2011 mfw

cake21

curlygirl1971 wrote: »

LOL. Okay everyone speaks Welsh on this thread apart from me. Rwyf wrth fy modd Cymru (the bits I've been to) if that helps. Although if I had to say it out loud I would need 4 wine gums to attempt it.

It is funny how many welsh-speakers are on this thread! My teacher told us only about 20% of people in Wales speak Welsh and given the challenge is primarily UK but stretching all the way to New South Wales (canne do you speak Welsh too? ) it's pretty amazing. Is MFW a welsh thing??

cake21

curlygirl1971 wrote: »

As a matter of nerd-ish curiosity - can I ask those that keep spreadsheets if they have anything particularly special on their record/forecast. Here's my column headings - anyone with anything any different?

Mine is a lot less technical than yours (where's the "we are not worthy" smilie when you need it ):
Month # (took out mortage in month 1, at the moment predicted to end in month 104, would love to trim that down to 100)
Month e.g. January 2011
Minimum Payment (amount paid by DD, determined by mortgage provider)
Regular Overpayment (amount OP'd by SO)
One-off overpayment (ad-hoc OPs)
Actual payment (total of minimum + SO + one-offs)
Interest (estimate of interest charged that month, doesn't consider length of month)
Interest rate (mortgage rate)
Balance (outstanding balance after applying interest and payments)
Credit facility (OPs that I can get back, this is the default but I make capital repayments that I can't get back to reduce the term)
Interest without overpayments (interest charged assuming no overpayments)
Balance without overpayments

I also have another sheet which takes the balances from the main sheet and it's sole purpose is so I can change the colours on cells to see the predicted MFD getting closer :rotfl:

canne_2

Hehe, No, I can't speak Welsh... I know a bit of Arabic though as my ex speaks Arabic...

Cheers

canne

kizzie01

No 90 checking in for my first post of 2011.

I'll keep my target same as 2010 at £4,200 and will endeavour to reach it!

First overpayment for January 2011: £221.82

Have treated myself to a lovely new Sony telly which scuppured any further overpayments this month.

Good luck to everyone in 2011....

CathT

I know a little Welsh but should improve from reading through this thread!

NO 7. checking in with £250 OP for January sent. Hope i can keep this good pace up, have already been revising my goals.

wonderbee

Hi Cake

It's No 153 here. Sorry I got totally confused and posted on the 2010 thread instead. What was I thinking???
Op'd £74.81 today.

Thanks
Wonderbee

Barny1979

£125 payment made so far in 2011, ready to start on ebay again soon, which will help tidy the house and bump up the OPs.

Monkeybrain

Hi,

No 92 here (I think).
Made my first 2011 overpayment :j of £100 - gotta start somewhere !!

Happy New Year everyone,

MB

black_taxi_2

first mortgage+debt payment 2011

£1113---i updated google docs

i predicted future payments wrong first couple of months

always unexpected bills

thx

cake21

canne wrote: »

Hehe, No, I can't speak Welsh... I know a bit of Arabic though as my ex speaks Arabic...

Cheers

canne

Hats off to you, Arabic always sounded very very complicated (I can't speak a word )