30 small steps

24567…21

Comments

  • WishIwasstill25
    WishIwasstill25 Posts: 213 Forumite
    Another teacher here too, good luck with the savings and long may the hols continue

    Wish
    Mortgage outstanding: [STRIKE]£47,750 (August 2014)[/STRIKE] [STRIKE][/STRIKE]£46,950 (Nov 14)[STRIKE][/STRIKE] £44,900 (June 2015)
    Student loan: Paid off June 2015 - 10 years & 2months.
  • hildosaver
    hildosaver Posts: 360 Forumite
    First Anniversary Name Dropper Combo Breaker First Post
    Good luck! Every little OP helps!
    I am insane and have 4 mortgages - total mortgage debt £200k. Target to zero = 10 years! (2030)
  • cookie9
    cookie9 Posts: 764 Forumite
    First Post First Anniversary Combo Breaker
    Not a lot of money made for OP to date.
    Charity shop is benefiting from my de-cluttering. Dh has man flu so lots spent on fruit, vitamins and cold relief tablets. Wardrobe de-cluttering also resulted in realisation I do need more workwear clothes so trousers, jumper and skirt bought. Being MF seems a long way away.
    MFW 91 op 2014 £410/1000
    MFW 91 op 2015 £4051/4000
    MFW 91 op 2016 £4040/4000
    MFW 91 op 2017 £812/4500
  • gallygirl
    gallygirl Posts: 17,228 Forumite
    Name Dropper First Anniversary First Post Mortgage-free Glee!
    cookie9 wrote: »
    Being MF seems a long way away.
    Maybe, but it would be even further away if you weren't doing what you can :T.
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
  • cookie9
    cookie9 Posts: 764 Forumite
    First Post First Anniversary Combo Breaker
    A small gain today as managed to sell some books. In addition I was sent some new shampoo and conditioner to test.

    Our building work has finally finished apart from some snagging so lots of cleaning and tidying going on. Unfortunately DH managed to break the hose on our vacuum cleaner so have had to order a new one.

    Once the house is tidy again we are thinking about having a student stay with us. Friends of ours do this and it would be an extra £1000 a month although only for a few months.
    MFW 91 op 2014 £410/1000
    MFW 91 op 2015 £4051/4000
    MFW 91 op 2016 £4040/4000
    MFW 91 op 2017 £812/4500
  • cookie9
    cookie9 Posts: 764 Forumite
    First Post First Anniversary Combo Breaker
    My lovely parents have come down to help us sort out the house so they have treated us to some of mum's great home cooking. I have found a few things in the loft to sell such as a boxed ZX Spectrum. This should help with a few more OPs.

    On this weeks list of to dos is to call the bank for a new valuation to help us get a better deal. The new carpet is fitted on Wednesday so if they came at the end of the week that would be great. It will be interesting to see if the valuation reflects the work we have had done.
    MFW 91 op 2014 £410/1000
    MFW 91 op 2015 £4051/4000
    MFW 91 op 2016 £4040/4000
    MFW 91 op 2017 £812/4500
  • cookie9
    cookie9 Posts: 764 Forumite
    First Post First Anniversary Combo Breaker
    New carpet looking good. Of course now thinking the living room should do with a new carpet too although adopted the more money saving version and hired a carpet cleaner.

    Bank will do a book valuation which is lower than the price I would expect to get if selling but would give me a deal which is based on 70%LTV. They will perform an actual valaution for around £350 which should give us access to the 60% deal. The only issue there is finding time as neither of us can take time off work. I would also like to get a fixed rate mortgage before interest rates rise.

    Have been transferred to SVR in the meantime and paying £100 less so can leave my original payment and have more OP. Good news!
    MFW 91 op 2014 £410/1000
    MFW 91 op 2015 £4051/4000
    MFW 91 op 2016 £4040/4000
    MFW 91 op 2017 £812/4500
  • cookie9
    cookie9 Posts: 764 Forumite
    First Post First Anniversary Combo Breaker
    Been so busy at work it's been hard to find time to keep up with being a MFW. Bank call back system wasn't great as they failed at time agreed time. On the plus side thanks to my OP our LTV is improved so I have my 70% LTV deal without having to do anything else. :T


    Other MFW items to sort this week is our contents insurance which is very high. Went through Quidco and have a deal which is half the price of our current one. Even better as get cashback on top.


    Unfortunately washing machine has died so need to have it repaired or replaced.:(
    MFW 91 op 2014 £410/1000
    MFW 91 op 2015 £4051/4000
    MFW 91 op 2016 £4040/4000
    MFW 91 op 2017 £812/4500
  • cookie9
    cookie9 Posts: 764 Forumite
    First Post First Anniversary Combo Breaker
    Been so busy menu planning has suffered but hopefully back on track again. Tonight oven on to roast chicken and so will pop some vegetables in for roasted vegetable pesto pasta for tomorrow's lunch. Might even do some chocolate muffins.

    Been checking our energy usage and electricity is looking better but gas still high. I need to convince Dh to switch from baths to showers!

    Once new mortgage deal starts will set up my new OP. Should be able to put just under £200 per month although need to think about building up my emergency funds again.
    MFW 91 op 2014 £410/1000
    MFW 91 op 2015 £4051/4000
    MFW 91 op 2016 £4040/4000
    MFW 91 op 2017 £812/4500
  • Pushkin
    Pushkin Posts: 795 Forumite
    cookie9 wrote: »
    Asking for the MAC code did the trick. £10 better off per month and phone bills should be lower too.

    Hi - sorry to pull up an old post but BT is on my hit list for possible reduction. I've never heard of this MAC code - is it something you can search for on their web site or do you need to contact the to request?

    Enjoying your diary btw :beer:
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