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What have I done....

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  • LauraJo
    LauraJo Posts: 1,041 Forumite
    Eighth Anniversary 1,000 Posts Combo Breaker
    A belated merry Xmas!
    Land defo fell thru so have transferred payments into my mortgage! May need to do the sums when the letter comes back but think it's about £12k left.
    Good way to start the new year :)
    Mortgage starting balance 2011 ... £170k today £1.5k
    Savings: £3k
    Aim: 100k by Dec 2021
  • Alchemilla
    Alchemilla Posts: 6,252 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Great news on the mortgage.
    The right opportunity will come your way.
    Happy new year!
  • brranger
    brranger Posts: 250 Forumite
    Well its taken most of the day but I've read all 35 pages.
    Thanks for writing this diary LauraJo, its been a very inspiring read, also very emotional.
    Lots of food for thought.

    Karl
    Thought I saw the light at the end of the tunnel....Then got hit by a train! :A
    Lightbulb Feb 2006 :o
    Debt free Nov 2011
  • Watty1
    Watty1 Posts: 6,866 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Fab news on the mortgage. And...the right land package will come along ...and I'm looking forward to hearing about it!
    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
  • LauraJo
    LauraJo Posts: 1,041 Forumite
    Eighth Anniversary 1,000 Posts Combo Breaker
    brranger wrote: »
    Well its taken most of the day but I've read all 35 pages.
    Thanks for writing this diary LauraJo, its been a very inspiring read, also very emotional.
    Lots of food for thought.

    Karl


    Wow that must have been a long day for you!! Thanks for reading!
    Mortgage starting balance 2011 ... £170k today £1.5k
    Savings: £3k
    Aim: 100k by Dec 2021
  • LauraJo
    LauraJo Posts: 1,041 Forumite
    Eighth Anniversary 1,000 Posts Combo Breaker
    The sun is shinning!! Made the most of it and gave horsey a good groom this morning - he seriously thinks he's a hippo!!!
    Back at work today and officially new job has started (not that anyone is in the office until Monday!) Looking forward to my pay rise now kicking in :)

    Going to look at a yard on Sunday for the second time. Its not cheap but since I'm nearly at the end of my MF journey, I might consider it (its £100 more per month than where I am at the mo :eek:) It has well cool facilicities - including a toilet :rotfl:
    It will be the first thing I haven't scrimped on for years so feels weird that I will be able to spend the extra money and don't even have to feel guilty about it!! A glimpse into the future ;)

    Hope all are well, Happy New Year :beer:
    Mortgage starting balance 2011 ... £170k today £1.5k
    Savings: £3k
    Aim: 100k by Dec 2021
  • LauraJo wrote: »
    Looking back I have no idea how we managed to aquire £90k - will have to read back thru my own diary :)

    :rotfl::rotfl:this made me laugh ! You've done a top job. Thanks for the lodger advice
    Starting mortgage 08 was 118K. Paid 18k deposit
    Saved 10k and paid off mrg in July 2013 ( 1st OP)
    Remortgaged Aug 13 to an offset. Balance 75K
    20K saved in offset account :j
    Save 12k challenge 2014. Member 146. £4808/12k
    Aim to be MF 2016 at age 33 :j
  • Arkers
    Arkers Posts: 1,587 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    L-J, sorry about the land, but the new yard sounds positive. Does it have a flood lit manage? If so then it will be so worth the extra money. What about the other peeps there, from what I remember some horsey types can be a challenge (appreciate this is a generalisation), but it only takes the one!


    Good luck


    HNY:j
  • gradi
    gradi Posts: 25 Forumite
    LauraJo wrote: »
    The sun is shinning!! Made the most of it and gave horsey a good groom this morning - he seriously thinks he's a hippo!!!
    Back at work today and officially new job has started (not that anyone is in the office until Monday!) Looking forward to my pay rise now kicking in :)

    Going to look at a yard on Sunday for the second time. Its not cheap but since I'm nearly at the end of my MF journey, I might consider it (its £100 more per month than where I am at the mo :eek:) It has well cool facilicities - including a toilet :rotfl:
    It will be the first thing I haven't scrimped on for years so feels weird that I will be able to spend the extra money and don't even have to feel guilty about it!! A glimpse into the future ;)

    Hope all are well, Happy New Year :beer:

    Happy New Year to you too and I hope you all the success in the new year.
    Oh Yay What a Great Freebie! Quote by Gradi O'Connell 2013 :j
  • LauraJo
    LauraJo Posts: 1,041 Forumite
    Eighth Anniversary 1,000 Posts Combo Breaker
    Arkers wrote: »
    L-J, sorry about the land, but the new yard sounds positive. Does it have a flood lit manage? If so then it will be so worth the extra money. What about the other peeps there, from what I remember some horsey types can be a challenge (appreciate this is a generalisation), but it only takes the one!


    Good luck


    HNY:j
    Thanks Arkers :)
    Yeah the new place does have an indoor floodlit school and an outdoor one!! Also there are 4 of us who get a barn that we can share so never need be soaked through again!!

    In terms of the other people, you are sooooo right!!! If it all comes off, I'll be sharing my 'bit' with 2 friends who I've known for a while now.
    There is also 2 self contained yards there too - one that a showjumper is taking with his 6 horses and the other one the owner uses for her 8 horses - so in reality there are only 2 other 'liveries' there that I don't really know. Hopefully signing contracts on Sunday and I'm soooooo excited!!!
    Need lots of finger crossing after my recent bad luck :D
    Mortgage starting balance 2011 ... £170k today £1.5k
    Savings: £3k
    Aim: 100k by Dec 2021
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