sarahevie's single quest to mortgage freedom
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Good news on the house :jI am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.1 -
Congrats enjoy the new chapter :]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 23k1 -
So today I have
- purchased car tax for 12 monts - £130
- paid the next half term before and after school fees £833
- updated tax credit claim as a change in childcare provider has reduced my costs now only £894 a month
- walked to doctors 5 mile round trip
- walked girls to school, first time, this academic year as usually drop them on way to work
- changed bedding x4
- looked after dd3 as she's pretty unwell, hence why im not at work
HOME
Original mortgage free date Nov 2037
Mortgage free August 2018
Additional properties
Mortgage 1 £108,000
Mortgage 2 £45,000
Teacher pension - DB scheme
LGPS pension - DB scheme0 -
Hope DD3 is better soon, missed the bit about the ex seeing someone(hope you are Ok with that)
Whoop to the house transfer.. hope it's done quicklyDFW (08/08) £64,346.53 Gone (02/19)
MFW (08/08) £118k Gone (09/23)0 -
Hi Sarah - i am new to reading the MFW diaries and getting to know everyone. Your current mortgage level is similar to mine so will be good to see us both get it paid off!!
Sorry dd unwell - hate those days for the inconvenience but also its time spent with the littlies
SLM1 -
Great to read the news on the house - soon be all yours
Hope DD3 gets well soon, horrible when kids are ill.
And looking after yourself 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 4/1/181 -
:eek: to your childcare costs.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.1 -
:eek: to your childcare costs.
I know, it was only yesterday that I was thinking about when DD3s 15 free hours come in Sept16 and actually relishing that my childcare costs will ONLY be £811 a month.
I pay £24.40 a day for before and afterschool care for my older girls.
DD3's nursery is £32 a day. I feel fortunate to only have a term time only contractHOME
Original mortgage free date Nov 2037
Mortgage free August 2018
Additional properties
Mortgage 1 £108,000
Mortgage 2 £45,000
Teacher pension - DB scheme
LGPS pension - DB scheme1 -
sarahevie1 wrote: »I know, it was only yesterday that I was thinking about when DD3s 15 free hours come in Sept16 and actually relishing that my childcare costs will ONLY be £811 a month.
I pay £24.40 a day for before and afterschool care for my older girls.
DD3's nursery is £32 a day. I feel fortunate to only have a term time only contract
How do you even begin to afford a monthly expense like that?
(Looking for an "admiration" smiley!)
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!!1 -
Thistlewhistle wrote: »How do you even begin to afford a monthly expense like that?
(Looking for an "admiration" smiley!)
T:)
I don't have you seen my SOA:rotfl:
Joking aside, tax credit subsidies are the only way to keep working, unfortunately.
Now I'm getting what I'm entitled to tax credit wise, its paying 70% of my childcare. So feel very lucky to have that.
It's also the reason I've gone down the lodger route as having a lodger is pretty tax efficient, it didn't make a difference to my income for TC puroses.HOME
Original mortgage free date Nov 2037
Mortgage free August 2018
Additional properties
Mortgage 1 £108,000
Mortgage 2 £45,000
Teacher pension - DB scheme
LGPS pension - DB scheme1
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