given that most of his friends failed to turn up to the wedding (despite texting him in the morning that they were coming). And his family can be stressful!

      I was thinking of taking him away for the weekend. Ideas would be welcome.
      Why don't you set yourself a challenge to get him away for a nice treat using the least amount of money possible, either getting good deals, mystery stays or earn the money doing overtime, mystery shops etc.
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