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Hurdler's Race to be Mortgage-Free

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Comments

  • nattypants
    nattypants Posts: 2,577 Forumite
    Hurdler wrote: »
    Let me know if you want the JPG file - I open him in Paint and then write all over him!!!

    Yes please:D
    gallygirl wrote: »
    Does it come in pink :D?

    Ignore her, age makes her fussy....
    February13 - £74990 (or thereabouts)
    MND - Let's go for 2020 'cos it's got a nice ring to it:D
    C'mon nattypants:cool:
  • Hurdler
    Hurdler Posts: 1,361 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Mortgage-free Glee!
    nattypants wrote: »
    Yes please:D



    Ignore her, age makes her fussy....

    LOL natty - send me a PM with your email and I'll send it over :beer:
    • 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
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    nattypants wrote: »
    Yes please:D



    Ignore her, age makes her fussy....
    Not at all, Peefer Pig is pink so I thought I could use the image when I emptied her :D.

    PM on its way Hurdler :)
    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"
  • Hurdler
    Hurdler Posts: 1,361 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Mortgage-free Glee!
    gallygirl wrote: »
    Not at all, Peefer Pig is pink so I thought I could use the image when I emptied her :D.

    PM on its way Hurdler :)

    Ahhh - when I drag myself out of bed I'll send it :-)
    • 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
  • Hurdler
    Hurdler Posts: 1,361 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Mortgage-free Glee!
    Well that last payment of £1500 squirelled away brought my monthly payment down to £412.04 - god I love this snowball principle/effect... now just need to make the most of the next few contracts coming in to build up my reserves first and foremost, and then next aim is to get that below £400 p/month...
    • 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
  • Hurdler
    Hurdler Posts: 1,361 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Mortgage-free Glee!
    Wow - I can't believe I have been doing this for three years - time for a new start as I really haven'y been focusing on this.

    So where are we in Hurdler-land?
    I now have a full time rolling contract a writer/editor on a tennis site and would like to still dabble with the IT writing for a couple of reasons - one to keep the tax man away from my door with having multiple contracts, and just in case this tennis writing lark comes to a sudden end!

    Let's look at some positives - since buying my house I have brought down my mortgage down from around £195K to around £86.5K in the three years I have been a part of this thread. I think that's a not bad effort seeing as I walked away from a couple of well-paying jobs to be as poor as a church mouse and have lived off the redundancy money for a good long while.

    So - For the first time I am about to break even in the company so what I am going to do is this:
    • Pay back my expenses accrued in my company over the next few months - I want to be completely up to date with my finances by the time I get to the end of my next financial year (end April).
    • I need to keep 3 months min of company outgoings in the business account, and 3 months min of monthly outgoings from a personal perspective in a savings account as well as building up my reserves for things like car expenses etc, grocery fund, etc.
    • Where possible I will pay at least half if not a full amount of my mortgage every month, starting with this month - paying 2 extra months (yay!)
    • Such is the ironic nature of my brain, I tend to decide to economise when I have money coming in, and will be starting back at the gym and batch cooking!

    Think that is enough for now... but going to be here a lot more as I need to nibble away at this now that things are a little more settled!

    qt52.png

    Vernon is a little depleted!

    6bnp.jpg

    So... here we go!
    • 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
  • BlueMoo
    BlueMoo Posts: 424 Forumite
    Wow! See you are an excel fiend like me!

    What an amazing achievement!
    M3 Dec2015 #160 Target £150,000 (BU £155000)
  • Hurdler
    Hurdler Posts: 1,361 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Mortgage-free Glee!
    Hey - for the peeps that asked me for the house and Vernon - remind me did I ever send it on? If not then slap me, PM me and I will sort!!!
    • 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
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Great to see you back and glad all is going well :T
    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"
  • Hurdler
    Hurdler Posts: 1,361 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Mortgage-free Glee!
    November Goals:
    • [STRIKE]Build 4 months personal outgoings[/STRIKE] - DONE (Last remnants of redundancy money)
    • After 6/11 Pay day + Expenses up to April 2013, ensure enough in Business Saver to cover VAT, Corp Tax and 3 months Business outgoings
    • Build T3sco Clubcard Plus account to £500. Supplemented with £75 per month.
    • Build Car Maintenance fund to £2000
    • Sell last of shares and put in N@tionwide Saver until I can roll it onto a separate Stocks and shaes ISa with the £10K already from proceeds
    • Try not to pay for anything related to the business personally for a month.

    I think that's enough for a month!
    • 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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