uzubairu's Mortgage Free Journey

uzubairu

eBays sales have been very good so far this month.
Some of it due to stuff that was relisted at the end of last month.
Currently approximately £400 (after all fees), so that means my September Challenge has been achieved.

I might also put any further sales from this month into overpayments.

We were supposed to be going on holiday in a fortnight, but I have recently been offered a job at another store in a new department.
Some of the key training will be taking place in the weeks that I was due to take my holiday, so I have asked to have my holidays rescheduled so that I can attend the workshops.

I just have one more week in my old job and I am just tying up loose ends and getting things in the right place for my replacement.

[Deleted User]

well done on the balance and also on the ebay sales!! what kinda things do you find sell? I think I have sold most cds, books, dvds (that we dont want to keep!) not sure what else I have that anone would want to buy! :rotfl:
good luck with new job!

uzubairu

Clothes, handbags, trainers, shoes, an old ereader (that I bought in the US nearly 2 years ago and was going to chuck), rucksack, DAB radio, car mats, mobile phone accesories, board games, DVD Boxsets to name but a few things.
Clothing doesn't get you much money but the volume we've sold has generated over a £100, which would have just been chucked or used for rags.

Some stuff was due to go to the skip (after being sat in the garage or cupboards for ages) and I thought I'll do a search on eBay and see what came up.
After checking completed sales I managed to salvage nearly half the stuff that I was going throw.

misscousinitt

Just catching up with your diary - you are going great with the OPs and ebay sales - never done ebay myself...

Good news on the new job - hope it all goes well.

RosieTiger

There's a real learning about e bay here - as you say, what you are ready to put in the bin someone else wants and even if the price is low, it's better than nothing !

uzubairu

Since the last update, I've gone and purchased a new (pre-registered) car.
Got a good value for my traded-in car and the new car was discounted too.
The difference was funded from the mortgage overpayments savings (£7,500), so net mortgage balance goes up this month, but still on target to make MFiT-T2 target.

October Update
Phoned First Direct this morning and the mortgage is:- £66,610.77
October overpayments are:- £950.
Year To Date Overpayments (revised) are:- £11,054.
Total Overpayment Savings (revised) are:- £20,407

Mortgage remaining = Mortgage - OP Savings = £46,203

pammyj74

WOW :eek: on your OPs thats amazing. You'll definitely reach your MF target very very soon!
well done

misscousinitt

great job...nice to see those figures coming down.

uzubairu

November Update
Phoned First Direct this morning and the mortgage is:- £66,155.57
November overpayments are:- £1,550.
Year To Date Overpayments (revised) are:- £12,604.
Total Overpayment Savings (revised) are:- £22,119

Mortgage remaining = Mortgage - OP Savings = £44,036

uzubairu

I finally managed to get insurance for my new car for £628 for the year (with Privilege).
I struggled to get online quotes because my car wasn't registered on many databases., so I had to make many tedious phone calls.

My renewal quote was for £1,582 and when I phoned them up they managed to lower it to £1,355.

My new job is currently taking up most of my time as I have a lot to learn and changes to make, but in the last 2 weeks I feel that I have started to make good progress.

I've swapped my HTC Wildfire S for an iPhone 4.
I used £110 of Clubcard vouchers that I exchanged for £220 and a £10 off Tesco Direct promo code.
After Staff Discount of 10% and £23 Quidco the 16Gb iPhone 4 PAYG cost £179.
I will eBay my HTC and I should get about £100, so to change phone it will have cost me £80.
The overtime I am due this month will more than cover the cost. :T
I'm already on a decent Tesco Mobile tariff (750 mins, 5000 texts and 1GB for £10 per month), so I just swapped the contract over to the new phone.

The HTC was bought in August with Clubcard vouchers that were also exchanged for double their value.