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Sepa seeks freedom

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Comments

  • Sepa74
    Sepa74 Posts: 962 Forumite
    THE KITCHEN IS FINISHED!!!!!!

    It's brilliant, I love it! There are one or two things that need to be finished off, and then it needs painting, and then it's on to the bathroom. Being without a kitchen for two weeks made me realise that being without a bathroom for any length of time in winter would be just miserable, so I've decided to crack on with it immediately rather than wait until later in the year. I have the money, so it isn't a problem to get started on it straight away.

    It's been such a beautiful day here... my cherries are ripening so I have garlanded the cherry tree with spare material to try and discourage the birds from stealing them. The first raspberries are turning pink too! So exciting.

    Everything else is growing slowly. I'm very jealous of my neighbour's bean plants, which are flowering (!) while mine all only have about 4 leaves... but I know they'll be very productive in a month or so.

    I'm so tired at the moment - it's been quite an emotional couple of weeks, and work has also been fairly stressful. I've got a two week holiday planned for the beginning of July, so I have that to look forward to, thank goodness!
    Borrowed £150,000 in an offset tracker mortgage in May 2007 - MFD May 2041 (67)

    Jan 2012 - £125,620.02 / 2,913.87 / Nov 2032 (58) :beer:
    Apr 2012 - £122,901.88 / 3,170.91 / Jul 2032 (58)
    Jul 2012 - £122, 589.02 / 3,507.99 / Sept 2032 (58)
    Oct 2012 - £120,476.31 / 3,889.42 / July 2032 (58)
  • Sepa74
    Sepa74 Posts: 962 Forumite
    Ooh! I just updated my mortgage tracker with the £25 pcm payment I am getting for letting out half my garage. It's shaved over a year off my mortgage, from Oct 2036 to May 2035.... yippee!!
    Borrowed £150,000 in an offset tracker mortgage in May 2007 - MFD May 2041 (67)

    Jan 2012 - £125,620.02 / 2,913.87 / Nov 2032 (58) :beer:
    Apr 2012 - £122,901.88 / 3,170.91 / Jul 2032 (58)
    Jul 2012 - £122, 589.02 / 3,507.99 / Sept 2032 (58)
    Oct 2012 - £120,476.31 / 3,889.42 / July 2032 (58)
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    :jYay to kitchen:j.......... em....... PICCIES PLEASE!!!!!!
    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"
  • So sorry to hear about you and your partner - sending *hugs* your way. Fab news about the kitchen though! :j I had my bathroom done during August last year and even with my Mum just being around the corner it was still a pain. Luckily the loo was connected up first which made things a bit easier :o I think you're definately right to get it done while the weathers warm as you'll probably be without water for most of the time during the day so central heating will be a no-go...in fact it'll be even better if you can get it done while you're out at work and not in the holidays like I did - lol!

    Take care,

    mg x
    :jMortgage free 08.08.19 :j
    2018: £19410.25 / £9,300 2017: £7646.64 / £11,000 2016: 4557.98 / £11,000 2015: £10,230.37 / £11,000 2014 =£6703.26 / £11,000 2013 = £4288.51 / £8000 2012 = £1600/£5000 2011 = £2579/£3000
    MF date was Nov 2041 - mortgage neutral 23.07.18

  • miss_corerupted
    miss_corerupted Posts: 3,486 Forumite
    1,000 Posts Combo Breaker Debt-free and Proud!
    ooo a new kitchen, how exciting what colour is it?? worktops etc
    I have dyslexia, so get used to my spelling and grammar :)
    Mortgage pay off date 11/2028. Target 12/2020 :rotfl:
    Current Balance £33921
    Declutter 2123/2016
  • Sepa74
    Sepa74 Posts: 962 Forumite
    Thanks guys... I've got white gloss cupboards and a grey speckled benchtop... sadly not granite, just laminate :( I still have to get the walls painted - cream - and I got them to relay the old vinyl, so once the bathroom is sorted I'll get the floor done in both rooms together.

    Toughened glass splashbacks - blue.

    Hmmm, piccies... I'm not that technologically competent. What do you think I am? an IT professional?!

    I'll try, but it will probably be next week now.
    Borrowed £150,000 in an offset tracker mortgage in May 2007 - MFD May 2041 (67)

    Jan 2012 - £125,620.02 / 2,913.87 / Nov 2032 (58) :beer:
    Apr 2012 - £122,901.88 / 3,170.91 / Jul 2032 (58)
    Jul 2012 - £122, 589.02 / 3,507.99 / Sept 2032 (58)
    Oct 2012 - £120,476.31 / 3,889.42 / July 2032 (58)
  • katsu
    katsu Posts: 5,029 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    I can't wait to see the room for inspiration - gotta love property pr0n
    Debt at highest: £8k. Debt Free 31/12/2009. Original MFD May 2036, MF Dec 2018.
  • Sepa74
    Sepa74 Posts: 962 Forumite
    edited 12 June 2011 at 11:41AM
    Have just done my monthly accounts... they are looking pretty ugly because I've decided to reduce the amount I put on my visa each month (it gets paid off in full, don't worry!!) and make payments from my current account. In fact, allowing for this I think I've done pretty well this month, particularly as it included vets bills!

    Mortgage free date still May 2035 :( but it's a bit unrealistic to hope that one month will make much of a difference!!

    Not much else to report except that I seem to have got back together with the boyfriend... yay!! I got a text from him admitting it was a 'mistake' to end our relationship, and we've been talking a fair bit over the last week. Had a heated argument on Friday night, but nothing too serious, and we made up yesterday. We really struggle to co-ordinate our diaries - it's been an issue the whole way through the relationship, so we'll have to careful to be very clear with each other. I tend to make assumptions that we've made a firm arrangement, while he tends not to tell me about stuff he's doing that he thinks I might not like. These things are never easy, are they?!

    He's funny though, every time I make a comment about being 'dumped' he corrects me... apparently being dumped means we would never have spoken again, where as what he did was 'end the relationship'. Sounds like semantics to me!!!

    Have just been very non-MS and used the clothes dryer as it's so wet. Naughty me!
    Borrowed £150,000 in an offset tracker mortgage in May 2007 - MFD May 2041 (67)

    Jan 2012 - £125,620.02 / 2,913.87 / Nov 2032 (58) :beer:
    Apr 2012 - £122,901.88 / 3,170.91 / Jul 2032 (58)
    Jul 2012 - £122, 589.02 / 3,507.99 / Sept 2032 (58)
    Oct 2012 - £120,476.31 / 3,889.42 / July 2032 (58)
  • katsu
    katsu Posts: 5,029 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    Hope it all works out Sepa - and must be more MSE than going on dates to find a new relationship :D;)
    Debt at highest: £8k. Debt Free 31/12/2009. Original MFD May 2036, MF Dec 2018.
  • Sepa74
    Sepa74 Posts: 962 Forumite
    Ha ha, Katsu, that is VERY true!!

    Thanks :)
    Borrowed £150,000 in an offset tracker mortgage in May 2007 - MFD May 2041 (67)

    Jan 2012 - £125,620.02 / 2,913.87 / Nov 2032 (58) :beer:
    Apr 2012 - £122,901.88 / 3,170.91 / Jul 2032 (58)
    Jul 2012 - £122, 589.02 / 3,507.99 / Sept 2032 (58)
    Oct 2012 - £120,476.31 / 3,889.42 / July 2032 (58)
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