Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • katep23
    • By katep23 29th May 14, 7:45 PM
    • 1,204Posts
    • 9,007Thanks
    katep23
    Forever Home Fund
    • #1
    • 29th May 14, 7:45 PM
    Forever Home Fund 29th May 14 at 7:45 PM
    I have been lurking here for a few weeks and decided it was time to stick my head above the parapet

    I'm a bit of a fraud TBH, I don't even have a mortgage, but OH and I are saving to buy a house so it's kinda the same thing - will you let me join in?

    OH and I are both mid (ahem, okay getting less mid by the day) 30s and currently rent a lovely house on a farm with no passing traffic and about a quarter of an acre garden. And there lies the problem... we can't find anything similar in the Thames Valley for a price we can even look at without smelling salts

    So. we're saving and looking but as we don't have a target in mind we can lose out way a bit... that's where the diary comes in. I shall use this as a way of staying on track and keeping a record of where I am, it's good to be accountable.

    I'd love to buy a place but it has to be the right place so we might be in for a long wait.

    Why the forever home now? It's us, 3 cats, 18 ducks, 4 cars, 5 motorbikes, a tankful of tropical fish, a garden full of plants, a 3-bed semi filled to bursting, a garage, two outhouses, a greenhouse and a shed to find a new home for
Page 25
    • katep23
    • By katep23 8th Oct 17, 10:11 AM
    • 1,204 Posts
    • 9,007 Thanks
    katep23
    After you download the app, you register your details and there's a field for adding a referral code.

    Down to £259 to debt free!

    • Moneyfordreams
    • By Moneyfordreams 8th Oct 17, 11:55 AM
    • 902 Posts
    • 4,420 Thanks
    Moneyfordreams
    will have a look, thank you
    Mortgage Feb '13 £200000, end 2038. Aiming for before March 2025 (crunched to 2034)
    January 16 £182800 : minimum £360 OP but needs to be £600 to achieve 2025
    Current mortgage £158200
    h@lifax CC £4300 0% until May 2018.. will pay minimum for now, slow stooze
    CC daughter gift and holiday spends £2200
    • Moneyfordreams
    • By Moneyfordreams 8th Oct 17, 12:02 PM
    • 902 Posts
    • 4,420 Thanks
    Moneyfordreams
    at the top left menu there is a drop down list, which says promo code. The code only went in in capitals . I did try lower case a few times (on my phone) but if gave me the choccy... Hope you get the referral cash Kate
    Mortgage Feb '13 £200000, end 2038. Aiming for before March 2025 (crunched to 2034)
    January 16 £182800 : minimum £360 OP but needs to be £600 to achieve 2025
    Current mortgage £158200
    h@lifax CC £4300 0% until May 2018.. will pay minimum for now, slow stooze
    CC daughter gift and holiday spends £2200
    • katep23
    • By katep23 8th Oct 17, 12:09 PM
    • 1,204 Posts
    • 9,007 Thanks
    katep23
    Thank you, got a referral pending x

    • katep23
    • By katep23 28th Oct 17, 4:33 PM
    • 1,204 Posts
    • 9,007 Thanks
    katep23
    Short term goals:
    1. Pay off debt for roof (by 23rd October, if not before) - Done
    2. Save £10K emergency fund - £1,900 / £10,000
    3. Save £7k to remortgage
    Originally posted by katep23
    Need to shuffle money on first of month as it is not in the right place but am now debt neutral on the roof and have started saving the EF

    • katep23
    • By katep23 2nd Nov 17, 9:12 AM
    • 1,204 Posts
    • 9,007 Thanks
    katep23
    December 2014
    Mortgage £346,545.00
    Mortgage free date 2044
    LTV 86.64%

    2nd November 2017
    Mortgage £318,788.46

    Total paid off capital in last month: £623.10
    Total paid off capital: £27,806.54

    MOS: £1,316.23

    LTV: 79.70%

    Amount to Mortgage Neutral - £316,953.76 (-£2,830.19)

    • katep23
    • By katep23 4th Dec 17, 11:53 AM
    • 1,204 Posts
    • 9,007 Thanks
    katep23
    December 2014
    Mortgage £346,545.00
    Mortgage free date 2044
    LTV 86.64%

    2nd December 2017
    Mortgage £318,156.91

    Total paid off capital in last month: £631.55
    Total paid off capital: £28,438.09

    MOS: £4,407.05

    LTV: 79.54%

    Amount to Mortgage Neutral - £313,733.86 (-£3,219.90)
    Last edited by katep23; 04-12-2017 at 1:39 PM.

    • katep23
    • By katep23 4th Dec 17, 11:57 AM
    • 1,204 Posts
    • 9,007 Thanks
    katep23
    Short term goals:
    1. Pay off debt for roof (by 23rd October, if not before)
    2. Save £10K emergency fund
    3. Save £7k to remortgage
    Originally posted by katep23
    [*]Pay off debt for roof (by 23rd October, if not before)
    [*]Save £10K emergency fund - £4.4K/£10K
    [*]Save £7k to remortgage - will need £4K to remortgage, other £3K to be added to mortgage which keeps us at £320K

    £8.6K to go

    • katep23
    • By katep23 4th Dec 17, 7:39 PM
    • 1,204 Posts
    • 9,007 Thanks
    katep23
    Thanks to the advice from the fab Betterthanever on her diary, I have been doing swagbucks since 21st November and claimed £15, almost ready to claim next £5.

    If anyone would like to sign up my referral is:

    http://www.swagbucks.com/refer/KPCCW

    • Betterthanever
    • By Betterthanever 5th Dec 17, 6:41 AM
    • 403 Posts
    • 2,179 Thanks
    Betterthanever
    I'm so glad that you are getting more out of swagbucks - it really is a nice little extra! I've been amazed at just how steadily the points mount up. I was cashing out to paypal, which was nice because it is *real* money, but since the amazon vouchers have been on offer, I've been collecting them instead, and have managed to do most of my main Christmas present shopping using them. I'd always have gone for cash over vouchers before, but I have been converted a little and knowing that I don't have to spend said *real* money is just as satisfying!

    Current balance £114,744.64. Offset £2,151.73. £112,592.91 needed to be mortgage neutral!
    End date - 03/29 but aiming for 10/22

    Former DFW Nerd 230. Determined to be MF. Bring it on!
    • katep23
    • By katep23 5th Dec 17, 7:33 AM
    • 1,204 Posts
    • 9,007 Thanks
    katep23
    Absolutely, I cashed out to Paypal twice as I prefer real money but realised that whilst Amazon vouchers are on offer I am better of with those as we order from there most months.

    Had a really good day yesterday, one phone call (which I had been putting off as I hate doing it) to our insurers and we have added our home insurance to our car insurance policy and saved nearly £300 against the renewals.

    Having done a comparison, the cheapest I could get OH's insurance for was £158 more than we ended up paying (with a higher excess) so that was a result.

    And my £10 JLP gift card from V@lued Opinions turned up which I was starting to think was lost in the post.
    Last edited by katep23; 05-12-2017 at 7:38 AM.

Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

2,283Posts Today

7,125Users online

Martin's Twitter