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QB Wolf's long and winding road
Comments
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£900 better off in January - that's brilliant :T. Hope the MOT wasn't too costly.0
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Had a good morning dismantling the old water tank cupboard in my daughters bedroom (we had a combi boiler fitted 14 months ago) will create a bit more space, but need to replace some floorboards, skirting board and get some plastering done - still at least we've made a start
The girls have gone out, so my son and I are relaxing - watching Dumbo!!! :jStart Date 16/09/2015
Original amount outstanding = 225,000 Current amount outstanding =199,812
Original LTV = 64% Current LTV = 49%
Original Pay Off Date = Sep' 36 New Pay Off date = Sep' 36
Original Dly Int = 17.17 New Dly Int = 17.17 Total OP = £1319.310 -
I was thinking about switching my current account currently with Santander, not sure whether to move to their 123 account or go to Halifax, any advice?Start Date 16/09/2015
Original amount outstanding = 225,000 Current amount outstanding =199,812
Original LTV = 64% Current LTV = 49%
Original Pay Off Date = Sep' 36 New Pay Off date = Sep' 36
Original Dly Int = 17.17 New Dly Int = 17.17 Total OP = £1319.310 -
I'm with Halifax ATM and happy with them so far. The online banking is better than Santander's, I think, although it bugs me that you can't set up a transfer between your own accounts ahead of time. (Or maybe you can, but I haven't discovered how. If anyone knows, please tell me!)Starting again 13/4/19Home loan 1: £21,102.50 Home loan 2: £7,698.99Total owed: £28,801.49
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At last, been paid - a day early too, so can OP £200, so that's 300 in total for Jan.
Not sure how I've managed it, but I'm £900 better off than I was this time last month. :j
Just done my tax return and paid the tax - guess what over £900, so that money is gone.
Mrs QBWs bill was worse!!
Feel a little bit sick, just as we were getting ourselves on our feet financially
Start Date 16/09/2015
Original amount outstanding = 225,000 Current amount outstanding =199,812
Original LTV = 64% Current LTV = 49%
Original Pay Off Date = Sep' 36 New Pay Off date = Sep' 36
Original Dly Int = 17.17 New Dly Int = 17.17 Total OP = £1319.310 -
Just done my tax return and paid the tax - guess what over £900, so that money is gone.
Mrs QBWs bill was worse!!
Feel a little bit sick, just as we were getting ourselves on our feet financially
Oh no! Hope you can start getting back on your feet again. It's always the same - just as you build up some money something happens where you need to use it. Things don't happen in 3's in our house . . . it usually happens in 5's :rotfl:.0 -
Thanks SD - puts us back a couple of months, but on the positive side, our more sensible approach to money over the last few months meant we could cope with the blow a little better!!!Start Date 16/09/2015
Original amount outstanding = 225,000 Current amount outstanding =199,812
Original LTV = 64% Current LTV = 49%
Original Pay Off Date = Sep' 36 New Pay Off date = Sep' 36
Original Dly Int = 17.17 New Dly Int = 17.17 Total OP = £1319.310 -
I must say I like to have little celebrations based around.
OP Milestones
LTV Milestones
Outstanding Balance Milestones
Daily Interest Milestones
The next big one is going below £20 DI
As predicted daily interest gone below £20 to a whopping £19.99 :rotfl:
Wonder how long it will be berfore we get below £19?
That's the good news, bad news is we've decided we can't live with one car, so we need to get a new run around and going to upgrade the family car at the same time - so that'll put a big dent in the savings
Start Date 16/09/2015
Original amount outstanding = 225,000 Current amount outstanding =199,812
Original LTV = 64% Current LTV = 49%
Original Pay Off Date = Sep' 36 New Pay Off date = Sep' 36
Original Dly Int = 17.17 New Dly Int = 17.17 Total OP = £1319.310 -
Well done on that daily interest milestone. :T
The more milestones the better, IMO. What do you think will be your next one?Starting again 13/4/19Home loan 1: £21,102.50 Home loan 2: £7,698.99Total owed: £28,801.49
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As predicted daily interest gone below £20 to a whopping £19.99 :rotfl:
:T:T:T Yay :T:T:T
The more milestones the better, IMO.
I agree. I'm going to do a list on my diary I think 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"0
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