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  • FIRST POST
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 5th Nov 11, 9:12 PM
    • 7,648Posts
    • 87,040Thanks
    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 515
    • brizzlegirl
    • By brizzlegirl 24th Jul 18, 9:40 PM
    • 401 Posts
    • 2,662 Thanks
    brizzlegirl
    Hope all is good with you Tillly. Sending you lots of love from somewhere with loads of sun (Brizzle, so not quite Southern Europe but we are with you in spirit )
    MFW..aiming to pay it off in 2022.. 2018 Savings Rate - Goal 40% [29%May 25%June 15%July 32% Sept & Oct] 2018 Income Goal £100/£750 November Goals: AFDs 11/25; Decluttering 02/60; LSDs 04/10; NSDs 01/10 Exercise 01/15 12k steps per day pls Aiming to be a true Frugalista!
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 27th Jul 18, 4:12 PM
    • 7,648 Posts
    • 87,040 Thanks
    Tilly MFW in 6 YRS
    Hi Brizzle, I haven!!!8217;t checked in for a couple of months !!!9785;!!!65039; Hope all is ok with you xx

    It!!!8217;s been a busy old time with the Tilly kids excelling which has been a joy, the house Reno has started and is cracking on at a great rate. We!!!8217;ve had lots of trees and palms removed, and will be planing some new things in the Autumn.

    I cannot believe how the year is whizzing by and I wish everyone who pops in, a great summer and keep those Tilly Tidies going !!!55357;!!!56397;!!!55357;!!!56397;

    Best wishes Tilly xx
    2004 £387k 29 years - MF March 2033
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15
    • indianabones
    • By indianabones 1st Aug 18, 9:40 AM
    • 211 Posts
    • 219 Thanks
    indianabones
    Just checked my statement as I hadn't for 3/4 months. I'm now under the £100k mark for outstanding balance on my mortgage.

    I'm seriously thinking about adding an extra 2.5k in overpayments by the end of the year.

    £99912 - Jan 2042 is end date.
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 5th Sep 18, 6:51 PM
    • 7,648 Posts
    • 87,040 Thanks
    Tilly MFW in 6 YRS
    I’ll have to dust my diary off

    All going well on the Reno front and we will be packing up the house at the end of 2018 ready for internal walls to be knocked down.

    I started a big clear out of stuff from the U.K. house about two months ago, plus we cleared loads of stuff in Portugal in readiness for the move.

    We are all looking forward to having a modern, open and clutter free house and time to enjoy it. Lots of plans for our veggie garden and orchard over there.

    I hope the Tilly Tidies are still going strong.

    Best wishes Tilly x
    Last edited by Tilly MFW in 6 YRS; 08-09-2018 at 11:54 AM. Reason: Edited 2017 to 2018. I’ve lost a year
    2004 £387k 29 years - MF March 2033
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15
    • greent
    • By greent 5th Sep 18, 9:07 PM
    • 7,518 Posts
    • 76,281 Thanks
    greent
    Lovely to see you on here, Tilly 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) £7127.06/£7500
    Net sales 2018 £721.53/£1000 PAYDOX18 (#15) Done £18918.90
    • Courgette
    • By Courgette 5th Sep 18, 9:12 PM
    • 1,754 Posts
    • 18,569 Thanks
    Courgette
    Great to hear from you Tilly! I'm a bit out of the loop - are you moving to Portugal? Sounds like it! Are you early retired? All sounds exciting anyway
    A reminder to myself: Persistence Pays Off
    Mortgage 1: £95,000 £78,900 at 3.1%
    Mortgage 2 (BTL): £83, 489.15 at 2.99% (I.O.)
    Savings (S&S ISA): £3000 Plus 6 months emergency savings earning 3%
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 11th Sep 18, 6:21 PM
    • 7,648 Posts
    • 87,040 Thanks
    Tilly MFW in 6 YRS
    Hi Courgette, not retiring yet but certainly will be. We want the house finished first if possible. Mr Tilly will be heading towards 52 when we retire. He felt that 50 was too young but is already making plans for his hobbies.

    Itís a really exciting chapter now and as the decision making side is done, it feels more optimistic than stressful.

    Hope all is going well with you xxx
    2004 £387k 29 years - MF March 2033
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15
    • brizzlegirl
    • By brizzlegirl 15th Sep 18, 5:42 PM
    • 401 Posts
    • 2,662 Thanks
    brizzlegirl
    Great to hear from you. So glad it’s all going well.

    Lots of love x
    MFW..aiming to pay it off in 2022.. 2018 Savings Rate - Goal 40% [29%May 25%June 15%July 32% Sept & Oct] 2018 Income Goal £100/£750 November Goals: AFDs 11/25; Decluttering 02/60; LSDs 04/10; NSDs 01/10 Exercise 01/15 12k steps per day pls Aiming to be a true Frugalista!
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