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  • FIRST POST
    • littlefred169
    • By littlefred169 8th Oct 12, 11:03 PM
    • 219Posts
    • 1,889Thanks
    littlefred169
    Littlefred's bid for mortgage freedom!
    • #1
    • 8th Oct 12, 11:03 PM
    Littlefred's bid for mortgage freedom! 8th Oct 12 at 11:03 PM
    A seriously long time lurker here who has finally decided to give this diary malarkey a go!

    I'm 27 and its me and my 2 cats in the house and I see this staying this was for the foreseeable future! I bought my house in July 2009 with the mortgage of £103000 finishing in July 2034 and a loan from the bank of mum and dad as when I said I wanted to buy a flat my mum's words were 'you're not buting a flat, I'll lend you the money to but a house'. Ok so house bought and I usually have a lodger (not atm) to pay back my mum and dad. Mum has said to put any extra money I have to the mortgage although I'm not sure my dad agrees!

    So far I have been a part of the MFiT3-T2 and as of September my mortgage stands at £87315 with and my MF date currently September 2028 but I'd love to be MF when I'm 40 so that is April 2025 so that is one of my aims atm. I'm definitely a long hauler!

    I'm also currently studying for a part time masters to allow me to get a promotion (not a given by a long shot) and work are kindly paying for three quarters of it, so I need to find the rest otherwise they will take it out of my wage packet and I'll be living on bread and water for a few months. I'm also having to pay for my travelling expenses but the lovely bank of mum and dad are adding this to my loan I already have with them. They are sooo good to me . So to get my quarter of my 2 years I need to have £1400. Last year this would have been a lot easier as I had a pay cut of £8000-10000 per year in April from going to a shift system from on call yet I still do all the unsociable hours and as more people are leaving I seem to be doing more. Even I object to working 10 out of 12 weekends which is what I'm doing at the moment!

    Ah well onwards and downwards as they say.

    Littlefred
    Original MF Date = July 2034
    Current MF Date = January 2029
    Target = April 2025
Page 11
    • littlefred169
    • By littlefred169 17th Oct 18, 11:28 PM
    • 219 Posts
    • 1,889 Thanks
    littlefred169
    I'm known as my work radiator so that probably has something to do with it. If anybody walked in to see my hands around others to warm them up I wonder what they'd think of us!!

    5p TT today

    I fell asleep early this evening as I was on call last night and I never sleep well as I'm just waiting for the phone to ring. It's really unusual for it not to ring and as I'm just about to start on my own I'm shadowing people and yes you guessed it the three shifts I've shadowed there have been no calls Oh well hopefully I'll get to sleep soon!
    Original MF Date = July 2034
    Current MF Date = January 2029
    Target = April 2025
    • Karmacat
    • By Karmacat 18th Oct 18, 10:37 AM
    • 31,093 Posts
    • 182,705 Thanks
    Karmacat
    Hello littlefred! Saw you on PP's thread and describing yourself as a returner, so I pootled over to your diary to have a look and even if you go away/stop posting, many kudos to you for carrying on coming back, and keeping up some of the habits anyway. All good

    The new job and the much smaller commute sound excellent - giving away your life is no joke, I've made a few mistakes about that in my time Cutting out volunteering that really doesn't speak to you any more is the same thing. You mentioned your weight, and more holidays, and I bet you find it easier to get healthier/have more of what you want, now that you're not overworking/overcommuting/overvolunteering.

    Seconding the artex issue
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • littlefred169
    • By littlefred169 19th Oct 18, 12:16 AM
    • 219 Posts
    • 1,889 Thanks
    littlefred169
    Thanks Karmcat - you're right things are starting to go in the direction I want now and everything seems that bit easier.

