Mfi in 100!! - My Oct 2017 challenge

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  • Its been a busy month with sorting out the house and servicing 2 DDs. Well DD1 started school this week so its a bit quieter. Still panic mind you, with the planned holiday next week.

    We are going abroad to visit DH's family so away for 4 weeks. Hence the packing panic staring to set in:eek:....

    Good news on the mortgage front, we managed to op about £1400 since 1 August so we should drop below £200k while we are away:j

    I have also reduced the term on the BTL to 12 years:j

    BTL refurb is in its final stages...we now have a kitchen, new boiler and GCH, bathroom being fitted today. Hopefully this will be complete before we go:rolleyes: oh...and we need to redecorate..have purchased paint so just need to apply!

    No more overpayments until we return as need to balance the BTL books first which will not happen until October now:o

    I will update my signature before I go;)...now off to get some immunisations:mad:
    MFiT - T2 # 64start date: 1.7.09 MFW end date: 31.10.17
    Start balance: £205,746.51 :eek: Month 18/100..paid 13.50%
    Current balance: £177,977.07 (updated 18.12.10)
    Target 12.12.12: From £194,000 to £140,000:p
    MFI-3 reductions: £16,023/£54,000 achieved (29.67%):j
  • setmefree2setmefree2 Forumite
    9.1K Posts
    Mortgage-free Glee!
    ✭✭✭✭
    Good news on the mortgage front, we managed to op about £1400 since 1 August so we should drop below £200k while we are away:j

    I have also reduced the term on the BTL to 12 years:j

    yay_by_mintyy.gifwell done on that :T:T
  • SmlSaveSmlSave Forumite
    4.9K Posts
    Part of the Furniture Combo Breaker
    ✭✭✭✭
    Well done on dropping the terms to 12 years ! :D

    Hope the holiday packing goes well...
    Currently studying for a Diploma - wish me luck :)

    Phase 1 - Emergency Fund - Complete :j
    Phase 2 - £20,000 Mortgage Fund - Underway
  • Best wishes with the packing to meet those weight limits; remember if you intend to bring more back then take as little out as required!

    Anything in the insurance about turning off heating/water etc?

    Well done on the OP and mortgage too.
  • StuartGMC wrote: »

    Anything in the insurance about turning off heating/water etc?

    Well done on the OP and mortgage too.

    Good point there...will check the paperwork on the house insurance tmrw. Don't want any freezing pipes!!!
    MFiT - T2 # 64start date: 1.7.09 MFW end date: 31.10.17
    Start balance: £205,746.51 :eek: Month 18/100..paid 13.50%
    Current balance: £177,977.07 (updated 18.12.10)
    Target 12.12.12: From £194,000 to £140,000:p
    MFI-3 reductions: £16,023/£54,000 achieved (29.67%):j
  • edited 20 November 2009 at 10:24PM
    THRIFTY_GIRLTHRIFTY_GIRL Forumite
    304 Posts
    edited 20 November 2009 at 10:24PM
    Hi everyone!!

    Having been back a week I think its time to stop lurking and update. well for starters, 13 degrees is a lot colder than 30 degrees; We have had the heating on since we got back thou I reduced the thermo from 20 to 19 today:rolleyes:

    On the mortgage front we have fallen below the £200k mark:j

    Balances are now as follows:

    BTL: £109,213.72

    Main residence: £89,422.61

    Total: £198,636.33 - reduction of 3.5% in month 4:p

    Dad found a tenant for the BTL while away:T

    Have a big to do list thou:mad: so here goes for motivation:

    1. Claim October mobile phone cashback and research new contracts so I can haggle when they call again for upgrade.

    2. Cancel 3 contract for phone I no longer use.

    3.Call Abbey to find out what interest received on savings account and what is the current rate? Done - 1%!!!!, e-saver open.....2.5% :D

    4. Used payment from DH sharesave scheme to overpay on mortgage:j

    5. Paid gas and electric bills; gas was nil due to actual reading:D

    6. Chase up JSA claim (again!!!) - due at least 6 weeks worth:eek:received!!

    7. Claim refund for DD's flight ticket that I had to purchase at the Airport because apparently the agent had charged but not booked:confused: £90!! banked!!

    8.I think that's enough now, will add later;)

    Oh, and one more thing...had an interview on Wednesday. They like me:T, who wouldn't:rolleyes: but they want me to do full-time I want to work part-time. Negotiations in progress and fingers crossed:beer:
    MFiT - T2 # 64start date: 1.7.09 MFW end date: 31.10.17
    Start balance: £205,746.51 :eek: Month 18/100..paid 13.50%
    Current balance: £177,977.07 (updated 18.12.10)
    Target 12.12.12: From £194,000 to £140,000:p
    MFI-3 reductions: £16,023/£54,000 achieved (29.67%):j
  • SmlSaveSmlSave Forumite
    4.9K Posts
    Part of the Furniture Combo Breaker
    ✭✭✭✭
    Welcome back Thrifty :)

    Glad to hear you enjoyed the holiday and good luck with your to-do-list.

    Well done with the interview and fingers crossed they'll offer part time hours.
    Currently studying for a Diploma - wish me luck :)

    Phase 1 - Emergency Fund - Complete :j
    Phase 2 - £20,000 Mortgage Fund - Underway
  • StuartGMCStuartGMC Forumite
    2.2K Posts
    Thrifty
    Good to see your to-do list (you note I daren't put mine up - far too likely to get longer than shorter! :o) and best wishes on the job; can you discuss aspects of fixed hours and whether you can be flexible to meet needs ad hoc? Be careful though that these extras don't become too frequent as they will usually be overtime and not accrue pension.
  • setmefree2setmefree2 Forumite
    9.1K Posts
    Mortgage-free Glee!
    ✭✭✭✭
    On the mortgage front we have fallen below the £200k mark:j

    AnimatedBravoSmiley.gif Yay great news :T:T:T:T
  • cake21cake21 Forumite
    1K Posts
    Well done on all your progress :beer:
    Hope the JSA and flight claims are sorted soon.
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