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Posted: Fri Jan 20, 2012 10:34 pm
by olympic_torch
We had our mortgage statement today, starting to drop a bit now.
if i can steel myself once our iva is completed, i would like to use the money to overpay, which means i could finish my mortgage 3 years earlier, then i plan to use the avc's on my pension to pay off anything that may be left.
then its cheerio work, a bench in the park, and that will do nicely.
Posted: Fri Jan 20, 2012 10:37 pm
by Car1e
I wish you all the best Olympic. Quite fancy a bench in the park myself!
Posted: Fri Jan 20, 2012 10:40 pm
by olympic_torch
Thanks, well, that's part of my daydream anyway.
you never know what's around the corner, but i hope to get there.
Posted: Fri Jan 20, 2012 10:45 pm
by kazzafunk
Great plan OT.
I intend to spend this spring and summer in the garden enjoying my early retirement instead of racing to cut the lawn on a saturday so I can rest on a sunday before work.
Posted: Sat Jan 21, 2012 11:24 am
by plasticdaft
I am hoping to make overpayments to the mortgage soon,as its sitting on 2.5%(TSB SVR),fortunately we didnt take as big a mortgage as TSB offered us so the mortgage isnt massive anyway,but still has just under 20 years to run.
I have seen a nice bench but its on top of a local hill and the view is fantastic,hopefully by the time I retire I will still be able to walk the rocky path up there.
Paul
Posted: Sat Jan 21, 2012 11:38 am
by kallis3
Sooner I can leave work the better!!! Will be able to spend more time walking the dogs!!
Posted: Sat Jan 21, 2012 12:05 pm
by Shining
I want to reduce my hours at work but not stop completely (or I'd be lazier than I am now!).
All the best OT with your plans hope they come to fruition. x
Posted: Sat Jan 21, 2012 12:20 pm
by kallis3
I can't wait to be a lady of leisure!!!
Posted: Sat Jan 21, 2012 4:43 pm
by olympic_torch
I try to get away with as little as possible now, i just need the bus pass to prove it.
Posted: Sat Jan 21, 2012 4:50 pm
by kallis3
I've got to wait another seven years for my bus pass unfortunately!!
I do as little as possible!!
Posted: Sat Jan 21, 2012 4:56 pm
by olympic_torch
Same for me, just over 6 years, not that ours are much good round here, cant use them till after 9,30am
Posted: Sat Jan 21, 2012 5:03 pm
by kallis3
Hubby has had one for a while as he was in receipt of disability benefit - not heard him say if he could use it before 9.30 - not that he's usually out before then other than walking the dogs!!
Posted: Sun Jan 22, 2012 8:01 am
by Shining
My mum uses hers a lot but she's in the city whereas where I live you hardly ever see a bus x
Posted: Sun Jan 22, 2012 8:56 am
by kallis3
Hubby uses his to go and collect his pension from the Post Office and do some shopping in the village at the same time. I think he quite enjoys using it!!!
Posted: Sun Jan 22, 2012 2:38 pm
by kazzafunk
Yeah - I think it's usual to not be able to use until 9.30 - to let all the workers get to work 1st!!