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  • FIRST POST
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 5th Nov 11, 9:12 PM
    • 7,644Posts
    • 86,976Thanks
    Tilly MFW in 6 YRS
    Countdown to Freedom
    • #1
    • 5th Nov 11, 9:12 PM
    Countdown to Freedom 5th Nov 11 at 9:12 PM
    A new diary as we enter the last two months of 2011. I have been lurking for almost a year and have found so many of you inspirational, particularly Billy, Michelle, Radish, and Museum Worker.

    A bit of background I am married to a great man, two kids who are growing up too quickly, two cats and a dog! Never a dull moment in our household as you can imagine.

    I had my LB moment 12 months ago and started to work on my husband to bring him round as I thought we both needed to be on board to tackle this project. I have just asked him when he had his LB moment and he said 'when you told me I had' however he swiftly followed this up with 'when I realised we would never reduce the mortgage whilst battling with 'the large Spanish bank'!

    To set the stage for where we are and where we are aiming for:
    Current mortgage £312000 and I wince as I type the number, with the outstanding mortgage due to finish in 10 years. Aim is to clear the mortgage in 6 years. We are fortunate that we are both employed on good salaries however in this day and age who knows how long that will last.
    Onwards and upwards, my next post will be to build a picture of how I/we have put into practice all the things learnt from you great people.

    Thanks for reading and I hope some day I can inspire others the way some of you have inspired me/us.
Page 513
    • Watty1
    • By Watty1 12th Nov 17, 5:34 PM
    • 2,992 Posts
    • 21,303 Thanks
    Watty1
    Maybe buy him the matchbox version for his Christmas stocking
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaid next mortgage. £79,491 down to £27152
    Changing focus for now
    • Secret Saving Squirrel
    • By Secret Saving Squirrel 12th Nov 17, 10:29 PM
    • 1,982 Posts
    • 36,757 Thanks
    Secret Saving Squirrel
    We are now sharing a car, although we still have the camper as backup. I really thought it would be inconvenient, but it has been fine. And encourages us to walk and cycle more, so double benefits. Maybe Mr T would like a bike and trailer? X
    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
    • ch4rly2002
    • By ch4rly2002 6th Dec 17, 9:31 AM
    • 360 Posts
    • 1,511 Thanks
    ch4rly2002
    Phew, what a slog to catch up, but worth it. Well done on your amazing mortgage clearing achievement and I hope all goes well with the CAP money coach training
    Savings: Aim £13.5k. Dec 2016 £1,700 / Feb 2018 £12,350
    Mortgage: Dec 2014 -£216,000 / Mar 2018 -£191,390
    BTL Mortgage: Dec 2014 -£136,000/ Feb 2018 -£123,400
    CC 0%: Nov 2016 -£4,500 / Feb 2018 -£3,368.27
    Loan to In-Laws: Sep 2010 -£48,185.82 / Mar 2018 -£30,065.49
    Student Loan: March 2011 -£18,275.04 / April 2017 -£14,003.85
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 21st Dec 17, 8:22 AM
    • 7,644 Posts
    • 86,976 Thanks
    Tilly MFW in 6 YRS
    Hi Ch4rly, that was one hard slog reading all through my diary but if you!!!8217;ve picked maybe one tip, then I!!!8217;m one happy Tilly

    I start my training in the New Year and looking forward to helping others. CAP has been instrumental in improving the lives of many families by education and practical guidance.

    Have a great Christmas and good luck with your MFW journey !!!55357;!!!56845;

    Best wishes Tilly xx
    2004 £387k 29 years - MF March 2033
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15
    • apple muncher
    • By apple muncher 21st Dec 17, 8:47 AM
    • 7,477 Posts
    • 56,324 Thanks
    apple muncher
    Does Mr T have his new set of wheels yet?
    NST Survive July #4; NSD 9/15; Ex 13/20 ; craft / (77); remove 29 (509)
    2018 Pay off: £2334; 2
    018 sell £49.10; WLOSW /10

    Mortgage £20,809 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • ch4rly2002
    • By ch4rly2002 21st Dec 17, 10:57 AM
    • 360 Posts
    • 1,511 Thanks
    ch4rly2002
    Absolutely Tilly, I have learned lots but the absolute best is Tilly Tidying
    Savings: Aim £13.5k. Dec 2016 £1,700 / Feb 2018 £12,350
    Mortgage: Dec 2014 -£216,000 / Mar 2018 -£191,390
    BTL Mortgage: Dec 2014 -£136,000/ Feb 2018 -£123,400
    CC 0%: Nov 2016 -£4,500 / Feb 2018 -£3,368.27
    Loan to In-Laws: Sep 2010 -£48,185.82 / Mar 2018 -£30,065.49
    Student Loan: March 2011 -£18,275.04 / April 2017 -£14,003.85
    • greent
    • By greent 22nd Dec 17, 9:54 AM
    • 7,153 Posts
    • 72,834 Thanks
    greent
    Have a wonderful Christmas, Tilly family 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) £2772.47/£4000
    Net sales 2018 £558.92/£1000 PAYDOX18 (#15) Done £18918.90
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 24th Dec 17, 10:29 PM
    • 7,644 Posts
    • 86,976 Thanks
    Tilly MFW in 6 YRS
    Does Mr T have his new set of wheels yet?
    Originally posted by apple muncher
    Oh AppleMuncher, itís been comical. I swear his car wants to be sold. Itís broken down twice in one week. Once on a dual carriage way in a major city Test drive on Wednesday for a Skoda

