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  • FIRST POST
    • A Frayed Knot
    • By A Frayed Knot 8th Jun 15, 11:34 PM
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    A Frayed Knot
    Was Mortgage Free until 52!!!
    • #1
    • 8th Jun 15, 11:34 PM
    Was Mortgage Free until 52!!! 8th Jun 15 at 11:34 PM
    I was a lurker, but inspired by this thread to start my own diary and although my figures are positively small fry to some - its still my mortgage.

    A bit about me, took the plunge and bought a house age 50 plus by myself, everyone asked "Are you mad?" But thought - I can do this.

    Bought at auction, so got a bit of a bargain (the only way I could afford a mortgage) and had what I would call (in my terms) a nice deposit. Took out an 80% mortgage, and lenders would only give me an 18 year term, 2 years fixed at 4.5%, so in my eyes I have already knocked 7 years off my mortgage - how's that for positive thinking?

    I'm now 3 years down the line and have already made the classic mistake, did not renew my fixed term after the 2 years (and still haven't) as it reverted to 3.99% which was lower than I was paying and on making my first large overpayment, they reduced my monthly payments Little did I know what I know now. So its time to get my mortgage in order.

    I have about a years mortgage savings - and about 3 years mortgage payments out on loan at the moment.

    I pay a minimal 45.00 into an isa every month, but was thinking of adding this to my monthly mortgage payments when I remortgage thus reducing the years even further. What do you think?

    I work full time and overtime is available for the moment although I never accept, as I go in early and stay late - could class that as overtime,

    As you can tell, I'm a bit obsessed with overpayments, but well - you can see my point - at my age, want to be "mortgage free" asap.

    My Motivation Madness;
    I have a simple method to keep me motivated, only thing is to explain I make it sound complicated and only works if you have a sub account as well, but you could adjust to suit yourself.
    • "Always have 0.00 at the end of your mortgage"
    • This way the least/most you will pay is 1p or 9.99
    • On flush days you could go for 00.00 at the end or even 000.00
    I know, I know, I need to get out more Good Luck whatever you decide.
    Last edited by A Frayed Knot; 10-05-2018 at 8:28 PM.
Page 88
    • A Frayed Knot
    • By A Frayed Knot 30th Dec 18, 3:16 PM
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    • 12,038 Thanks
    A Frayed Knot
    So today I have learned;
    You do not need to spend hours and hours re-doing the grouting You go to B&M buy Mould & Mildew blaster, spray, leave for a few hours, rinse and wipe.
    All done, fantastic results and best bit is it cost 75p for a big bottle
    "@stonish" best bargain of the year !!!

    I have also cleaned out my washing machine with another product, all ready for the NY.

    My kitchen was needing a bit of a clear away/out, didn't realise until someone said to me - "once you get your kitchen finished" What the - I thought it was finished Made me look at it with New eyes Guess that may be No.1 on the "to do" list
    Last edited by A Frayed Knot; 31-12-2018 at 10:10 AM.
    Always have 00.00 at the end of your mortgage and one day it will all be 0's
    Mortgage Free 21.12.18
    Just 11 Years 3 months early
    MFMarch 30 Re/M Oct 23 Target -Dec 19
    O/P's 2014/4000, 2015/6294.69, 2016/3186.80, 2017 4068.97

    • bexster1975
    • By bexster1975 30th Dec 18, 3:51 PM
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    • 6,602 Thanks
    bexster1975
    Many thanks. Guess whose off to B and M in the morning.....

    And lol! Poor you! It's hard to see the wood for the trees in your own place I find.

    Have a fab NYE whatever you are doing ( hopefully not the kitchen!)

    Bexster
    • A Frayed Knot
    • By A Frayed Knot 30th Dec 18, 4:38 PM
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    A Frayed Knot
    @stonish - probably be able to get it in other stores as well, I use their degreaser as well, great products.

    Comment has given me the proverbial kick utb I needed, although not too bad, maybe needs a bit of a re-vamp somehow.

