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Lois_E begins a long MFW journey

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Comments

  • QB_Wolf
    QB_Wolf Posts: 722 Forumite
    You sound as happy as a pig in ***** :rotfl:
    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
  • Alchemilla
    Alchemilla Posts: 6,252 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    It has been a long week here, too.
  • catshark88
    catshark88 Posts: 1,099 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Mortgage-free Glee!
    I bet that if we had some decent weather, the weeks wouldn't feel quite so long.... Anyone remember warm days?
    "Have nothing in your houses that you do not know to be useful, or believe to be beautiful." William Morris
  • ztan
    ztan Posts: 400 Forumite
    Nope... I can't remember it. My colleague made it worse yesterday by showing us photos of this exact week last year and she was out in her garden with a cider, in a t shirt with her son and husband.

    NO FAIR
    MFW 2010- £112,500 + 20% Equity Loan = £150,000 35 years :o
    2013- £108,877.28 + 20% / current OP = 19 years :T
    Target to be Shared Equity Free- 2016
    Target for holiday to Australia- 2014
    Currently training for a Commando Challenge- drop and give me 20
  • Lois_E
    Lois_E Posts: 2,227 Forumite
    Ninth Anniversary Combo Breaker
    So tired. So happy that Easter is finally here. :D

    Making final arrangements for end of tax year now. Will be in a position to update sig later this evening, I hope. :)
    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
    Have updated sig now. :)

    The big news is that the number for Owed-ISA-EF is now under £80k :D

    So now my target is to keep it under £80k. I know I'll have to take some money out of the EF to pay for the stuff that the builder's going to be doing, but if I keep being frugal, then maybe I can save enough to keep that number beginning with a 7. I don't know if it will be possible, but it has to be worth a try, don't you think?

    This evening I am grateful for
    1) School holidays
    2) Getting that number below £80k
    3) Not being Cypriot
    4) Cavity wall insulation
    5) Good Friday, Easter, and all that
    Starting again 13/4/19
    Home loan 1: £21,102.50 Home loan 2: £7,698.99
    Total owed: £28,801.49
  • Calfuray
    Calfuray Posts: 1,003 Forumite
    Uniform Washer
    Lois_E wrote: »
    Have updated sig now. :)

    The big news is that the number for Owed-ISA-EF is now under £80k :D

    So now my target is to keep it under £80k. I know I'll have to take some money out of the EF to pay for the stuff that the builder's going to be doing, but if I keep being frugal, then maybe I can save enough to keep that number beginning with a 7. I don't know if it will be possible, but it has to be worth a try, don't you think?

    This evening I am grateful for
    1) School holidays
    2) Getting that number below £80k
    3) Not being Cypriot
    4) Cavity wall insulation
    5) Good Friday, Easter, and all that

    :T:j:T:beer::T:j:T
  • Peonie
    Peonie Posts: 1,471 Forumite
    It is definitely worth trying to stay below 80K. Well done, that's a massive achievement. Another milestone thrashed.
    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
  • Tilly_MFW_in_6_YRS
    Tilly_MFW_in_6_YRS Posts: 7,854 Forumite
    Part of the Furniture 1,000 Posts Photogenic Combo Breaker
    Hi Lois, that's great news and a real motivator.

    Enjoy your break x x
    2004 £387k 29 years - MF March 2033:eek:
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15 :j
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Well done Lois :T Did your spreadsheet change colour :D
    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"
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