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

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  • pammyj74
    pammyj74 Posts: 3,290 Forumite
    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 :o 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?
    MPs left feb '08 276- Dec 13 36 :T MB Jan 10 ~ £82,377 Dec 13 ~ £29987
    EMFD was Feb 32 :eek: NOW Dec 2013 its Dec 2016
    MF new target Dec 16 REACHED!! :j
  • 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
    Mortgage started May 08 @ £144,499 for 35 yrs:eek: Must get mortgage sub £100k by xmas 2011

    Current balance/total OPs/total interest saved/months saved
    £111,000.00/£27,336.40/£96,025.57/156
  • pammyj74
    pammyj74 Posts: 3,290 Forumite
    ah thanks D1
    MPs left feb '08 276- Dec 13 36 :T MB Jan 10 ~ £82,377 Dec 13 ~ £29987
    EMFD was Feb 32 :eek: NOW Dec 2013 its Dec 2016
    MF new target Dec 16 REACHED!! :j
  • pammyj74
    pammyj74 Posts: 3,290 Forumite
    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 :D
    MPs left feb '08 276- Dec 13 36 :T MB Jan 10 ~ £82,377 Dec 13 ~ £29987
    EMFD was Feb 32 :eek: NOW Dec 2013 its Dec 2016
    MF new target Dec 16 REACHED!! :j
  • setmefree2
    setmefree2 Posts: 9,072 Forumite
    Mortgage-free Glee!
    pammyj74 wrote: »
    did a carboot today, only made £100 but better than nothing.

    yay.gif well done on that :T:T
  • pammyj74
    pammyj74 Posts: 3,290 Forumite
    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.
    MPs left feb '08 276- Dec 13 36 :T MB Jan 10 ~ £82,377 Dec 13 ~ £29987
    EMFD was Feb 32 :eek: NOW Dec 2013 its Dec 2016
    MF new target Dec 16 REACHED!! :j
  • pammyj74
    pammyj74 Posts: 3,290 Forumite
    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 :D
    MPs left feb '08 276- Dec 13 36 :T MB Jan 10 ~ £82,377 Dec 13 ~ £29987
    EMFD was Feb 32 :eek: NOW Dec 2013 its Dec 2016
    MF new target Dec 16 REACHED!! :j
  • Well done pammy, that is excellent progress :j. Im sure your chuffed. Those extra bits and pieces really add up.
    WABL
    Credit card £4461.15Home mortgage £137117Buy to let mortgage £83,000
  • pammyj74
    pammyj74 Posts: 3,290 Forumite
    thanks wabl have you started your diary yet?
    MPs left feb '08 276- Dec 13 36 :T MB Jan 10 ~ £82,377 Dec 13 ~ £29987
    EMFD was Feb 32 :eek: NOW Dec 2013 its Dec 2016
    MF new target Dec 16 REACHED!! :j
  • 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 :D

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