Thistle grasps the nettle! Again....and no sting this time!!

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  • Thistlewhistle
    Thistlewhistle Posts: 1,091 Forumite
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    Just checked Zoopla who say my house is worth £84,755 which is a little disappointing. Very in fact, since I paid £95,000 in 2007 :(

    Next doors is less but with an extra bedroom so I'm not holding out much hope on the accuracy quotient:naughty:

    Doesn't look like I'll be remortgaging any time soon!

    T:mad:

    Ps still, I'm very happy here and it is MY house and I'm not looking to move anytime soon, so I'll just keep plugging away and who knows, the value may go up in the future and I'll be better off:D
    Mortgage at end 05/2007: £90200
    Mortgage at end 08/2018: £71646 paid £18354 (20.5%)
    MFD: :eek:Original:05/2042:eek:
    Car Finance: £8225 : £6392 (22.2% paid off)
    CC Debt (0% until 06/2020): £5640 : £4400 (21.7% paid off)

     Age of Money at 31/08/2018 = 23 days

    YNAB is changing the way I live my life....and spend my money!!
  • midnight_child
    midnight_child Posts: 390 Forumite
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    That estimate from z00pla is very much a back of a fag packet calculation. But if accurate says it is worth more than you owe the bank, so that is a plus.


    The timing of buying just before a crash is very unlucky, but remember that renting for the last 8 years you may have paid out as much.




    MC
    Initial mortgage (Dec 2012) £108,000 3.84%APR MF date Jan 2038

    Mortgage remaining £68285
    Daily interest £4.28
    2017     MFW #14 £3746.90/£10,000
  • Thistlewhistle
    Thistlewhistle Posts: 1,091 Forumite
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    You're right Midnight, the crash hasn't helped, but I'm not looking to move so I'm good for a while. Hopefully I'll be better off at some point and if I'm overpaying whilst the value is rising I'll be attacking the issue from both ends so to speak!!


    Night

    T;)
    Mortgage at end 05/2007: £90200
    Mortgage at end 08/2018: £71646 paid £18354 (20.5%)
    MFD: :eek:Original:05/2042:eek:
    Car Finance: £8225 : £6392 (22.2% paid off)
    CC Debt (0% until 06/2020): £5640 : £4400 (21.7% paid off)

     Age of Money at 31/08/2018 = 23 days

    YNAB is changing the way I live my life....and spend my money!!
  • Luckyinlife
    Luckyinlife Posts: 1,613 Forumite
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    the zoopla estimate is very up in the sky

    i checked mine a while back and it was saying 88-90 but iv had it all re wired plastered new boiler kitchen floor doors ect ect so even without this work id say 92-95 with it maby 105-110

    take it with a pinch of salt each mortgage company will have they own valuers anyway
    Mortgage--- [STRIKE]£67700 March 15[/STRIKE] [STRIKE]£65221 April 15[/STRIKE] [STRIKE]£64983 July 15[/STRIKE] [STRIKE]£64780 sept 15[/STRIKE] Remortgage [STRIKE]£67295 oct 15[/STRIKE] [STRIKE]£66599 Nov 15[/STRIKE] [STRIKE]£65878.73 Dec 15[/STRIKE][STRIKE] £64834 1st Jan 16[/STRIKE] [STRIKE]Feb 16 £64,511.89[/STRIKE][STRIKE] March 16 £64,056.40[/STRIKE] [STRIKE]April 16 £62550[/STRIKE] [STRIKE]May 16 £62,396.20[/STRIKE] Feb 17 £60.800
    Emergency fund 23k
  • Thistlewhistle
    Thistlewhistle Posts: 1,091 Forumite
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    Luckyinlife wrote: »
    the zoopla estimate is very up in the sky

    i checked mine a while back and it was saying 88-90 but iv had it all re wired plastered new boiler kitchen floor doors ect ect so even without this work id say 92-95 with it maby 105-110

    take it with a pinch of salt each mortgage company will have they own valuers anyway

