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PoppyOscar, Le Cochon and the Next Adventure!

124

Comments

  • Hello again!

    It's been a while since I read about le cochon!

    Renovations are a form of MFW-ness because they change your LTV in the good direction!
    MFW: Nov 2008 £156k, Jun 2015 £129k, Jun 2017 £114k.
  • poppyoscar_3
    poppyoscar_3 Posts: 1,566 Forumite
    Mortgage-free Glee!
    Didn't get home til after 9.30 last night as we had the OFSTED call. When I did get home, no heating or hot water. Boiler flashing funny code. OFSTED in today and tomorrow and been up since silly o'clock boiling water so I can wash! Why today?:mad:
    PO xx
    :D2010 MFW Challenge No. 112 Mortgage paid in full 27/08/10 I was MF!!!:D
    But now I'm not - (Joint) Mortgage £104704.
    New MFW target £5000 overpayments by 31/12/2105 £400/£5000 = 8%
    SAVINGS TARGET - £25000 by 31/12/2015 £13643/£25000 = 55%
    No 17 Lewis Lane
  • poppyoscar_3
    poppyoscar_3 Posts: 1,566 Forumite
    Mortgage-free Glee!
    Of course OFSTED means two days when I can do absolutely nothing about it! And then it's the weekend. Lets hope we get that Indian summer!
    :D2010 MFW Challenge No. 112 Mortgage paid in full 27/08/10 I was MF!!!:D
    But now I'm not - (Joint) Mortgage £104704.
    New MFW target £5000 overpayments by 31/12/2105 £400/£5000 = 8%
    SAVINGS TARGET - £25000 by 31/12/2015 £13643/£25000 = 55%
    No 17 Lewis Lane
  • Well - all over and done. Heating mended and Ofsted done. £100+ going in the bank tomorrow for the next lot of premium bonds. Slowly but surely!
    :D2010 MFW Challenge No. 112 Mortgage paid in full 27/08/10 I was MF!!!:D
    But now I'm not - (Joint) Mortgage £104704.
    New MFW target £5000 overpayments by 31/12/2105 £400/£5000 = 8%
    SAVINGS TARGET - £25000 by 31/12/2015 £13643/£25000 = 55%
    No 17 Lewis Lane
  • poppyoscar_3
    poppyoscar_3 Posts: 1,566 Forumite
    Mortgage-free Glee!
    Back on the wagon......after a long absence.
    Shocked to see that the last time I logged in was 2012 but since then have not been MFWing at all - just doing work on the house (which still isn't finished......).
    But - today we set up a£400 month overpayment on our mortgage account and we are making a start!
    I will become obsessive again - will update sig when the ipad is recharged!
    Lovely to see you all again!
    PO xx
    :D2010 MFW Challenge No. 112 Mortgage paid in full 27/08/10 I was MF!!!:D
    But now I'm not - (Joint) Mortgage £104704.
    New MFW target £5000 overpayments by 31/12/2105 £400/£5000 = 8%
    SAVINGS TARGET - £25000 by 31/12/2015 £13643/£25000 = 55%
    No 17 Lewis Lane
  • abouttimetoo
    abouttimetoo Posts: 1,860 Forumite
    Part of the Furniture Combo Breaker
    Hi Poppy


    Great to see you around again and hope you've enjoyed yourself lots since we last saw you


    Good to see Le Cochon too :D


    Regards
    ATT
    MFW Start Date 1.4.08. Updated 23.1.18. MFW date 1.8.18
    Original Mortgage o/s £187,643 / £71,904 (-115,739)
    Repay o/s £92,661 / now £55,900 (-36,761)
    Int Only o/s £94,982, now £16,004 (-78,978)
    Total daily interest £1 [a) £0.77 b)£0.23
    Total OP's:2018 target £TBC YTD £1,995
  • poppyoscar_3
    poppyoscar_3 Posts: 1,566 Forumite
    Mortgage-free Glee!
    Thanks ATT. It has taken a while but I have a new determination.
    We still have a way to go but we now have a fab new kitchen extension and new french doors and a very mse log-burner - we have not had to buy any wood all winter as it has all been acquired from various sources.
    The big change is that I have now managed to persuade Mr C to start to op on the mortgage - he is not a natural money-saver but I think he will get hooked! Our first op will be on May 1st but it's set up as £400/month initially. Once we have paid for our not-very-mse holiday it might be able to go up a bit too.
    I am on a mission.
    PO xxx
    :D2010 MFW Challenge No. 112 Mortgage paid in full 27/08/10 I was MF!!!:D
    But now I'm not - (Joint) Mortgage £104704.
    New MFW target £5000 overpayments by 31/12/2105 £400/£5000 = 8%
    SAVINGS TARGET - £25000 by 31/12/2015 £13643/£25000 = 55%
    No 17 Lewis Lane
  • Courgette
    Courgette Posts: 3,242 Forumite
    Part of the Furniture 1,000 Posts Photogenic Combo Breaker
    Hi Poppy! Great to see you back! Good luck with the OPs! House sounds gorgeous :)
    Updating soon...
  • poppyoscar_3
    poppyoscar_3 Posts: 1,566 Forumite
    Mortgage-free Glee!
    Courgette - lovely to see you again! How's it all going with you?
    :D2010 MFW Challenge No. 112 Mortgage paid in full 27/08/10 I was MF!!!:D
    But now I'm not - (Joint) Mortgage £104704.
    New MFW target £5000 overpayments by 31/12/2105 £400/£5000 = 8%
    SAVINGS TARGET - £25000 by 31/12/2015 £13643/£25000 = 55%
    No 17 Lewis Lane
  • tootallulah
    tootallulah Posts: 2,197 Forumite
    Hello Poppy nice to see you, and you have given me a much needed kick up the backside about my mortgage, I will join you and have scheduled an o/p of £500 from 1 May.
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