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  • FIRST POST
    • tattycath
    • By tattycath 19th Apr 17, 5:51 PM
    • 6,820Posts
    • 35,978Thanks
    tattycath
    My big financial challenge to mortgage freedom
    • #1
    • 19th Apr 17, 5:51 PM
    My big financial challenge to mortgage freedom 19th Apr 17 at 5:51 PM
    I've been avidly paying off as much of the mortgage as I could for the last 8+ years, only...it wasn't my mortgage.
    Now we are parting ways and I'm ready for a new challenge.
    I need to get a mortgage-in the throes of, as we speak. Once I get it, I need to pay it off ASAP. It's more than 3 X the size of my ex partners mortgage.

    So, myself and Miss tc are buying a house together. (Trying to).
    We finally received documents to sign and the conveyancer wants the deposit. I'm hoping that we will be sorted and moved within a month.
    We are first time buyers and there is no chain.
    GE 36 *MFD
    MFIT-T4 No 83
    Mortgage overpayments:

    Emergency savings 100/2000
    Savercard Christmas savings 10
    12/3/17 175lb - 15/3/17 173lb - 28/6/17 167lb - 14/7/17 164lb - 12/9/17 160lb - 29/12/17 155lb
Page 7
    • tattycath
    • By tattycath 27th Aug 17, 9:22 AM
    • 6,820 Posts
    • 35,978 Thanks
    tattycath
    Just been number crunching and so far this month I have overpaid mortgage by 162.86
    GE 36 *MFD
    MFIT-T4 No 83
    Mortgage overpayments:

    Emergency savings 100/2000
    Savercard Christmas savings 10
    12/3/17 175lb - 15/3/17 173lb - 28/6/17 167lb - 14/7/17 164lb - 12/9/17 160lb - 29/12/17 155lb
    • tattycath
    • By tattycath 28th Aug 17, 9:52 PM
    • 6,820 Posts
    • 35,978 Thanks
    tattycath
    No spend day today.

    August to do list:

    Sort out loft
    Pay 200 off mortgage well on the way-paid over 160 off.
    Put 150 in savings nope, didn't happen this month. Must try harder next month
    Sort spare roomno, that didn't get sorted either but it's on my list of jobs to do this week as we are expecting visitors soon
    Organise kitchen cupboardspartially, but still got stuff to do
    Start getting ready for Christmas- start buying presents or putting money away for presents. I know it's early, but it is only about 21 weeks away and will soon be upon us. yep, I have made a start with this and I am buying extra things to add to hampers etc
    Originally posted by tattycath
    I did manage to sort shed out-finally. So that will help with the sorting of other things. I have things that live in the house that should live in the shed (I don't mean physically live, I am talking inanimate objects here.
    As things get put in the shed, it will free up room for other things to have a proper place to be in the house.
    GE 36 *MFD
    MFIT-T4 No 83
    Mortgage overpayments:

    Emergency savings 100/2000
    Savercard Christmas savings 10
    12/3/17 175lb - 15/3/17 173lb - 28/6/17 167lb - 14/7/17 164lb - 12/9/17 160lb - 29/12/17 155lb
    • tattycath
    • By tattycath 28th Aug 17, 9:58 PM
    • 6,820 Posts
    • 35,978 Thanks
    tattycath
    Even though it's been a long weekend it doesn't really feel like I've had a totally relaxing weekend. I offered to help someone out Saturday and spent all day doing just that.
    Yesterday I did a few jobs, all the washing and sorted shed and did a couple of tip runs too.
    I was going to vacuum today, but I did it last night instead as it was cooler last night.
    Today
    ...I went out and bought some DIY stuff and a few bits to make a birthday present for a dear friend.
    I did have a quiet fairly relaxing afternoon and evening as I decided it was too hot to do jobs.
    Early night tonight as its a super early start for me in the morning. I tend to only sleep between 5 and 7 hours a night anyway, usually nearer to 5 than 7.
    GE 36 *MFD
    MFIT-T4 No 83
    Mortgage overpayments:

    Emergency savings 100/2000
    Savercard Christmas savings 10
    12/3/17 175lb - 15/3/17 173lb - 28/6/17 167lb - 14/7/17 164lb - 12/9/17 160lb - 29/12/17 155lb
    • tattycath
    • By tattycath 28th Aug 17, 9:59 PM
    • 6,820 Posts
    • 35,978 Thanks
    tattycath
    I have been mulling over some new ideas to increase my income...fingers crossed I can do this and make a success of it-along side my business and regular job for now... exciting times.
    GE 36 *MFD
    MFIT-T4 No 83
    Mortgage overpayments:

    Emergency savings 100/2000
    Savercard Christmas savings 10
    12/3/17 175lb - 15/3/17 173lb - 28/6/17 167lb - 14/7/17 164lb - 12/9/17 160lb - 29/12/17 155lb
    • tattycath
    • By tattycath 31st Aug 17, 9:41 PM
    • 6,820 Posts
    • 35,978 Thanks
    tattycath
    I had a final push and managed to overpay mortgage by just over 203 this month. I'm happy with that.
    I will try and set September targets at weekend.
    GE 36 *MFD
    MFIT-T4 No 83
    Mortgage overpayments:

    Emergency savings 100/2000
    Savercard Christmas savings 10
    12/3/17 175lb - 15/3/17 173lb - 28/6/17 167lb - 14/7/17 164lb - 12/9/17 160lb - 29/12/17 155lb
    • A Frayed Knot
    • By A Frayed Knot 31st Aug 17, 10:31 PM
    • 2,425 Posts
    • 10,807 Thanks
    A Frayed Knot
    Great start to the o/p mortgage, when you remember it was a 5 week month

    Could be doing with some ideas myself for generating extra income, however
    need to invent a 48 hour day for that.

