I STILL want to be mortgage free - 2011!

twinklie

2012
Mortgage at start of January: £32,847.02
Overpayments in Blue.
Interest in Red.
Balance in Green.

Month: Payment (Std / OP) / Interest (per day) / Net reduction / Balance

January: 450.00 (275.47 / 174.53) / £109.22 (£3.52) / £340.78 / £32,506.24

Totals: Payment / Interest / Net reduction.
Grand Total: 450.00/ 109.22 / 340.78

Balance outstanding: £32,506.24

twinklie

I'm looking forward to this time next year - I plan to start a new diary next Jan 1st because DH will be home full time then and we can start making proper plans for things again. :j

I'm so confused still (teacher people) about this whole work to rule thing. I'm sure I'm breaking the rules for this doing work at home...but I have to keep myself occupied and I don't have the energy to move, and there is nothing on the tv and I have a big to do list. Ha ha.

twinklie

Stupid car tax bill came through this morning....a new day - a new bill!

Forgot about that bad boy! Boo! Another £165 to say bye bye too. Why does money not like me?

twinklie

Right 0% credit card deal ends in July. So it looks to me as though now is the perfect time to cancel the credit cards we haven't been using (ones we've transferred money from).
Cards to cancel:
1. Sainsbury's.
2. Tesco.
3. DH's MBNA card.

I plan to get this sorted in the next week.

macgirl

twinklie wrote: »

Why does money not like me?

:rotfl: I say that all the time Twinklie!

You're making great progress and I like the plans to move to Colorado (if that's still the plan?) DH would dearly love to live in the States and his pipe dream is to retire there.

I'm subscribing so will pop in again soon

twinklie

Awww...thanks honeypie. That is still the dream...but it's slipping more and more into the relm of fantasy. Ah well. Aim for the stars I say.

macgirl

Well as the song says, You've got to have a dream or how are you going to make it come true! Keep dreaming I say

My sis lives in the States and one year (BC - before children) we went and toured around Calif and Nevada over Christmas and NY - up Highway 1 - it is still my favourite journey and is the "happy place" I go to in my mind when life gets me down.
Dh would love to retire to Santa Cruz as we stopped off there one late afternoon when the sky was pink and we walked along the wooden boardwalk. It was bliss. Not sure if we could/would live there in reality, but it's his little dream....
Failing that we'll move back to London where he's from - hardly the same, but that is plan B! :rotfl:

twinklie

Yeah Colorado is my happy place. I'm pretty lucky to have spent a year there I guess. I'm just greedy. As long as I get out of this place I'm not too fussed. It's the adventure of not knowing what will happen I guess.

twinklie

Right so from Monday life gets a little crazy. I start A-level marking on Sunday/Monday, and am then on going with it through until 24th Feb because I'm starting GCSE marking as the A-level finishes. Fun fun...but lots of extra pennies for the savings pot (which has been eaten into by the naughty car).

So I'm hoping to start building my savings back up for what is going to prove a very interesting 12 months, lots of changes with twinklie household this year. Finally...I love a bit of change.

twinklie

Got my annual mortgage statement which has led to me adjusting my figures slightly...only by pence really though so it's not too bad. It's nice to see how much I'm overpaying by now.