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

pammyj74

haha, so with the daily interest coming off as £13.75, which it would have been if i hadnt OP, does this mean the whole month will be £13.75 a day or will the rest be £13.70 now the OP has come off?

Stuart, i sort of understand what you are saying but still a novice when it comes to these things, i wonder if i talk to halifax about my rate when the fixed ends (that way saving fees) or whether it is better to shop around?

determined1_2

will be £13.70 for the whole month

the £13.75 was showing as the £300 had not yet come off

the bank should revert the £13.75 to £13.70 for the one day when next updated

pammyj74

ah thanks D1

pammyj74

did a carboot today, only made £100 but better than nothing.
also have worked out that benefits goes in twice next month (on 1st and 29th) so that is an extra payment. half of it will be for xmas pressies i think and the other half on the OP.
hopefully with other stuff saved over the month i might be able to pay about £400.
i have £98 in £2 coins as well which when i get the next one can be banked as well

setmefree2

pammyj74 wrote: »

did a carboot today, only made £100 but better than nothing.

well done on that :T:T

pammyj74

just watched your show martin about whether to fix or not and I am still non the wiser lol but then I can see that you can't guarantee anything and you dont want everyone not to fix and then it all goes to pot!

I had never heard of LTV before (apart from the tv station!) but have worked mine out at 70.1% which is not that good then at the moment.

pammyj74

ok so end of month again and I have been trying to be very frugal!
did another carboot last weekend and made £165, and also have £75 from quanti and £100 from £2 jar
I am able to pay £600 OP this month :eek: amazing!!
this will take my mortgage total to £84,136.77 and I have knocked off another 3 months off (now 14 months in total) My MFD is now Jan 2030
Total OP this year is £2800 which is amazing to me and waayyyyy over my estimate that I could do

wantabetterlife

Well done pammy, that is excellent progress :j. Im sure your chuffed. Those extra bits and pieces really add up.
WABL

pammyj74

thanks wabl have you started your diary yet?

Queen-Bee_2

pammyj74 wrote: »

did another carboot last weekend and made £165, and also have £75 from quanti and £100 from £2 jar
I am able to pay £600 OP this month :eek: amazing!!
this will take my mortgage total to £84,136.77 and I have knocked off another 3 months off (now 14 months in total) My MFD is now Jan 2030
Total OP this year is £2800 which is amazing to me and waayyyyy over my estimate that I could do

Well done on that - and I'm in awe of your car boot successes!
QB