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Sepa seeks freedom
Comments
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The washing has dried! I'll get it off after I finish this post.
I got my quarterly mortgage statement yesterday, and it's looking very cheerful
I now owe 122,901.88, and have a LTV of 66%. In the last quarter, I have been reducing the capital by £900 a month, through regular payments, OPs and offsetting, so I'm very pleased.
The next couple of months won't be as good as I have had to spend quite a bit on getting the flat ready for my lodger. But once he has been staying here for a few months then the rate should start coming down very steadily!
In other news, I did the wheel at yoga for the first time on Thursday night. Very exciting! I've been doing yoga off and on for the last 8 years, and the wheel has been my nemisis! I think the previous time I did it was when I was 8 at primary school!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)0 -
In other news, I did the wheel at yoga for the first time on Thursday night. Very exciting! I've been doing yoga off and on for the last 8 years, and the wheel has been my nemisis! I think the previous time I did it was when I was 8 at primary school!
Just had to google it
. I can sort of see it is possible to hold the position but I would need a crane to get me in it :rotfl:. 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 -
HI everyone,
I had a bit of a shock this morning when I received my mobile phone bill... 137 texts over my allowance :eek: But that is internet dating for you
I'll just have to make sure I'm more careful next month.
Having yet another spendy month... and I have a wedding in August, and I have decided I want to buy a new dress for it... but I want to buy it NOW!!! I want to take my credit card out of my purse, put the numbers in on line, and then have the pleasant expectation of waiting for it to arrive....
NO NO NO NO!!! I will be strong and resist!
Please send willpower my way!!
I hope everyone else has had a MS week!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)0 -
Hi Sepa, don't forget we are jut heading into the sales, so keep the credit card safe until the prices come tumbling
Best wishes Tilly x2004 £387k 29 years - MF March 2033:eek:
2011 £309k 10 years - MF March 2021.
Achieved Goal: 28/08/15 :j0 -
Check fleabay, you never know the dress may be there.Pots: House £6966/£7100, Rainy day Complete, [STRIKE]Sunny day £0/£700[/STRIKE], IVF £2523/£2523, Car up-keep £135/£135, New car £5000/£5000, Holiday £1000/£1000, MFW #16 £2077/£3120
MFiT3 #86: Reduce mortgage from £146,800 to £125,000
Mortgage Sept 2014: £135,500, MF Oct 2035 Peak July 2011: £154,000, MF July 20360 -
HI everyone,
I had a bit of a shock this morning when I received my mobile phone bill... 137 texts over my allowance :eek: But that is internet dating for you I'll just have to make sure I'm more careful next month.
Having yet another spendy month... and I have a wedding in August, and I have decided I want to buy a new dress for it... but I want to buy it NOW!!! I want to take my credit card out of my purse, put the numbers in on line, and then have the pleasant expectation of waiting for it to arrive....
NO NO NO NO!!! I will be strong and resist!
Please send willpower my way!!
I hope everyone else has had a MS week!
Ouchies... but look at it this way... you might be single-handedly holding up the failing economy... so bonus?!- Mortgage @ March 2008: £194,965 ; Lightbulb Moment: July 2011: £164,926; End Date: March 2033
- MORTGAGE FREE: September 2015
- MSE 1p Savings Challenge 2024 #50: Jan, Feb, Mar, Apr, May, Jun, Jul, Aug, Sep, Oct, Nov, Dec = £223.84/£671.61
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lol... who would have thought a high phone bill was for the greater public good?!
It wasn't too high - just £12 - 13 over what it normally is - not too worried really, and now I've learned the hard way that I only have 300 txts I'll be a bit more careful.
The dress won't be on e-bay because I have duck disease and I want to get a dress from my favourite petite designer, Karen Gillam.
I LOVE this dress: http://www.karengillam.co.uk/index.php/dresses/jacqui-o-dress-tulip-print.html
But think this one is probably more practical considering the direction my weight has been going this year (UP!) http://www.karengillam.co.uk/index.php/dresses/lucille-dress.html
Although she does occasionally put stock on sale, I've never seen either dress discounted.
I do have two other lovely frocks I could wear to this wedding, but it's a colleague, and I'm sure I wore one to a Christmas party a few years ago, and I wore the other to a wedding in Australia 18 months ago, and they might have seen photos. This dress is a halter-neck, so OK for a wedding in Australia, but may be a bit chilly for June in England, even with a cardigan!
Should I take the risk, or just use the excuse to buy _another_ pretty frock?!
All the shorties out there, check out Karen's site... I love her clothes and it is SO nice to have something arrive in the post and have a reasonable expectation that it will both fit AND look good!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)0 -
Naughty Sepa, you have made me look at the website :rotfl:Mortgage Aug 12 £165K, Aug 19 £0
ISA challenge start 2019 £3000/£1500 (50%)0 -
He he... I'm shameless, aren't I!! Are you a short*ss too, Radish?!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)0 -
Yep I'm 160cm tall so technically a short@ss :rotfl:Mortgage Aug 12 £165K, Aug 19 £0
ISA challenge start 2019 £3000/£1500 (50%)0
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