being tight has paid off

Kingy · 30 Sep 2010 at 09:43

gurdas said:
Exactly, now if he said he did 65 flights in the last 12 months, did husky racing in the arctic in -35c, snowboarded in chamonix, partied in milan, ibiza, marbella x 2, singapore, sydney, tenerife x 2, cyprus, traveled all over Australia for a month, and spent several weeks in Singapore working with Tony Blair whilst paying off his student loan and £18k masters and buying a powerful sports car whilst investing in businesses and only being 23.....I would have been impressed

*cringe*

Morba · 30 Sep 2010 at 09:46

Gavin I can see what you are saying. Children aren't cheap and to do things can start costing a lot of money.
However I can see it from fox's pov. It does seem very boring from the outside. That said, I know that to fnd your own way to have fun and you have grown up, gone through uni and sound very respectful.
If your parents have put you in a position where you can be a better adult then that's no bad thing. Also your dad may have put you on the path to a better life for your family, so that you don't need to skrimp and save for your children

Crimefighter · 30 Sep 2010 at 09:54

Grats to the OP for being so dedicated.

Ill probably get really tight when I start a family (like my dad was!!), but until then....game/party/holidays/gadgets on!!!!

moon man · 30 Sep 2010 at 10:06

wow still going, went to work an hour or so after starting the thread

cheers for the positive comments ,yes there are afew!

I think what you have to bear in mind is that for most of the mortgage we didnt overpay , i had a loan for a new car and we were doing the house up

Then suddenly you are made redundant with a chance of losing everything (at least one of the smugg posters will end up in this position) so what do you do spend it on crap and sit at home sulking, no in my case i took ANY job to keep us afloat ,then put the money including 3 months in leu into the house ,lost that job as well as it was agency but got my present job within days.

decided then that we didnt want that to happen again so we pummelled the mortgage in the last 3.5 to 4 years.

The deeds are in retention now (free for first year and the house is 100% ours )

what i am trying to say apart from yeeehaaa ive paid it off is that you can have a decent lifestyle on next to nothing i.e we are yards away from the greenway ,why should we drive everywhere its fun and keeps us fit

im a member of moneysaving expert ,we have the best deal on everythng ,what we do is buy what(some of you) do a lot cheaper

the caravan is a heads up to everybody that for a little over £500 a year you can have a second home anywhere in the country

ffs its not like im a dole scrounger or anything we just spent 3.3 years being carefull and enjoying life at the same time ,4 evenings a week leaves plenty of spare time .
Anyway im not on the little hamster wheel anymore

Musty Pie · 30 Sep 2010 at 10:13

[TW]Fox;17479295 said:
You are proud of your father for ensuring that your childhood was almost completely devoid of any sort of enjoyment whatsoever, often to the extent that other people bullied you for it?

Really?

I hate to say it fox (because most of the time i enjoy your views and oppinions on things) But the above comment was WAY out of line.

Orcish-Horde · 30 Sep 2010 at 10:13

moon man said:
just paid the mortgage off in 9.5 years (house worth about 140k) but only really overpaid in the last 4 yrs , i just feel that all our visits to the poundshops and charity shops insted of paying through the nose have been worth it.
family income is under 20k but we have still maintained a good lifestyle at the same time i.e a couple of months a year hols in our holiday home on the cornish coast ect just by watching the pennies (i.e we dont drive into town we walk or cycle)
my tip would also be to get a totaly flexible mortgage with no overpayment fees ,Brittania have been excellent!

Its great to be mortgage free, nothing like getting that monkey of your back. My advise would be to save for the next 6 months then start treating the family.

Scam · 30 Sep 2010 at 10:18

ALthough the op should be proud of his achievement, like anyone that bought their house before the bubble set in he should feel extremely, extremely lucky that he could do so. Nowadays that 40k might almost be enough for a deposit in the south.

