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  • FIRST POST
    • CathT
    • By CathT 2nd Sep 10, 11:22 AM
    • 5,593Posts
    • 39,042Thanks
    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.
    June 2018 -
    part 1 - 77,571
    part 2 - 45,272
    Total - 122,843
Page 225
    • michelle09
    • By michelle09 11th Mar 18, 9:40 PM
    • 787 Posts
    • 4,369 Thanks
    michelle09
    Thanks. Might be something to consider - they were 4k short of the amount we needed when we first took out a mortgage but we might qualify on our next remortgage. Not that HSBC have been a problem, but FD are a bit cheaper.

    Naps are highly underrated.

    Is DS feeling better today?
    • shangaijimmy
    • By shangaijimmy 11th Mar 18, 9:46 PM
    • 2,736 Posts
    • 13,597 Thanks
    shangaijimmy
    Talking about naps, one of my New Years resolutions (in fact me only one) was to snooze more. I'm currently failing in this regard as at best i think i've had one snooze in 2018.
    Originally posted by shangaijimmy
    Reckon i managed a paltry 10mins snooze! DS2 wouldn't leave me alone.
    MFW: Turning June 2036 into March 2025... 39//120 Payments Challenge, Diary Reduction 42,061.17
    Aug 2009: 163,051 // Current: 93,938.84 // Avg Daily Interest 4.22
    MFiT-T4 #8 - 74.24% of 41,000
    • CathT
    • By CathT 11th Mar 18, 10:12 PM
    • 5,593 Posts
    • 39,042 Thanks
    CathT
    Fingers crossed they!!!8217;ll lend you enough this time Michelle. He is a lot better thank you, eaten well and temp 37.5 when I!!!8217;ve checked. I let him fall asleep downstairs though and carried him to bed as he was worried about the noises he was making when he!!!8217;s breathing. He!!!8217;s pretty self aware and was obviously worried. Fingers crossed he!!!8217;ll be back to normal soon.

    Cat naps don!!!8217;t count Jimmy!
    June 2018 -
    part 1 - 77,571
    part 2 - 45,272
    Total - 122,843
    • CathT
    • By CathT 11th Mar 18, 10:15 PM
    • 5,593 Posts
    • 39,042 Thanks
    CathT
    Forgot about the apostrophe issue. Wish they would sort it out!
    June 2018 -
    part 1 - 77,571
    part 2 - 45,272
    Total - 122,843
    • AlexLK
    • By AlexLK 11th Mar 18, 10:46 PM
    • 6,085 Posts
    • 32,227 Thanks
    AlexLK
    I also wish they'd sort the apostrophe issue out.
    2018 totals:
    Savings 7,600
    Mortgage Overpayments 1,750
    • apple muncher
    • By apple muncher 12th Mar 18, 6:10 AM
    • 7,390 Posts
    • 55,661 Thanks
    apple muncher
    I think the apostrophe is a windows issue. Also think that karmacat has a page of entries about it, along with a solution.
    NST June Odyssey #20; NSD 13/15; Ex 18/20 ; craft 8/ (69); remove 76 (433)
    2018 Pay off: 2110; 2
    018 sell 44.20; WLOSW /10

    Mortgage 21,033 (01/14: 78,201; 01/15: 59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • michelle09
    • By michelle09 12th Mar 18, 2:59 PM
    • 787 Posts
    • 4,369 Thanks
    michelle09
    Depends where I'm working by then but it would be nice!

    That's good to hear. Is he off school still?
    • CathT
    • By CathT 12th Mar 18, 9:26 PM
    • 5,593 Posts
    • 39,042 Thanks
    CathT
    I think the apostrophe is a windows issue. Also think that karmacat has a page of entries about it, along with a solution.
    Originally posted by apple muncher
    I had a look Apple but think I might need to go back a few more pages. Thank you for that.

    Depends where I'm working by then but it would be nice!

    That's good to hear. Is he off school still?
    Originally posted by michelle09
    He's not needed any days off school thankfully, temp fine now but still coughing. He didn't go to his swimming lesson after school though. DH has started with a really sore throat now and didn't look well this evening. 2.99 on str3psils on the way home will hopefully keep him from having a sick day!

    We have 14.81 to last us 7 days. DH reassured me it was achievable but then mentioned his petrol light came on today! I personally don't see it lasting.

