QB Wolf's long and winding road

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24567…71

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  • QB_Wolf
    QB_Wolf Posts: 722 Forumite
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    My amazing 48.65 didn't go in, rang my bank I'd used the wrong sort code and A/C no, got the right one so need to try again and change my standing order, my OH gave me £90 she owes me, so 45 OP, 45 buffer into CA. Mind you 3 NSDs in a row today!!
    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
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    A week and a half into my new job and not really enjoying it, another 8 days to go til pay day and I feel guilty for wishing my life away.

    Must be positive - at least the account for the house I rent out, is back in the black, after the house was empty for 3 months - finally got tenants :j
    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
  • *Jellie*
    *Jellie* Posts: 3,018 Forumite
    First Anniversary Combo Breaker
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    Hi QB.
    Glad you got more tenants in. I like your plan on focusing on the smaller goals- baby steps as they say! I do find it overwhelming looking at our overall figures.
    2019 fashion on a ration 0/66 coupons
  • QB_Wolf
    QB_Wolf Posts: 722 Forumite
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    CC bill only £250, so not too bad, another NSD - 4 days in a row. 6 days til pay day!!!!
    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
  • *Jellie*
    *Jellie* Posts: 3,018 Forumite
    First Anniversary Combo Breaker
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    Well done on the NSDs. I think I'll start back on the NSD challenge next month.
    2019 fashion on a ration 0/66 coupons
  • QB_Wolf
    QB_Wolf Posts: 722 Forumite
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    It's quite easy for me, I just go to work without any means of paying for anything :)
    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
  • *Jellie*
    *Jellie* Posts: 3,018 Forumite
    First Anniversary Combo Breaker
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    The thought of that scares me!! I'm considering going cash only but I'd always have to have some with me 'just in case'
    2019 fashion on a ration 0/66 coupons
  • Tilly_MFW_in_6_YRS
    Tilly_MFW_in_6_YRS Posts: 7,833 Forumite
    Mortgage-free Glee!
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    That is exactly what I do - if my car has fuel I do not take a credit or debit card to work, nor cash. I take my lunch,fruit for between calls and that's it.
    Tilly
    2004 £387k 29 years - MF March 2033:eek:
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15 :j
  • QB_Wolf
    QB_Wolf Posts: 722 Forumite
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    Woo hoo child benefit has gone up £13 a week, I knew it was worth having another baby.

    Not that I'll see any of it, but good Mrs QBW has a bit more.
    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
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    QB_Wolf wrote: »
    Just checked my current account and I have £45 to last me 15 days. NSDs are going to be enforced - hurry up pay day!!


    Well managed 13 days so far without using my current account, put a bit in and the only thing going out is an overdraft charge :mad: Need to get back in the black desperately.
    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
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