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  • FIRST POST
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 5th Nov 11, 9:12 PM
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    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 514
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 26th Jan 18, 7:18 PM
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    Tilly MFW in 6 YRS
    Evening, if anyone know where the free film thread hangs out could you let me know please? I am guessing theyíve opened up a FB group and Iíd very much appreciate any help and advice.

    Best wishes Tilly xxx
    2004 £387k 29 years - MF March 2033
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15
    • misscousinitt
    • By misscousinitt 27th Jan 18, 10:11 AM
    • 3,611 Posts
    • 20,870 Thanks
    misscousinitt
    Hi Tilly

    Just caught up on your last few pages - I have been very sporadic on the diaries for the last 12 months.

    What a lot has happened in a year. Glad you've got your new home as you want it and your money saving continues apace. Well done on the weight loss and I was really pleased to read that your health scare wasn't as serious as it could have been - glad you are fighting fit now.

    Good luck with all your future plans and I hope to be a more regular visitor to your diary.

    MCI x

    PS off to catch up with MWC next, I think that will be the last one for now...
    Mortgage Free x 1 03.11.2012 - House rented out Feb 2016
    Mortgage No 2: £91,471.25 (11.01.2018)
    OP's to Date £5500

    Renovation Fund:£736.95;
    Nectar Points Balance: approx £2.50 (after microwave purchase
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 12th Mar 18, 8:58 AM
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    Tilly MFW in 6 YRS
    Morning, heading towards the middle of March already. Really does show why you need good control of your finances and planning, otherwise the year would whiz by just on hopes.

    I feel I need a list like GallyGirl but it may be too long. Iíve taken to writing a note on my phone each evening, of what I need to achieve the following day. I definitely need to tick things off in order to feel mentally whole - hope that makes sense.

    Off on my travels this month and Iím choosing the flooring hopefully for the renovation. Exciting times ahead but bl@@dy scary as well.

    Mr T is a busy bee and has finally got a good mix of working from home and travelling. No good to be constantly doing one or the other, as I know from personal experience. Finding that balance isnít always easy though.

    Tilly juniors are ok. DS had a bit of a freak out that he may have failed an exam - he can resit and fortunately hasnít failed anything so far in a year of exams every week.

    DD is improving her fitness and working hard. Hard to think she may have left home permanently in September. May be a few tears BUT it will also be good for me and Mr T. Ballroom and Latin dancing is going well . We are often to be seen dancing round the kitchen and bedroom - no thatís not a euphemism

    Hope everyone is well and looking forward to Spring arriving - eventually.

    Best wishes Tilly xx
    2004 £387k 29 years - MF March 2033
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15
    • brizzlegirl
    • By brizzlegirl 5th Apr 18, 8:51 AM
    • 212 Posts
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    brizzlegirl
    Happy Easter Tilly and have a great month travelling and plotting and planning xx
    MFW..aiming to pay it off in 2022.. 2018 Savings Rate - Goal 25% [25.2% March 13% April ] Income Goal £56/£750 May Goals: AFDs xx/15; Declutter 60 items xx/60; LSDs xx/10; NSDs xx/10 Exercise xx/30 Aiming to be a true Frugalista!
    • brizzlegirl
    • By brizzlegirl 5th Apr 18, 9:33 AM
    • 212 Posts
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    brizzlegirl
    And re one of your last posts, I have just signed up for the Odeon Film Unseen - not free, but hear its fun.

    Brizzle x
    MFW..aiming to pay it off in 2022.. 2018 Savings Rate - Goal 25% [25.2% March 13% April ] Income Goal £56/£750 May Goals: AFDs xx/15; Declutter 60 items xx/60; LSDs xx/10; NSDs xx/10 Exercise xx/30 Aiming to be a true Frugalista!
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 7th Apr 18, 9:47 AM
    • 7,639 Posts
    • 86,901 Thanks
    Tilly MFW in 6 YRS
    Hi Brizzle, Iíve been whizzing around and only just catching up

    Itís all getting very real. We pay the council mid April for permission to start the renovation. Then we are on a clock to get it finished within the set period. The builder we are using is Portuguese, as the Brits often want to rip Brits off sadly. Portuguese project manager, Portuguese builder and then Iím going back and forth a fair bit.

    Kitchen layout is now sorted. When Mr T and I are there in just over a week and we have to extend the dining table fully to confirm the length needed for dining room. Sounds ridiculous but no good having a room too big/too small.

    Weíve chosen the fire we want, bathroom fittings, floor tiles throughout. I have a Pinterest board which Mr T and I both use. Underfloor heating has been debated (frequently) and we have gone with Ďyesí. Mains water to be used for this as it is cleaner than our well water. Air source heat pump and solar for heating water with an immersion heater just in case.

    So many decisions to make. If any of you who read my diary have made home improvements and have lessons to share, then PLEASE SHARE

    It does feel like decision overload but it will result in an easy to maintain, cheap to run, modern home. Not snazzy in terms of platinum quality but clean lines, art by Mr T , with a home for everything. Really exciting but we are both pretty nervous.