    50p on y0ugov so up to 42 on there now. Workout done after work (endorphins needed after a stressful day) and mfp has kept me on track today although I did have some interesting combinations of food to try and hit my macros. Have drunk at least 3 litres of water and hit my 10k steps. Not a great deal of reading happening but I can't do it all
    June 2018 -
    part 1 - 77,571
    part 2 - 45,272
    Total - 122,843
    • shangaijimmy
    • By shangaijimmy 12th Mar 18, 9:40 PM
    • 2,736 Posts
    • 13,597 Thanks
    shangaijimmy
    DH can be like a teenager again putting 3 of fuel in!!
    MFW: Turning June 2036 into March 2025... 39//120 Payments Challenge, Diary Reduction 42,061.17
    Aug 2009: 163,051 // Current: 93,938.84 // Avg Daily Interest 4.22
    MFiT-T4 #8 - 74.24% of 41,000
    • CathT
    • By CathT 15th Mar 18, 9:26 PM
    • 5,593 Posts
    • 39,042 Thanks
    CathT
    He was an irresponsible grown up Jimmy and put half a tank on the cc! I used to put 5 a week in my first micra, petrol was 79.9p a litre then.

    Everyday food spends currently going on cc to keep current account in credit, 12 left in there. We are not too far off payday so not too worried.

    It is our wedding anniversary today and we kept it cheap! No cards exchanged (dh refused to do this on Valentine!!!8217;s Day) and I got him a ticket to a local event he wanted to go to so he is really pleased with that and only 15 spent.

    Will try and mostly eat from the freezer this week. Need to get some steak out for dinner tomorrow and there is plenty of other stuff in there. Will just need a top up shop of fruit and fridge items.

    10k steps hit each day and finding it easier each time. Just need to make more of an effort to get up earlier to get plenty done before work (5k would be ideal).
    June 2018 -
    part 1 - 77,571
    part 2 - 45,272
    Total - 122,843
    • shangaijimmy
    • By shangaijimmy 15th Mar 18, 10:29 PM
    • 2,736 Posts
    • 13,597 Thanks
    shangaijimmy
    I was also a first car "Micra-power" owner! L reg, though no idea of petrol costs!!
    MFW: Turning June 2036 into March 2025... 39//120 Payments Challenge, Diary Reduction 42,061.17
    Aug 2009: 163,051 // Current: 93,938.84 // Avg Daily Interest 4.22
    MFiT-T4 #8 - 74.24% of 41,000
    • Brodiebobs
    • By Brodiebobs 16th Mar 18, 2:38 PM
    • 775 Posts
    • 3,304 Thanks
    Brodiebobs
    He was an irresponsible grown up Jimmy and put half a tank on the cc! I used to put 5 a week in my first micra, petrol was 79.9p a litre then.

    Everyday food spends currently going on cc to keep current account in credit, 12 left in there. We are not too far off payday so not too worried.

    It is our wedding anniversary today and we kept it cheap! No cards exchanged (dh refused to do this on Valentine!!!8217;s Day) and I got him a ticket to a local event he wanted to go to so he is really pleased with that and only 15 spent.

    Will try and mostly eat from the freezer this week. Need to get some steak out for dinner tomorrow and there is plenty of other stuff in there. Will just need a top up shop of fruit and fridge items.

    10k steps hit each day and finding it easier each time. Just need to make more of an effort to get up earlier to get plenty done before work (5k would be ideal).
    Originally posted by CathT
    Happy Anniversary!!

    How do you do so many steps i struggle to get 5k a day, never mind before breakfast!
    Addicted to MSE.
    Overpaying mortgage for a better debt free life!
    • CathT
    • By CathT 16th Mar 18, 7:56 PM
    • 5,593 Posts
    • 39,042 Thanks
    CathT
    Thanks Brodiebobs, I step on the spot and walk up and down kitchen. Can get a few steps in dashing around the office but otherwise I am sat at a desk or in my car. I just make a really conscious effort, my steps used to be abysmal.

    50p on yougov yesterday so will check available surveys again in the morning. Need to work out recent cc spends, thankfully car passed mot so just 40 spent on the test. Just spent 23 on cinema tickets for us all tomorrow then the children have free passes for a trampoline place nearby.

    Got home to an amazing dinner cooked by dh, steak with roasted veg, sweet potato wedges and peppercorn sauce. Have tried to eat lots of protein today so I can have wine this evening he has also bought me some lilies and roses so I have put them in one vase and it is a lovely display which makes me smile when I see them.
    June 2018 -
    part 1 - 77,571
    part 2 - 45,272
    Total - 122,843
    • CathT
    • By CathT 17th Mar 18, 10:47 AM
    • 5,593 Posts
    • 39,042 Thanks
    CathT
    I logged my wine into MFP last night so I could still track, DH drank the rest. He is still in bed I have been to check on him but think he might feel rough when he wakes up so have left him there! Washing machine on, one bed stripped, recycling out, generally tidied up and account checked so far. 'Found' 68 in dh bills account, I'd messed it up last month and over compensated this month I think.His pension doesn't go out until after payday so I have transferred it back into current account.