    10p TT today

    cut the grass

    chopped down some more branches in the garden but the rest are too high so I'll have to see if someone is free to hold the ladder for me as the ground isn't even but I did manage to fill my green bin

    went to my first pilates class - I'm hurting already so I'm dreading what I'll be like in the morning!

    sorted out the bins and recycling

    almost managed to leave work on time which is unusual for a late shift but funnily enough the commute is better at that time of night...
    Original MF Date = July 2034
    Current MF Date = January 2029
    Target = April 2025
    • littlefred169
    • By littlefred169 19th Oct 18, 10:46 PM
    • 219 Posts
    • 1,889 Thanks
    littlefred169
    £1 TT today but not much else happened. Going from a late to a day normally tires me out and I really haven't felt like much so I caught up with some tv shows and had a lovely bag of chocolate buttons. Off to bed as I'm off to work tomorrow, night all
    Original MF Date = July 2034
    Current MF Date = January 2029
    Target = April 2025
    • littlefred169
    • By littlefred169 21st Oct 18, 2:29 AM
    • 219 Posts
    • 1,889 Thanks
    littlefred169
    £1 TT today (well yesterday now!) I was at work in the day and I was on call tonight and actually got called in so I've just got home. A lie in is definitely called for! Night all.
    Original MF Date = July 2034
    Current MF Date = January 2029
    Target = April 2025
    • littlefred169
    • By littlefred169 22nd Oct 18, 11:18 PM
    • 219 Posts
    • 1,889 Thanks
    littlefred169
    As it's pay day tomorrow I've cleared my account and have a surprising amount of money left. Not having as many takeaways seems to be paying off!! So £73 to the mortgage, £71 to the wish list, £71 EF and £71 to holibobs.

    I've managed to do a load of washing today

    Hopefully finished the touching up of the white paint on the ceiling

    Put my light ceiling rose back up in the bedroom

    Made a macaroni cheese or rather a predominantly penne cheese as I had a lot less macaroni than I thought!
    Original MF Date = July 2034
    Current MF Date = January 2029
    Target = April 2025
    • Kittenkirst
    • By Kittenkirst 22nd Oct 18, 11:36 PM
    • 2,111 Posts
    • 11,733 Thanks
    Kittenkirst
    Great residual funds to be splitting out. Well done
    2019 MFW #20£1172.70/ £4500 26%

    Mort- Oct16 £170.995 (end Nov 2041) Dec18 £152,838

    Overpayments 2016 £255.50 2017 £2600.40 2018 £4500
    Referral codes= Prolific- 8JXN5BVG shopmium- ACEAHKFA Shoppix- 57VB13QH
    • littlefred169
    • By littlefred169 24th Oct 18, 12:23 PM
    • 219 Posts
    • 1,889 Thanks
    littlefred169
    Thanks KK

    Yesterday was pay day and so the money shuffle So the standard overpayment £111 has gone to the mortgage.

    Today a TT of 54p

    Not much achieved so far today as I didn't get home until 0145 and then had to wind down so as lay in was definitely called for!
    Original MF Date = July 2034
    Current MF Date = January 2029
    Target = April 2025
    • pinkypig
    • By pinkypig 26th Oct 18, 8:33 AM
    • 1,519 Posts
    • 11,773 Thanks
    pinkypig
    Happy pay day LF. I love a money shuffle
    MFW 2018 #157 Target £15,000

    £23,095.71/£15,000
    • littlefred169
    • By littlefred169 26th Oct 18, 7:29 PM
    • 219 Posts
    • 1,889 Thanks
    littlefred169
    Thanks PP

    53p TT yesterday and £1 today

    I've managed to

    sort out receipts

    give blood

    and not a lot else as my late was crazy on Wednesday and it took me forever to wind down so I was a tad dopey yesterday!
    Original MF Date = July 2034
    Current MF Date = January 2029
    Target = April 2025
    • littlefred169
    • By littlefred169 29th Oct 18, 9:41 PM
    • 219 Posts
    • 1,889 Thanks
    littlefred169
    oops the weekend disappeared!

