QB Wolf's long and winding road

Options
1…6364666869…71

Comments

  • QB_Wolf
    QB_Wolf Posts: 722 Forumite
    edited 19 October 2016 at 4:54PM
    Options
    Pushkin wrote: »
    Are you having an existing utility room renovated or is it an extension to create one? Either way I'm jealous - would love a utility room - good luck with it all - am sure the end result will be worth all the hassle!

    Hi Pushkin - Neither, we're having the back part of the garage converted. Will be good to get the washing machine moved out of the kitchen, and be able to use the dryer which has been in the garage for over a year.

    Also means we can plug the dishwasher in where the washing machine was, again we've been without it for over a year.

    Also having a new boiler and central heating and having the house re-wired, maybe I won't do that overpayment after all.:D
    Start Date 16/09/2015
    Original amount outstanding = 225,000 Current amount outstanding =199,812
    Original LTV = 64% Current LTV = 49%
    Original Pay Off Date = Sep' 36 New Pay Off date = Sep' 36
    Original Dly Int = 17.17 New Dly Int = 17.17 Total OP = £1319.31
  • A_Frayed_Knot
    A_Frayed_Knot Posts: 3,296 Forumite
    First Anniversary Name Dropper Photogenic First Post
    Options
    QB_Wolf wrote: »
    . . . . . . . . . . . . . . . . maybe I won't do that overpayment after all.:D


    :naughty: .:rotfl: There's always the 3 at the end of your mortgage :rotfl: Go on, you can do it :p you know you want to :D
    Always have 00.00 at the end of your mortgage and one day it will all be 0's :dance:
    MF[STRIKE] March 2030[/STRIKE] Yes that does say 2030 :eek: Mortgage Free 21.12.18 _party_
    Now a Part Timer from 27.10.19
  • QB_Wolf
    QB_Wolf Posts: 722 Forumite
    Options
    Sorry AFK not managed to make the OP. As someone once said Money is too tight to mention.... Work is ongoing on the utility room, I really hope it's going to be worth it - not sure what it's going to add to my life personally, but there you go.
    Start Date 16/09/2015
    Original amount outstanding = 225,000 Current amount outstanding =199,812
    Original LTV = 64% Current LTV = 49%
    Original Pay Off Date = Sep' 36 New Pay Off date = Sep' 36
    Original Dly Int = 17.17 New Dly Int = 17.17 Total OP = £1319.31
  • A_Frayed_Knot
    A_Frayed_Knot Posts: 3,296 Forumite
    First Anniversary Name Dropper Photogenic First Post
    Options
    No matter, other priorities are taking over for the moment, and I'm sure it will make a huge difference to you.Happy Wife, Happy Life and all that

    I'm going to relax the o/p's/savings for the next two months until after the NY, then pick it up again, knowing I have 2 "free" months for council tax - will boost my o/p's to get me started again

    And if you just happen to have a spare £ or two, no harm in o/p them, just remember, that would be another £2 your not paying interest on, ever again
    Always have 00.00 at the end of your mortgage and one day it will all be 0's :dance:
    MF[STRIKE] March 2030[/STRIKE] Yes that does say 2030 :eek: Mortgage Free 21.12.18 _party_
    Now a Part Timer from 27.10.19
  • QB_Wolf
    QB_Wolf Posts: 722 Forumite
    edited 18 November 2016 at 11:22AM
    Options
    Standard Mortgage payment gone in and we've now paid 10k off the mortgage. Only another 21.5 10ks left to pay :-)

    The re-wiring has started on the house, wife and kids have moved out, I'm sleeping on the sofa and the house looks like Beirut.

    I've also been doing another job at work on an interim basis and that's going really well, but really opened up my mind about what to do with my career - watch this space.
    Start Date 16/09/2015
    Original amount outstanding = 225,000 Current amount outstanding =199,812
    Original LTV = 64% Current LTV = 49%
    Original Pay Off Date = Sep' 36 New Pay Off date = Sep' 36
    Original Dly Int = 17.17 New Dly Int = 17.17 Total OP = £1319.31
  • try_harder
    try_harder Posts: 1,527 Forumite
    First Anniversary First Post Combo Breaker
    Options
    Just finished reading through your diary this morning ,you have done so well ,your new home sounds lovely ,will be following with interest.
  • QB_Wolf
    QB_Wolf Posts: 722 Forumite
    Options
    Thanks Try Harder - I really appreciate you taking the time to read my diary, hope you enjoyed it.
    Start Date 16/09/2015
    Original amount outstanding = 225,000 Current amount outstanding =199,812
    Original LTV = 64% Current LTV = 49%
    Original Pay Off Date = Sep' 36 New Pay Off date = Sep' 36
    Original Dly Int = 17.17 New Dly Int = 17.17 Total OP = £1319.31
  • QB_Wolf
    QB_Wolf Posts: 722 Forumite
    Options
    Just made a £37.43 OP to round my balance down, A Frayed Knot would be very proud. Another 0.01% of my mortgage paid off.
    Start Date 16/09/2015
    Original amount outstanding = 225,000 Current amount outstanding =199,812
    Original LTV = 64% Current LTV = 49%
    Original Pay Off Date = Sep' 36 New Pay Off date = Sep' 36
    Original Dly Int = 17.17 New Dly Int = 17.17 Total OP = £1319.31
  • A_Frayed_Knot
    A_Frayed_Knot Posts: 3,296 Forumite
    First Anniversary Name Dropper Photogenic First Post
    Options
    Your right,

    Well done :T QB Wolf, even with all the work you have going on, you are still managing to o/p :j
    :D addictive, isn't it :D
    Always have 00.00 at the end of your mortgage and one day it will all be 0's :dance:
    MF[STRIKE] March 2030[/STRIKE] Yes that does say 2030 :eek: Mortgage Free 21.12.18 _party_
    Now a Part Timer from 27.10.19
  • QB_Wolf
    QB_Wolf Posts: 722 Forumite
    Options
    Pay day and monthly review of financial situation, not a pretty picture. Overall £10k worse off than I was, 2 months ago (for some reason I didn't do it last month). Nothing I can do, just suck it up.

    Still the work continues on the house, re-wiring is still going on, the electric meter is being moved on Monday, can't wait for the weekend. We've got a Ball to go to tonight which should be fun. Have a great weekend everyone :-)
    Start Date 16/09/2015
    Original amount outstanding = 225,000 Current amount outstanding =199,812
    Original LTV = 64% Current LTV = 49%
    Original Pay Off Date = Sep' 36 New Pay Off date = Sep' 36
    Original Dly Int = 17.17 New Dly Int = 17.17 Total OP = £1319.31
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

Categories

  • All Categories
  • 343.2K Banking & Borrowing
  • 250.1K Reduce Debt & Boost Income
  • 449.7K Spending & Discounts
  • 235.3K Work, Benefits & Business
  • 608.1K Mortgages, Homes & Bills
  • 173.1K Life & Family
  • 247.9K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 15.9K Discuss & Feedback
  • 15.1K Coronavirus Support Boards