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Gallygirl's 95 month challenge - now 'only' 92 months

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  • setmefree2
    setmefree2 Posts: 9,072 Forumite
    Mortgage-free Glee!
    edited 7 November 2009 at 9:42PM
    SOandSO wrote: »
    I think less than 100k on the house sounds very impressive.:T

    Well done:j

    happy-ditto.gif We'll be joining you on the 17th :T:T in the sub £100k club
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    setmefree2 wrote: »
    happy-ditto.gif We'll be joining you on the 17th :T:T in the sub £100k club

    :jWell done to you too :j
    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"
  • evab_2
    evab_2 Posts: 2,336 Forumite
    Well doen for be sub £100k a great milestone! x
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    :hello: Evening all :hello:

    Quick update from me. Decided I was one spreadsheet short of a full set (what is the collective noun for spreadsheets? An obsession of spreadsheets? A sadness? A sum?). So, decided to do a daily balance sheet as I don't have one which calculates overall balance each day, only offset totals. I do now, along with a graph :o. Spreadsheet says I will drop below 140k on 28th November, i.e. before mortgage payments are credited :Tand all will be paid off by 26th November 2016 :eek:. Have called the sheet 26 11 16 & will rename hopefully downwards whenever it changes.

    Mystery shop tonight, pizza (except I had pasta) nom nom nom 11.gif, lovely food & good service so nice to do a positive one as usually this place is v poor. Also finished off 2 phone ones and picked up a phone call for tomorrow and a visit for Sunday so that was good :T As usual though one company obviously wait for my diary before releasing jobs - in London today, Weds & next Tues, so loads of jobs including my mainline station for Thurs & Fri :rolleyes:. It's all piddly amounts of money, but it does add up.

    1.gif Dentist tomorrow, thank goodness. Root canal work, hope it doesn't hurt too much 1.gif

    Have a good week all :)
    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"
  • setmefree2
    setmefree2 Posts: 9,072 Forumite
    Mortgage-free Glee!
    edited 25 November 2009 at 10:38AM
    gallygirl wrote: »
    1.gif Dentist tomorrow, thank goodness. Root canal work, hope it doesn't hurt too much 1.gif


    omg.gif Good Luck with that
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    setmefree2 wrote: »
    omg.gif Good Luck with that good-luck-smiley2.gif

    Well it's done & didn't hurt though told to take painkillers later on. Am sure she said 'washed down with whisky' but maybe I was hallucinating ;). Hopefully that will be the end of it :D
    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"
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    gallygirl wrote: »
    :hello: Evening all :hello:

    Quick update from me. Decided I was one spreadsheet short of a full set (what is the collective noun for spreadsheets? An obsession of spreadsheets? A sadness? A sum?). So, decided to do a daily balance sheet as I don't have one which calculates overall balance each day, only offset totals. I do now, along with a graph :o. Spreadsheet says I will drop below 140k on 28th November, i.e. before mortgage payments are credited :Tand all will be paid off by 26th November 2016 :eek:. Have called the sheet 26 11 16 & will rename hopefully downwards whenever it changes.



    I like my new spreadsheet, it's good having all on the same page :)

    Some interesting dates & figures (well interesting to me :o)
    Own house mortgage will drop below 45k on 1st Dec & won't rise above it again :)
    BTL 1 will drop below 40k on 1st March, rise above it for a few days then drop below for good (subject annual statement, with any luck actual balance will be £7.59 lower then it will remain at sub 40) :)
    BTL 2 will drop below 65k on 1st Oct & stay below it :)
    Offset savings should rise above 15k on 1st Dec, 20k on 26th May
    Total balance should be sub140k on 28th Nov, sub 130k on 1st May.

    Will try to remember how to post the chart :o
    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"
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    edited 10 November 2009 at 11:34PM
    chart.jpg

    Simples :)

    Hope this is clear. By Nov 2016 there will still be balances on all 3 mortgages but the savings should be equal to the balance, so net is at zero. In theory :o
    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"
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    In other matters folks:

    Check out Martyn's email - La Senza 2 pairs of flanelette PJ's for £20, go via quidco for 14% off. Buy 4 pairs & free delivery.

    I just bought 6 pairs, of which only 3 are presents :o
    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"
  • setmefree2
    setmefree2 Posts: 9,072 Forumite
    Mortgage-free Glee!
    Good news about the dental work :T
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