    New fossa (septic tank) goes in, in late May, then garage starts in June. House will be completely packed up mid August with excess or no longer Ďlovedí furniture being sold/given away in the same month. Gant chart here I come

    Bathrooms and kitchen ripped out in early September, new layout created, then the positive works starts. Eggs have to be broken etc.

    My brain feels fried but SO looking forward to the finished product

    Right, I need to head to the shops.

    Best wishes Tilly xxx
    2004 £387k 29 years - MF March 2033
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15
    • Karmacat
    • By Karmacat 7th Apr 18, 10:02 AM
    • 29,201 Posts
    • 166,757 Thanks
    Karmacat
    Wow, Tilly. Congratulations

    It must be such a scary time ... but absolutely brilliant! Though what a shame about the Brit builders. How's your Portuguese coming along?
    Retired August 2016
    • Fortune Smiles
    • By Fortune Smiles 7th Apr 18, 1:43 PM
    • 2,773 Posts
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    Fortune Smiles
    Fantastic progress Tilly. Very exciting

    Fortune x
    Mortgage: 5% paid Overpayments: 592.38 Emergency Fund: 61%

    All we have to decide is what to do with the time that is given to us - J R R Tolkein
    • gallygirl
    • By gallygirl 7th Apr 18, 3:07 PM
    • 16,589 Posts
    • 109,549 Thanks
    gallygirl
    Kitchen layout is now sorted. When Mr T and I are there in just over a week and we have to extend the dining table fully to confirm the length needed for dining room. Sounds ridiculous but no good having a room too big/too small.
    Originally posted by Tilly MFW in 6 YRS
    Very sensible

    I had my new kitchen layout marked out in newspaper on the floor for a few weeks - made me change my mind about a protruding breakfast bar as the gap to get past would have been too narrow, though it seemed ok on the plan.
    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"
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 7th Apr 18, 3:47 PM
    • 7,639 Posts
    • 86,901 Thanks
    Tilly MFW in 6 YRS
    Wow, Tilly. Congratulations

    It must be such a scary time ... but absolutely brilliant! Though what a shame about the Brit builders. How's your Portuguese coming along?
    Originally posted by Karmacat
    Mr Ts is much better than mine but I am now taking every opportunity to speak. Plus my German is being used more which is great.

    Fantastic progress Tilly. Very exciting

    Fortune x
    Originally posted by Fortune Smiles
    Itís very exciting.

    Very sensible

    I had my new kitchen layout marked out in newspaper on the floor for a few weeks - made me change my mind about a protruding breakfast bar as the gap to get past would have been too narrow, though it seemed ok on the plan.
    Originally posted by gallygirl
    Weíve used tape on the floor last week which really helped. It made us realise we have to have a fire in a corner not a three sided one. Very useful


    For those who know me in RL you can imagine the trauma having to make home decisions - work ones are SO much easier
    2004 £387k 29 years - MF March 2033
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 17th Apr 18, 8:21 AM
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    Tilly MFW in 6 YRS
    Morning, weather is glorious and we missed the awful rain here last week. We have met the builders and are reviewing their prices

    It is really happening. All those years of Tilly Tidying, renting a room, surveys, menu planning, working like a nutter have been so worthwhile. Our Pinterest board may explode but it has made life much easier.

    No more drawing on napkins Gallygirl

    Looks like from September onwards Iíll be spending more time travelling back and forth. Will have to sofa surf but will not be long trips.

    We are planning electrical sockets today - never let it be said we donít know how to live life to the full

    Right, off to assess electrical needs.

    Tilly xx
    2004 £387k 29 years - MF March 2033
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15
    • greent
    • By greent 17th Apr 18, 8:15 PM
    • 7,010 Posts
    • 71,579 Thanks
    greent
    Sounds both exciting and wonderful, Tilly! 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) £877.49/£4000
    Net sales 2018 £491.03/£1000 PAYDOX18 (#15) £13869.38/£18694.38
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 4th May 18, 8:42 AM
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    Tilly MFW in 6 YRS
    First wave of money sent to the builder - itís real and happening. I canít recall if I posted that the garage is being built to a standard that it could be converted to an annexe if required. Who knows what the future holds so may as well future proof a bit.

    I will be back to Tilly Tidying all our pennies into our Reno account. Back on the no spend bandwagon apart from a quick trip in a couple of weeks. We have decided to go the whole hog and end up with a house which will be fun to live in, albeit not platinimum spec, but that still has a cost which is higher than original budget. I had thought we had enough invested but may need to find a bit more.

    Could be time to start a new diary, or perhaps just use this one as we navigate a minefield of stress.

    Change of subject - I did a survey for YG this week about making friends over the tíinterweb. This has been a great forum for doing that and meeting like minded people. Iíve both received and sent items to people, arranged and collected gift money for a new arrival, made some great face to face friends. I will always be extremely grateful to MSE Forums.