    Hope you too, or is that two, have a great NYE as well. Not my fav time of the year to be honest.
    Always have 00.00 at the end of your mortgage and one day it will all be 0's
    Mortgage Free 21.12.18
    Just 11 Years 3 months early
    MFMarch 30 Re/M Oct 23 Target -Dec 19
    O/P's 2014/4000, 2015/6294.69, 2016/3186.80, 2017 4068.97

    • bexster1975
    • By bexster1975 30th Dec 18, 5:53 PM
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    bexster1975
    I know a few people who feel the same. To and two are appropriate

    I look forward to the pictures of the adventures in kitchen renovation

    Bexster
    • A Frayed Knot
    • By A Frayed Knot 31st Dec 18, 10:09 AM
    • 2,721 Posts
    • 12,038 Thanks
    A Frayed Knot
    Morning all, last of this year

    So two things have happened since last night.

    The first being when I logged on to my banking, only to find all my mortgage details vanished rather a bitter sweet moment as it's been making it's presence since I took out my mortgage (the monkey on my shoulder, so to speak). Whoosh, vanished Whatever made me think I would still have a record of my o/p's

    Second, was an early (well, early when your not working) phone call, asking where I was - still in bed I said only to be asked - are you not meant to be in work today ? err, no, I said, granted the 3 days off between Xmas & NY, I said.
    Anyway outcome was they are short staffed, but no need for me to go in. so another bitter sweet moment They now have me doubting and can't check until I get back to work.

    No doubt a few more alarms before the day's out.

    Have a great day everyone.
    Always have 00.00 at the end of your mortgage and one day it will all be 0's
    Mortgage Free 21.12.18
    Just 11 Years 3 months early
    MFMarch 30 Re/M Oct 23 Target -Dec 19
    O/P's 2014/4000, 2015/6294.69, 2016/3186.80, 2017 4068.97

    • bexster1975
    • By bexster1975 31st Dec 18, 10:23 AM
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    bexster1975
    The mortgage account vanishing is def a good thing!

    Frankly I'd rather be annoyed that work had pestered me on a day off! Cheeky bu$$ers. They will be in trouble when you decide to become a lady of leisure!....

    Bexster
    • A Frayed Knot
    • By A Frayed Knot 31st Dec 18, 11:00 AM
    • 2,721 Posts
    • 12,038 Thanks
    A Frayed Knot
    With work, the other week we managed with just 6 of us in (over 2 floors ), so hopefully no less than that today .

    Did offer to go in as didn't want the person who granted my leave to get into trouble, her mind was probably elsewhere (she starts her chemo in the NY).
    Always have 00.00 at the end of your mortgage and one day it will all be 0's
    Mortgage Free 21.12.18
    Just 11 Years 3 months early
    MFMarch 30 Re/M Oct 23 Target -Dec 19
    O/P's 2014/4000, 2015/6294.69, 2016/3186.80, 2017 4068.97

    • A Frayed Knot
    • By A Frayed Knot 31st Dec 18, 10:13 PM
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    • 12,038 Thanks
    A Frayed Knot
    So this afternoon, I received a letter from my mortgage company stating;-

    Your mortgage has been closed

    I am officially MF

    Perfect end and Perfect start to the New Year.

    A big Thanks to Everyone who posted in my rambling Diary.

    Have a healthy, Happy New Year Everyone for 2019 !!!
    Always have 00.00 at the end of your mortgage and one day it will all be 0's
    Mortgage Free 21.12.18
    Just 11 Years 3 months early
    MFMarch 30 Re/M Oct 23 Target -Dec 19
    O/P's 2014/4000, 2015/6294.69, 2016/3186.80, 2017 4068.97

    • shangaijimmy
    • By shangaijimmy 1st Jan 19, 9:15 AM
    • 2,929 Posts
    • 14,742 Thanks
    shangaijimmy
    The next major decision... What type of frame is the letter going in?
    MFW: Turning June 2036 into March 2025...
    48 out of 120 Payments - Total Reduction: 51,500.83
    Current Balance: 84,499.28
    MFiT-T5 #8 - 0% of 41,000
    • A Frayed Knot
    • By A Frayed Knot 5th Jan 19, 7:47 AM
    • 2,721 Posts
    • 12,038 Thanks
    A Frayed Knot
    The next major decision... What type of frame is the letter going in?
    Originally posted by shangaijimmy

    I think not, it's decluttering time. (lets see how long that lasts).
    Always have 00.00 at the end of your mortgage and one day it will all be 0's
    Mortgage Free 21.12.18
    Just 11 Years 3 months early
    MFMarch 30 Re/M Oct 23 Target -Dec 19
    O/P's 2014/4000, 2015/6294.69, 2016/3186.80, 2017 4068.97

    • bexster1975
    • By bexster1975 5th Jan 19, 7:52 AM
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    • 6,602 Thanks
    bexster1975
    You must watch the new Netflix series with Marie kondo.