    As for Christmas, I have just put in some leave for the festive season and at the
    shops last weekend, the Christmas cards were making an appearance on the shelves.

    Too hot ! ! ! Can't say there's been 1 day this year where I could say it's been too hot :-(

    Good luck with the targets for September.
    Always have 00.00 at the end of your mortgage and one day it will all be 0's
    Target 17 months 7/24
    MFMarch 30 Re/M Oct 23 Target -Dec 19
    O/P's 2014/4000, 2015/6294.69, 2016/3186.80, 2017 4068.97

    • jwil
    • By jwil 1st Sep 17, 7:48 AM
    • 8,679 Posts
    • 26,884 Thanks
    jwil
    Well done on the overpayments

    Good luck with the extra income as well.
    "If you can dream it, you can do it". Walt Disney
    • tattycath
    • By tattycath 13th Sep 17, 4:26 PM
    • 6,820 Posts
    • 35,978 Thanks
    tattycath
    Well done on the overpayments

    Good luck with the extra income as well.
    Originally posted by jwil
    Thank you jwil.
    GE 36 *MFD
    MFIT-T4 No 83
    Mortgage overpayments:

    Emergency savings 100/2000
    Savercard Christmas savings 10
    12/3/17 175lb - 15/3/17 173lb - 28/6/17 167lb - 14/7/17 164lb - 12/9/17 160lb - 29/12/17 155lb
    • tattycath
    • By tattycath 13th Sep 17, 4:28 PM
    • 6,820 Posts
    • 35,978 Thanks
    tattycath
    Well, business is picking up and it looks like it's going to be a very busy few months. Lots of irons in fires and ideas in the pipeline as I broaden my income stream.
    In view of this I may have several noticeable absences from my thread in the next few months. Everything is in hand and I've just got to work my butt off in order to achieve my objectives.
    GE 36 *MFD
    MFIT-T4 No 83
    Mortgage overpayments:

    Emergency savings 100/2000
    Savercard Christmas savings 10
    12/3/17 175lb - 15/3/17 173lb - 28/6/17 167lb - 14/7/17 164lb - 12/9/17 160lb - 29/12/17 155lb
    • Betterthanever
    • By Betterthanever 13th Sep 17, 5:07 PM
    • 526 Posts
    • 3,607 Thanks
    Betterthanever
    Sounds promising! Good luck with everything!!

    Current balance 112,593.71. Offset 2,677.73. 109,951.98 needed to be mortgage neutral!
    End date - 03/29 but aiming for 10/22 - 2018 O/pay 600
    Make 2018 in 2018 = 406.75/2018
    Former DFW Nerd 230. Determined to be MF. Bring it on!
    • tattycath
    • By tattycath 24th Nov 17, 8:14 PM
    • 6,820 Posts
    • 35,978 Thanks
    tattycath
    Well, it would appear life has thrown in another curve ball...
    this year has been a bit on the rubbish side-putting it mildly.
    Let's hope 2018 is a better year.
    GE 36 *MFD
    MFIT-T4 No 83
    Mortgage overpayments:

    Emergency savings 100/2000
    Savercard Christmas savings 10
    12/3/17 175lb - 15/3/17 173lb - 28/6/17 167lb - 14/7/17 164lb - 12/9/17 160lb - 29/12/17 155lb
    • trix-a-belle
    • By trix-a-belle 25th Nov 17, 8:10 AM
    • 831 Posts
    • 3,536 Thanks
    trix-a-belle
    stay strong xx
    - Mortgage: 1st one down, 2nd: 114800 101k
    - Student Loan: 7100 0!
    Swagbucks, Neobux, GiffGaff, Roamler, Qmee & Quidco; thank you MSE every little bit helps
    MFiT-T4
    • jwil
    • By jwil 27th Nov 17, 5:36 PM
    • 8,679 Posts
    • 26,884 Thanks
    jwil
    Well, it would appear life has thrown in another curve ball...
    this year has been a bit on the rubbish side-putting it mildly.
    Let's hope 2018 is a better year.
    Originally posted by tattycath
    Hope everything's ok lovely, was wondering how you were getting on xx
    "If you can dream it, you can do it". Walt Disney
    • A Frayed Knot
    • By A Frayed Knot 27th Nov 17, 9:15 PM
    • 2,425 Posts
    • 10,807 Thanks
    A Frayed Knot
    Well, it would appear life has thrown in another curve ball...
    this year has been a bit on the rubbish side-putting it mildly.
    Let's hope 2018 is a better year.
    Originally posted by tattycath
    OMG - life is never easy, is it? Still we always come out stronger in the end and the more we have to work at it, the more we appreciate what we have.

