pammyj74's MFW diary (or possible wishful thinking!!)

newgirly

Hello Pammy, have reigistered and voted, good luck!

greent

pammyj74 wrote: »

Have added a proper roof and curtains and chimney top :rotfl:

Ohhhhhhhhhhhhh...... I want one.......!!!!:D

pammyj74

If you pm me details I can do you one greent.

I have OP'd £300 for October. Total now £7400 for the year and 148% of target
Sorry I havent been on here lately, I have been really busy and dont really have much to report as am concentrating on ebay stuff. The only thing I really keep up is BP and OneP which is at £30.05.
I need to do my usual bumph but havent time at mo as DD has sleepover today we are just going to.

SeriouslySeekingtoSave

You're fabulous hon and a real inspiration to many people here.

pammyj74

My usual bumph for me to keep track of how its slowly going down

so figures for end of month and the year below:

Total Actual payments: Jan, £2096; Feb £1296 Mar £1596 Apr £946 May £1196 Jun, £1696, Jul £1746, Aug £1196, Sept £1596, Oct £996 (so far) (Total = £14360)

Original scheduled payments: Jan, £696; feb, £696 Mar £696 Apr £696 May £696 Jun, £696 Jul, £696 Aug, £696 Sept, £696 Oct £696 (Total = £6960)

Payments over/above original schedule: Jan, £1400; Feb £600; Mar £900; Apr £250; May £500; Jun £1000; Jul £1050; Aug £500; Sept £900; Oct £300 (Total= £7400)

Interest per day: Jan, £6.84; Aug, £6.05; Sept £5.95; Oct £5.79

Interest per month: Jan, £212; Aug £187; Sept £184; Oct £177

Mortgage balance: Jan, £70,425; Aug £63114; Sept £61400 Oct £60400 - only £400 to OP to get into the £50ks

% of mortgage now paid off: Jan 21.75%; Aug, 30.20%; Sept 31.55%; Oct 32.88%

LTV - Sept 56% Oct 55% (based on £110k value)

Months shaved off in 2011 - 14 months up to Sept

Months left to pay - 8 years 4 months (100 payments) as of Oct

Sept challenges

Grocery - ...£142/£130 not completed
Petrol - ......£70/£100 completed (extra went to GC)
Clothes -.....£0 completed
NSD -..........not been counting
VSP -..........£66.57
£2 jar-.........total now at £170 (£100 banked)



Extra Outgoings September
Holiday deposit .................£50.00
Aerial for DDs room...........£50.00
Party ...............................£88.00
Birthdays .........................£40.00
Cubs fees .........................£45.00
Drama fees.......................£10.00

total....£283.00 :eek:

cha97michelle

Only 100 payments to go is fab. I bet you knock a few more off that too over the next few months. Congratulations hon. xx

yukkibear

That's amazing Pammy. At the end of last year I may have stood a whisper of a chance of keeping track with you, but look at what you've achieved this year. I'm in awe of you I really am, well done you should be so proud of yourself.

pammyj74

Another £100 will knock another month off and I should have that by end of oct.

Bought DDs main present for xmas a new TV/dvd. I was going to pay about £150 but thought as argoose have their promo of £10 off £100 i'd have a look on there. They had a bush one for £139.99 with £20 off so with the £10 promo got it for £109.99. Quite pleased with that

shala_moo

pammyj74 wrote: »

Just messing around - here is my house based on it being worth £110k (optimistic!)

Hi pammy, just wanted to say that I have been reading your diary for some time(Hi :wave:) and just wanted to say love the house!! i've stole your idea, hope you don't mind, and prepared one for a new house that we are moving into soon.. can't wait to start overpaying on it so i can get my colouring pens out!! :rotfl:

CathT

pammyj74 wrote: »

My usual bumph for me to keep track of how its slowly going down

so figures for end of month and the year below:

Total Actual payments: Jan, £2096; Feb £1296 Mar £1596 Apr £946 May £1196 Jun, £1696, Jul £1746, Aug £1196, Sept £1596, Oct £996 (so far) (Total = £14360)

Original scheduled payments: Jan, £696; feb, £696 Mar £696 Apr £696 May £696 Jun, £696 Jul, £696 Aug, £696 Sept, £696 Oct £696 (Total = £6960)

Payments over/above original schedule: Jan, £1400; Feb £600; Mar £900; Apr £250; May £500; Jun £1000; Jul £1050; Aug £500; Sept £900; Oct £300 (Total= £7400)

Interest per day: Jan, £6.84; Aug, £6.05; Sept £5.95; Oct £5.79

Interest per month: Jan, £212; Aug £187; Sept £184; Oct £177

Mortgage balance: Jan, £70,425; Aug £63114; Sept £61400 Oct £60400 - only £400 to OP to get into the £50ks

% of mortgage now paid off: Jan 21.75%; Aug, 30.20%; Sept 31.55%; Oct 32.88%

LTV - Sept 56% Oct 55% (based on £110k value)

Months shaved off in 2011 - 14 months up to Sept

Months left to pay - 8 years 4 months (100 payments) as of Oct

Sept challenges

Grocery - ...£142/£130 not completed
Petrol - ......£70/£100 completed (extra went to GC)
Clothes -.....£0 completed
NSD -..........not been counting
VSP -..........£66.57
£2 jar-.........total now at £170 (£100 banked)



Extra Outgoings September
Holiday deposit .................£50.00
Aerial for DDs room...........£50.00
Party ...............................£88.00
Birthdays .........................£40.00
Cubs fees .........................£45.00
Drama fees.......................£10.00

total....£283.00 :eek:

Incredible, i don't know how you consistently do it. Well done Pammy!