Baby steps to being mortgage free

InaPickle

Sounds like you had a fun outing. Woo hoo!

And best of luck lodger-hunting.

Baby_steps_2

Thanks for the encouragement about the lodger. Well good news on that front I spoke to a really lovely girl tonight who has also recently split with her boyfriend. She is coming to see the house Tuesday so fingers crossed:j:j

I don't want to get my hopes up but she sounds very nice so will have to see how it goes.

Catslovelycats

good news:T
if nothing else, at least it means your MSE price isn't putting people off... :rotfl:

Baby_steps_2

He He I know. I thought i'd start higher and then work down from there but if I caa get someone in at the price I want I'll be very happy:D

All Ic an think of is the savings going up and the amount I owe coming down:beer:

earthgirl

Hi Babysteps!

I used to cycle to work (only 5 miles there, 5 miles back, and all flat!) but like you suggested I only did it 3 times per week or so, and I really enjoyed it! I really miss it now! Good luck with it, give yourself plenty of time on the first few runs.

newgirly

Good luck with the lodger

Baby_steps_2

Hi guys,

Thanks for all the support. Well my potential new lodger came around to look today. She seemed really nice and we got on well so I'm hopefull she might decide to go for it. She is going to give me a call at the weekend so you never know I might have sorted the lodger problem.

I get paid at the end of this week so nearly time to sort the monthly figures. Not done to bad this month I don't think, evven with my slightly excessive spending.:D

Zeddy

Good luck on the lodger situation, sounds like it will be great for you.

Baby_steps_2

Hey guys,

Well no news on the lodger front which is a bit of a shame, she might still call but will have to wait and see. Anyway the end of the month is here so time to report the monthly figures.

Mortgage – 162,150.68
CC (0%) – Oct 856.62, Nov 2215.01, Dec 2964.59, Jan 3565.95
Savings – Oct 901.51, Nov 1730.10, Dec 2975.84, Jan 3915.26
Net amount owed – Oct 162,105.79, Nov 162,635.59, 162139.43
Month change – Oct -44.89, Nov +529.80, -496.16, - 338.06
Overall change – Oct – 44.89, Nov +484.91, -11.25, -349.31

Well at least its going down now so moving in the right direction, onwards and downwards.

So for the next couple of months this should be helped by not paying council tax. I also had a water bill through and am in credit by £35 so they have reduced the direct debit by £11 for the next few months, every little helps:p

Hope everyone is having a lovely weekend.

[Deleted User]

Hey Babysteps
shame about the lodger....Im sure the right person will come along though!
well done on the savings and bill-free months! you are right every little helps!