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Mortgage Free in 10 years
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Finally got DD2 back in her bedroom last night - still most of her stuff to move back in - but at least she's sleeping in there now! 7 weeks & 5 days sharing with her sister.
Room lookds great although I've measured the bed & cabinet wrong and it doesn't fit properly between wall & newly moved radiator - annoying.
Just had a call from asbestos survey company - the insurance company need to test out kitchen ceiling for asbestos now.
DH has taken both girls to the Science Museum in London with his friend and their boys. Cost £23 for train, will need to buy tube tickets & mcds for tea but that should be all hopefully. Science Museum is free and I packed them up with sandwiches for lunch to save a few £s.Re-mortgaged 20/04/12 MTiT-T3 No.7Start balance £89611.10 + £22500 = £112111.10/Current balance £85436.53
Original Mortgage Free Date April 2032
Target Mortgage Free Date July 2022/Currently August 2029 (based on no offset)
Total overpayments from 20/04/12: £8152.950 -
Food shopping under budget yesterday by £7
Managed to spend £10 on laundry basket for DD2s bedrooms & £15 for new duvery cover - although MIL has offered tp buy this so shoudl get money back on that. Also £2 on butterfly mirrors she fell in love with.
DH been at work ALL weekend - still not back yet. Still it means we don't go out and spend loads. Off to country park tomorrow with picnic so that should be cheap.
Scraped through this month and payday this week - think I'll make it thursday - as late as poss so it lasts longer - this probably only makes sense to me?:rotfl:Re-mortgaged 20/04/12 MTiT-T3 No.7Start balance £89611.10 + £22500 = £112111.10/Current balance £85436.53
Original Mortgage Free Date April 2032
Target Mortgage Free Date July 2022/Currently August 2029 (based on no offset)
Total overpayments from 20/04/12: £8152.950 -
Nice cheap day yesterday.
Visited garden centre bought one of those eco re-usable washing ball things for £12, but had a gardening voucher for £5 so it only cost £7, and it's supposed to last 150 washes. Have tried it once, seems to work OK. The real test will be on DHs smelly work clothes!!
Had a long walk at country park, cost about £6 for 2 teas, a hot choc & an ice cream. Saved £3.50 on car parking though by parking at the other end of the park for free and walking to the visitor centre.
Decided tomorrow is payday as we are moving final office stuff and telephone lines to new premises on Thursday so may not have internet access then.
Popped into old job to do the little bit I still do, also worked 6 hours extra last week as well. £70 OP on thursday when hits bank account.Re-mortgaged 20/04/12 MTiT-T3 No.7Start balance £89611.10 + £22500 = £112111.10/Current balance £85436.53
Original Mortgage Free Date April 2032
Target Mortgage Free Date July 2022/Currently August 2029 (based on no offset)
Total overpayments from 20/04/12: £8152.950 -
Payday today - have done the money shuffle to get H*lif*x reward, also shuffled to Nwide to keep travel insurance benefit, before finally OPing £300 to mortgage.
Have to wait now until 5th of september for interest to be added and standard payment to come off. Will be under £109K though.
One of my eco washing balls burst in the machine last night on only the second use - not impressed. Had tiny pellets rolling all over the floor. :mad: E-mail sent to manufacturer to complain.Re-mortgaged 20/04/12 MTiT-T3 No.7Start balance £89611.10 + £22500 = £112111.10/Current balance £85436.53
Original Mortgage Free Date April 2032
Target Mortgage Free Date July 2022/Currently August 2029 (based on no offset)
Total overpayments from 20/04/12: £8152.950 -
Oh dear about eco washing ball...often thought about those, but never got round to getting any.
Always best to complain...neve know what you will get.
MCIMortgage Free x 1 03.11.2012 - House rented out Feb 2016
Mortgage No 2: £82, 595.61 (31.08.2019)
OP's to Date £8500
Renovation Fund:£511.39;
Nectar Points Balance: approx £30 (31.08.2019)0 -
Just had a reply from eco washing balls manufacturer. Apparently the version I bought was old stock, although I paid full price! They have very kindly offered to replace with their new version.
This means I will now have the new version, along with the contents & refills from the old one to use again.
A great example of fast quick customer service.:TRe-mortgaged 20/04/12 MTiT-T3 No.7Start balance £89611.10 + £22500 = £112111.10/Current balance £85436.53
Original Mortgage Free Date April 2032
Target Mortgage Free Date July 2022/Currently August 2029 (based on no offset)
Total overpayments from 20/04/12: £8152.950 -
Worked 6 hours overtime at old job last week, plus the little bit I still do every week - £70 OPd today.
Only worked 1 hour + little bit this week so will be a lot less next week.
Have been gradually moving business premises over last 4 weeks, finally moved last bits and the office today. BT just moving telephones but seem to have a problem getting them live at the mo.
Sitting on laptop in dilapidated office with mobile internet. A lot of work still to be done - but at least it's ours. (well and the banks!!)Re-mortgaged 20/04/12 MTiT-T3 No.7Start balance £89611.10 + £22500 = £112111.10/Current balance £85436.53
Original Mortgage Free Date April 2032
Target Mortgage Free Date July 2022/Currently August 2029 (based on no offset)
Total overpayments from 20/04/12: £8152.950 -
Congrats on the office move. Hopefully you'll be connected and live soon enough!MFW: Nov 2008 £156k, Jun 2015 £129k, Jun 2017 £114k.0
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Mortgage_Reduction_Novice wrote: »Congrats on the office move. Hopefully you'll be connected and live soon enough!
Thanks MRN, phones went live late this afternoon so we're all moved. So much work to do to make it useable - but at least its ours and any work we do is for us.
Had an e-mail from @sda offering £10 off for first online shop. Delivery cost £3. Have placed the order and after discount it was £55 - must be short on something, but we'll either manage or pop in somewhere. At least I've saved my £10!!. I would've liked the £35 saving on my £90 food budget to be an OP, but DH needs expensive dental treatment so I'll put it towards that.
Also went through cashback site for £2.75 cashback if it tracks too!Re-mortgaged 20/04/12 MTiT-T3 No.7Start balance £89611.10 + £22500 = £112111.10/Current balance £85436.53
Original Mortgage Free Date April 2032
Target Mortgage Free Date July 2022/Currently August 2029 (based on no offset)
Total overpayments from 20/04/12: £8152.950 -
£10 voucher received from VO - OPd today.
Brothers wedding tomorrow - my DDs are bridesmaids - dresses cost me £320. Guess some people don't do MSE weddings, especially when they're spending someone elses money!!!:mad:
It was the girls only chance to be bridesmaids - I couldn't deny them but we're so :mad:.Re-mortgaged 20/04/12 MTiT-T3 No.7Start balance £89611.10 + £22500 = £112111.10/Current balance £85436.53
Original Mortgage Free Date April 2032
Target Mortgage Free Date July 2022/Currently August 2029 (based on no offset)
Total overpayments from 20/04/12: £8152.950
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