    Absolutely Tilly, I have learned lots but the absolute best is Tilly Tidying
    Originally posted by ch4rly2002
    . Brilliant. They worked so well for us and I still do them now

    Have a wonderful Christmas, Tilly family xx
    Originally posted by greent
    Merry Christmas to you all GreenT. Shall we try and catch up in the New Year as Iím passing pretty close by to you

    Best wishes Tilly xx
    2004 £387k 29 years - MF March 2033
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15
    • smallholdingsister
    • By smallholdingsister 25th Dec 17, 3:46 AM
    • 3,601 Posts
    • 30,208 Thanks
    smallholdingsister
    Merry Christmas Tilly x
    • greent
    • By greent 26th Dec 17, 3:29 PM
    • 7,153 Posts
    • 72,834 Thanks
    greent


    Merry Christmas to you all GreenT. Shall we try and catch up in the New Year as Iím passing pretty close by to you
    Originally posted by Tilly MFW in 6 YRS
    That would be great!
    x
    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) £2772.47/£4000
    Net sales 2018 £558.92/£1000 PAYDOX18 (#15) Done £18918.90
    • Watty1
    • By Watty1 26th Dec 17, 4:58 PM
    • 2,992 Posts
    • 21,303 Thanks
    Watty1

    I start my training in the New Year and looking forward to helping others. CAP has been instrumental in improving the lives of many families by education and practical guidance.
    Originally posted by Tilly MFW in 6 YRS
    Just catching up. I am sure you will be awesome. A friend found them to be a lifeline, and I do not exaggerate when I use that word. I have so much respect for them but feel confident you will be an asset.
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaid next mortgage. £79,491 down to £27152
    Changing focus for now
    • FloppyDisk
    • By FloppyDisk 26th Dec 17, 5:46 PM
    • 636 Posts
    • 4,248 Thanks
    FloppyDisk
    I loved my Skoda, sure you will too!

    Mortgage Apr 18 £417,894
    Mortgage now --- £414,381
    BTL Mar 18 £162,857
    BTL now --- £162,753
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 28th Dec 17, 3:51 PM
    • 7,644 Posts
    • 86,976 Thanks
    Tilly MFW in 6 YRS
    Has everyone got clean spreadsheets or brand new notebooks ready? I always get ridiculously excited about the first of a new year

    Miss Tilly and I have emptied the freezer, sorted, returned stuff neatly and completed an inventory. Iíve menu planned through to first week of February and I have budgeted £5 per week for milk and fresh fruit and L!dl/Ald! fresh veg. That is all we need to buy. Iíd quite like to continue this challenge through to end February if possible. Time will tell.......

    We start the reno on our house this year and Mr T is 50 in the Spring I know Iíll be spending more time in Portugal in the coming year as Mr T wants me to oversee work. Oh what a sacrifice Iíll have to make . It should have started in Autumn last year but we had o delay due to some family health problems. All sorted now and we can focus.

    Any chance 2018 can go slightly slower than 2017? Iím sure we all feel the same but boy the year races by.

    Mr T liked the Skoda but as itís a brand new car, he doesnít want the depreciation. We are looking at similar cars but in conjunction with Mr Tilly junior who will very likely be buying the car off us when we vamoose abroad. At least this way we know Mr T will be happy with his car, I wonít be worried about breaking down and DS will have another car on the horizon.

    Mr T bought me a Christmas gift but was sadly ripped off. Heís pretty hacked off but the economical January will replace the money and thus we wonít feel out of pocket.

    Isnít it lovely that the nights are already drawing out . Every minute of extra light is an absolute joy. This time last year we were planning a house move and now we can look forward to a clean year ahead with no life changing events scheduled. Obviously the universe tends to throw stuff around but we can take it in our stride.

    We have a few breaks scheduled so far and are aiming for a trip somewhere every month. This could be a trip abroad, a long weekend, or a day trip in the U.K. We both feel that Ďa change is as good as a restí and it will give us something to look forward to. 3 people close to us have died recently, all our age group, and that really does remind one to enjoy life.

    I hope everyone has a good New Yearís Eve, whether thatís out partying or staying at home. Wishing good health, joy and peace for 2018.

