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

gallygirl

I'm aimimg for just under 5 years Pammy for all mortgages, will race you

Merry Christmas :xmastree:

wantabetterlife

Happy crimbo pammy...sorry i dont know how to do all the fancy flashing xmas trees etc:santa2:

Radish72

:rudolf:Happy Christmas Pammy :rudolf:

Have a lovely Christmas and New Year

Thanks for all the kind words and encouragement, here's to colouring in lots of bricks again next year

Hope the feeling in your water is "my house selling" and not cystitis :rotfl:

:eek: "woman talk alert" - did you go for your smear

pammyj74

No Radish Aunt Flo came instead, will wait til after new year now

Thanks guys x

greent

Merry Christmas, pammy! I've done that before with transferring money!! Ooops!! At least you can fudge it and make it Jan's OP

Well done on your achievements - I'm hoping we're MF in 4.5years - although at the moment it's 5 years and 2 or 3 months - so I'm looking at a similar timescale to you Will be keeping tabs on you and GG in the NY!

pammyj74

Thanks greent, maybe we need a 5 year thread! there seems to be a few of us

Managed to put my spare change and £2 coins in the bank today which totalled £144 and also had chq from in laws £35. Also had 5 week payday month so have an extra weeks money This meant i could put back the money into savings, panic over and possibly to the decorating fund for hallway that desperately needs doing!

gerbiljo

Just returning the Merry xmas tho without a friendly snowman!! Congratulations on setting yourself a 5 year target, I'm sure you will do it with ease! You're so determined. I need to get back into diary reading know what u mean about life getting in the way!!! Love the sound of the costume, right up my street that kind of thing!!

yukkibear

Merry Christmas x

museumworker

Merry Xmas pammy - hope you have a lovely day, and thanks for posting on my diary. I am a long way from 5 years off the mortgage, but will cheer from the sidelines. Please keep posting next year - you do incredibly, and I will need more inspiration when my income drops on maternity leave.

pammyj74

End of Year Figures!!!!!

Total Actual payments: Jan, £2096; Feb £1296 Mar £1596 Apr £946 May £1196 Jun, £1696, Jul £1746, Aug £1196, Sept £1596, Oct £996 Nov £1096 Dec £896

Total OPs and MPs paid towards the mortgage in 2011 = £16,752

Original scheduled payments: Jan, £696; Dec £696 (Total = £8,352)

Payments over/above original schedule: Jan, £1400; Feb £600; Mar £900; Apr £250; May £500; Jun £1000; Jul £1050; Aug £500; Sept £900; Oct £700; Nov £400 ; Dec £200

Total OPs for 2011 = £8400


Interest per day: Jan, £6.84; Dec £5.66

Interest per month: Jan, £212; Dec £175

Mortgage balance: Jan, £70,425; Dec £58350 (before I OPd for Jan 2012)

% of mortgage now paid off: Jan 21.75%; Dec 35% - circa 14% paid off in 2011

LTV - Sept 56% Oct 55% Nov 54% Dec 53% (based on £110k value)

Months shaved off in 2011 - 16 months!!!

Months left to pay - 8 years (96 payments) as of end of 2011

Not bad for a woman on her own, helps not having a life lol
Thank you all for your support and encouraging words, it really does mean a lot. :beer: