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Lois_E begins a long MFW journey

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  • Lois_E
    Lois_E Posts: 2,227 Forumite
    Ninth Anniversary Combo Breaker
    Tried again to log onto Santandr online banking but it wants me to put in a registration number, which I haven't got. However, my ancient Santandr phone banking details (from when I had an account with them a few years ago) still work just fine, and tell me the balance of my new account. So I used that to get through to a live human being to talk about not being able to log on to online banking, and he's pressed buttons so that I will get sent out new online login details this week. :)
    Starting again 13/4/19
    Home loan 1: £21,102.50 Home loan 2: £7,698.99
    Total owed: £28,801.49
  • Alchemilla
    Alchemilla Posts: 6,252 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    How many more get ups til Easter?
  • Lois_E
    Lois_E Posts: 2,227 Forumite
    Ninth Anniversary Combo Breaker
    Not very many early ones! :D
    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
    Just had quote back from builder. :eek:

    This is going to make a big dent in my EF. :( But it is all important stuff - either mending things that will get worse if left unattended-to, or simple measures that will make a big difference to quality of life (like increasing storage). He's not ready to start yet, though - some other big jobs on - so I'll have to see if I can fill up my "savings and bills" account as much as I can before I have to start paying for the work, so I don't have to take any more out of the EF than I have to.
    Starting again 13/4/19
    Home loan 1: £21,102.50 Home loan 2: £7,698.99
    Total owed: £28,801.49
  • QB_Wolf
    QB_Wolf Posts: 722 Forumite
    Hi Lois are you going to get a few quotes?
    Start Date 16/09/2015
    Original amount outstanding = 225,000 Current amount outstanding =199,812
    Original LTV = 64% Current LTV = 49%
    Original Pay Off Date = Sep' 36 New Pay Off date = Sep' 36
    Original Dly Int = 17.17 New Dly Int = 17.17 Total OP = £1319.31
  • Lois_E
    Lois_E Posts: 2,227 Forumite
    Ninth Anniversary Combo Breaker
    Actually no, QBW. I went through all that the first time round. This guy is the one who rescued me from the consequences of employing the previous builder, and I've built up a relationship of trust with him, so I'll be sticking with him for the next bit. He won't rip me off, but on the other hand he won't use mega-cheapo products that don't work properly or need replacing after 5 minutes.
    Starting again 13/4/19
    Home loan 1: £21,102.50 Home loan 2: £7,698.99
    Total owed: £28,801.49
  • catshark88
    catshark88 Posts: 1,099 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Mortgage-free Glee!
    We are in a similar situation Lois. We are using the builder who did our big renovation and are waiting to be scheduled in for a new balcony. I'm quite happy to wait, given the weather and every month should be more into savings. it's nice to have something to look forward to, too.
    "Have nothing in your houses that you do not know to be useful, or believe to be beautiful." William Morris
  • Lois_E
    Lois_E Posts: 2,227 Forumite
    Ninth Anniversary Combo Breaker
    edited 22 March 2013 at 7:34PM
    Just how I feel, catshark.

    Weather here awful. I slept badly and keep listening to the wind howling round my house - and I don't even live at the top of a hill or anything.

    Today I am grateful for
    1) CM money will probably arrive today, or Monday at the latest. :)
    2) It's Friday! :D
    3) My bro and sil :)
    4) My dad (he seems to crop up on these grateful lists quite often!) :)
    5) The daffs and crocuses there have been around recently - hope some of them survive this weather.

    Hello and thanks to Alchemilla, QBW and catshark for posting. :wave:

    Hello and thanks to Alchemilla, andrea_louise, HDK, MCI, MWC, natty, newgirly, pink poppy, pixnmix, Radish, skinty, tattycath, teapot2, Tilly & ztan 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
  • I saw a beautiful patch of snow drops when I was walking the hounds the other day. They are such a marvel to be flowering and giving my when its so blinking cold.

    Tilly x
    2004 £387k 29 years - MF March 2033:eek:
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15 :j
  • Lois_E
    Lois_E Posts: 2,227 Forumite
    Ninth Anniversary Combo Breaker
    That's been such a long week. Am so glad it's Friday.

    Log in details have begun arriving for new accounts. Have started moving money about to the right locations now. :)
    Starting again 13/4/19
    Home loan 1: £21,102.50 Home loan 2: £7,698.99
    Total owed: £28,801.49
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