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Mortgage Free - so good they'll do it twice! Wynnvegas aiming for the big house

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Comments

  • sounds like you have 2012 well organized wynn

    my o/p will be lower 2012 but im getting there

    hav a good xmas/newyear
    £48515 interest £181 (2009)debt/mortgage-MFIT/T2/T3
    debt/mortgage free 28/11/14
    vanguard shares index isa £1000
    credit union £400
    emergency fund£500
    #81 save 2018£4200
  • wynnvegas
    wynnvegas Posts: 1,377 Forumite
    Mortgage-free Glee!
    Afternoon All,

    My last post before Christmas so I'll make it a nice festive one. Moyra's pre-Christmas gift of my new desk mug has already been taken care of. My pre-Christmas gifts to her were, not at all unsurprisingly, based around her favourite collectibles. On "Christmas Tree Day" - December 1st, she got these:

    th_66ea004e.jpg?t=1324636809

    Then, with 12 days to go, these came out

    th_6da9baee1-1.jpg

    but her favourite was our summer gift from her auntie who got this as a thank you for taking her to Vegas:

    th_6224793d.jpg?t=1324636820

    Merry Christmas!

    Cheers,

    Billy
    Mortgage Free: 28/10/2010
    Time / Interest Saved: 18.5 years / £61,866.50
  • Hi Billy,
    We have our btl insurance with endsleigh (www.endsleigh.co.uk) 3 bed house with seperate garage in Livingston. Buildings, home emergency expenses, contents damage option (fully furnished property) £370 a year. This also covers none payment of rent by tenants and investigation. Have heard of another house in Livingston another repo will do some more investigation about it first.
    Have a fab Christmas
    Louise
  • abouttimetoo
    abouttimetoo Posts: 1,860 Forumite
    Part of the Furniture Combo Breaker
    Billy, Billy, wherefor art thou Billy? :D

    Hi Billy, hope you and Moyra had a great Christmas and New Year?

    I've just been catching up on your thread, there was so much to catch-up on that I'd be here all day to comment on it all so I will cut to the chase with a very big WELL DONE YOU!

    As ever I'm in awe of your energy and dedication and just know you will be very successful. Have you given any thought to the new businesses potentially becoming your full time job in the future and you leaving your current position?

    BTW, I saw Waugh recommending BTL insurance so thought I'd mention the one I use. I ony do contents through them as I have the buildings one through a complicated service charge agreement that I have no power over. The one I use is UK Insurance Net or ukinsurancenet.com. I must admit I've thankfully never had to claim on it so can't comment on that aspect of their service but I've always been very happy with their admin/renewals etc. I've stuck with them for 5 years now despite shopping around each year.

    The other thing I was going to mention was a weekly email reminder thingy I get. I've never actively bought any of the products the site/service offer but the site does offer lots of good research material and astute financial and tax considerations when it comes to BTL so I thought I'd let you know and you could have a look, as I say, I just have the weekly alerts/updates sent through. The site is

    http://www.property-tax-portal.co.uk/

    Regards
    ATT
    MFW Start Date 1.4.08. Updated 23.1.18. MFW date 1.8.18
    Original Mortgage o/s £187,643 / £71,904 (-115,739)
    Repay o/s £92,661 / now £55,900 (-36,761)
    Int Only o/s £94,982, now £16,004 (-78,978)
    Total daily interest £1 [a) £0.77 b)£0.23
    Total OP's:2018 target £TBC YTD £1,995
  • Froggy-G
    Froggy-G Posts: 2,145 Forumite
    Your loyal subjects awaits your update Billy! ;)
    Froggy's New Lillypad Fund
    Total so far: £ 10,009.77
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Hope all is ok Billy.

    (My money is on Moyra having given him a REALLY big list ;))
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
  • abouttimetoo
    abouttimetoo Posts: 1,860 Forumite
    Part of the Furniture Combo Breaker
    Hi Billy, hope everthing is ok too

    Gally, my money is on him having bought another 10 houses, a nursing home and a run down hotel and not being sure how to tell us :rotfl:
    MFW Start Date 1.4.08. Updated 23.1.18. MFW date 1.8.18
    Original Mortgage o/s £187,643 / £71,904 (-115,739)
    Repay o/s £92,661 / now £55,900 (-36,761)
    Int Only o/s £94,982, now £16,004 (-78,978)
    Total daily interest £1 [a) £0.77 b)£0.23
    Total OP's:2018 target £TBC YTD £1,995
  • Hi Billy, Hope you are too busy with your BTL ventures to post here. We are all eagerly waiting for your enthusiastic posts. Take care.
    Mortgage: @ Feb. 2007: £133,200; Apr. 2011: £24,373; May 2011: £175,999; Jun 2013: ~£97K; Mar. 2014 £392,212.73; Dec. 2015: £327,051.77; Mar. 2016: ~£480K; Mar. 2017 £444,445.74
  • Spiggle
    Spiggle Posts: 1,787 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Perhaps the atrocious weather hit them and they're still without power? Waughc is fairly close, maybe they know something?

    Hope you and Moyra are ok Billy.

    All the best,
    Spigs
    Mortgage Free October 2013 :T
  • wynnvegas
    wynnvegas Posts: 1,377 Forumite
    Mortgage-free Glee!
    Evening All,

    Happy New Year to one, all and anyone who considers themselves sufficiently outwith the earthly strata to deserve a seperate mention. Hoping for a wildly successful 2012 for everyone of us like minded souls in Planet MSE.

    Let me begin by explaining my ridiculous absence. As much fun as I'm having with the estimates proffered (and some aren't far off the mark!), my holiday period has been realxing and unproductive in equal measure due to the loss of my laptop. Even now, I've got an average of half a dozen sexy popups a day trying to break my computer. What was properly disconcerting was that I lost very nearly everything on the laptop. Thankfully, one of the lovely techies at work recovered everything and I was back in the game as of Wednesday. Relying on the phone and the iPad is alright for a bit but the lack of excel was as keenly felt as losing a limb. Anyone who thinks we're not beholden to technology is dreaming!

    Let me, in order, crack on with the following:

    1. Reply to the good people of the Wynnvegas II diary
    2. Update the readership on the trials, tribulations, excesses and efforts of the last couple of weeks
    3. Catch up on the good diaries of MSE

    Cheers,

    Billy
    Mortgage Free: 28/10/2010
    Time / Interest Saved: 18.5 years / £61,866.50
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