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

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Comments

  • SmlSave
    SmlSave Posts: 4,911 Forumite
    Part of the Furniture Combo Breaker
    Also car tax letter came today. £112 for 6 months (as I am hoping to get a new car)
    DDs birthday party at home (approx about £40-£50)
    DDs presents
    car stereo replacement

    All seems to come at once doesn't it? Just like buses.

    Well done to DD on the trophy :)
    Currently studying for a Diploma - wish me luck :)

    Phase 1 - Emergency Fund - Complete :j
    Phase 2 - £20,000 Mortgage Fund - Underway
  • pammyj74
    pammyj74 Posts: 3,290 Forumite
    Hoping my next car will be a £35 a year tax lol that would be lovely!

    Have had a lazy day off today, just rating dooyoo, doing a couple of comps and no housework in site :D
    Did DD Camp rock cd for her hard work at judo, she is upstairs now belting out a tune! :) 10 years from now you may see her on xfactor hahaha
    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
    well have sent off my letter accepting the £9k and pleaded with the solicitor to do it quickly as it has taken almost a year. It would have been a lot sooner but he held onto things months at a time for some reason :mad: I just dont understand it, maybe holding out for more fees. I have told him my dismay in a letter.

    Have calculated how much I would shave if I OP'd all or some of it:

    1k - £456 and 2 months
    2k - £903 and 4 months
    3k - £1342 and 6 months
    4k - £1773 and 8 months

    9k - £3799 and a whopping 18 months which would bring me 8 months closer to my target ED my end date would be Feb 2020 9 and a half years

    It is so tempting to put the whole lot on BUT you can do too much living by the OP means. I think I am going to have £5k for a car, £2k OP and leave £2k for treats and maybe a holiday? (or £3k OP and £1k towards holiday.) It doesnt seem a lot to save/shave for £1k or £2k does it?

    Hope it comes in time for xmas. I have pleaded with him to get it sorted asap. I have wait two years since a guy on here emailed me with a free offer to help. I wish I had sorted it myself now, it would have been done last year!!
    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
  • katsu
    katsu Posts: 5,023 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    Pammy, Aldi have http://www.aldi.co.uk/uk/html/offers/special_buys3_15819.htm a special offer car stereo. We have been really impressed with the stereo we got from them a few years ago.
    Debt at highest: £8k. Debt Free 31/12/2009. Original MFD May 2036, MF Dec 2018.
  • pammyj74
    pammyj74 Posts: 3,290 Forumite
    That does look good, mp3 and Bluetooth, says you can talk hands free on your mobile through it? how would that work?
    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
  • katsu
    katsu Posts: 5,023 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    pammyj74 wrote: »
    That does look good, mp3 and Bluetooth, says you can talk hands free on your mobile through it? how would that work?
    I guess it works in that you use bluetooth to connect the phone to it, like any other bluetooth speaker then when the phone rings the call comes through your car speakers and the stereo stops playing your other music?

    No idea how the microphone works for this tho?

    Agree it looks great - their quality was good for the other one we bought, no problems using it, I recommend them TBH.
    Debt at highest: £8k. Debt Free 31/12/2009. Original MFD May 2036, MF Dec 2018.
  • gerbiljo
    gerbiljo Posts: 848 Forumite
    Mortgage-free Glee!
    Congratulations on getting the money! Glad some of it will go for treats too :)
    Mortgage November 2003 was £135k, but thanks to this website on 28/08/12 we became MORTGAGE FREE!
    Now just over 2 years we have taken on the challenge again! )(starting £237k Nov 2014) Current mortgage £232,399.82, current overpayment total £1550, years remaining= 17
  • pammyj74
    pammyj74 Posts: 3,290 Forumite
    well havent technically got it yet but already spent it lol

    ex might try and claim some but i will fight him for it!
    Looks like the car I want might cost £7k so its either that or a cheaper car and holiday too. Undecided.
    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
  • greent
    greent Posts: 10,783 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Haven't been around for a while :) - good news on the claim front! :D
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NIL
    Net sales 2024: £20
  • What a lovely dilemna to have - how to spend lots of money. £7k on a car, £1k on a hol, £1k to overpay. I think you would end up feeling guilty if you didn't overpay any. I would. :rotfl:
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