Gavin · 30 Sep 2010 at 10:47

Morba said:
Gavin I can see what you are saying. Children aren't cheap and to do things can start costing a lot of money.
However I can see it from fox's pov. It does seem very boring from the outside. That said, I know that to fnd your own way to have fun and you have grown up, gone through uni and sound very respectful.
If your parents have put you in a position where you can be a better adult then that's no bad thing. Also your dad may have put you on the path to a better life for your family, so that you don't need to skrimp and save for your children

Agreed, your post makes much better sense than mine lol

Musty Pie said:
I hate to say it fox (because most of the time i enjoy your views and oppinions on things) But the above comment was WAY out of line.

Thought it was just me.....

Zatoichi.uK · 30 Sep 2010 at 10:47

Grats to the OP thats awesome work! I love the idea of being debt free personally and the mortgage is obviously the biggest one most people ever have.

I have no loans, no credit card debt etc. but still have a long way to go from being mortgage free. One day....

alexthecheese · 30 Sep 2010 at 11:05

[TW]Fox;17479295 said:
You are proud of your father for ensuring that your childhood was almost completely devoid of any sort of enjoyment whatsoever, often to the extent that other people bullied you for it?

Really?

Why are you using the word 'ensuring'?

You don't really have any grasp on the situation yet feel empowered to make sweeping statements on his father and Gavin's childhood.

Adam · 30 Sep 2010 at 11:10

[TW]Fox;17479295 said:
You are proud of your father for ensuring that your childhood was almost completely devoid of any sort of enjoyment whatsoever, often to the extent that other people bullied you for it?

Really?

That comment is disgraceful, I don't understand how can you make a judgement about the quality of someone's childhood based on the limited information provided? You clearly don't have enough information to make such a personal comment.

Gavin · 30 Sep 2010 at 11:21

im glad you guys agree, i was actually quite upset by that tbh.

Wizzfizz · 30 Sep 2010 at 11:40

[TW]Fox;17479295 said:
You are proud of your father for ensuring that your childhood was almost completely devoid of any sort of enjoyment whatsoever, often to the extent that other people bullied you for it?

Really?

Bit out of line that. You might want to read the full post before making a sweeping judgment.

Fr0dders · 30 Sep 2010 at 11:53

Fox specializes in being out of line and insulting and offending people.

He's the frankie boyle of Overclockers.

If you dont like it just move on and ignore it. nothing will change the way he posts on here.

jamief · 30 Sep 2010 at 11:56

MrLOL said:
Fox specializes in being out of line and insulting and offending people.

He's the frankie boyle of Overclockers.

If you dont like it just move on and ignore it. nothing will change the way he posts on here.

I think the problem is that Fox comes from an upper middle class family who have basically paid his way through life. He has never experienced the "have to get a part time job at uni" or "have to pay rent to parents whilst at uni" type of life, so he perceives it all as a bit wrong. I just feel a little sorry for him

PMKeates · 30 Sep 2010 at 12:01

Last week Fox stole my ice cream

mrk · 30 Sep 2010 at 12:04

This week Fox touched my thighs

Edrof · 30 Sep 2010 at 12:06

Khaaan! said:
This week Fox touched my thighs

Pics of said thighs pls. For forensic analysis of course.

[TW]Fox · 30 Sep 2010 at 12:11

In hindsight I can quite clearly see my post was seriously out of line. I skim read the post over breakfast, and asked a quite harshly worded question to clarify my understanding of it. I read it totally wrong, the thread title is 'being tight has paid off' and assumed it was a similar story. It wasn't - and it was my fault for letting assumption rule my post.

I'd like to apologise to you for my remark, Gavin

I basically think what Morba said, but went about asking the question in a pretty rubbish way.

Eriedor · 30 Sep 2010 at 12:11

Gavin said:
im glad you guys agree, i was actually quite upset by that tbh.

If you really want to get back at him, point out he is in no place to comment being a 26 year old man still living at home with mummy and daddy so has no experience in the real world of mortgages, bills, rent etc. That winds him up a treat.