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QB Wolf's long and winding road

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  • QB_Wolf
    QB_Wolf Posts: 722 Forumite
    Well I've had a very thrifty weekend -spent £4 to get into soft play - both kids expended a lot of energy, probably the best £4 I've spent for a long time.

    Just hope Mrs QBW hasn't spent too much, I'm sure she hasn't, can't wait for her to get home :blushing:
    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 = £1319.31
  • QB_Wolf
    QB_Wolf Posts: 722 Forumite
    The usual mid-month lull - 9 days until pay day and my regular OP. :(

    I'm looking to sell some shares, still haven't bought a car yet and need some cash, so been glued to the share price for the last two weeks, I never know when is the right time to sell...

    I think the thought of spending some of my hard earned/saved cash on a car is also unsettling me. :( The only part that makes me happy is that whatever is left I'm going to OP. :)

    In other money news still no sign of letter from HMRC so mortgage application is stalled.:)

    Also Mrs QBW will be losing her maternity pay very soon, so we'll need to review our finances again, she's very frugal tbh but we need to think about a few things. :cool:

    Looking forwards to holiday in May and pay rise (2.5%) and bonus in June. :T
    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 = £1319.31
  • QB_Wolf
    QB_Wolf Posts: 722 Forumite
    QB_Wolf wrote: »
    I'm looking to sell some shares, still haven't bought a car yet and need some cash, so been glued to the share price for the last two weeks, I never know when is the right time to sell...

    I think the thought of spending some of my hard earned/saved cash on a car is also unsettling me. :( The only part that makes me happy is that whatever is left I'm going to OP. :)


    I've sold the shares, they reached a point I was happy with - now got the cash to buy a car :eek:
    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 = £1319.31
  • Bufger
    Bufger Posts: 1,857 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    Excellent! what are you going for?
    MFW - <£90k
    All other debts cleared thanks to the knowledge gained from this wonderful website and its users!
  • QB_Wolf
    QB_Wolf Posts: 722 Forumite
    Golf, A3 or 1 Series are the options, just need to find the right one at the right price.
    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 = £1319.31
  • sweetdaisy
    sweetdaisy Posts: 1,249 Forumite
    Tenth Anniversary 1,000 Posts Combo Breaker
    QB_Wolf wrote: »
    Golf, A3 or 1 Series are the options, just need to find the right one at the right price.


    Great news about the shares. I'd like a Golf . . . maybe when the mortgage is paid :rotfl:.
  • QB_Wolf
    QB_Wolf Posts: 722 Forumite
    On the way to work after a really great weekend, packed loads in, test drove a couple of cars, went to a birthday party, went swimming, watched my niece play football in their cup final, had a night out with mates, went to in laws for a roast.

    Did nothing round the house though.

    Spent a bit of money but not too much, but more than the £2 I have in my main current account, have had to raid other accounts. Still 4 days to go until pay day and on track to keep all accounts in the black.
    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 = £1319.31
  • QB_Wolf
    QB_Wolf Posts: 722 Forumite
    edited 25 April 2013 at 8:18AM
    First pay day of the new financial year tomorrow, just had wage slip and I'm £6 a month down - rob dogs.

    They're not using the money to send my PAYE coding notice that I requested 12 days ago, that's for sure :mad: will have to ring again tomorrow.
    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 = £1319.31
  • QB_Wolf
    QB_Wolf Posts: 722 Forumite
    The hunt for a new car is turning into a farce, every time I ring about one at a decent price it's either sold or in the process of being sold.

    Need to hold on for a little longer and keep looking....

    Rang HMRC about the missing letter and a recorded message told me not to bother ringing again until 14 working days have elapsed since the first letter :mad:

    Nothing else to report on the money front, May is going to be quite tight from a money POV

    I know this is going to sound contradictory but also trying to find a low cost week in the sun.

    I feel like a bad MFW at the moment!!!:(
    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 = £1319.31
  • katsu
    katsu Posts: 5,023 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    I felt similar about buying my 2yr old 'new' car, thinking I could have gone cheaper and OP'd the cash. However, being MF is about managing your lifestyle to make the right personal and prudent balance.

    By buying the car I did, I am saving on running costs and I know it will be reliable which relieves me of stress and anxiety. I also get to enjoy driving it which is important when we all work so hard.

    I think our decisions are different to dfw ones, so don't feel too bad :)
    Debt at highest: £8k. Debt Free 31/12/2009. Original MFD May 2036, MF Dec 2018.
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