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  • FIRST POST
    • CathT
    • By CathT 2nd Sep 10, 11:22 AM
    • 5,543Posts
    • 38,648Thanks
    CathT
    CT's attempt at being mortgage free
    • #1
    • 2nd Sep 10, 11:22 AM
    CT's attempt at being mortgage free 2nd Sep 10 at 11:22 AM
    Hi all,

    Originally came across this forum and had the idea of OP in the short term while interest rates so low but have been so inspired to make being MF a realistic goal.
    Initially was inspired by Financial Bliss's diary and then read many others taking in lots of tips and posting the occasional comment.

    So, a bit about me. Live with DH and DD (aged 2) with outstanding mortgage of just over 119,000 with about 19.5 years left on the term. We are young ish! and would hope to be MF by time i'm 40 (DH 45) so pretty much a 10 year ish plan.

    We have a fair income (about 40k joint) but have been used to living on a lot less so am hoping to direct disposable income at mortgage)

    Thanks for reading so far and I hope you will join me on my journey to keep me motivated!!
    Last edited by CathT; 20-12-2011 at 1:49 PM.
    May 2018 -
    part 1 - £77,906
    part 2 - £45,391
    Total - £123,297
Page 221
    • CathT
    • By CathT 29th Jan 18, 7:25 AM
    • 5,543 Posts
    • 38,648 Thanks
    CathT
    Absolutely newgirly, sunshine gives me so much energy. Windy and raining here again this morning so will have to keep hoping.

    Sore throat lingers on, blood test later and I need to find a way of feeling 35 not 85!!
    May 2018 -
    part 1 - £77,906
    part 2 - £45,391
    Total - £123,297
    • CathT
    • By CathT 1st Feb 18, 9:40 PM
    • 5,543 Posts
    • 38,648 Thanks
    CathT
    Keeping spends low mostly helped by being super busy and only going to work and nowhere else! 200 points on y0ugov last few days helped by a 150 point survey. Why can't there be more of those??!?

    Considering giving up gluten when we get back from Rome, not giving it up the week before we'll be living on pizza and pasta! I stopped eating meat 2 weeks before our last all inclusive holiday!

    Have been browsing colour charts for the decorating being done in a couple of weeks. We're looking a various shades of grey and already have goose down grey in family area, snug and dd bedroom. Will probably go for a deeper shade for ds bedroom and hall, stairs and landing. Am so looking forward to finally having a finished house! I understand in reality that will be shortlived as there will soon be more jobs to do and decorating just highlights which other rooms need doing!

    Hoping to manage a few chapters of my book before falling asleep, it took me a while to pick it up but started last night and it's great so far!
    May 2018 -
    part 1 - £77,906
    part 2 - £45,391
    Total - £123,297
    • CathT
    • By CathT 3rd Feb 18, 10:59 AM
    • 5,543 Posts
    • 38,648 Thanks
    CathT
    50 points on y0ugov this morning. DH has gone to get the euros for our Rome trip this week. Bit annoyed about the forecast rain but hopefully it won't be as bad as the forecast predicts. We'll pack over the weekend which won't take long as it's such a short trip. Have transferred £515 to decorating fund and current account looking healthy so we're splashing out on more wine for this evening.

    This time next week I'll set us a strict budget and mini challenge as payday will only be two weeks away and I want to make a mortgage OP and pay some more money off the holiday(s).

    Plan for the rest of the day is cleaning and to find some time for a hot chocolate and few chapters of my book.
    May 2018 -
    part 1 - £77,906
    part 2 - £45,391
    Total - £123,297
    • Goldiegirl
    • By Goldiegirl 3rd Feb 18, 4:19 PM
    • 8,330 Posts
    • 48,852 Thanks
    Goldiegirl
    We've painted out living room walls grey and will do the same in the dining room. I find it to be a relaxing colour, and it seems quite 'on trend' at the moment

    It was quite springlike here earlier this week, with bright sunshine - makes you feel so much better.

