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    • Betterthanever
    • By Betterthanever 1st Sep 17, 1:17 PM
    • 521Posts
    • 3,559Thanks
    Betterthanever
    New but not new - Year 1 of 5!
    • #1
    • 1st Sep 17, 1:17 PM
    New but not new - Year 1 of 5! 1st Sep 17 at 1:17 PM
    Hi! I'm a re-joining member of old.....and whilst I'm reluctant to give up my previous 10,000 post count, I also don't fancy ex husband following my every move as I go into this next exciting chapter of life! I was a DFW stalwart for years, but am pleased to announce am on the MFW journey....with vigour

    I've not been on the boards for a while but it's lovely to see some familiar names and it's comforting having made the decision to come back!

    I'm mid 40s, kids are grown up and more or less independent (one just moved out and one still creating mess at home). I'm lucky enough to have met a fabulous man who was mad enough to marry me a couple of years ago, and life is just the best.

    The house is mine as I bought ex-h out in the divorce, which means the mortgage is also mine. We have plans and desires to start reducing our working stresses in 5 years time and oh can start drawing his lump sum and his pension then if he wishes. As we both lost out dads at 55, we are mindful of the fact we are not here forever. On the other hand we are fit and healthy so would hope to have a good few years to enjoy life ahead of us.

    We love to spend time together and travel and want to do more of this without being tied into 5 weeks annual leave allowance!

    So....all this starts with the fact my fixed rate comes to an end soon. I can switch on 31st October. The remaining term should be 11 years but I've done my calculations and reckon if I take a 5 year fixed rate, I can finish it off when that comes to an end....taking me to 52 and OH to 56 so still plenty of years ahead of us for living!

    My starting point is a current mortgage figure of 116,879.11. It's no small challenge but I'm no stranger to that and I'm going to enjoy this one an awful lot

    I feel like I've come home.....
    Last edited by Betterthanever; 03-11-2017 at 8:45 AM.
Page 26
    • Betterthanever
    • By Betterthanever 27th Jan 18, 7:53 PM
    • 521 Posts
    • 3,559 Thanks
    Betterthanever
    Thanks, beanie. I can't wait to tell more....but as I am contracted to my existing job until.mid March and they want me to keep quiet for now, I have to do so....hard though that is!

    Another 5 today requested from SB.... slowly but surely!

    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!
    • Betterthanever
    • By Betterthanever 1st Feb 18, 11:38 AM
    • 521 Posts
    • 3,559 Thanks
    Betterthanever
    A few days since I updated - time goes by so quickly at the mo! But January is done and dusted and we are into a new month, so here we go.


    January saw me make 432.56 from various extras. All very useful money when it comes to reducing the deficit and having the life we want to live.


    The mortgage benefited from an overpayment too, so the figure needed to be mortgage neutral has become more attractive too - Under 110,000 as things stand, so although that will increase again later in the year, it is starting to look like a somewhat less scary figure!


    Overall in the month, we reduced our total deficit (debt less savings) by 2003.18. I am very happy with this.


    The house is going on the market tomorrow - the estate agent is due to take photos in an hour or so, and seems confident of a quick sale. But of course they all say that. It is realistically priced I feel compared with others around in the area. Fingers crossed on that one.

    I'm now able to say I start my new job "next month".....exciting!

    Happy February everyone - the mornings are less dark now so spring is on its way.
    Last edited by Betterthanever; 01-02-2018 at 1:51 PM.

    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!
    • beanielou
    • By beanielou 1st Feb 18, 3:53 PM
    • 53,979 Posts
    • 213,918 Thanks
    beanielou
    Blimey they are amazing totals all round.
    BE proud
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • Betterthanever
    • By Betterthanever 1st Feb 18, 4:24 PM
    • 521 Posts
    • 3,559 Thanks
    Betterthanever
    I am, Beanie - I remember all too clearly just how bad it was in years gone by. Back then I could never have dreamed of being in the position I am in now. I am very grateful for MSE - as you know it has been invaluable to me in this journey of mine!

    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!
    • beanielou
    • By beanielou 1st Feb 18, 4:36 PM
    • 53,979 Posts
    • 213,918 Thanks
    beanielou
    I am, Beanie - I remember all too clearly just how bad it was in years gone by. Back then I could never have dreamed of being in the position I am in now. I am very grateful for MSE - as you know it has been invaluable to me in this journey of mine!
    Originally posted by Betterthanever
    & on mine too
    12 years this month I think.
    Time just flies.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • Betterthanever
    • By Betterthanever 10th Feb 18, 1:09 PM
    • 521 Posts
    • 3,559 Thanks
    Betterthanever
    Gosh, 10 days since I updated! In my "old" guise I don't think I ever went more than about 10 mins between posts!

    Anyway, I've been burning the candle at both ends, and don't know where the time has gone to, really. It's all go.....3 weeks left at my current job, so that's coming round very quickly. I've had some studying to do ahead of the new job, which I am pleased to say I finished today, so that takes a big stress away from me. It has been tiring, but I am glad I have done it, as it was for a subject I really thought I was never going to "get"!!

    Moneywise, we are doing ok - I am still reaping the rewards from various outlets - surveys whilst on the bus, bits from topcashback, a couple of wins from free spins, and an ebay sale have all helped keep the totals looking acceptable!

    Housewise - well, the estate agent we have been using for the marketing of our existing home has gone into administration! So we have had to start again - a new agent came round yesterday and took photos etc... we are not yet "live" with it (although I do keep checking their website!) but hopefully we will be so very shortly and we can get things moving.