    Fabulous!

    Happy decluttering. Going to have a lazy morning as I have a cold

    Bexster
    • A Frayed Knot
    • By A Frayed Knot 5th Jan 19, 8:21 AM
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    A Frayed Knot
    Happy New Year Everyone. Hope everyone had a lovely time and all back to normal now.

    Went back to work Thursday, so nice short week. Oh, checked my a/l, Yes I was officially off Hogmanay so got an apology.

    Needed milk, so went to L1dls after work, came out 45 lighter, Got lots of lovely bargains and have great plans to stock up on my batch cooking again, now spare freezer had a clear out and defrosted.

    Thought I would start small with my wants/needs list, so new iron bought this was a "needed" item as just happened to drop mine and it broke, oops (spare one I had was just not up to the job) thank goodness it wasn't on or would have been adding a carpet to my "needs" list.

    So today, will either be a day batch cooking, or into room of doom for a clear out/declutter, now which one will it be so exciting decisions to make

    Have a good weekend, all.
    Always have 00.00 at the end of your mortgage and one day it will all be 0's
    Mortgage Free 21.12.18
    Just 11 Years 3 months early
    MFMarch 30 Re/M Oct 23 Target -Dec 19
    O/P's 2014/4000, 2015/6294.69, 2016/3186.80, 2017 4068.97

    • A Frayed Knot
    • By A Frayed Knot 13th Jan 19, 12:31 PM
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    A Frayed Knot
    I am well pleased to report 5 days at work were all NSD's . Very pleased with that and a great start to the year.

    Also meant to be a big shake up at work, which now see's me on my favourite job just hoping it will not make me sick again but that was under extreme circumstances, once back at work, they never put me back on that job for nearly 2 years I suppose they were looking after my health.

    Still managing to post a few bits and bobs on the bay and very pleased they are selling.

    Have started the declutter but will take a while, so doing a few hours when I can.
    Must remember not to just move items into another room and actually decide.
    Must keep telling myself, 3 boxes, CS, Bay or Bin.
    Must try harder.

    Oh and once on netflix will be straight to Marie Kondo's series.
    Last edited by A Frayed Knot; 13-01-2019 at 12:33 PM.
    Always have 00.00 at the end of your mortgage and one day it will all be 0's
    Mortgage Free 21.12.18
    Just 11 Years 3 months early
    MFMarch 30 Re/M Oct 23 Target -Dec 19
    O/P's 2014/4000, 2015/6294.69, 2016/3186.80, 2017 4068.97

    • bexster1975
    • By bexster1975 13th Jan 19, 2:16 PM
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    bexster1975
    I would highly recommend the Marie kondo series. I've been doing MK for about 2 years in total ( I really can't do the all in one go thing). It's been very successful. The series is overall very good.

    Glad to see your NSDs going well. Are we going to compare the year/half year again? I'm up for it if you are

    Bexster
    • A Frayed Knot
    • By A Frayed Knot 14th Jan 19, 12:46 AM
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    A Frayed Knot
    Hi Bexster, I could try that again as I seem to be a bit more organised this time round for now.

    Would it be cheating if I just noted NSD's at work as in a few months time, something will be done on the house and will have to start buying for that.


    Priced for new radiators in each room, and seems very reasonable, well at least got a figure to start with.
    Always have 00.00 at the end of your mortgage and one day it will all be 0's
    Mortgage Free 21.12.18
    Just 11 Years 3 months early
    MFMarch 30 Re/M Oct 23 Target -Dec 19
    O/P's 2014/4000, 2015/6294.69, 2016/3186.80, 2017 4068.97

    • bexster1975
    • By bexster1975 14th Jan 19, 1:53 PM
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    • 6,602 Thanks
    bexster1975
    He he! We will allow " home renovations" as an exemption for you!

    Bexster
    • A Frayed Knot
    • By A Frayed Knot 2nd Feb 19, 12:13 PM
    • 2,721 Posts
    • 12,038 Thanks
    A Frayed Knot
    Morning (well just) all,

    Beautiful morning here, and slightly warmer, sun beating in window and have no heating on in fact house has been very toastie this last week, that I have only had heating on twice, slightly chiller at the back of the house though.

