I STILL want to be mortgage free - 2011!

twinklie

It did and its perfect. Handed out some more business cards the other day but with getting exam marking it doesn't really matter if I get any other students or not. Woop woop.

gratefulforhelp_2

Sorry I'm out of date on threshold stuff.

I would ask union, or the head's secretary.

twinklie

Edexcel have cancelled my contract for Nov. Not enough kids taking exam. !!!! !!!! !!!!.
Wish I had another student now. Yawn.

gratefulforhelp_2

bummer. I've just got an A level Chem contract for Jan.

We'll be mega skint by then. Our kitchen has come alive and is eating cash.

twinklie

Right back from Wales and had a busy busy day. Still got lots to do tomorrow before I'll be ready to go back to work. But I'm on it!

I have a distinct lack of money though which is a tad worrying.

twinklie

Mortgage at start of January: £36,429.83
Overpayments in Blue.
Interest in Red.
Balance in Green.

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

January: 450.00 (328.81 / 121.19) / £163.63 (£5.28) / £286.37 / £36,143.46
February: 450.00 (328.81 / 121.19) / £162.34 (£5.80) / £287.66 / £35,855.80
March: 450.00 (328.81 / 121.19) / £161.05 (£5.20) / £288.95 / £35,566.86
April: 450.00 (328.81 / 121.19) / £159.75 (£5.33) / £290.25 / £35,276.61
May: 450.00 (328.81 / 121.19) / £158.45 (£5.11) / £291.55/ £34,985.06
June: 450.00 (328.81 / 121.19) / £157.14 (£5.24) / £292.86/ £34,692.20
July: 450.00 (328.81 / 121.19) / £155.83 (£5.03) / £294.17/ £34,398.03
August: 450.00 (328.81 / 121.19) / £154.50 (£4.98) / £295.50/ £34,102.53
September: 450.00 (328.81 / 121.19) / £153.18 (£5.11) / £296.82/ £33,805.71
October: 450.00 (328.81 / 121.19) / £151.84 (£4.90) / £298.16/ £33,507.55
November: 450.00 (328.81 / 121.19) / £111.41 (£3.71) / £338.59/ £33,168.96

Totals: Payment / Interest / Net reduction.
Grand Total: 4950.00/ 1688.43 / 3260.88

Balance outstanding: £33,168.96

Decided to do my figures a day early this time - due to the fact I'm going back to school. I only need to pay off another £120 off the capital and I've paid off more this year than last! Although it does have to be said that from November my figures are much more guesstimates than not.

CathT

2012 should see you get into the 20's! Well done.

twinklie

I will be so excited to get under £30K! :j Just hope nothing crazy happens to ruin it.

pavlovs_dog

it's lovely seeing the daily interest fall isn't it. That's the one figure for me which really sums up how stupidly expensive mortgage debt can be

[Deleted User]

Well done twinklie
Hope first day back to skool goes ok- my first day back to work tomorrow after a few v relaxing and lovely days off!! hope its not still dark when I get up in the morning!
not long till you'll be in the 30s! yay!