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Lois_E begins a long MFW journey

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  • That was nice of Ford. You must have a reasonable dealership. Everytime I go in our closest one, I come out feeling like I've been mugged of all my money!
    MFW: Nov 2008 £156k, Jun 2015 £129k, Jun 2017 £114k.
  • misscousinitt
    misscousinitt Posts: 3,655 Forumite
    Tenth Anniversary 1,000 Posts Mortgage-free Glee!
    Yay to the Ford Dealership. As MSN says..they are usually robbers...
    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)
  • Peonie
    Peonie Posts: 1,471 Forumite
    Hi Lois, I dropped by to say I'm looking forward to you returning over the half term. I hope everyone is OK and we'll 'see' you soon.
    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 2036
  • Lois_E
    Lois_E Posts: 2,227 Forumite
    Ninth Anniversary Combo Breaker
    Aww Peonie, how lovely of you to think of me.
    Half term seems to be different for different counties this term. We've just finished, so here's to a week off. :)
    I'm behind on my spreadsheet :o but I'll try to get it up to date over the next day or two and update my sig. :)
    Starting again 13/4/19
    Home loan 1: £21,102.50 Home loan 2: £7,698.99
    Total owed: £28,801.49
  • Hurdler
    Hurdler Posts: 1,361 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Mortgage-free Glee!
    Hey Lois - good to see you back
    • 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
  • Lois_E
    Lois_E Posts: 2,227 Forumite
    Ninth Anniversary Combo Breaker
    OK, sig updated. No major milestones passed, but another £300 off the loans. :)
    Starting again 13/4/19
    Home loan 1: £21,102.50 Home loan 2: £7,698.99
    Total owed: £28,801.49
  • Weronika
    Weronika Posts: 260 Forumite
    £300 is still a good step in right direction:-)
    And just to say....I have 3 wardrobes of wrng size clothes:-) decluttering isn't my forte, oh no!
    Debt: [STRIKE]-£77.299 74,209[/STRIKE]-£72,860 Projected MF date(age):[STRIKE]2044(63)[/STRIKE] 2029(48)
    Credit Card 0%: -£1,800 Reg Saver: £4000/£6000 ISA: £0/£2500

    From March 2012: Mortgage OP: £160 pcm
    (saving 29k):D
    Apr 2013 Goal: reduce balance to £72,000 to get 60%LTV & better deal
  • Lois_E
    Lois_E Posts: 2,227 Forumite
    Ninth Anniversary Combo Breaker
    Thanks Weronika

    Spreadsheet now completely up to date. The usual mortgage payment goes out on Friday when I get paid, and I've set up for another £100 to come off FL1 on Friday too. It's not quite enough to knock another month off, though. Have to wait a little longer for that.
    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
    Payday!

    Mortgage payment has gone out. £100 off FL1. Sig updated.

    No major milestones today, but a mini-milestone if I can claim one for getting the total house borrowing below £89k. Onwards and downwards through the 88s here I come. :)
    Starting again 13/4/19
    Home loan 1: £21,102.50 Home loan 2: £7,698.99
    Total owed: £28,801.49
  • Lois_E wrote: »
    Onwards and downwards

    I like the sound of that! Here's to mini-milestones!
    MFW: Nov 2008 £156k, Jun 2015 £129k, Jun 2017 £114k.
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