    Hope your sore throat improves soon
    Early retired - 18th December 2014
    If your dreams don't scare you, they're not big enough
    • smallholdingsister
    • By smallholdingsister 3rd Feb 18, 5:43 PM
    • 3,591 Posts
    • 30,127 Thanks
    smallholdingsister
    We did our breakfast room in the bnb "polished silver".

    How are the energy levels Cath?
    • pinkypig
    • By pinkypig 3rd Feb 18, 8:39 PM
    • 1,204 Posts
    • 9,912 Thanks
    pinkypig
    Hot chocolate and a book sounds just what's needed. Hope you found the time.

    Enjoy Rome as
    • michelle09
    • By michelle09 4th Feb 18, 5:54 PM
    • 777 Posts
    • 4,277 Thanks
    michelle09
    Rome is actually really good for keeping off gluten, but I get what you mean.

    We haven't got grey walls because we have grey carpets and it might be a little much!

    Have a wonderful trip.
    • CathT
    • By CathT 4th Feb 18, 9:38 PM
    • 5,543 Posts
    • 38,648 Thanks
    CathT
    Throat much better, didn!!!8217;t last long. Energy levels not so much.
    Am waiting for latest results to be reviewed by GP, am assuming they are in range as have been on iron for over 3 months again. I just want to be able to ask for them to be reviewed again in a couple of months.

    Still browsing shades of grey and think we!!!8217;ll go for darker shades that what we have used elsewhere. Will have a look at your shades too for inspiration.

    25p on y0ugov, have also collected extra nectar points vouchers over the weekend and both cars are full of fuel in £10 increments! All washing up to date but the dryer has been on all day, roll on Spring and line dried washing!

    The children are making me feel very guilty about our mini break especially ds who keeps expressing how much he will miss me!
    May 2018 -
    part 1 - £77,906
    part 2 - £45,391
    Total - £123,297
    • newgirly
    • By newgirly 5th Feb 18, 8:29 AM
    • 6,269 Posts
    • 43,314 Thanks
    newgirly
    Ah bless him! I'll swap you Cath as ours love to get rid of us
    MFW 21
    Target for 2018 £40k/£11,092 paid so far

    Mortgage £38,275 4yrs 1mth left. Total owed £50,898 plan to clear in 14 months
    • apple muncher
    • By apple muncher 5th Feb 18, 7:23 PM
    • 7,277 Posts
    • 54,773 Thanks
    apple muncher
    Dd manages to make me feel guilty for going to work at 6.30am, as she doesn't get to see me! And it is only once a week!
    NST May #1; NSD 14/19 ; Ex 17/20 ; craft 3/30 (66); remove 31 (402)
    2018 Pay off: £1626; 2
    018 sell

    Mortgage £21,422 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • CathT
    • By CathT 5th Feb 18, 9:30 PM
    • 5,543 Posts
    • 38,648 Thanks
    CathT
    Give mine time Newgirly and I!!!8217;m sure they!!!8217;ll feel the same! They were very entertaining when I dropped them off at my mums so I!!!8217;m sure they!!!8217;ll all have a lovely time. I!!!8217;ve sent them with more stuff than we are taking away with us!

    That!!!8217;s an early start apple, at least it!!!8217;s only once a week like you say.

    Returned the hat I bought from Mr S which was £14 and dh got me a much better one from primarni for £2!! It!!!8217;s more my colour too as I can!!!8217;t wear black, it makes me look awful.

    Have frozen some bread and chicken that won!!!8217;t get used to avoid waste and I!!!8217;ve just decluttered the jelly!

