Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • rose_tinted
    • By rose_tinted 18th Aug 10, 10:01 AM
    • 65Posts
    • 363Thanks
    rose_tinted
    Rose's mortgage-free journey!!!
    • #1
    • 18th Aug 10, 10:01 AM
    Rose's mortgage-free journey!!! 18th Aug 10 at 10:01 AM
    Hi
    I have been lurking for a while and have decided to do my very own diary. The reason being we have bought a bigger house therefore a much bigger mortgage.
    I am quite frightened really as we are used to having a tiny mortgage. My plan is to do ebay and sell all my clutter (not that we have much as me and DH are not big spenders). Need some other ideas too please folks.
    My mortgage is 120,000, there I have written it down. Arghhhhh!!!
    Have been in touch with mortgage company to do internet banking,waiting for my passwords.
    Thats it for now. Please be gentle with me
    M xx
Page 2
    • Merchandiser2367
    • By Merchandiser2367 13th Mar 18, 7:38 PM
    • 172 Posts
    • 1,094 Thanks
    Merchandiser2367
    Love this diary! You're still determined 8 years down the line! Amazing stuff

    Proves that it is an up and down journey to be MF but determination is key.......especially as it is a long old slog!!
    Mortgage When Started Over Pay 01/11/2017- £146500
    Current Total - 12/05/2018 - £118,570 (With Offset
    £10k Savings)
    5 year fix - Aiming to overpay £1900 at least a month
    MFW by July 2021
    01/11/17 - £10k / £10k Emergency Savings
    • selloptape
    • By selloptape 13th Mar 18, 8:34 PM
    • 457 Posts
    • 1,890 Thanks
    selloptape
    The random numbers replace apostrophes on some devices hope they fix it soon.

    Welcome back!
    GC May £235.52/£290 GC April £240.65/£300March £322.53/£350
    £2 Savers Club #59 £58
    MFW 2018 #49 £600/£3,000
    MFiT T4 #21 - reduce mortgage by £20k over 3 years
    • enthusiasticsaver
    • By enthusiasticsaver 13th Mar 18, 10:09 PM
    • 6,609 Posts
    • 13,860 Thanks
    enthusiasticsaver
    Does anyone know how to correct the random numbers in my post above?
    Originally posted by rose_tinted
    This is a problem with apple devices.

    Go to settings
    Then Keyboards
    Then turn smart keyboard off.

    That will sort out the problem with apostrophes and no more random numbers.
    Debt free and mortgage free and early retiree. Living the dream

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages and Endowments, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com
    • rose_tinted
    • By rose_tinted 19th Mar 18, 1:29 PM
    • 65 Posts
    • 363 Thanks
    rose_tinted
    Thanks Enthusiastic saver, all sorted now.

    Well life is pretty good at the min, I can't believe the difference in a month. I can't wait for pay day to put some savings away. This is a huge change for me and hubby.

    I've been so careful. The trips to the co-op, or lack of them, have made such a difference.
    Paperwork sort today. I feel a lot more in control of everything. At the minute the table is full of paperwork. I'm having a break for lunch.

    Thanks to everyone that is reading, I'd love your input.

    The sun is shining too.....fabulous x
    • greent
    • By greent 19th Mar 18, 7:32 PM
    • 7,077 Posts
    • 72,123 Thanks
    greent
    Welcome back!
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/10 £104927 01/11 £89873 01/12 £76317 01/13 £52546 01/14 £35356 01/15 £12133 07/15 £NIL
    BTL Mtge 12/16 £69786. 2018 OPs (#18) £1068.37/£4000
    Net sales 2018 £522.39/£1000 PAYDOX18 (#15) £18564.38/£18918.90
    • rose_tinted
    • By rose_tinted 19th Mar 18, 9:47 PM
    • 65 Posts
    • 363 Thanks
    rose_tinted
    Thanks Greent. I'm going to have a look at your diary. Can't believe your mortgage is completely gone.Any of your best tips would be appreciated.
    Had leftovers for tea. DH and 3 DD's were impressed thankfully.

    Spent 4 hours sorting paperwork.
    DH was a star and shredded it for me,
    I'm feeling much more in control.
    Need to find Lego at a bargain price. Any ideas?
    • Kittenkirst
    • By Kittenkirst 20th Mar 18, 6:21 AM
    • 1,897 Posts
    • 10,193 Thanks
    Kittenkirst
    Hey Rose, welcome back

    My biggest tip is to do what's called 'tilly tidying' (named after a clever person posting on these boards): essentially you round things down for your overpayments.

    So for us, we regularly check our joint acct and if we have a balance I'd say £302.50 we overpay the 50p or the £2.50(dependent on what we know is still to come out of the account).

    Other people do it so that their mortgage balance always ends in 0. So if it's £123,456.35 they would OP the £6.35.

    It's only small incremental payments but they all do add up! I also do survey sites to earn a bit more but can be lazy on them- it does take a bit of effort.

    Well done on staying out of the coop for your top-up shops! I nipped to Tesco for milk yesterday and left with a bag full having spent £10.65....and almost forgot to get the actual milk so it's not just you!
    2018 MFW #20 - OP £1799.61/ £3000 60%
    Mar: £218 Apr: £528.91 May: £361.07

    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    Overpayments 2016 £255.50 2017 £2600.40
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

148Posts Today

1,725Users online

Martin's Twitter