    Jobs for the weekend include ringing sky to cancel sky sports - my monthly bill from them seems to be getting ever larger and we just don't have time to watch all the things we used to, so off the package it must come!

    Exercise etc - well, I've genuinely not had time to get to the gym. I have been studying before work, at lunchtime, and after work, and I have truly missed the exercise. We are planning on hitting the gym tomorrow morning, though, so hopefully I can soon get back into it. One good thing is that my gym is literally a couple of hundred yards from my new office, so once I start the new job, it will be so much easier to go. Bring it on!!

    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!
    • beanielou
    • By beanielou 10th Feb 18, 2:47 PM
    • 53,979 Posts
    • 213,918 Thanks
    beanielou
    Good to hear from you.
    Was just hoping yours wasent one of the 'lost' diaries.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • Betterthanever
    • By Betterthanever 10th Feb 18, 3:39 PM
    • 521 Posts
    • 3,559 Thanks
    Betterthanever
    Lost diaries? Ooh that is something I have missed. I've not caught up yet on anything on mse and feel quite out of touch!!

    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!
    • Karmacat
    • By Karmacat 10th Feb 18, 6:18 PM
    • 29,189 Posts
    • 166,656 Thanks
    Karmacat
    You really have been busy, haven't you! I'm glad the studying is complete, at least. I'm finding that as really big jobs get ticked off, I do feel lighter. Its a good feeling

    Have a great weekend.
    Retired August 2016
    • Courgette
    • By Courgette 11th Feb 18, 8:29 AM
    • 1,722 Posts
    • 18,226 Thanks
    Courgette
    What an excellent diary! Have just read from the beginning - mega inspirational! I *think* I know who you were - was decent coffee something you'd never compromise on even as the world crumbled around you?

    Anyway, definitely looking forward to your updates! I'm even tempted to investigate SB although I'm not sure there's space in my brick for any apps. I did do t0lluna years ago and after spending hours and hours on it never even made it to the first pay out so it put me off really.

    Good luck with operation pencil skirt!
    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%
    • Betterthanever
    • By Betterthanever 11th Feb 18, 9:57 AM
    • 521 Posts
    • 3,559 Thanks
    Betterthanever
    Haha...yes, decent coffee is the mainstay of my life!! In fact I was such a regular in the coffee shop opposite my office, that the manager Asked me out on a date.....and we have got married a couple of years ago. The directors at work bought us a mega coffee machine as our wedding present so I get amazing coffee made forme at home every day. Life really is so good compared with days of old!!!

    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!
    • Courgette
    • By Courgette 11th Feb 18, 10:06 AM
    • 1,722 Posts
    • 18,226 Thanks
    Courgette
    That's lovely!
    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%
    • beanielou
    • By beanielou 11th Feb 18, 10:09 AM
    • 53,979 Posts
    • 213,918 Thanks
    beanielou
    Haha...yes, decent coffee is the mainstay of my life!! In fact I was such a regular in the coffee shop opposite my office, that the manager Asked me out on a date.....and we have got married a couple of years ago. The directors at work bought us a mega coffee machine as our wedding present so I get amazing coffee made forme at home every day. Life really is so good compared with days of old!!!
    Originally posted by Betterthanever
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • Betterthanever
    • By Betterthanever 11th Feb 18, 10:24 AM
    • 521 Posts
    • 3,559 Thanks
    Betterthanever
    I really am very lucky. Life has turned out well for me but I certainly don't take it for granted.

    So....I cancelled some of the sky package, reducing the bill by 40 a month....that will make a difference to the mortgage overpay pot. Every little helps!

    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!
    • Karmacat
    • By Karmacat 11th Feb 18, 11:38 AM
    • 29,189 Posts
    • 166,656 Thanks
    Karmacat
    40 a month is a great reduction, especially since you don't use those channels these days maybe now that your hip is healed?

    And awwww! I didn't realise that was where you met your OH, I thought it was on the ski slopes
    Retired August 2016
    • Betterthanever
    • By Betterthanever 11th Feb 18, 11:57 AM
    • 521 Posts
    • 3,559 Thanks
    Betterthanever
    No, he didn't learn to ski until he met me! Mind you, he has the bug now and is missing the slopes as much as I am this year. Pesky hip not quite up to hurtling down mountains this season!!

    And, yes, it was my love of coffee and his noticing my love of high heels and pencil skirts that brought us together......haha!!

    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!
    • pinkypig
    • By pinkypig 11th Feb 18, 12:40 PM
    • 1,204 Posts
    • 9,917 Thanks
    pinkypig
    Hello Mrs, nice to see you back!

    An exercise nut with a coffee addiction - you could be me

    Lovely back story to your OH

    Hope you find some relax time (or at least catch your breath time )today xx
    • beanielou
    • By beanielou 11th Feb 18, 4:00 PM
    • 53,979 Posts
    • 213,918 Thanks
    beanielou
    40 quid a month is awesome
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • Betterthanever
    • By Betterthanever 11th Feb 18, 6:07 PM
    • 521 Posts
    • 3,559 Thanks
    Betterthanever
    It may not be once DS realised half the channels have disappeared!!!!!

    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!
    • beanielou
    • By beanielou 11th Feb 18, 6:18 PM
    • 53,979 Posts
    • 213,918 Thanks
    beanielou
    It may not be once DS realised half the channels have disappeared!!!!!
    Originally posted by Betterthanever
    Ah well, that is another story!
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
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