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  • FIRST POST
    • Hettyhound
    • By Hettyhound 24th Apr 19, 7:32 PM
    • 117Posts
    • 886Thanks
    Hettyhound
    Easter 2025 I知 coming to get you!
    • #1
    • 24th Apr 19, 7:32 PM
    Easter 2025 I知 coming to get you! 24th Apr 19 at 7:32 PM
    OK so that maybe slightly optimistic but you have to dream big!

    I致e been reading these for a while and decided it was time to go public instead of lurking; hopefully I can keep up with it and keep motivated. I have a mortgage which is not huge but I still have one. Originally 」80,000 in November 2015 and as of tonight stands at 」62,919.93, which does mean in the last 3 1/2 years I致e paid off 」17,030.07. The current redemption date is 11th November 2031 as it is a 16 year mortgage with 12 1/2 years left but I would love to pay it off in six years, hence Easter 2025 in the title.

    I知 a single parent to a small boy and although I don稚 earn masses I do ok. I live fairly frugally because that suits me and the mortgage is my only debt. I want to get rid of it while the boy is small and fairly cheap to run as the bigger he gets the more he will cost me. There is a kind of fuzzy end plan as to how I will spend my mortgage free time but I致e got six years to firm that up.

    So that痴 why I知 here, doing this on my own for me and my fuzzy end plan . Thanks for reading and good luck to all you mortgage free wannabes x
    SPC #120
    MFW #90 Mortgage start Dec 2015 」79,950; May 2019 」62,085.81; 2019 OP 」624.87/」1500
Page 3
    • Jessy103
    • By Jessy103 13th May 19, 5:56 PM
    • 538 Posts
    • 2,247 Thanks
    Jessy103
    Hi Hetty! Great progress so far, well done! Good luck with your journey
    • Kat78MFW
    • By Kat78MFW 13th May 19, 7:47 PM
    • 81 Posts
    • 126 Thanks
    Kat78MFW
    Glad that you are getting some prolific surveys already. Sorry to hear about your car - I think the biggest hurdle most months to bigger OPs is car related expenses.
    Current mortgage (March 19) 」54 943 (5yr fix since Jan 18 Interest Only 1.99%)
    Current monthly payment 」799 (」109 interest and 」690 repayment)
    Current Mortgage Free Date March 2025
    Opening mortgage balance June 2002 - 」114 000
    Re-mortgage May 2007 」118 000 (borrowed extra 」14 000 to pay loan back to BIL+SIL)
    Agreed repayment date May 2027
    • Hettyhound
    • By Hettyhound 13th May 19, 7:52 PM
    • 117 Posts
    • 886 Thanks
    Hettyhound
    OK folks so I was super happy earlier on and then, bam, the 兎mails started.....I know I知 only 2 months into this new job but it痴 not for me. It痴 not the work, I know I am capable of that despite the comments coming my way, it痴 the strong personalities that the department is made up of.

    So basically I知 having teach myself a substantial part of the job out of a manual (and I never lied, they knew I hadn稚 done that part before), do it in a day a week less than the previous role holder and also with very little in the way of useful handover notes. Most of the notes are ask so and so how to do this, but you ask so and so they are far too busy to help and you get 田omments about that and a quick you do this, this and this.

    It took me a year of looking to find this one as getting a part time job on 30 hours a week is nigh on impossible. I applied for 7 jobs in that time and got interviewed for 6 so yes I am capable of working at this grade. I知 not going to let this knock me down but I have decided to start looking around again as it may take me another year and I致e still got plenty(ish ) of working years ahead of me. I always believed I would get the job I was meant to get so there is a purpose behind this, maybe it痴 a spur into mortgage overpayment in a massive way! Or maybe I知 going to come into some money and just not feel guilty about leaving my job.....I can dream

    Anyway thanks for listening to the moaning...it will soon be the weekend,
    SPC #120
    MFW #90 Mortgage start Dec 2015 」79,950; May 2019 」62,085.81; 2019 OP 」624.87/」1500
    • Hettyhound
    • By Hettyhound 14th May 19, 2:02 PM
    • 117 Posts
    • 886 Thanks
    Hettyhound
    Decision made. I知 going to start applying for jobs with other employers and consider going back full time. I致e already got one referee on standby, will contact my other later today and I致e got 4 roles for contemplation saved in a search. This means the overpayment journey will either be longer or shorter. Off to wrangle with a G**gle spreadsheet, another thing I知 not keen on in the job; give me my old excel budget spreadsheet any day!
    SPC #120
    MFW #90 Mortgage start Dec 2015 」79,950; May 2019 」62,085.81; 2019 OP 」624.87/」1500
    • Jessy103
    • By Jessy103 15th May 19, 5:58 AM
    • 538 Posts
    • 2,247 Thanks
    Jessy103
    Good luck with the job hunt, hetty
    • Hettyhound
    • By Hettyhound 15th May 19, 1:18 PM
    • 117 Posts
    • 886 Thanks
    Hettyhound
    Just rung the garage about my car and they haven稚 even started it!!! They doubt I will get it back today and they are not even sure that it needs a new clutch. I did point out they have had it since Saturday and it was booked in their diary to be done today, I saw it was written in! So much for the Good Garage Scheme,

    Really fed up at the moment, but as they say things can only get better
    SPC #120
    MFW #90 Mortgage start Dec 2015 」79,950; May 2019 」62,085.81; 2019 OP 」624.87/」1500
    • Hettyhound
    • By Hettyhound 15th May 19, 8:53 PM
    • 117 Posts
    • 886 Thanks
    Hettyhound
    Garage rang back less than an hour later, strange that. Anyway the upshot is price is now 」200 higher, could take a day to get the parts delivered, they are busy because of the bank holidays and I知 not likely to get my car back until early next week.

