Pay off mortgage and start having fun!

pammyj74

haha with your new toy. I have been saving rather than OPing as still not sure whether I am going to move or not but have been tempted to just OP £100 to make me feel better lol

newgirly

Hi Pammy, I would op a little bit, a token gesture so you feel like you have'nt stopped.

SJ1

Just wanted to drop by and say well done on the windfall. Think I saw some of the pieces in the paper last week , there was a teapot that went for about £80k. Glad that they gave you a little to mooch over!

SJ

newgirly

I know which one you mean, it acually went for well over 1 million, some of the pieces had a reserve of 2k and went for over 100k, crazy.

Manic house tidying today, will try and catch on some diaries later in the day.:)

newgirly

:dance: I'm celebrating today, I've just made June's op early and am now under £150K !


Its 3 days to my first years anniversary, so figures for the year are:

May2010................................. may2011


Mortgage.. £160,936................... £149,994
O% CC .... £ 10,467......................£ 6,934

Totals...... £171,403...................... £156,928


So we have paid a total of £14,475 off this year, plus spent just under £5,000 on a log cabin and a yet to be fitted bathroom.
I'm really pleased with how much it has gone down by although would like to do much better in the next year. The rest of this year will be focused on clearing the o% CC completly so I can really get going on the mortgage at the start of 2012.
It has really been fun so far , although has taken over my life somewhat, and reading everyones diaries has kept the interest up and stopped me going back to spending like I used to.

yukkibear

well done :j

dave_wolves

Hi NG

Did you go with the One Account in the end? What are your thoughts on it? We're thinking of doing the same, just wondered how you're getting on with it?

Thanks
Dave

cha97michelle

That is great progress hon. It makes the scrimping and surveys etc seem more worth it when that is your result.

newgirly

Hi dave, no we did'nt go for the one account we stayed with chelsea and got a new 2 year fix mainly as we were on a high rate before and they let us escape it a few months early if we stayed with them, so we are on 3.43% for one more year.

Thanks Michelle, reading your diary has been a big help as I don't know anyone in the real world who would be interested.

pammyj74

Well done newgirly, thats great progress. Its great to see it like that side by side isnt it.
I dont know what I used to do with the spare money we had before, it just disappeared.