    25 points on y0ugov this morning, 40p tilly tidy and listed 2 items on 3bay. Best not peak too soon
    June 2018 -
    part 1 - 77,571
    part 2 - 45,272
    Total - 122,843
    • newgirly
    • By newgirly 17th Mar 18, 11:35 AM
    • 6,335 Posts
    • 43,801 Thanks
    newgirly
    Wishing you a belated happy anniversary cath
    MFW 21
    Target for 2018 40k/13,632 paid so far

    Mortgage 36,319 4yrs left. Total owed 48,358 plan to clear in 14 months
    • michelle09
    • By michelle09 17th Mar 18, 5:33 PM
    • 787 Posts
    • 4,369 Thanks
    michelle09
    Happy belated anniversary CathT.
    • CathT
    • By CathT 18th Mar 18, 7:45 PM
    • 5,593 Posts
    • 39,042 Thanks
    CathT
    Thanks both, next year is 15 years so hopefully we will celebrate in style!

    Had a much needed relaxing Sunday. Yesterday was busy and tiring as we went to see the new Peter Rabbit film which was fab and then went to a trampolining place nearby. I was starting to flag so I came home after cinema and dh had a lift back with the children. Not sure if my iron is dipping again but I felt quite odd. Anyway, after sleeping for almost 11 hours last night I feel good today. It snowed last night so football was cancelled (so I have overpaid the 2). Sadly it didn't effect the end date but it will have contributed!

    DH went to @rgos to collect a lightshade for ds bedroom an some towels. I believe I am at time in my life where I have earned colour co-ordinated towels! This was all paid with vouchers but didn't have enough for the shower room ones so will get that when the rest arrive (should have 70 on the way). The vouchers will also need to be spent on a microwave as ours smelt of burning earlier so is out of action. We will have to go back to basics for a while to heat things up.

    Listed two items on 3bay yesterday and one has already had 2 bids and is sitting at 26 so that will be a nice sum of money when the auction ends. The items were really quick to list so maybe I will find a bit of 3bay mojo at long last.

    One more week for us and then it is Easter holidays which I can't quite believe especially as it's still freezing! Hoping it warms up so we can use our NT passes and get plenty of fresh air as young children with cabin fever is not ideal.

    I'm off now for a de-caff coffee and two of my lindt chocolates which I have managed to fit into todays macros whilst watching Str@nger Things.
    June 2018 -
    part 1 - 77,571
    part 2 - 45,272
    Total - 122,843
    • CathT
    • By CathT 20th Mar 18, 10:37 PM
    • 5,593 Posts
    • 39,042 Thanks
    CathT
    Quick post from me as I am exhausted.

    Still plodding on, current account remains in credit as we survive the last couple of days before payday. No major food spends and actually dont seem to have been near the supermarket much lately. Macros and steps hit and losing lbs!

    In an effort to be positive I have done a load of washing with the intention of hanging it on the line before work. No doubt I will freeze whilst doing so but I am hopeful the day will warm up and the clothes will dry!

    Have a y0ugov survey available but it will have to wait until tomorrow as I do not have energy left for today!

    Tried to salvage the microwave today but a patch I tried to rub a burn off removed the top layer of the microwave! I was positive i would be able to save us some money! Anyhow, more vouchers arrived so now have 30 for @rgos. Have another 50 on the way but will just pay the 15 difference and dh will pick up a new microwave tomorrow.

    25 cheque also written for childcare for the holidays. I still need to pay 70 football and swimming fees (forgotten amount as it is too scary!)
    June 2018 -
    part 1 - 77,571
    part 2 - 45,272
    Total - 122,843
    • shangaijimmy
    • By shangaijimmy 21st Mar 18, 7:25 AM
    • 2,736 Posts
    • 13,597 Thanks
    shangaijimmy
    We have a microwave clinging onto existence and now I'm certain our dishwasher picks its own program! Houses are conspiring against us!
    MFW: Turning June 2036 into March 2025... 39//120 Payments Challenge, Diary Reduction 42,061.17
    Aug 2009: 163,051 // Current: 93,938.84 // Avg Daily Interest 4.22
    MFiT-T4 #8 - 74.24% of 41,000
    • CathT
    • By CathT 21st Mar 18, 10:18 PM
    • 5,593 Posts
    • 39,042 Thanks
    CathT
    I was convinced I would be able to salvage it. Am just grateful we have had 150 vouchers just for recommending the company that are doing our PPI claim for us as the vouchers are well timed.

    It is almost payday. 45p tilly tidy made today and played around with the spreadsheet a little. Another OP of 310 would knock a month off the end date. Another 50p survey on y0ugov today too.

    Still very focused on my nutrition and exercise and seeing progress which is motivating. I am really in the zone at the moment and would quite like to stay there!
    June 2018 -
    part 1 - 77,571
    part 2 - 45,272
    Total - 122,843
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