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I wanna be mortgage free!
Comments
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Just thought I would update you. OH's week ended far better than it started. He came in buzzing from his first year classes. They think he is mad as he jumps and skips around the classroom but they are his favourite, probably as they are his from the start. Third years aren't so good for him but he shares them with HOD which is tough. He is already rebelling against the system and has found a way to incorporate teaching the kids to read music in his lessons, we are both traditionalists and think that they should be able to read music if they are studying it.
Thanks for your words of support earlier in the week, even if they haven't really hit home in his head yet they have helped me to help him in a round about way.MFW 2025 No. 7 £1130/£1200
MFiT-T7 No. 6 £2873.51/£30,0000 -
Awww aj I'm so pleased his week got better. I find yr 7's a easily molded (until Easter when they start to get a sense of their own importance
), Year 9 are a royal pain in the bottom and Year 11 DO NOT like change....then they usually love you by the end, but would never say so! Ha ha. The ones in between are !!!!! cats!
Madness is the best way round it...keeps the kids on their toes. It's also the route I take. The biggest challenge I face everyday is trying not to laugh when I shouldn't. I don't often manage it!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 370 -
OH is applying for a PhD at Bangor Uni. If he gets it he'd need accommodation down there so we were thinking of getting a caravan - a big static one. We realise you can't live in them year round (unless you get a residential one) and hopefully he wouldn't have too - but if push comes to shove I'm sure my sister would let him stay at her big old house!
We figure it makes more sense than renting as we'd get to keep and use it as a holiday home then as well - because we go down there every year several times as thats more or less where my sister lives.
He's also apply for a job at Man Met which would see him off in the Kalahari desert for 4 weeks. I'm quite jealous actually. I'm stuck here - a place I hate whilst he'd be off exploring! Still, it'd make him happy which I know he isn't at the minute!
Part of me wants him to get the PhD though so we can buy the caravan! It means I wouldn't see him Mon - Thurs but then I get the option of going to Wales every weekend and holidays, therefore seeing more of my sister and nephew in the process! Of course I expect he'd want to come back here occasionally too. I'd get half term holidays then and it wouldn't cost me anything.
If he doesn't get either...bonus, he stays here with me. It's win win!
Fingers crossed he gets one though because it's more money and better prospects!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 370 -
Just updated my MS spreadsheet and after all the free shopping and meals out it looks like the tax man owes me £1.11 ish.
Now if only I could get some more free petrol!!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 370 -
Right DH has sent off his PhD application and I've finally figured out what I'm doing for my portfolio. Going to try my best to finish it tonight so that I can print it out tomorrow ready for sending. I'd quite like to do my SOW tomorrow as well - OH is out on an ORCA survey over to the Isle of Man so it'll be quiet here.
I would be much quicker with my portfolio if I didn't keep updating my word count on the list above! Ha ha ha
EDIT: Bloody typical. I've emailed tutor about submission who is out of office...so emailed the person she said to contact...who is out of office...emailed the person......you get the idea. The loop finished with the person I'd emailed in the first instance!!!!! :eek: I tell you they couldn't organise a p!ss up in a brewery.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 370 -
Twinklie
Good to hear OH got his application off; hopefully he'll be successful so you can both move on with the plans.
Regarding the out of office; I think those of us who travel a lot fall foul of this in terms of highlighting staff delegated to receive messages, we set the dates but don't always modify the listings (mine has some 7 topic areas and about three people for each one)
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A good start to OHs week, the HOD mysteriously found some resources this afternoon after he was quizzed this morning. He has also kind of stated what should be covered and when so things are looking up.MFW 2025 No. 7 £1130/£1200
MFiT-T7 No. 6 £2873.51/£30,0000 -
HOD's are good at mysteriously doing stuff like that! I kinda just got on with it after a while of asking and figured if I missed anything then it can't have been that important. GCSE's obviously have specifications from that must be covered from the exam board. But for me the scrapping of the sats has been liberating. Now we can teach things that are useful AND the kids are interested in.
Anyhoo...my funds have cleared into my new ISA so I can start paying in now! It's very exciting! Not quite got as much in there as I would have liked though...so it's time to build savings back up as best as I can. Fingers crossed I've not set the D/D too high. September could be a lean month if I have! Ha haReduction 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 370 -
OOOh I have an ebay watcher...it's very exciting. I can never sell anything on ebay. I think someone is trying to tell me something! Ha haReduction 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 370 -
Yay Twinkle
you are doing really well
Debt £30,823.48/£44,856.56 ~ 06/02/21 - 31.28% Paid OffMortgage (01/04/09 - 01/07/39)
£79,515.99/£104,409.00 (as of 05/02/21) ~ 23.84% Paid Off
Lloyds (M) - £1196.93/£1296.93 ~ Next - £2653.79/£2700.46 ~ Mobile - £296.70/£323.78
HSBC (H) -£5079.08/£5281.12 ~ HSBC (M) - £4512.19/£4714.23
Barclays (H) - £4427.32/£4629.36 ~ Barclays (M) - £4013.78/£4215.82
Halifax (H) - £4930.04/£5132.12 ~ Halifax (M) - £3708.65/£3911.20
Asda Savings - £0
POAMAYC 2021 #87 £1290.07 ~ 2020/£3669.48 ~ 2019/£10,615.18 ~ 2018/£13,912.57 ~ 2017/£10,380.18 ~ 2016/£7454.80
~ Emergency Savings: £0
My Debt Free Diary (Link)0
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