I wanna be mortgage free!

taka

twinklie wrote: »

I'm a bit fed up tonight. I'm feeling a bit left out of the loop with regard to MSE just lately. Both the site and MS itself! I don't like this not having money in the bank business. Also, because my circumstances have changed so much I don't really fit into the main thread I contribute to anymore.

I didn't realise how much I used it until I started feeling left out. I need a new group I think. Just don't know what is relevant to me.

A glass of wine and some rubbish tv could be on the cards for the rest of the evening I think.

((((Hugs)))) Twinklie! Thats a bit pants... What is it that you want from a group that you are not getting? Do you want a challenge, support, trying to live on a reduced /complicated budget or something else? Or do you feel like you need to spend more time with your RL friends/family? It can't be easy with your OH now in Wales and you guys being separated a lot of the time... Have another hug... :grouphug: (sorry it looks dodgy!)

I think my favourite 2 threads on MSE are Hypno's DFW diary (she is AMAZING and such an determined, inspirational person who motivates others without realising it) and the 4k a year Challenge thread. The 4k thread is fab... a whole heap of lovely people who are watching the pennies for an amazing list of reasons (repaying debt, low income, illness, to travel, to save more, to overpay a mortgage, saving for a deposit, to simplify their life... the list goes on). Everyone's budget is different too. There have been several on there who have made massive changes towards where they want to be in life (or even just to work out what that is). I love it! :T

SmlSave

Hi twinkle this is for you..........

twinklie

Awww thanks guys. I was feeling really down yesterday and nothing much had changed today, however, you guys have really REALLY cheered me up!!!

THANK YOU!

I think it's the absence of a challenge or something to aim for. I'm doing the new MF3 challenge but I guess you only need to post on there once a month or so. Sooo I think I need to sign up to something and get myself a virtual support network again.

I'm going to have a sneaky peek at some of your suggestions whilst I wait for Tescos to deliver.

twinklie

Some more promising news....DH just called. Sounds like things are moving with his contract and he might actually get paid soon. Will be two paydays in one which would help us out MASSIVELY! Fingers crossed.

I also want a medal for being ace! Recycling is out, kitchen is clean, sandwiches are made, washing done and hung out! I just need to sort my lessons for tomorrow and then I'm done done done! Spooks and True Blood here I come!

pawlala

As soon as my mortage is paid off I'm moving to the Savings forums! Target shifted, easy peasy!

twinklie wrote: »

I think it's the absence of a challenge or something to aim for.

gallygirl

twinklie wrote: »

Some more promising news....DH just called. Sounds like things are moving with his contract and he might actually get paid soon. Will be two paydays in one which would help us out MASSIVELY! Fingers crossed.

I also want a medal for being ace! Recycling is out, kitchen is clean, sandwiches are made, washing done and hung out! I just need to sort my lessons for tomorrow and then I'm done done done! Spooks and True Blood here I come!

Pinning one on you right now

SmlSave

I also want a medal for being ace! Recycling is out, kitchen is clean, sandwiches are made, washing done and hung out! I just need to sort my lessons for tomorrow and then I'm done done done! Spooks and True Blood here I come!

Well done on getting all that done! you certainly deserve a medal True Blood is brilliant!

twinklie

Mortgage at start of November: £ 39,877.33
Overpayments in Blue.
Interest in Red.
Balance in Green.

Month: Payment (Std / OP) / Interest (per day) / Net reduction / Balance

September: 450.00 (328.81 / 121.19) / 183.83 (6.13) / 266.17 / 40'659.83
October: 450.00 (328.81 / 121.19) / £182.63 (5.89) / 267.96 / 40,391.28
November: 450.00 (328.81 / 121.19) / £180.33 (£6.01) / 269.67 / 39,877.33
December: 450.00 (328.81 / 121.19) / £179.12 (£5.78) / 270.88 / 39,606.45

Totals: Payment / Interest / Net reduction.

Grand Total: 1'800.00 / 725.91 / 1'074.68

evab_2

well done twink, figures looking good there!

ajmoney

Hey Twinklie,

Well done on reducing your interest, the figures look really good. Hopefully it has given you a bit of a boost