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  • FIRST POST
    • patrick_bs15
    • By patrick_bs15 31st Aug 13, 8:47 PM
    • 155Posts
    • 368Thanks
    patrick_bs15
    Mortgage free by 50...
    • #1
    • 31st Aug 13, 8:47 PM
    Mortgage free by 50... 31st Aug 13 at 8:47 PM
    Hi
    Am moving in to a house on Friday... most exciting part for me will be having a decent back garden so I can get a dog after years of waiting

    Have completed part 1 of mortgage challenge (76,000 paid off in just under 10 ten years), now it's time for part 2 - similar figure to shift: 66,000 owed to First Direct on 2.99% 5 year fix(plus 3000 each to mum & sister). So 72,000 in total.

    Again, time scale is 10 years and the plan is for me to work part time when I hit 50 and clear the mortgage...

    I'll update this regularly as it really motivates me to see the debt slowly shift...
Page 2
    • gallygirl
    • By gallygirl 30th Jun 14, 9:52 PM
    • 16,660 Posts
    • 109,962 Thanks
    gallygirl
    Stalked her .

    She's lovely , hope you are very happy together .
    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"
    • getting-sorted-sarah
    • By getting-sorted-sarah 30th Jun 14, 10:48 PM
    • 717 Posts
    • 3,752 Thanks
    getting-sorted-sarah
    Woo hoo Patrick, you are doing so well, and a new best friend too! x
    • tootallulah
    • By tootallulah 1st Jul 14, 7:18 AM
    • 2,170 Posts
    • 7,606 Thanks
    tootallulah
    Beautiful dog I hope that all goes well. Brilliant work on the mortgage.
    Mortgage House 45,000, 26 January 2018, 17th September 2018 1,000.
    • patrick_bs15
    • By patrick_bs15 3rd Jul 14, 6:30 AM
    • 155 Posts
    • 368 Thanks
    patrick_bs15
    Many thanks for all your kind words about getting a dog - I haven't looked forward to a day so much since.... I can't remember!


    Overpayment of 400 today...
    58,237.65 to go... better than I expected again


    I realise that pet insurance / vet bills / dog food etc. will dig into my budget, but I agreed with some posts I read on here the other day about still having a life rather than denying yourself of things all the time. That said, next 6 years will be Sun voucher holidays / camping all the way!
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 3rd Jul 14, 6:53 AM
    • 7,648 Posts
    • 87,040 Thanks
    Tilly MFW in 6 YRS
    She looks gorgeous.

    Life is definitely for living as well - it's easy to forget as we stay so focused

    Best wishes, Tilly x
    2004 387k 29 years - MF March 2033
    2011 309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15
    • gallygirl
    • By gallygirl 3rd Jul 14, 7:38 AM
    • 16,660 Posts
    • 109,962 Thanks
    gallygirl
    Is she here yet?
    Is she here yet?
    Is she here yet?

    Can we stroke her? Can we, can we, can we
    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"
    • in need of direction
    • By in need of direction 3rd Jul 14, 8:09 AM
    • 5,340 Posts
    • 31,625 Thanks
    in need of direction
    She looks lovely. Such an intelligent face.
    Mortgage at 01.01.14 119,481.83 today 72,374.15, target 65,000 by 31/12/18 Offset fund today 377.27 target 5,500 by 31/12/18
    Emergency fund 1,100/5.5k & 200/200 cash.
    Weight 8 July 14st 4lb
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • icontinuetodream
    • By icontinuetodream 6th Jul 14, 8:26 AM
    • 985 Posts
    • 6,606 Thanks
    icontinuetodream
    Puppy!!! We love puppies!!!

    Great job on the mortgage op's too.... (should I have said that first??!! )
    Mortgage 12.12.12 55842 12.12.13 42716 14.12.14 28837 13.12.15 25913
    Mortgage OP 50/600 House Fund 420/5000
    • patrick_bs15
    • By patrick_bs15 5th Aug 14, 10:08 AM
    • 155 Posts
    • 368 Thanks
    patrick_bs15
    Hi - got Flake a month ago now.
    She is absolutely lovely: good natured and not fussed at all by the dogs either side of my place.