    I知 going in on the bus tomorrow but will be late in and have to leave early due to childcare. The boy has Beavers tomorrow night so that痴 a 20 minute walk each way, he値l miss drama on Saturday again and we won稚 be able to go on the last greyhound walk before summer which is this Sunday, And....just to make things even worse the garage man called me lovey!!!

    OK so positives for the day, the sun has been shining and I致e planted out my courgettes and spinach, earned quite a bit on Prolific and ironically one of the surveys was about dealing with stress, I致e found loads of jobs I can apply for so think I will probably be applying for about 3 per week as an average so fingers crossed it won稚 take me a year to find another job. Positive for tomorrow, I値l get to read a book on the bus journey!
    SPC #120
    MFW #90 Mortgage start Dec 2015 」79,950; May 2019 」62,085.81; 2019 OP 」624.87/」1500
    • beanielou
    • By beanielou 15th May 19, 9:10 PM
    • 63,171 Posts
    • 277,719 Thanks
    beanielou
    Cars are such a blooming pain.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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. ***Be the difference.***
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 15th May 19, 9:35 PM
    • 2,111 Posts
    • 11,522 Thanks
    wishingthemortgaheaway
    Not good Hetty. As Beanielou said, cars are a pain.
    Outstanding mortgage: 」27,000
    MFW 2019 Challenge Member #28: 」800.something/ 」2860
    • Makethedayscount
    • By Makethedayscount 16th May 19, 5:29 PM
    • 64 Posts
    • 377 Thanks
    Makethedayscount
    I'm really enjoying your diary and following with interest. Thanks for introducing me to prolific and well done on the overpayment

    • Hettyhound
    • By Hettyhound 16th May 19, 6:15 PM
    • 117 Posts
    • 886 Thanks
    Hettyhound
    Thanks Maketheday. I致e got 」9 in Prolific already and I only signed up a week ago. I was also accepted on a study that will contact me 3 times 4 weeks apart and pay an extra bonus if I complete all 3.
    SPC #120
    MFW #90 Mortgage start Dec 2015 」79,950; May 2019 」62,085.81; 2019 OP 」624.87/」1500
    • Hettyhound
    • By Hettyhound 18th May 19, 6:37 AM
    • 117 Posts
    • 886 Thanks
    Hettyhound
    Still no car apparently 努ith a following wind I might get it back Monday but it痴 more likely to be Tuesday. At least the part has arrived at the garage so I should be grateful. Didn稚 even open my book on the bus, was too busy listening in to overheard bus conversations, fascinating! Thursday was a write off. After rushing about to get my son to beavers a friend dropped him off at 7:30. I got him into bed and then went to lie down on mine for a while as I had a really bad headache and then woke up at 4:45am! Last night wasn稚 much better as dozed off during Gardeners World so will have to watch it again on catch up.

    I had to cancel everything I had planned for the weekend but the boy has a party this morning which is in walking distance so he can still go to that, I値l have to do some work this weekend and I致e got job applications to work on. I did have a chat with an old work colleague and she thinks I知 doing the right thing, she also said she would be a referee if I need her too, she痴 a manager although not my line manager.

    Want to get some gardening done today too, that always makes me feel better. One of my geums is looking a bit ill but the others are really looking good. Maybe it痴 the place it痴 planted but not sure if I dig it up and move it whether I will damaged it more. It痴 was from the sick plant section about two years ago and did well last year; there are a couple of flowers but the leaves are curling. So many jobs, such little time!
    SPC #120
    MFW #90 Mortgage start Dec 2015 」79,950; May 2019 」62,085.81; 2019 OP 」624.87/」1500
    • Hettyhound
    • By Hettyhound 20th May 19, 9:30 PM
    • 117 Posts
    • 886 Thanks
    Hettyhound
    Well obviously the wind wasn稚 blowing in my direction! Rang the garage while I was on the bus home to be told everything was going ok but.....when they took the drive shaft off a bit on the end broke so they have ordered a new part which they will get in the morning. Picking it up Tuesday night and no doubt receiving a large bill.

    Oh well at least I値l be able to get shopping again on Wednesday as I致e just been picking up bits at an expensive well known supermarket. Add in the bus fares and I値l be very skint come pay day. The bus costs 」4:40 a day but if I壇 known I壇 be on the bus so long I could have bought a weekly ticket and saved a bit of money.

    Applied for a job last night. Submitted it at 11:45pm because they brought the submission date forward! The search starts all over again
    SPC #120
    MFW #90 Mortgage start Dec 2015 」79,950; May 2019 」62,085.81; 2019 OP 」624.87/」1500
    • beanielou
    • By beanielou 20th May 19, 9:33 PM
    • 63,171 Posts
    • 277,719 Thanks
    beanielou
    Blooming cars
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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. ***Be the difference.***
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