    Best wishes Tilly xx
    2004 £387k 29 years - MF March 2033
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15
    • Goldiegirl
    • By Goldiegirl 28th Dec 17, 4:25 PM
    • 8,331 Posts
    • 48,895 Thanks
    Goldiegirl
    Hi Tilly, great to hear from you. Glad to read that you are settling in nicely

    I'm hoping to post more often in 2018, as I've really missed the supportive community on here.

    Have a wonderful 2018
    Early retired - 18th December 2014
    If your dreams don't scare you, they're not big enough
    • smallholdingsister
    • By smallholdingsister 28th Dec 17, 6:06 PM
    • 3,601 Posts
    • 30,208 Thanks
    smallholdingsister
    I am so enjoying the extra daylight. It feels like 20 minutes in the afternoon but I am probably kidding myself.
    • gallygirl
    • By gallygirl 31st Dec 17, 9:45 PM
    • 16,612 Posts
    • 109,706 Thanks
    gallygirl

    We start the reno on our house this year and Mr T is 50 in the Spring I know Iíll be spending more time in Portugal in the coming year as Mr T wants me to oversee work. Oh what a sacrifice Iíll have to make .
    Originally posted by Tilly MFW in 6 YRS
    Let me know if you need some support, am happy to oblige .
    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"
    • VintageHistorian
    • By VintageHistorian 31st Dec 17, 10:22 PM
    • 355 Posts
    • 2,261 Thanks
    VintageHistorian
    Happy 2018 Tilly, I hope all the renovations go well and you enjoy the time in Portugal!
    "You won't bloom until you're planted" - Graffiti spotted in Newcastle.

    Always try to be nice, but never fail to be kind - Doctor Who

    Overpayments in 2018 - £471.59 | Lose 1 stone - 0/14lbs |
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 1st Jan 18, 5:31 PM
    • 7,644 Posts
    • 86,976 Thanks
    Tilly MFW in 6 YRS
    Let me know if you need some support, am happy to oblige .
    Originally posted by gallygirl
    You're always welcome but I think I'd pick you up in Seville


    Tilly xxx
    2004 £387k 29 years - MF March 2033
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15
    • Secret Saving Squirrel
    • By Secret Saving Squirrel 2nd Jan 18, 6:22 PM
    • 1,982 Posts
    • 36,757 Thanks
    Secret Saving Squirrel
    Sounds like you have a great year ahead. Happy new year to you all. X
    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
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 22nd Jan 18, 4:51 PM
    • 7,644 Posts
    • 86,976 Thanks
    Tilly MFW in 6 YRS
    Afternoon, quick catch up. What news?

    The new freezer we bought when we moved has had to have surgery. Engineer came out to inspect and is replacing a drawer and runners this week. Not impressed with the quality

    Mr T has bought a car. It all came to a head when his existing one literally gave up the ghost. Whilst it could have been fixed we both lost confidence in it. Now have a new one that almost drives itself. DS is happy that it!!!8217;s ear marked for him when we vamoose.

    Menu planning is going well and the freezer is earning its keep. Portions are still reduced and none of us feel hunger 42lbs off

    The amount of rain we!!!8217;ve had in the last few days has been madness and I am wondering whether we should build an ark. Fortunately the longer term forecast seems to show a big improvement next week. On the plus side, all the bulbs are popping up and it will look glorious when they start flowering.

    Money saving - I!!!8217;ve managed to claw back the cash on Mr Ts dodgy purchase due to limited food purchases

    Health - all signs of flu, colds, coughs, aches etc have gone and the entire Tilly household are feeling perky.

    Giving -I!!!8217;ve collected loads of clothes for the homeless centre and am donating them this week. All washed, dried and ironed. Donation to food bank going in tomorrow. 2 items purchased from CS - I'm counting that under giving.

    Green - compost is doing well and everything which can be reused, recycled or given away !!!8216;is!!!8217;. Gardening club starts next month and I!!!8217;m looking forward to swapping seeds etc. Lettuce seeds are being planted in two old tree containers in order to have salads regularly. 2 pots, 2 x successional planting should give us salads through to June.

    Challenges- not enough time for all the fun stuff up here. With Mr Ts shooting and photography; our dancing and gardening; my, and sometimes our, walking; my volunteering and finally visits to NT which we have joined for a year, it!!!8217;s hard to fit everything in.

    Good news - Miss Tilly has passed her driving test. We were beginning to think she wouldn!!!8217;t She now tootles hither and thither.

    I hope everyone is either well or are on the road to recovery; keeping their Tilly Tidies going and lastly taking time out to laugh. This is a long old slog and sometimes we all lose track of enjoying the journey

    Best wishes Tilly xxxxx
    Last edited by Tilly MFW in 6 YRS; 22-01-2018 at 5:41 PM.
    2004 £387k 29 years - MF March 2033
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15
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