    I spent most of Saturday taking doors down to sand them and taking the hinges off as I'm not sure the last time any part of the door and door frames were sanded. Needless to say there were some awkward sods and and eventually I managed to get all but 1 out which unfortunately has snapped in the door frame but I'm not too worried as one of my doors was only held on by 3 screw instead of 9

    Sunday was going to the football and my lovely mother painted some of my walls in my bedroom for me although I couldn't be bothered to put my bed back together by the time I got home so I slept on the sofa.

    Before work today I finished off the sanding of the doors that I've taken off so far and have also sanded the frames and my mum came around to do some more painting. I'm so lucky to have such a lovely and helpful mum

    23p TT on Saturday, £10 lottery win to the mortgage on Sunday, 55p TT today. I also looked at my data usage with my mobile and I've managed to downgrade my deals as I haven't been using so much data since I changed jobs.

    Hopefully I manage to get out of work at some point today although it's not looking likely.
    Original MF Date = July 2034
    Current MF Date = January 2029
    Target = April 2025
    • littlefred169
    • By littlefred169 30th Oct 18, 11:00 PM
    • 219 Posts
    • 1,889 Thanks
    littlefred169
    £1 TT for me today

    I've just got home from my friend's house where 3 of us met and one of them I haven't seen for a while so that was a few good hours chatting and of course it was free!

    Consequently I haven't achieved anything else!
    Original MF Date = July 2034
    Current MF Date = January 2029
    Target = April 2025
    • littlefred169
    • By littlefred169 9th Jan 19, 2:24 PM
    • 219 Posts
    • 1,889 Thanks
    littlefred169
    I've been just a tad rubbish at this, need to do better! I hope everyone had a good Christmas and new year

    Literally 10 minutes after my last post my mum rang me to say that she'd called an ambulance for my dad as he'd had another 'turn'. So ensues another night in hospital and they still don't seem to have an answer for him! The advice when he left was to see the GP in a month!! So I have the talk with dad and say youíre not leaving it a bl@@dy month before you go and see your GP and thankfully he agreed although it doesn't seem to of helped.

    All doors have been sanded, painted and rehung and that took a lot longer than I anticipated and I only finished on the 27th December! However, all doors now shut properly and look nice.

    On the money side of things, I have continued to TT and overpay the mortgage and split and remaining money at the end of the month. I also started on call in December and because our pay roll canít cope with us being paid different rates for on call I now have another assignment number but what it does mean is that it gets paid separately and so I split it up and save/overpay on payday without any calculations as it will change every month depending on how frequently Iím called in. I need to find some time and see if I can set some realistic targets for myself.
    Original MF Date = July 2034
    Current MF Date = January 2029
    Target = April 2025
    • littlefred169
    • By littlefred169 11th Jan 19, 5:47 PM
    • 219 Posts
    • 1,889 Thanks
    littlefred169
    70p TT yesterday and 77p TT today

    Absolutely shattered today so it will be an early night tonight!
    Original MF Date = July 2034
    Current MF Date = January 2029
    Target = April 2025
    • littlefred169
    • By littlefred169 13th Jan 19, 7:23 PM
    • 219 Posts
    • 1,889 Thanks
    littlefred169
    My professional body fees came out on Friday is I've split the excess from my savings pot for them between the 3 other pots and overpaying the mortgage. 50p TT today.

    Also very peeved that they want to raise out professional registration fees (different to those above) by 18% meaning a rise of £40 in the last 5 years! It's not like we have a choice about these as we have to be registered to work!
    Original MF Date = July 2034
    Current MF Date = January 2029
    Target = April 2025
    • littlefred169
    • By littlefred169 9th Feb 19, 11:47 AM
    • 219 Posts
    • 1,889 Thanks
    littlefred169
    I've continued with the TT and I managed to overpay my on call money on payday which was more sizeable than the last one thanks to being in on Christmas day. I'm off to lunch with mum today and then hopefully I'll get some weeding done if it doesn't rain this afternoon.
    Original MF Date = July 2034
    Current MF Date = January 2029
    Target = April 2025
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