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Palema’s quest for a place to call home
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Enjoy Cardiff
I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
See you in Cardiff!! MEGA excited here! :j:j:j🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
Balance as at 31/08/25 = £ 95,450.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her0 -
EssexHebridean wrote: »See you in Cardiff!! MEGA excited here! :j:j:j
OH YES!!!!!:j:j:j:j
Not excited at all (what a bad lier I am!!) - just finished packing, fly in at 430 tomorrow afternoon for a weekend of fun fun fun!!
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Oh and House update - application form came in today! All filled out and hand delivered. Closing date is 14th September so fingers and toes crossed I get offered one of them!!
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POsitive vibes for the HA winging their way to you.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
Hey Palema!
Just thought I'd drop by and say "Hi".
Well done on the house thing! Bet you're dead excited now! I give it no time til you've ditched this diary and are on the MFW bit!!0 -
Hi everyone
Sorry not been around for a while, lots going on and speedway holiday as well!!
The update of all updates this!
I HAVE MY FLAT!!!!!!!! :j:T:j
Well in principle I do, deposit paid, mortgage applied for (waiting on approval) and looking at pretty things to put into my new place!!
I got to choose the plot I wanted and the one I had my eye on was still available so I will be moving into a 2 bedroom flat come January/February time!!
No other news to report really
I hope everyone is well
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That is just great news :j :j
That is the news of the year for you :j :jI am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
Hi Everyone
I should have also said earlier that with having had my mortgage interview this week I have been able to work out what my budget is roughly going to be, including my mortgage payments and the Occupancy charges insurances, council tax and the like.
I have not included personal things like haircuts or socializing in it just now as its a bit tight but I don't intend to do much socializing in the 1st few months until I can work out all the proper amounts. Once I am settled in I will then start to recalculate everything using the budget calculator on here to sort it all.
I have been making lists on my iPad (Free thanks to a Tesco glitch a couple of months ago!:j) and iPhone and have my Budgets on there as well as lists for Birthdays and Christmas for 2013. I am going to have to be strict with my spends or land up in debt again :eek: and I am not willing to do that!
The other thing I have made lists for, once I move in are Food spends, Fuel spends, Cleaning product spends, Toiletry spends. I realize as well I am going to have to go back to doing some more babysitting, which I have not done in a while. The money from this will go into my present pot for Birthday's and Christmas.
I am turning into the List Queen!!
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Great News!! I am really happy for you!0
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