Pammy's 5 Year MF Challenge - New Year New Target

greent

pammyj74 wrote: »

Yes I am looking at rescue as well. I am looking for a labradoodle or goldendoodle so I keep my eye on labradoodle trust site as well as wood green which isnt far from me. they are not pedigree dogs.
I just have to be careful where the kids are concerned.

Oh yes - some rehomed dogs are not at all child friendly:eek: - but the re-homing places are usually pretty good on advising on the individual dog, and you don't have tots, which can make it a bit easier.

pammyj74 wrote: »

Op'd £200 today and so am below £53k now

Woo Hoo!!!:j:j:j:j:T:T:T:T Congratulations!!:D

maryleerk06

Well done pammy! Good luck with your challenge! It's a total cliche but if you want something bad enough and your work hard you will achieve it!

Best of luck!

Sepa74

You really are amazing Pammy, congratulations!!

pammyj74

A lot of bumph for me to keep track of how its slowly going down

so figures for 2012 so far below:

Total Actual payments: Jan, £1,196 Feb; £1146, Mar; £1396, Apr; 896 May £1230, June £1,110, July £960 (Total = £8334)

Original scheduled payments: Jan, £696; Feb; £696, Mar; £696, Apr; 696 May; £710, June; £710, July £710 (Total = £4914)

Payments over/above original schedule: Jan, £600 Feb; £750, Mar; £700, Apr; £200, May; £520, June £400, July £250 (Total= £3420)

Interest saved according to my SS: Jan, £193.77; Feb, £232.38; Mar, £211; Apr, £66.96, May £173.25, June £130.09, July (so far) £79.26 (Total: £1,086.61)

Interest per day: Jan, £5.55; Feb £5.49; Mar £5.25; Apr, £5.91; May, £5.82; June, £5.77

Interest per month: Jan, £170; Feb, £166; Mar, £160, Apr, £161; May, £173; June £175;

Mortgage balance: Jan, £57,323; Feb £56243; Mar, £54913; Apr, £53,969; May £52,893; June £52,055; July £51,170;

% of mortgage now paid off: Jan 36%; Feb 37.5%; Mar, 38.9%; Apr, 40.03%; May, 40.87%, June, 42%; July, 43.14%

LTV - Jan, 52.11%; Feb, 51.13%; Mar, 49.92%; Apr, 49.06%; May, 48.38%; June 47.32% ; July 46.52% (based on £110k value)

Months shaved off in 2012 - 6 months (29 left to shave to reach target)

Months left to pay - 6 years 10 months (82 payments) as of July


I have OP'd £250 for July so far and need another £225 to knock another month off. I am trying my best to knock a month off every month and have managed so far this year. Fingers crossed to keep it up.
Next month (aug) after my MP has come out I will be under £50k! :j

Radish72

:j:j Hooray for nearly being in your 40's

You seem to be knocking seven bells out of the mortgage this year :T

newgirly

:T Well done pammy! Hope you are well

greent

Well done pammy!

gallygirl

Well done Pammy, you're an absolute star :T.

Are you off to see the torch this morning?

pammyj74

Hi Ally, I didnt as I was doing my volunteer work. I saw your pics though on FB looking good gal! The kids went to see it and said it was really good.

pammyj74

Have OP'd £125 which was to reach my monthly target to knock another month off :j EMFD is now Apr 2019
Total OP for the month £475, total to date £3645/£6000 60.75%
Have also knocked another brick off my house

We are going to see a puppy on Monday, he is 4 weeks old at the moment -