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Canne's Aussie Mortgage Free Diary

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  • canne_2
    canne_2 Posts: 124 Forumite
    It's my birthday today. My friend is taking me out to lunch...
    The Mortgage Free in Three - Take 2 Challenge (MFiT-T2): #58 - Goal: Get to AU$50 000 by 12/12/12
    Current balance: $84 693
    2011 MF Wannabes: #102 - Goal: Overpay mortgage by AU$15 000
    Total paid for 2011: $2253.16
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Happy Birthday :j, have a great day :).

    How are solar panels working out?
    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"
  • canne_2
    canne_2 Posts: 124 Forumite
    We just received our electricity bill. The full bill was $268 and we only had to pay $25....

    So its working out well...
    The Mortgage Free in Three - Take 2 Challenge (MFiT-T2): #58 - Goal: Get to AU$50 000 by 12/12/12
    Current balance: $84 693
    2011 MF Wannabes: #102 - Goal: Overpay mortgage by AU$15 000
    Total paid for 2011: $2253.16
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    canne wrote: »
    We just received our electricity bill. The full bill was $268 and we only had to pay $25....

    So its working out well...

    That's great :). We don't see enough of that big yellow ball to warrant it here :(

    How was your birthday?
    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"
  • canne_2
    canne_2 Posts: 124 Forumite
    It was good! My friend took me out for a chinese meal. My family got me an amazon kindle a few months ago as a combined Christmas and birthday present.

    So all in all my birthday was a good one. My son wished me happy birthday on skype which was nice (my son is overseas).

    Cheers

    canne
    The Mortgage Free in Three - Take 2 Challenge (MFiT-T2): #58 - Goal: Get to AU$50 000 by 12/12/12
    Current balance: $84 693
    2011 MF Wannabes: #102 - Goal: Overpay mortgage by AU$15 000
    Total paid for 2011: $2253.16
  • canne_2
    canne_2 Posts: 124 Forumite
    I'm about to go to a store called Kmart which is a discount department store. I've got $60 worth of gift vouchers that I earned from clicking ads. I'm going to spend it all on toilet paper LOL. That's the only thing I can think of that we use all the time that will save money on our grocery bill...I like to use the money I earn to reduce our mortgage so that's the way I do it... $60 buys a LOT of toilet paper...we go through the checkout with the trolley piled high with it...the check out lady asked me last time if I'd like a bag as a joke LOL
    The Mortgage Free in Three - Take 2 Challenge (MFiT-T2): #58 - Goal: Get to AU$50 000 by 12/12/12
    Current balance: $84 693
    2011 MF Wannabes: #102 - Goal: Overpay mortgage by AU$15 000
    Total paid for 2011: $2253.16
  • abouttimetoo
    abouttimetoo Posts: 1,860 Forumite
    Part of the Furniture Combo Breaker
    Hi Canne

    Was just thinking of you for some reason as it seemed a while since we had heard from you and I couldn't believe it when I saw it was February when you last posted.

    I hope all is well with you?

    Regards
    ATT
    MFW Start Date 1.4.08. Updated 23.1.18. MFW date 1.8.18
    Original Mortgage o/s £187,643 / £71,904 (-115,739)
    Repay o/s £92,661 / now £55,900 (-36,761)
    Int Only o/s £94,982, now £16,004 (-78,978)
    Total daily interest £1 [a) £0.77 b)£0.23
    Total OP's:2018 target £TBC YTD £1,995
  • canne_2
    canne_2 Posts: 124 Forumite
    Hi ATT,

    All is well with me! I am still updating Cake's Mortgage Challenge (I'm #102) and Financial Bliss's 3 year Mortgage Challenge (I'm #58)

    I've been active on an Aussie private facebook group and I stopped updating here on the diary. I am still subscribed to the thread which has made me aware you have posted here!

    The mortgage balance is about to go under 70k this week! YAY! It will be about 69 900 this Thursday. I project we will be paid off by the end of 2014... We have refinanced to a home loan with the same lender in July. We no longer pay the $8 a month fee, there is free redraw ($50 fee before) and no fees whatsoever at all, it was a free switchover as well, so a no brainer really...lower interest rate as well by 0.21%

    So we are still plodding along...

    Cheers

    canne
    The Mortgage Free in Three - Take 2 Challenge (MFiT-T2): #58 - Goal: Get to AU$50 000 by 12/12/12
    Current balance: $84 693
    2011 MF Wannabes: #102 - Goal: Overpay mortgage by AU$15 000
    Total paid for 2011: $2253.16
  • abouttimetoo
    abouttimetoo Posts: 1,860 Forumite
    Part of the Furniture Combo Breaker
    canne wrote: »
    Hi ATT,

    All is well with me! I am still updating Cake's Mortgage Challenge (I'm #102) and Financial Bliss's 3 year Mortgage Challenge (I'm #58)

    I've been active on an Aussie private facebook group and I stopped updating here on the diary. I am still subscribed to the thread which has made me aware you have posted here!

    The mortgage balance is about to go under 70k this week! YAY! It will be about 69 900 this Thursday. I project we will be paid off by the end of 2014... We have refinanced to a home loan with the same lender in July. We no longer pay the $8 a month fee, there is free redraw ($50 fee before) and no fees whatsoever at all, it was a free switchover as well, so a no brainer really...lower interest rate as well by 0.21%

    So we are still plodding along...

    Cheers

    canne

    Hi Canne, great to hear from you! Well done on being just about to go through the 70 barrier :jSounds like you also did a great thing doing your mortgage switch too!

    I usually to the annual cake challenge too but this year I decided I was just creating extra work as I was also doing FB's MFiT T2 challenge. I sometimes don't get to see all the posts on there so must have missed your updates :o but it's great to hear about your progress, less of the 'plodding', you are doing great!

    Regards
    ATT
    MFW Start Date 1.4.08. Updated 23.1.18. MFW date 1.8.18
    Original Mortgage o/s £187,643 / £71,904 (-115,739)
    Repay o/s £92,661 / now £55,900 (-36,761)
    Int Only o/s £94,982, now £16,004 (-78,978)
    Total daily interest £1 [a) £0.77 b)£0.23
    Total OP's:2018 target £TBC YTD £1,995
  • canne_2
    canne_2 Posts: 124 Forumite
    Hi all remember me! Our mortgage is now 57300. I have just signed up to the new 3 year challenge and i hope to pay it off in that time.

    We will have paid off our solar panels in a couple of months which will be good. Though i am hankering after a smartphone which i am saving up for...

    Anyway i thought i would update you on how we are going...

    Cheers

    Canne
    The Mortgage Free in Three - Take 2 Challenge (MFiT-T2): #58 - Goal: Get to AU$50 000 by 12/12/12
    Current balance: $84 693
    2011 MF Wannabes: #102 - Goal: Overpay mortgage by AU$15 000
    Total paid for 2011: $2253.16
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