    Only issue is sensitive stomach - not found a food which helps yet, but think it's wise to avoid tinned food. I was told that Bakers Complete is not bad because it doesn't have preservatives... any advice from fellow dog owners very welcome. Thinking of taking her to the vet later today because it isn't pleasant for her or for me!
    That 'Phd' food - I know its prescription only - anyone tried it on their dog successfully?


    Anyway, I now have a large canvas print of her in my bedroom and she is the apple of my eye


    Overpayments will not be as much now - more realistic target is MF by 53. 100 overpayment yesterday - down to about 57,750ish now.
    • icontinuetodream
    • By icontinuetodream 5th Aug 14, 8:27 PM
    • 985 Posts
    • 6,606 Thanks
    icontinuetodream
    not sure about the bakers stuff....sent my dogs totally hyper!!

    unfortunately lurchers/greyhounds are renowned for having sensitive stomach issues....my greyhound is still going through it now and I have had her for 7 years!! I found the best stuff for her was the greyhound food (beta greyhound) that I got from petsathome....but it proved difficult to get hold of for a while and she went off it (absolutely not food orientated at all) and unfortunately, its only available in 15kg sacks so I gave up on that. I have tried her on a raw food diet, she isn't keen anymore after several months....I have basically got to the point where I have tried pretty much every food on the market and she will turn her nose up at most of them and the resulting stomach issues are a trauma....

    I have started to feed her a mixture of james wellbeloved lamb and rice kibble (no gluten or nasty additives), cooked chicken with rice, scrambled eggs and cottage cheese. She occasionally has a tin of butchers tripe but to be honest, most things she just doesn't eat for more than a couple of days without turning her nose up at it....

    I assume that the rescue centre told you what Flake was eating there - personally, I would keep her on that for another couple of weeks as it may just be the move that has upset her stomach (they are notoriously highly strung and live on their nerves) give the beta greyhound a try (if she doesn't like it, I am sure the rescue centre will be grateful for the rest of the bag) or perhaps give wafcol gluten free a try (was very successful with this with my last rescue lurcher who suffered with colitis following being poisoned as a puppy )

    sorry its all a bit vague, it really is a case of trial and error with this type of dog in my experience however, they are worth every moment of worry and every thrown out meal!!

    Good luck and big kisses for Flake!!
    Mortgage 12.12.12 55842 12.12.13 42716 14.12.14 28837 13.12.15 25913
    Mortgage OP 50/600 House Fund 420/5000
    • patrick_bs15
    • By patrick_bs15 9th Oct 14, 8:13 PM
    • 155 Posts
    • 368 Thanks
    patrick_bs15
    Hi - been a while since I posted on here... Have decided to build up savings for a while rather than overpay mortgage so much (but will continue to do that by 200 / month). Mortgage down to 56,750 now. Worth having a few grand in savings in case car packs up or boiler goes!
    • patrick_bs15
    • By patrick_bs15 10th Nov 15, 7:32 AM
    • 155 Posts
    • 368 Thanks
    patrick_bs15
    Been a while since I last did this...

    259 overpayment, so 51 k left.
    Priorities have changed now, so building up savings.
    Taking in a lodger (moves in today) because now on temporary contract at work...
    • turtlemoose
    • By turtlemoose 10th Nov 15, 11:25 AM
    • 1,527 Posts
    • 4,446 Thanks
    turtlemoose
    Hope all goes well with the lodger, I had one for over a year and it definitely helped me keep afloat of mortgage payments at a time when my income was quite low.
    • patrick_bs15
    • By patrick_bs15 15th Sep 18, 4:23 PM
    • 155 Posts
    • 368 Thanks
    patrick_bs15
    First post for nearly 3 years... where does the time go...


    Now have just over 24,000 to go on mortgage. Am on a 1 year fixed-term contract and am going to move house next year (to Devon - somewhere not far from Exmouth, where I've got family).


    Am going to buy a place for cheaper than I get for my current place.



    No more overpayments planned before house move.


    Many thanks to those who have made encouraging comments on here - I look forward to encouraging other mortgage-free wannabes myself in future.
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