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Lois_E begins a long MFW journey

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  • Radish72
    Radish72 Posts: 2,075 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Lois - I see your light is green, so congratualtions for completing all off your jobs on the list and updating your speadsheet this morning
    Mortgage Aug 12 £165K, Aug 19 £0
    ISA challenge start 2019 £3000/£1500 (50%)
  • Lois_E
    Lois_E Posts: 2,227 Forumite
    Ninth Anniversary Combo Breaker
    Well, the spreadsheets aren't completely sorted, but the mortgage bit is done. So are the laundry and paperwork mountains - although I've now got more to do to the sorted piles of paper, and there's more washing to do which will refill the pile of clean dry laundry that I've just emptied.

    Just nipping out to get one or two things that I want this evening, and then I'll update my sig. I'm saving that until after I've been to the shop and back, though. :)
    Starting again 13/4/19
    Home loan 1: £21,102.50 Home loan 2: £7,698.99
    Total owed: £28,801.49
  • Lois_E
    Lois_E Posts: 2,227 Forumite
    Ninth Anniversary Combo Breaker
    All mortgage parts of spreadsheet up to date. All mortgage and borrowing parts of sig updated. Another month knocked off my MF date. :)

    EF still not up to date, so neutral date not possible to calculate until I've done it.
    Starting again 13/4/19
    Home loan 1: £21,102.50 Home loan 2: £7,698.99
    Total owed: £28,801.49
  • teapot2
    teapot2 Posts: 3,545 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    All figures seem to be heading in the right direction - hooray
  • Lois_E
    Lois_E Posts: 2,227 Forumite
    Ninth Anniversary Combo Breaker
    Oooh this OD thing is exhausting. Typed replies to messages to 6 men this morning. It's very interesting how I type completely different messages in response to the different things they say - in terms of length, depth and subject matter.

    Urgently need to get my finances sorted out so I've got the info I need to put my CTC claim in before the deadline on 31/7/14.
    Starting again 13/4/19
    Home loan 1: £21,102.50 Home loan 2: £7,698.99
    Total owed: £28,801.49
  • Lois_E
    Lois_E Posts: 2,227 Forumite
    Ninth Anniversary Combo Breaker
    Morning All :wave:

    Today I need to do lots of laundry, and make myself do that dratted CTC form.

    Oh, and for anyone who's interested, I've now had a message from another OD man!

    I am grateful for:
    1) School holidays
    2) Sunshine
    3) Doing fun things with DD yesterday
    4) Compliments from some of the OD men
    5) MCI, Hbbb, Froggy & teapot for posting :wave: and Alchemilla, Froggy, gally, Hbbb, MCI, pink poppy, QBW, Radish, skinty & Tilly for thanking :wave:
    Starting again 13/4/19
    Home loan 1: £21,102.50 Home loan 2: £7,698.99
    Total owed: £28,801.49
  • misscousinitt
    misscousinitt Posts: 3,655 Forumite
    Tenth Anniversary 1,000 Posts Mortgage-free Glee!
    I find that its difficult to make yourself do something - but when you do (and it turns out not to be so bad) then you feel a lot better.

    MCI
    Mortgage Free x 1 03.11.2012 - House rented out Feb 2016
    Mortgage No 2: £82, 595.61 (31.08.2019)
    OP's to Date £8500

    Renovation Fund:£511.39;
    Nectar Points Balance: approx £30 (31.08.2019)
  • Lois_E
    Lois_E Posts: 2,227 Forumite
    Ninth Anniversary Combo Breaker
    Tax credits form not as bad as I feared. Spreadsheets were already up to date as far as the end of the tax year, which was all I needed to do my form.

    Took a while on the phone. Had to give my NI number, full name, DoB and address with postcode 3 times - to the automated voice, and to two separate HMRC minions, but got it done in the end. The second minion seemed a bit clueless. She told me I'd have to download a separate worksheet from the website to calculate how to deduct gift aid - it only required adding my salary to my "other income" total and then subtracting the GA. I don't think adding two numbers and taking away another one really needs me to print out a whole document with loads of irrelevant boxes and examples about people whose partners had trading losses etc!

    Anyway, it's done now. Off to see if the WM has finished, hang up that load and put another load in. :)
    Starting again 13/4/19
    Home loan 1: £21,102.50 Home loan 2: £7,698.99
    Total owed: £28,801.49
  • Habibiboo
    Habibiboo Posts: 1,582 Forumite
    Radish72 wrote: »
    Lois - I see your light is green, so congratualtions for completing all off your jobs on the list and updating your speadsheet this morning

    :wave:

    Very intrigued by this multicoloured wizardry! How did you go green Lois?

    Well done on getting your forms in despite unnecessary complexities of automated phone systems! x

    Stash busting 2014 45 / 60 (balls of yarn)!
    2014 Sealed Pot #2136 ?/£500
    House: Decluttering 322 / 365
    Original mortgage [STRIKE]£149,000[/STRIKE][STRIKE]£117,750[/STRIKE];[STRIKE]£112,500[/STRIKE] MFW 2014#69 GOAL 1: [STRIKE]£109 K April[/STRIKE] ;) GOAL 2: [STRIKE]£103 K by Sept[/STRIKE] ;) GOAL 3: < £100k by end of 2014 MF goal: Nov 2020 - 4 years early
  • Radish72
    Radish72 Posts: 2,075 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Habibiboo wrote: »


    :wave:

    Very intrigued by this multicoloured wizardry! How did you go green Lois?

    Well done on getting your forms in despite unnecessary complexities of automated phone systems! x


    Habibiboo - bottom left corner of anyone's post is either a red light or a green light, red = not logged into MSE, green light = means you are logged in
    Mortgage Aug 12 £165K, Aug 19 £0
    ISA challenge start 2019 £3000/£1500 (50%)
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