    Back to original topic. Scary and uncharted waters over the next year. Building starts in under a month. We have delayed house Reno starting for six months to allow more £ to both be released from savings and investments, plus additional monthly saving. On the bright side, this means our summer holiday wonít require us to pack up our house. We will do that in December. The garage will be finished around August and will be racked out in readiness for packing up the house contents. I have a list of items we are getting rid of and Iíve given that to someone who helps find homes for people struggling in the Algarve. Our last visitors are there shortly and items we no longer need will be leaving the house straight afterwards.

    Itís quite a weird feeling to be this close to starting. Looking forward to cooking in the open plan kitchen with its views through to the back garden.

    Happy days (and scary ones)

    Tilly xx
    2004 £387k 29 years - MF March 2033
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15
    • gallygirl
    • By gallygirl 4th May 18, 3:28 PM
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    gallygirl
    I canít recall if I posted that the garage is being built to a standard that it could be converted to an annexe if required.
    Originally posted by Tilly MFW in 6 YRS
    I do think you might have asked me for input in planning my new home . What if I don't like where the windows are???????

    Exciting times ahead, can you bring a set of plans out with you or shall I get the serviettes out .
    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"
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 4th May 18, 3:35 PM
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    • 86,901 Thanks
    Tilly MFW in 6 YRS
    I do think you might have asked me for input in planning my new home . What if I don't like where the windows are???????

    Exciting times ahead, can you bring a set of plans out with you or shall I get the serviettes out .
    Originally posted by gallygirl
    I have plans - job for next week is file all the bl@@dy paperwork as I appear to be growing a tree forest in the study - you wonít be able to see me or Mr T under the stacks. Canít believe how much paper is used over there.

    Youíll love the windows, graphite with shutters. We will end up with a separate utility with sink etc which is large enough to split into a shower room and kitchen, then a studio style apartment. Always thinking ahead.

    Right, Iím off to the PO and I may be some time. If I donít report back for months, don't worry, Iíll just be under a stack of paper.

    Tilly xx
    2004 £387k 29 years - MF March 2033
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 10th May 18, 6:28 PM
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    • 86,901 Thanks
    Tilly MFW in 6 YRS
    What a glorious afternoon. The sun is shining, my washing has dried on the line and the ironing finished. Not quite put Mr Ts ironed shirts away but you canít win them all.

    Iím sitting with the doors open listening to the birds and have to stop and recognise that life is good.

    The Tilly hounds are in the garden causing a little mayhem and I need to sort out dinner.

    Best wishes Tilly xx
    2004 £387k 29 years - MF March 2033
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15
    • brizzlegirl
    • By brizzlegirl 13th May 18, 3:32 PM
    • 212 Posts
    • 1,283 Thanks
    brizzlegirl
    Wow, just catching up Tilly..it sounds AMAZING and so so exciting. Thrilling. Dont worry am sure youll get the hang of making house decisions as well as you make work ones.. am sure its just a question of practice

    All the agility in the floor planning makes total sense, very wise. And well done for learning the local language. Thats also important.

    Do keep posting. Very exciting to vicariously see you onto the next phase...

    Brizzle Xxxxx
    MFW..aiming to pay it off in 2022.. 2018 Savings Rate - Goal 25% [25.2% March 13% April ] Income Goal £56/£750 May Goals: AFDs xx/15; Declutter 60 items xx/60; LSDs xx/10; NSDs xx/10 Exercise xx/30 Aiming to be a true Frugalista!
    • gallygirl
    • By gallygirl 14th May 18, 8:42 AM
    • 16,589 Posts
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    gallygirl
    Dont worry am sure youll get the hang of making house decisions as well as you make work ones.. am sure its just a question of practice
    Originally posted by brizzlegirl
    That's what she has me and MWC for . I'll be seeing the plans shortly and have a large bottle of Tippex ready .
    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"
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 14th May 18, 11:37 AM
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    Tilly MFW in 6 YRS
    Iím sticking with Brizzle, Iím sure these housey decisions get easier

    I can actually see the house in my mind now - for people who know me in RL, they will appreciate the massive improvement in imagination

    I am still worrying like a nutter but equally I can see myself pottering in the kitchen and looking into the gardens. Happy days.

    Brizzle, just to be clear, Iím learning the language now but definitely struggling Mr T is better than me thankfully. However, the Portuguese builder speaks good English.

    Iím off to worry quietly about sockets, flooring, photovoltaic panels, air source heat pumps HELP.........


    Tilly xx
    2004 £387k 29 years - MF March 2033
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15
    • brizzlegirl
    • By brizzlegirl 15th May 18, 10:02 PM
    • 212 Posts
    • 1,283 Thanks
    brizzlegirl
    Hey am sure its not in your nature to go with the flow....but am sure this is the time to give it a whirl

    Itll be good...just stay away from GG and that bottle of Tippex maybe swap it out for a nice bottle of red

    PV panels btw are fab. No bother as no moving parts and they pay for themselves, love them. Ground source is also good.

    Keep posting, lots of love xx
    MFW..aiming to pay it off in 2022.. 2018 Savings Rate - Goal 25% [25.2% March 13% April ] Income Goal £56/£750 May Goals: AFDs xx/15; Declutter 60 items xx/60; LSDs xx/10; NSDs xx/10 Exercise xx/30 Aiming to be a true Frugalista!
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