    Only 5 weeks left of this year and it's onto New Year, New Hopes and Dreams. Wish you well.
    Always have 00.00 at the end of your mortgage and one day it will all be 0's
    Target 17 months 7/24
    MFMarch 30 Re/M Oct 23 Target -Dec 19
    O/P's 2014/4000, 2015/6294.69, 2016/3186.80, 2017 4068.97

    • tattycath
    • By tattycath 29th Dec 17, 7:48 PM
    • 6,820 Posts
    • 35,978 Thanks
    tattycath
    OMG - life is never easy, is it? Still we always come out stronger in the end and the more we have to work at it, the more we appreciate what we have.

    Only 5 weeks left of this year and it's onto New Year, New Hopes and Dreams. Wish you well.
    Originally posted by A Frayed Knot
    Thank you A Frayed Knot.
    GE 36 *MFD
    MFIT-T4 No 83
    Mortgage overpayments:

    Emergency savings 100/2000
    Savercard Christmas savings 10
    12/3/17 175lb - 15/3/17 173lb - 28/6/17 167lb - 14/7/17 164lb - 12/9/17 160lb - 29/12/17 155lb
    • tattycath
    • By tattycath 29th Dec 17, 7:56 PM
    • 6,820 Posts
    • 35,978 Thanks
    tattycath
    Almost the end of 2017 and good riddance to it.

    Well, they say when you think things are at rock bottom the only way is up.
    Here's hoping.

    We've had a quiet Christmas and now I have picked up a flu bug-despite having a flu jab in November.

    Onto money saving:
    This week I have managed to pick up 15 decent sized chicken breast fillets for a tenner,
    4 packs of 5 unwaxed lemons for 20p a pack
    2 packs of stew pack veg for 20p a pack.
    We have an abundance of potatoes that only cost me 50p
    Christmas decs are down and in loft.
    Half the Christmas cards have been cut into gift tags for next year and the other half are waiting to be done.

    I've started on my Christmas savings card for next year, I have a tenner on it.

    Hoping for a low spend January on the grocery front.
    Off to dose myself up with more lemsip/cough mixture and then a cuppa
    GE 36 *MFD
    MFIT-T4 No 83
    Mortgage overpayments:

    Emergency savings 100/2000
    Savercard Christmas savings 10
    12/3/17 175lb - 15/3/17 173lb - 28/6/17 167lb - 14/7/17 164lb - 12/9/17 160lb - 29/12/17 155lb
    • jwil
    • By jwil 30th Dec 17, 8:09 AM
    • 8,679 Posts
    • 26,884 Thanks
    jwil
    Great bargains! Well done for starting your savings already. Hope you feel better soon xxx
    "If you can dream it, you can do it". Walt Disney
    • tattycath
    • By tattycath 31st Dec 17, 7:57 PM
    • 6,820 Posts
    • 35,978 Thanks
    tattycath
    No spend weekend.
    Today I have sorted fridge out. I made some vegetable soup with a stew pack and some potatoes and a stock cube. Cooked it in slow cooker and blitzed some in the nutribullet. Very nice and healthy and still got enough for 3 more meals I would think.
    I wrapped carrots in foil and put in fridge.
    Potatoes are being stored in a paper bag.
    I still have a turnip and some parsnips left and an onion
    Chill night tonight
    GE 36 *MFD
    MFIT-T4 No 83
    Mortgage overpayments:

    Emergency savings 100/2000
    Savercard Christmas savings 10
    12/3/17 175lb - 15/3/17 173lb - 28/6/17 167lb - 14/7/17 164lb - 12/9/17 160lb - 29/12/17 155lb
    • A Frayed Knot
    • By A Frayed Knot 31st Dec 17, 9:58 PM
    • 2,425 Posts
    • 10,807 Thanks
    A Frayed Knot
    Start the way you mean to go on . . . . .

    Lets make this . . . The Year . . . Do everything we can to make o/p's - no matter how little/large

    I am going to batch cook, bake, survey, sell . . . make . . . the list is endless, all in the name of MF

    Happy, Healthy New Year to you & Ms TC

    Always have 00.00 at the end of your mortgage and one day it will all be 0's
    Target 17 months 7/24
    MFMarch 30 Re/M Oct 23 Target -Dec 19
    O/P's 2014/4000, 2015/6294.69, 2016/3186.80, 2017 4068.97

    • tattycath
    • By tattycath 1st Jan 18, 10:05 PM
    • 6,820 Posts
    • 35,978 Thanks
    tattycath
    Great bargains! Well done for starting your savings already. Hope you feel better soon xxx
    Originally posted by jwil
    Thanks jwil. Happy new year.
    GE 36 *MFD
    MFIT-T4 No 83
    Mortgage overpayments:

    Emergency savings 100/2000
    Savercard Christmas savings 10
    12/3/17 175lb - 15/3/17 173lb - 28/6/17 167lb - 14/7/17 164lb - 12/9/17 160lb - 29/12/17 155lb
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