    Keep hearing the snow is bad, but so far only seen it on the hills. Not too sure if it snowed last night or not, as all week it's been white with frost, so can't tell if the white on the roofs is frost or snow as it's only on parts.

    Not much happening here, still managing my nsd's at work and at home, as only 1 spend day last week when I bought new micro/grill that was much needed.

    Getting to grips with MK clearing out, so have started, lots to go through though and not much time to do it.

    I am now looking for a steamer (not of the food kind that my friend suggested) but one that will clean upholstery and maybe carpets, any suggestions or recommendations very welcome as I'm not quite sure what type I need to look out for that will do both and of a reasonable price. (Still not lost my economy ways ).

    Enjoy your weekend.
    Always have 00.00 at the end of your mortgage and one day it will all be 0's
    Mortgage Free 21.12.18
    Just 11 Years 3 months early
    MFMarch 30 Re/M Oct 23 Target -Dec 19
    O/P's 2014/4000, 2015/6294.69, 2016/3186.80, 2017 4068.97

    • A Frayed Knot
    • By A Frayed Knot 10th Feb 19, 12:15 PM
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    • 12,038 Thanks
    A Frayed Knot
    Morning,

    Yet again, another beautiful morning, with sun beating in the window at the front of the house

    Finally managed to ask for time off, so next two Mondays are in with my weekends off or so I thought rota says - no Will check when I get back Tuesday and it will be Tuesday - asked if I really want/need Monday off Yes I do Need and Want - was my reply as I was leaving on Friday.

    I have exactly 50% of my a/l left with 6 weeks left to use it all, and they still ask if I want Monday

    Last week a bit spendy - retirement lunch & gift & night out. However nothing spent since then as keeping busy clearing out kitchen - again. Finally managed to open new microwave box and set it up which lead on to cupboards being cleared out.

    A few more items to list on the bay, so will keep me busy for a while, then maybe some shopping tomorrow for a new mascara, wow, last of the big spenders

    Have a lovely Sunday whatever you are planning.
    Always have 00.00 at the end of your mortgage and one day it will all be 0's
    Mortgage Free 21.12.18
    Just 11 Years 3 months early
    MFMarch 30 Re/M Oct 23 Target -Dec 19
    O/P's 2014/4000, 2015/6294.69, 2016/3186.80, 2017 4068.97

    • bexster1975
    • By bexster1975 10th Feb 19, 4:16 PM
    • 1,377 Posts
    • 6,602 Thanks
    bexster1975
    Hi AFK

    Whoo hoo for Monday off!

    Typical work " do you really need the day off?" WTF?! No, actually I'd really like my whole life off work but, you know... ( eyeroll)

    Glad you are getting kitchen sorted out. After a dull start, weather has perked up nicely for a lovely sunset.

    Enjoy mascara shopping tomorrow, you spendthrift you!

    Bexster
    • A Frayed Knot
    • By A Frayed Knot 10th Feb 19, 5:13 PM
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    A Frayed Knot
    Hi Bexster,

    Hope you are feeling better now.

    I couldn't have said it any better WTF - a day off ????


    I have had my stress symptom's for around 2 weeks now, so it was time to ask for "time out" know I need more than a day, but I'll go with that for now and see how I feel the rest of the week. So darn tired.

    Better news is I have had my 1st pay since being MF and it feels fine, keep expecting the balance to drop but it's not moving I've really not done anything, any different yet, do need a plan and very soon, but for now, too tired

    Just been to M's and imagine my luck was in as I managed to pick up some of the YS that always elude me. Spent 16 all in, wish I knew someone who liked Scottish Smoked Salmon as that was reduced from 4.50 to 23p a packet. Oh and used a 15 voucher I had from my survey days. And got a bargain with my milk teeth sweeties 2 packets for 1 If only all my shopping was like this, greedy that I am So cost was a grand total of 1 for everything

    Yes, kitchen is getting sorted - again, how on earth do I manage to accumulate so much ?

    Hope your plans are going well?
    Always have 00.00 at the end of your mortgage and one day it will all be 0's
    Mortgage Free 21.12.18
    Just 11 Years 3 months early
    MFMarch 30 Re/M Oct 23 Target -Dec 19
    O/P's 2014/4000, 2015/6294.69, 2016/3186.80, 2017 4068.97

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