    Thanks Lucky,
    You've raised my spirits! :D

    T:T
    Mortgage at end 05/2007: £90200
    Mortgage at end 08/2018: £71646 paid £18354 (20.5%)
    MFD: :eek:Original:05/2042:eek:
    Car Finance: £8225 : £6392 (22.2% paid off)
    CC Debt (0% until 06/2020): £5640 : £4400 (21.7% paid off)

     Age of Money at 31/08/2018 = 23 days

    YNAB is changing the way I live my life....and spend my money!!
  • Thistlewhistle
    Thistlewhistle Posts: 1,091 Forumite
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    Morning all,

    After finishing work last night, my friend texted me to ask if he could come round as he needed a friend. I haven't seen him for 6 months at least. He split with his girlfriend about 10 months ago because she's a nightmare. He's a beautiful, beautiful guy. So kind and gentle - good looking and would do anything for anyone. Because he's so nice, people can take advantage and his girlfriend certainly did that. To cut a long story short, she's already got 2 kids by another bloke and 7 years ago she "forgot" to take the pill and got pregnant. My friend stood by her and has been supporting and bringing up all 3 kids as if his own. He was saving so hard for a down payment on a mortgage so they'd all be secure, and she went a blew the lot on a family holiday to Spain, paying for her mother too (on hand babysitter for the holiday). My friend was so upset their relationship came to an end....

    Anyway, news is she's shacked up with someone else now and my friend is worried about his daughter etc etc.

    I was in his area so suggested we go for a drink.
    Oh my goodness me, when I saw him, I nearly cried. He's dropped from 85kg (stocky and well defined) to 60kg (gaunt, sallow complexion) and he looks so ill. He's obviously not eating properly and is depressed. So I took him for a decent meal so at least I know he ate properly yesterday. So I spent £25 I hadn't budgetted but I couldn't do anything else.

    I'm so worried about him - he's lost his sparkle and it's such a shame.
    Offered him a bolt hole if he needs to get away.

    Don't know why I'm telling you all this - suppose it was to justify the spend.

    People can be so cruel can't they:(

    T:mad:
    Mortgage at end 05/2007: £90200
    Mortgage at end 08/2018: £71646 paid £18354 (20.5%)
    MFD: :eek:Original:05/2042:eek:
    Car Finance: £8225 : £6392 (22.2% paid off)
    CC Debt (0% until 06/2020): £5640 : £4400 (21.7% paid off)

     Age of Money at 31/08/2018 = 23 days

    YNAB is changing the way I live my life....and spend my money!!
  • Ali-OK
    Ali-OK Posts: 4,073 Forumite
    First Anniversary Debt-free and Proud!
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    You're being a great friend doing that and I'd kill my budget any day to do it too. Can't put a price on friendship and support and I'm sure he'd do the same for you if the roles were reversed :)

    Good plan with your work focus too :)
    Back on the DFW Wagon:

    CC - £3,300 on 0% til 04/2020
    CC - £4,500 on 0% til 02/2019
    Loan - £12,063.84 as at 4/1/18
  • diamondsonly
    diamondsonly Posts: 241 Forumite
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    Agree with Ali on this.You are a great friend TW xx
    by the way the ex-Girlfriend sounds vile and completely selfish for doing that!! Poor guy xx
    1.7.15: £157,469.64, 10.02.16: £93,434.74
    FIT-4 #34, MFW 2016 #89 (£7350/24000)
    Target MFW Dec 2018
  • Thistlewhistle
    Thistlewhistle Posts: 1,091 Forumite
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    Cheers guys xx
    Mortgage at end 05/2007: £90200
    Mortgage at end 08/2018: £71646 paid £18354 (20.5%)
    MFD: :eek:Original:05/2042:eek:
    Car Finance: £8225 : £6392 (22.2% paid off)
    CC Debt (0% until 06/2020): £5640 : £4400 (21.7% paid off)

     Age of Money at 31/08/2018 = 23 days

    YNAB is changing the way I live my life....and spend my money!!
  • debtfreeoneday
    debtfreeoneday Posts: 4,814 Forumite
    Mortgage-free Glee! Name Dropper First Anniversary First Post
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    I'm sorry to hear about your friend, I'd of done the same and stuff the budget.

    Thanks for popping in on me, I'll subscribe to follow you!
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
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