    Should be having an early night as got an early start tomorrow but I might fall asleep on the budget airline to get me through it!
    May 2018 -
    part 1 - £77,906
    part 2 - £45,391
    Total - £123,297
    • muddywhitechicken
    • By muddywhitechicken 5th Feb 18, 9:36 PM
    • 3,914 Posts
    • 35,964 Thanks
    muddywhitechicken
    Safe travels and I hope you have a fabulous time
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: <£30,000
    Current total overpayments: ~£128,250
    • gallygirl
    • By gallygirl 5th Feb 18, 9:51 PM
    • 16,589 Posts
    • 109,545 Thanks
    gallygirl
    Have a wonderful time
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    Mortgage Balance = £0
    "Do what others won't early in life so you can do what others can't later in life"
    • apple muncher
    • By apple muncher 6th Feb 18, 7:34 AM
    • 7,277 Posts
    • 54,773 Thanks
    apple muncher
    Enjoy the freedom x
    NST May #1; NSD 14/19 ; Ex 17/20 ; craft 3/30 (66); remove 31 (402)
    2018 Pay off: £1626; 2
    018 sell

    Mortgage £21,422 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • greent
    • By greent 7th Feb 18, 9:15 AM
    • 7,008 Posts
    • 71,557 Thanks
    greent
    Have a lovely break xx
    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) £877.49/£4000
    Net sales 2018 £491.03/£1000 PAYDOX18 (#15) £13869.38/£18694.38
    • CathT
    • By CathT 10th Feb 18, 10:37 AM
    • 5,543 Posts
    • 38,648 Thanks
    CathT
    Thanks everyone. Rome was brilliant but exhausting! We saw most of what we wanted to but didn!!!8217;t really have any down time. I have definitley fallen in love with Italy. Came home with some Euros so changed them back yesterday and will pay off cc. Rest of deposit for September holiday is due by next week so I need to check the accounts and set a super strict budget. We are off out with the children later for a Chinese buffet but that will be the last of the big spends. Best update is that my mum had a wonderful time with the children and rang me yesterday to say she missed them! <ponders another child free city break>
    May 2018 -
    part 1 - £77,906
    part 2 - £45,391
    Total - £123,297
    • smallholdingsister
    • By smallholdingsister 10th Feb 18, 12:27 PM
    • 3,591 Posts
    • 30,127 Thanks
    smallholdingsister
    Welcome home.

    You got very sweary in Italy!
    • CathT
    • By CathT 11th Feb 18, 7:19 PM
    • 5,543 Posts
    • 38,648 Thanks
    CathT
    Haha, I blame the gremlins - seeing them everywhere at the moment. Surplus funds paid off cc and strict budget set for next 11 days. £100 food and fuel (we will keep swapping cars to help the budget) and £100 left in current account which in theory we don't need. £28 spent at Chinese yesterday and £15 on car valet. Should have been £18 but there was a delay so they gave us a discount I didn't expect. Football was called off for dd today so think I'll send the £2 to the mortgage as well as sweeping up any pennies for a tilly tidy.

    Car booked in for MOT in a couple of weeks and dh's car due its first one next month so crossing fingers for a smooth pass. All necessary tyres have been replaced so hoping that's enough!

    Still feeling exhausted so have started taking a calcium/vit d/magnesium supplement. Blood results were ok but Hb needs to be re-checked although was in normal range. A colleague commented last week that I haven't 'been right' since I had pneumonia and I have to say I agree.

    Only working 3 days this week which is most welcome so no need to wish the week away.
    May 2018 -
    part 1 - £77,906
    part 2 - £45,391
    Total - £123,297
    • Secret Saving Squirrel
    • By Secret Saving Squirrel 11th Feb 18, 7:27 PM
    • 1,983 Posts
    • 36,750 Thanks
    Secret Saving Squirrel
    So glad you had a good break in Rome. It is one of my favourite places in the world. Are you planning the next trip already?
    Paid off mortgage nine years early in 2013. Now picking and choosing our work to fit in with the rest of our lives!
    Still thrifty though, after all these years
    • CathT
    • By CathT 11th Feb 18, 7:59 PM
    • 5,543 Posts
    • 38,648 Thanks
    CathT
    Hi SSS, Rome is pretty special isn't it. No firm plans for another city break as have two family holidays booked for this year aswell. Wouldn't hurt to have a think about where to go next though. I am definitely enjoying life along the way as we strive for mortgage freedom.
    May 2018 -
    part 1 - £77,906
    part 2 - £45,391
    Total - £123,297
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