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Gallygirl's "A journey of 121,226.67 pounds begins with a single penny" diary
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Yes, sometimes when you not even swearing you get MSE'd squashed. So well done... Fanny...Morgage till Nov 30 GOAL MFW Sept 2016Aug 11 - £100k Aug 2016.... It's GONE!!!!!
2014 GOAL HIT 5 Stone! 2016 GOAL to be a MF marathon runner.
"A goal without a plan is just a wish"0 -
nattypants wrote: »Fannying Around GG, Fannying around (actually I'm just testing MSE to see if the word fanny will look like this ---> !!!!!)
Oops, and I thought you'd been doing !!!! all - off to wash mouth out :rotfl:Humph - clearly discrimination going on word wise0 -
:rotfl::rotfl::rotfl:Oops, and I thought you'd been doing !!!! all - off to wash mouth out :rotfl:
Up at 2.30, having been wide awake since 1. Not so :rotfl:.
Decided to treat myself by moving around money from maturing reg savers 1 day early (forfeiting around £1 interest :eek:). Will report back......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"0 -
Just spent 7k :eek:.Decided to treat myself by moving around money from maturing reg savers 1 day early (forfeiting around £1 interest :eek:). Will report back......
ISA topped up to max
FlexDirect topped up to max
Offset topped up to 1k emergency savings
Money left in current account for mortgages and insurances
BTL OP of balance of 2k
Although overall debt remains the same it's obviously saved some interest and overall MF date has dropped a month from June 16 to May 16 (well, actually it's dropped 1 day from 1st June to 31st May, but who's counting :rotfl:). Also I'll just squeak into the 97k's after all, assuming rent gets paid :T.
It's been lovely watching savings balances increase every month - but it felt even better to actually make a capital payment off mortgage. Looking forward to many more till it's gone as only one £300 reg saver now, so rest of monthly OP's can go to BTL until next tax year and its massive new ISA rates :rotfl:.
Oh, and Tilly Tidy of £1.36
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"0 -
Tell me you managed to go back to sleep ?
Excellent financial manipulations in the dead of the night :rotfl:
Tilly x x2004 £387k 29 years - MF March 2033:eek:
2011 £309k 10 years - MF March 2021.
Achieved Goal: 28/08/15 :j0 -
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:eek: Slept 7 hours last night - gotta love Nytol :eek:
No pennies to Tilly Tidy
. However, I've just found £300 (£305.01 to be precise 
) as I completely missed ISA interest paid last month. I only need another £35 over projected payments to knock another day off to 30/5/16 . But then it's serious money - to knock a month off will be another 3.9k :eek::eek::eek:. So, May 16 will be it until we sell BTL 2, buy another and see where that leads us. Am hoping we will buy something a little cheaper - looks like we can get a higher rent, better yield and much less maintenance for 10 - 20k less :T. 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"0 -
Sounds amazing! Do you have a portfolio of BTLs then? Or just the one you are looking to change?M3 Dec2015 #160 Target £150,000 (BU £155000)0
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Oh dear. Sure I replied to this so I've probably randomly posted on someone else's thread :doh:. We have 2, 1 of which is being sold/replaced. Plus 1 Mr GG's brother is in rent free (don't ask....), also known as the 'accidental house', and I have my mum's little house. Not exactly a portfolioSounds amazing! Do you have a portfolio of BTLs then? Or just the one you are looking to change?.
Well, mortgages out but online balance not updated yet. 3 lots of rent due, none paid yet, don't these people know I've been up since 6 :rotfl:. It will all be going as BTL1 OP's. I've already OP'd £8 (combo of NW interest and Tilly Tidy). If they all pay today (unlikely as 1 is a dozy mare :cool:) I could be making a total of 4 OP's today, depending on when money shows up. Even by my standards that's impressive :rotfl:.
It's FRIDAY :j:j:jA 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"0 -
I've always found that Nytol gives me funny dreams - you know the ones - where you wake up angry as hell because your wife picked the toaster over you to play dodgeball in Primary School :rotfl:0
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